Archive for November, 2007...
Filed under Achieving Success
BLOG continuation: (link to Achieving Success BLOG for all posts and PDF downloads)
The Justwyn Model
for Planning, Discipline, and Execution
“Nobody has ever expected me to be President.”
Abraham Lincoln
Part III:c (continuation from Part III:b)
THE JUSTWYN MODEL (continue)
Think of your goal model as a building process for a pyramid. You might lay down three stones on the foundation for the first layer in the pyramid, and then construct a second layer with two stones, and a third layer with one stone. Unfortunately, you won’t be able to construct any more layers further up the pyramid until you return and lay the required stones on the bottom layers. The same argument is true for goal planning. It will be to your advantage to complete goals in successive layers.

The number of goals identified and placed in a model varies with the complexity of the objective. Your planning model may contain any number up to a maximum of fourteen goals depending on the kind of plan that you write. If you identify less than fourteen goals that will achieve your objective, allocate two or more positions in the model as will be illustrated later. If you identify more than fourteen goals, combine one or more goals together so that you maximize the goals at fourteen. We will discuss these and other planning concepts in another BLOG posting.
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The final section of the model is the foundation, probably the most important section. Pyramids will crumble without a solid foundation. The foundation in the Justwyn Model is the discipline that executes the action that will achieve the goals. Discipline can be referred by the simple statement “. . . do it.”
Discipline is comprised of five equally important attributes: the physical, physical temperance, education, social, and spiritual. Each attribute carries equal weight. We increase our discipline by controlling the physical and mental weaknesses that hinder our progress to a goal and self-fulfillment.

The foundation is ever supporting and remains intact throughout your entire progress to an objective. If we fail to maintain discipline, the entire structure (plan) may come tumbling down. We may change or replace our goals . . . similar to a pyramid when we replace a defective stone with another stone. The foundation of the model, however, never changes.
The five attributes that make up discipline represent our unique character. Each of us is comprised of physical, educational, social, and spiritual characteristics. An character impediment refers to a weakness, or a low perception of oneself, that we inherit or develop in life.
These impediments can hinder our progress to a goal and personal happiness. For example, if you lack the desire to read, you can imagine the difficulty in completing the goal of higher education. Poor reading skills then become an educational impediment that you must overcome if you expect to achieve the various educational goals in your model. Likewise, if you lack self-esteem, you will find it difficult to achieve tasks that take you outside of your inner self. The social impediment, low self-esteem, will need to be changed into a social strength of high self-esteem.
Character impediments can pop into our lives at any time. Sometimes we discover a character impediment later in life when we pursue goals that our new to us . . . such as adjusting socially to college life. Overcoming these weaknesses builds the discipline that accomplishes our goals.
Think of character building as physical, educational, social, and spiritual exercise. You will exercise each character attribute to become physically, educationally, socially, and spiritually stronger. Strengthening each character attribute increases your discipline and self-motivation, thus helping you achieve success and self-fulfillment.
Next time, we will conclude our discussion on the Justwyn model with an illustration how to design a similar model using a simple goal.
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Comments (3) Posted by Krayton M Davis on Saturday, November 24th, 2007
Filed under Home Improvement
Unused attic space can be converted into a spare bedroom or office. If you have no need for either, why not turn that space into a stellar room? Keep an eye on the cosmos without leaving the convenience of your home behind!

Interest in the heavens continues to increase as man’s knowledge of the universe expands. Pluto has been demoted from planethood, while Mars continues to shine brighter as Christmas approaches. Maybe you already track celestial objects from the convenience of your backyard, but how long can you stand being outside when summer’s bugs or winter’s deep freeze take over?
One way to take advantage of star gazing is to convert spare attic space into a stellar room. No, this isn’t some major home improvement project that will set you back tens of thousands of dollars. Instead, an attic stellar room can provide hours of amusement without weeks of construction fuss. Let’s take a look at how you can start this minor home remodeling project.
With available attic space, you don’t have to do a lot to make the room usable. Provided secure flooring is already in place, you can set up a telescope and peer through the lense to track the latest comet, explore strange worlds, and boldly go where you haven’t gone before!
What you will need to have installed are opening shutters and gazing windows so that you can view the night sky. Some attics already have windows installed which could be adequate for your needs. If additional work is needed, consider home installation services, experts who can draw up a building plan that will ultimately add value to your property.
If you decide to go for a larger project ( adding insulation, dry wall and electrical outlets to the attic) then financing your home remodeling project could be the best approach to making your star gazing room come true.
Your finished attic stellar room can provide you with hours of nightly enjoyment, just the type of entertainment which can enrich the mind!
Comments (1) Posted by Matthew C. Keegan on Friday, November 23rd, 2007
Filed under Consumer Financing, Credit Cards
It is a given that most consumers carry at least one credit card, perhaps several when you include department stores, gas station cards, plus MasterCard, VISA, AmericanExpress, Discover and others. Consumer lending is a huge industry, one that lenders depend on to fuel their businesses.
Not all credit card offers are equal with some offering high rates and no rewards to others which will give you a low, fixed rate and shower you with special prizes. Before you choose your next card, let’s take a look at the variety of credit card options out there for your consideration.
Low Interest Rate Credit Cards — Despite the recent run up in interest rates, there are still credit cards available with low rates, even zero percent financing for balance transfers. Usually, these special rates are in place until the transfers are paid off with newer purchases charged at a higher rate.
Low Introductory Rate Credit Cards — To get you to use a new card, some credit card providers will offer you a special “teaser rate” that will run for several months, usually for as long as six months. You can make purchases at the very low rate (let’s say 1.9% for six months) and then pay 12.9% or more after that time. This can be a great way for consumers to make an expensive purchase they plan on paying off within a few months time.
Pre-paid Credit Cards — For consumers with bad credit and for students who are off to college, a pre-paid credit card allows holders to build up their credit while still having the convenience of shopping with plastic. No worrying about carrying around a wad of cash — if you lose the credit card you haven’t lost your money.
Rebate Credit Cards — Use your credit card and get paid for it! Sounds like a come on, but it is true: some credit card providers will give you cash rebates on select purchases. Spend $1000 and you could have $10 or $20 credited to your account, depending on the offer.
Award Credit Cards — Also known as rewards cards, an award card works similarly to a rebate credit card: you get to select gifts based on points you have accumulated with your purchases. Typically, one point is awarded for every dollar spent and you can redeem those points online or through a catalog sent by the credit card company. Many award credit cards will automatically give you 500 or more points with your initial purchase and some will incentivize their offers through special promotions which can double or even triple your points during a special promotional period (for example, the Christmas shopping season).
The previously mentioned credit cards choices are typically MasterCard or VISA network credit cards, but American Express and Discover have special offers which might be of interest to you too. You can manage your various rebate cards with this free download to help you get the rebates and rewards coming to you.
Photo Credit: Miguel Ugade, Mexico.
Comments (1) Posted by Matthew C. Keegan on Thursday, November 22nd, 2007