Part 4 – The 7 Qualities of a Successful Person!!!

4. Courage.
Because I have taken a few weeks off from my weekly blog, I am going to remind you of the first three qualities of a successful person. 1. Ambition, 2. Discipline, 3. High Standard for Quality. Other than the fact that it has been a little while since I started this series, another reason I recapped those qualities is because this week’s quality is a root of all seven qualities.

Webster’s dictionary defines courage as: a mental or moral strength to venture, persevere, and withstand danger, fear, or difficulty.

A successful person first and foremost has COURAGE, not just physical courage, but also moral courage to stand up for what they believe in, and what is right. Often a successful person will have to stand alone in order to do what is right, and it takes a massive amount of courage to do this.

Often successful people are faced with the opportunity to take risks. When you are Optimistic enough to take risks that others are unwilling to take, this will set you up for huge returns and success. However, courage is not just about taking a risk that could pay off big in the end, courage may also be about saying no to a risk that is too great to take even though you are being pushed into it. Successful people tend to ask three questions when analyzing an opportunity with associated risk. 1. What’s the best thing that could happen? 2. What’s the worst thing that could happen? 3. What’s the most likely thing to happen? If you can live with the worst thing that could happen and if the most likely thing to happen will get you closer to your goals, then go for it! The problem with a lot of people, when they take a risk, is that they base their decision on a best case scenario and don’t consider the worst case, or the most likely case, and frequently the most likely thing to happen is something that they cannot live with, or will put them in a worse off position financially.

True courage is pushing forward, even though you may have experienced a setback or a "failure" the last time you tried something new or different.

Having courage is persevering through the tough times. It is looking at the economy we are in today and saying to yourself, I will get through this. Having courage in the face of job loss, or lower income, or fewer sales is to look for the opportunity and to stay positive. Have you lost your job? Well now you have a new job, and that new job, is to find a job. If you are currently searching for a job, you have to treat your job search as if it were a full time job. Get up in the morning as if you had to make it into the office by 8:00, shower, shave, get dressed in business attire. LEAVE THE HOUSE!!! If you have no place to go, or you need to use the computer to search for jobs, take your computer to a place where they have free wifi, or go get a Library card and do your job searching at the library, or go to a career center and research there. The point is to get away from the distractions of TV, house chores, sleep, etc., and get out into the business community. Talk to people everywhere you go, do not be afraid or ashamed to tell everyone you meet that you are looking for a job, you never know who you might meet that just happens to be hiring.

If you are in sales, courage today means getting out there and beating the street for business. For the last number of years if you were in sales, it really did not take much work or courage to make a sale, business would just fall in your lap. That is not the case today. You must get out there, and meet new people, make new contacts, forge new relationships. Did you get the theme in the last sentence? NEW! Courage is having the confidence in yourself to not be afraid of NEW. The key to sales is NEW, and new sounds a lot like change, and most people are afraid to change the way they do things. Let me let you in on a little secret, the old days are gone, and you must change the way you prospect and work for business in order to be successful in the future. New business boils down to first and foremost taking care of current clients, but a very close second is build NEW relationships.

The Quality of courage in a successful person is to believe in yourself and know that the follow quote by Zig Ziglar is true. “You are doing better than good when you clearly understand that failure is an event, not a person; that yesterday ended last night, and today is your brand new day. You are doing better than good when you have made friends with your past, are focused on the present, and optimistic about your future. You are doing better than good when you know that success (a win) doesn't make you, and failure (a loss) doesn't break you.” – Zig Ziglar


It is my hope that you find the courage in you to go out and take the necessary steps to make yourself a successful person.

It's a Good Life!!!
Greg Novak MBA
Branch Manager
Eagle Nationwide Mortgage Company
Office - 386-756-8228 Cell - 386-846-6686 Fax - 386-756-8108
Web site - http://www.mynationwidelender.com/


Oh, by the way, if you know someone who is thinking about buying or refinancing a home, please give me a call with their name and number, I will be happy to follow up with them for you.

Here is a list of Mortgage Loans we are able to close.

• Fixed Rate Mortgage Loans for new purchase and refinance
• Adjustable Rate Mortgage Loans for new purchase and refinance
• Conventional Mortgage Loans for new purchase and refinance
• VA Mortgage loans
• FHA Mortgage loans
• FHA 203k Rehab Mortgages
• USDA & Rural Development Mortgage Loans
• First Time Homebuyer Mortgages
• Reverse Mortgages, for seniors 62 and older

Our Main area's of service include the Greater Daytona Beach Area, Daytona Beach, Port Orange, Ormond Beach, Volusia County, Palm Coast, Flagler County, Florida, Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY)

Part 1 - The top 10 distinctions Between the prosperous and the un-prosperous. Sermon

Part 3 - The Seven Qualities of a Successful Person

High standards for quality. Every successful person must have very high standards when it comes to producing quality output. Whether you manufacture products, or provide a service, you can be assured that a successful person will make sure it is the best it can be.


A person who expects quality from themselves and others typically also have traits such as honesty, integrity, and a concern for people.


Why is it that successful people have these personality traits? Well because successful people understand that you make more money on repeat business and referrals than you do on first time customers or clients. Why would someone do business with you or come to your establishment more than one time? It is because they had a good experience the first time, and felt that they got their money’s worth. If you treat people with honesty, integrity, and have a genuine concern for them and that they are getting the absolute most for their money, then they will easily recognize the high standard of quality that you provide.


When you put an emphasis on quality in everything you do, you will essentially be putting your personal seal of approval on your produces or services. Never do anything that you would be embarrassed to put your name to.


You should always ask yourself these questions as a benchmark to determine if you are providing the highest standard of quality.


1. Someone is going to use the product or service I provide, are they going to fully get their money’s worth.
2. Am I going to be embarrassed if the person using my product or service finds out that I am the one who produced it.
3. Is there any chance that the person using my product or service could be hurt in any way or put in a worse position than they were prior to using my product or service.
4. Would I use this product or service and feel confident that I received the highest standard of quality.


I am a mortgage lender, and every time I write a mortgage for someone I ask myself these very questions. I want to make sure my clients are getting their full money’s worth of service from me and my office staff. I make sure that someone is available anytime for them to ask a question or get an update. I do my very best to make sure that the people I work with are given a mortgage that best fits their goals and needs, and that they will be in a better position after they close on the loan. And lastly, I always ask myself would I sign these papers and take this mortgage if were in their shoes, would I be getting the absolute best loan that I can get?


If you ask yourself these questions, and are truly proud of the answers, then you know you are holding yourself to the highest standard of quality.

It's a Good Life!!!
Greg Novak MBA
Branch Manager
Eagle Nationwide Mortgage Company
Office - 386-756-8228
Cell - 386-846-6686
Fax - 386-756-8108
Web site - www.MyNationwideLender.com

Oh, by the way, if you know someone who is thinking about buying or refinancing a home, please give me a call with their name and number, I will be happy to follow up with them for you.

Here is a list of Mortgage Loans we are able to close.

• Fixed Rate Mortgage Loans for new purchase and refinance
• Adjustable Rate Mortgage Loans for new purchase and refinance
• Conventional Mortgage Loans for new purchase and refinance
• VA Mortgage loans
• FHA Mortgage loans
• FHA 203k Rehab Mortgages
• USDA & Rural Development Mortgage Loans
• First Time Homebuyer Mortgages
• Reverse Mortgages, for seniors 62 and older

Our Main area's of service include the Greater Daytona Beach Area, Daytona Beach, Port Orange, Ormond Beach, Volusia County, Palm Coast, Flagler County, Florida, Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY)

Part 2 - The 7 Qualities of a Successful Person

Discipline, The Second Quality of Success.

Discipline – “Orderly or prescribed conduct or pattern of behavior, Self Control, A rule or system of rules governing conduct or activity” Webster’s Dictionary. As most of you know I do a lot of reading and studying information about leaders and people who have achieved success in their lives. In addition to the first quality where we discussed ambition, Self Discipline resonates through almost every successful persons account for how they have achieved their status.


Self Discipline is really about taking small steps which lead you down the path for big things. You see, self discipline builds upon its self, and builds, and builds. All you have to do is start with one simple thing that you want to make into a habit. Let’s say you want to start working out, but for years have put it off. Why don’t you start with 10 pushups in the morning and 10 pushups before you go to bed. You see it is not necessarily what you do, but simply that you do something, and you make it a habit. Self discipline is more about forming habits than anything else. On the other hand, self discipline may also be about breaking habits. I know too many people who waist time on face book or twitter, or e-mail during the day, when they should be working. I got into the habit of leaving my face book up on a tab on my computer and checked it throughout the day. Then one day I inventoried what I accomplished that day and realized how much time I really did waist just by having it open in the background. You do not have to completely cut those things out, but maybe schedule them into your day. Set a certain time to catch up on those items for say 20 minutes, then shut it off and keep it off and move on with the important things.


Win the Day! One problem is that too many people feel that they have to be perfect in order to be self disciplined. Trying to be perfect will destroy self discipline. Thanks to Robin Hood, most people think a perfect archery shot will be a direct bulls eye, and then you have to be able to repeat that shot and split the first arrow with your second. Did you know that it is really impossible to split an arrow with another arrow. You see when an archer releases an arrow from his bow, the arrow bends and wobbles as it flies through the air which makes it deflect off the end of the first arrow, preventing it from being split all the way down. This is very much like you and I in regards to self discipline. We may have certain goals and tasks that we want to accomplish in a day or a week. And some days we might get all of these activities done and hit the bulls eye, but other days we wobble a bit and miss the target all together. I follow a philosophy called Win the Day. This concept requires you to plan out your day. Make a list of all of the things that you need to accomplish in a certain day. If you accomplish 80% of those items in that day, then you win the day. If you win 4 days out of 5, then you have won the week. If you win 3 weeks out of the month, then you have won the month, and if you win 8 months out of the year, then you have won the year. You see, you do not have you be perfect, you just have to be consistent.

Self Discipline is in your head. I say this because self discipline is more about believing in yourself, than anything else. Those who believe in themselves have a much better chance of staying on track than those who do not. If you think and talk about yourself as someone who is a self starter, disciplined, and stays on task, then you will be. And if you fall off track, then there will be that nagging voice in your head talking to you, telling you to get yourself back headed in the right direction.

"The first and best victory is to conquer self." – Plato

"Talent without discipline is like an octopus on roller skates. There's plenty of movement, but you never know if it's going to be forward, backwards, or sideways." – H. Jackson Brown

"Nothing is more harmful to the service, than the neglect of discipline; for that discipline, more than numbers, gives one army superiority over another." – George Washington


It's a Good Life!!!
Greg Novak MBA
Branch Manager
Eagle Nationwide Mortgage Company
Office - 386-756-8228 Cell - 386-846-6686 Fax - 386-756-8108
Web site - http://www.mynationwidelender.com/

Oh, by the way, if you know someone who is thinking about buying or refinancing a home, please give me a call with their name and number, I will be happy to follow up with them for you.

Here is a list of Mortgage Loans we are able to close.

• Fixed Rate Mortgage Loans for new purchase and refinance
• Adjustable Rate Mortgage Loans for new purchase and refinance
• Conventional Mortgage Loans for new purchase and refinance
• VA Mortgage loans
• FHA Mortgage loans
• FHA 203k Rehab Mortgages
• USDA & Rural Development Mortgage Loans
• First Time Homebuyer Mortgages
• Reverse Mortgages, for seniors 62 and older

Our Main area's of service include the Greater Daytona Beach Area, Daytona Beach, Port Orange, Ormond Beach, Volusia County, Palm Coast, Flagler County, Florida, Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY)

Part 1 - The 7 Qualities of a Successful Person

I am sure you have all heard of the book the seven habits of highly effective people. Well, I have been doing a lot of reading and studying various books and authors who have written positive thinking, and self help books, and I have come up with my own 7 qualities of a successful person. Below is part 1 of my new weekly series, The Seven Qualities of a Successful Person.

Part 1 – The 7 Qualities of a Successful Person!!!

Ambition – “Keep away from those who try to belittle your ambitions. Small people always do that, but the really great make you believe that you too can become great.” Mark Twain.

All successful people are ambitious, all self-made millionaires are ambitious. Webster’s dictionary defines ambition as a “mean strong desire for advancement”. When you do research on ambition or ambitious people, you will find a common denominator, desire.

Another online definition of ambition is “an earnest desire for some type of achievement or distinction, as power, honor, fame, or wealth, and the willingness to strive for its attainment.”

There you go again, desire, when we study successful people, you will find a strong desire to win. Ambitious people not only desire to win, but they have drive, and unstoppable determination.

The quality of ambition gives successful people the energy needed to hurdle obstacles and tackle the seemingly impossible tasks.
Ambition is one of the strongest forces in the human arsenal, and is often the main reason things get done. However, ambition can also be one of the most dangerous qualities a person can have, “that drive to grab the biggest slice of the pie before anyone else and sometimes even the entire pie. Julius Caesar (101-44 BC) had plenty of ambition. Early in his career he happened upon a bust of Alexander the Great. Comparing himself to the great king, Caesar lamented that he was the same age as Alexander had been when he died but that by age thirty-two Alexander had conquered a world and so far he had done practically nothing. Vowing that would change, Caesar entered the Roman political arena and the rest is history.” Steve Forbes

Zig Ziglar teaches that you cannot be successful and happy when you reach your achievements at the expense of others. If your ambition drives you to succeed no matter what, no matter who you hurt, or trample over, you may gain some money, but you will never be truly successful.

Therefore, whether you are struggling during these tough economic times, or just simply want to get a promotion, or climb the corporate ladder, you need to go out and get some ambition and desire to achieve. One of the best ways to develop ambition is to read motivation books, and to listen to tapes, and even attend personal growth seminars.

So, are you an ambitious person, do you have internal drive, and desire to achieve beyond your wildest dreams. If not, go get some, because you can achieve greater success.

Here are some quotes on ambition.
“The very substance of the ambitious is merely the shadow of a dream.” William Shakespeare
“It is my ambition to say in ten sentences what others say in a whole book.” Friedrich Nietzsche
“A man's worth is no greater than the worth of his ambitions” Marcus Aurelius

It's a Good Life!!!
Greg Novak MBA
Branch Manager
Eagle Nationwide Mortgage Company
Office - 386-756-8228 Cell - 386-846-6686 Fax - 386-756-8108
Web site - www.MyNationwideLender.com

Oh, by the way, if you know someone who is thinking about buying or refinancing a home, please give me a call with their name and number, I will be happy to follow up with them for you.

Part 2 - Your Keys to Success

12 Tips For Overcoming Anxiety
By Remez Sasson

Anxiety in various forms and degrees seems to be a wide spread problem, affecting people of all ages and in every country.

If you are prone to anxiety you have two options:
A) Give in to it.
B) Learn to overcome it.


By giving in you will continue to suffer and feel unhappy, stressed and anxious. It is far better to learn to overcome anxiety or at least reduce its power.


Anxiety just wastes your time and energy and weakens you mentally and physically. You help no one and don't solve any problem by being anxious. Our planet will go on revolving, even if you stop worrying and being anxious.


Always know you have a choice - to give in to anxiety, or try to overcome anxiety, at least partially.


Here are 12 tips for alleviating and overcoming anxiety:
1. Lack of control over your thoughts strengthens your anxiety. As negative thoughts get stronger and stronger, your anxiety gets stronger. You need to learn to control your thoughts.

2. Feelings and emotions fuel and strengthen anxiety. You need to learn some self discipline and control over your feelings, and you also need to develop emotional and mental detachment.

3.When you go to bed at night, and first thing when you wake up in the morning, think about the good things that are happening to you. There are always some good things happening, even if small and insignificant.

4. Start the day with several minutes of positive affirmations. Tell yourself how would like your day to be. Use positive, cheering and motivating words.

5. Be busy, do something. By doing something you keep your mind off your anxiety. When you wake up in the morning start doing something right away, and keep busy all day. Cleaning the house, washing the dishes or working in your garden, reading, studying, meditating or exercising your body can help you keep your mind away from anxiety. Just sitting around and thinking about your problems and worries won't make them go away.

6. Set a goal and work everyday to achieve it. This action will direct your thoughts and feelings away from worries and anxieties, toward something more positive.

7. Talk about your anxieties to someone you trust. Talking about your anxieties and feelings often alleviate them and put them in the right proportions, provided you talk objectively, and with a real desire to reduce or get rid of your anxiety.

8. Exercising is a good way to keep from letting your fears overwhelm you. You can walk, do yoga or aerobics or any other sport.

9. Find reasons to laugh. This will bring light and happiness into your life and drive anxiety away. Watch comedies, be with happy and amusing friends or read something that makes you laugh.

10. Use positive words in your conversation and in your inner talk.

11. Affirm and visualize positive situations and events. Visualize a happy and positive solution to your problems.

12. If watching the news fills you with anxiety - turn off the TV! Limit the time you watch the news, and don't watch anything that may upset you before you go to bed.

The information in this article does not replace professional advice.

Peace of Mind in Daily Lifeby Remez SassonA book that teaches clearly and in an easy to understand language, how to overcome anxiety, stress, lack of concentration and restless thinking, and attain peace of mind.Step by step guidance that will lead you to inner peace, inner balance and happiness.Peace of Mind in Daily Life

It's a Good Life!!!
Greg Novak MBA
Branch Manager
Eagle Nationwide Mortgage Company
Office - 386-756-8228Cell - 386-846-6686Fax - 386-756-8108
Web site - http://www.mynationwidelender.com/

Oh, by the way, if you know someone who is thinking about buying or refinancing a home, please give me a call with their name and number, I will be happy to follow up with them for you.

Part 1 Your Keys to Success

Hello,
I am starting a new weekly blog entitled “Your Keys to Success”. Below is an article I found online that I think does a great job of outlining ways to stay positive, and why staying positive is a key to your success. Positive thinking has been the cornerstone in my success and my ability to move forward when so many are giving up and moving backward. Zig Ziglar is quoted as saying “Positive thinking will not give you the ability to do All things, but it will let you do All things better than negative thinking will”. I hope you enjoy.

Positive Thinking Your Key to Success
by Remez Sasson

Positive thinking brings inner peace, success, improved relationships, better health, happiness and satisfaction. It also helps the daily affairs of life move more smoothly, and makes life look bright and promising.
Positive thinking is contagious. People around you pick your mental moods and are affected accordingly. Think about happiness, good health and success, and you will cause people to like you and desire to help you, because they enjoy the vibrations that a positive mind emits.
In order to make positive thinking yield results, you need to develop a positive attitude toward life, expect a successful outcome of whatever you do, but also take any necessary actions to ensure your success.
Effective positive thinking that brings results is much more than just repeating a few positive words, or telling yourself that everything is going to be all right. It has to be your predominant mental attitude. It is not enough to think positively for a few moments, and then letting fears and lack of belief enter your mind. Some effort and inner work are necessary.

Are you willing to make a real inner change?

Are you willing to change the way you think?

Are you willing to develop a mental power that can positively affect you, your environment and the people around you?

Here are a few actions and tips to help you develop the power of positive thinking:

• Always use only positive words while thinking and while talking. Use words such as, 'I can', 'I am able', 'it is possible', 'it can be done', etc.
• Allow into your awareness only feelings of happiness, strength and success.
• Try to disregard and ignore negative thoughts. Refuse to think such thoughts, and substitute them with constructive happy thoughts.
• In your conversation use words that evoke feelings and mental images of strength, happiness and success.
• Before starting with any plan or action, visualize clearly in your mind its successful outcome. If you visualize with concentration and faith, you will be amazed at the results.
• Read at least one page of inspiring book every day.Watch movies that make you feel happy.
• Minimize the time you listen to the news and read the papers.
• Associate yourself with people who think positively.
• Always sit and walk with your back straight. This will strengthen your confidence and inner strength.Walk, swim or engage in some other physical activity. This helps to develop a more positive attitude.

Think positive and expect only favorable results and situations, even if your current circumstances are not as you wish them to be. In time, your mental attitude will affect your life and circumstances and change them accordingly.
Follow the tips and suggestions in this article, and prove to yourself the reality the power of positive thinking. More advanced and powerful techniques, instructions and exercises can be found in the following books:
Visualize and Achieve

Affirmations - Words of Power

When you expect success and say "I can", you fill yourself with confidence and joy.Fill your mind with light, hope and feelings of strength, and soon your life will reflect these qualities.

I hope you enjoyed the above article by Remez Sasson.

It's a Good Life!!!

Greg Novak MBA

Branch Manager

Eagle Nationwide Mortgage Company

Office - 386-756-8228 Cell - 386-846-6686 Fax - 386-756-8108

Web site - http://www.mynationwidelender.com/

Oh, by the way, if you know someone who is thinking about buying or refinancing a home, please give me a call with their name and number, I will be happy to follow up with them for you.

Here is a list of Mortgage Loans we are able to close.
Fixed Rate Mortgage Loans for new purchase and refinance
Adjustable Rate Mortgage Loans for new purchase and refinance
Conventional Mortgage Loans for new purchase and refinance
VA Mortgage loans
FHA Mortgage loans
FHA 203k Rehab Mortgages
USDA & Rural Development Mortgage Loans
First Time Homebuyer Mortgages
Reverse Mortgages, for seniors 62 and older

We offer great rates, excellent service, and we really do succeed in catering to you, the borrower.
Our Main area's of service include the Greater Daytona Beach Area, Daytona Beach, Port Orange, Ormond Beach, Volusia County, Palm Coast, Flagler County, Florida, Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY)

Part 10 - Millionaires vs the Middle Class

Hello,

Below is the final part, #10 in my series of blogs on “The Top Ten Distinctions Between Millionaires and the Middle Class” by Keith Smith.

Distinction 1 – Millionaires ask themselves empowering questions. Middle-class people ask themselves disempowering questions.

On the surface, this distinction may seem unimportant: though I assure you it is a profound principle. When you develop the habit of asking yourself empowering questions, your life will take on new meaning and success is inevitable… Whatever questions you ask you will receive the answers for; the bigger your questions, the better. Learn to ask yourself questions that stretch you beyond your current levels of experience. Questions hold the answers that you need to succeed.

For example, which question is more empowering? ‘How can I double my income this year?’ or ‘How can I get enough money to pay the bills this month?’
Do you see the difference? It takes the same amount of mental energy to think about answering the big question as it does the small question… Let’s look at a few more examples.

‘How can I make a $1,000,000 a year doing what I love?’ or ‘How can I get my boss to give me a raise?’
‘What is life trying to teach me right now?’ or ‘Why do bad things always happen to me?’
‘How can I develop a deeper relationship with my spouse?’ or ‘Why is it so hard to get along with my spouse?’
‘What can I do to show my kids I love them today?’ or ‘Why don’t my kids appreciate me?’
‘What would I enjoy doing to keep myself strong, healthy, and at my target weight?’ or ‘Why is it so hard to loose weight?’

Empowering questions ask what you can do and disempowering questions ask what you can’t do or why things are so hard. Empowering questions make you feel good. Disempowering questions make you feel bad…
The power of this distinction is awareness and consciousness. Most middle-class people are unaware or unconscious of the questions they ask themselves on a regular basis… Millionaires are aware of the questions they ask themselves. They are conscious of their thoughts. They continually work on conditioning their minds to lead them to more success.
We are all conditioned to think the way we do. Millionaires consciously condition their minds. By controlling the questions you ask yourself, you will learn to think for yourself. You gain control of your life by controlling your internal dialogue. You must become aware of the questions, and things you say to yourself if you want to be more successful.”

I truly believe in the power of positive thinking and that our “self talk”, meaning what you say when you talk to yourself, is a compass that leads us down the path of success or failure.

Here are a few books that I recommend on this subject.
1. “What to say When you talk to yourself.” By Shad Helmstetter
2. “Think & Grow Rich” by Napoleon Hill
3. “As a man thinketh” by James Allen

Here is a you tube clip that you may find interesting on How Self Talk Works.
http://www.youtube.com/watch?v=rvzfnm9uk-0&feature=related

Now that we are at the end of the book I think it would be good to do a quick recap, in part one we found that Millionaires think on a long term basis, and the middle class tends to think on a short term basis. In part two we found that Millionaires think and talk about ideas, and the middle class thinks and talks about things and people. In part three we learned that Millionaires embrace change and the middle class is threatened by change. In part four we found that Millionaires take calculated risks and the middle class is afraid to take risks. Part five was about how Millionaires continually learn and grown and the middle class thinks learning ended with school. Part six taught us that Millionaires work for profits and the middles class works for wages. In part seven we found that millionaires believe they must be generous and the middle class believes it can’t afford to give. In part eight we learned that millionaires have multiple sources of income and the middles class has only one or two. And last week in part nine we found that millionaires focus on increasing their net worth and the middle class focuses on increasing its paychecks.

Thank you for reading this series of Blogs and keep an eye out, because next week or so I will be starting another great series of positive, motivating, and personal growth Blogs.

It's a Good Life!!!
Greg Novak MBA
Branch Manager
Eagle Nationwide Mortgage Company
Office - 386-756-8228 Cell - 386-846-6686 Fax - 386-756-8108
Web site - http://www.mynationwidelender.com/


Oh, by the way, if you know someone who is thinking about buying or refinancing a home, please give me a call with their name and number, I will be happy to follow up with them for you.

Here is a list of Mortgage Loans we are experts in closing.

• Fixed Rate Mortgage Loans for new purchase and refinance
• Adjustable Rate Mortgage Loans for new purchase and refinance
• Conventional Mortgage Loans for new purchase and refinance
• VA Mortgage loans
• FHA Mortgage loans
• FHA 203k Rehab Mortgages
• USDA & Rural Development Mortgage Loans
• First Time Homebuyer Mortgages
• Mortgages up to 100% of the purchase price
• Reverse Mortgages, for seniors 62 and older

We offer great rates, excellent service, and we really do succeed in catering to you, the borrower.

Our Main area's of service include the Greater Daytona Beach Area, Daytona Beach, Port Orange, Ormond Beach, Volusia County, Palm Coast, Flagler County, Florida, Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY)

Part 9 - Millionaires vs the Middle Class

Below is part 9 in my series of blogs about “The Top Ten Distinctions Between Millionaires and the Middle Class” by Keith Smith.

Distinction 2 – Millionaires focus on increasing their net worth. The Middle Class focuses on increasing its paychecks.

“Most everyone has heard the saying ‘Work smarter, not harder’. Focusing on your net worth is working smart. Working for a pay check is working hard. Millionaires attain their financial freedom because they work hard in the beginning to build their net worth. Once their net worth is built to a certain level, they are free to do what they want when they want…

The typical definition of net worth is assets minus liabilities. Most people think an asset is anything they own that has value… This is not the way millionaires think about assets… Millionaires look at assets as the things they own that have value and earn passive income for them… Your liabilities are things you owe money for, like mortgages, car payments, credit card debts, and school and personal loans. Subtract the things you owe from the things you own that have value and produce passive income. This is your true net worth…

Millionaires make their money work hard for them. The middle class works hard for its money. Here are two reasons why working for a paycheck alone is risky and not very smart. One, as your paycheck gets bigger, so do your taxes. Two as your paycheck gets bigger, so does your dependency on someone else. Millionaires are in control of their financial lives. Middle-class people place control of their financial lives in the hands of someone else…

Working for a paycheck, is not wrong or bad,… Many people who are millionaires today, once worked for a paycheck. How did they become financially free? By using their paychecks to buy assets… Buying assets that produce income is not easy at first. It requires new knowledge, which is gained by many hours of personal study… Millionaires apply the knowledge they gain.”

One way to get started is with a small business. “In my opinion, everyone should have a small business. I am not saying to quit your job and start a business. I am suggesting your start a part-time business while working your current job: a part-time business doing something you enjoy… When you start your business, make sure you keep your cost of lining the same and save the money you make from your new business until you are ready to invest in an asset. It is the most common thing in the world to spend more money when you start making more money.”

When considering what type of small business to start I suggest that you look at the things that you enjoy, or are skilled in, or already do for yourself that you can do for other people and charge a fee. The biggest WARNING I can give you is to stay far far away from multi level marketing companies. Do NOT get involved with any company where their entire sales pitch to you is that all you have to do is to get other people to sign up underneath you and you will make money from them, and then you will also make money off the people they sign up, and so on and so on. This is a pyramid scheme. No matter what they call it, or how different they say it is from other MLM companies, it is all the same. The only person who actually makes money is the person at the very top. Any company that charges you an initiation fee, or requires you to purchase a certain amount of product every month to be commissionable, is one where they are not actually making their money from selling products, they are almost solely making their money from conning people into signing up and paying their fees to do so.

A couple other types of assets that produce passive income is Real Estate, and Stocks. Now, I know what you are thinking. The real estate market is in the tank, the stock market keeps tanking more and more every day. However, even now can be a great time to purchase either of these two things, you just have to be smart about it.

It's a Good Life!!!
Greg Novak MBA
Branch Manager
Eagle Nationwide Mortgage Company
Office - 386-756-8228
Cell - 386-846-6686
Fax - 386-756-8108
Web site - www.MyNationwideLender.com

Oh, by the way, if you know someone who is thinking about buying or refinancing a home, please give me a call with their name and number, I will be happy to follow up with them for you.

Here is a list of Mortgage Loans we are experts in closing.

• Fixed Rate Mortgage Loans for new purchase and refinance
• Adjustable Rate Mortgage Loans for new purchase and refinance
• Conventional Mortgage Loans for new purchase and refinance
• VA Mortgage loans
• FHA Mortgage loans
• FHA 203k Rehab Mortgages
• USDA & Rural Development Mortgage Loans
• First Time Homebuyer Mortgages
• Mortgages up to 100% of the purchase price
• Reverse Mortgages, for seniors 62 and older

We offer great rates, excellent service, and we really do succeed in catering to you, the borrower.

Our Main area's of service include the Greater Daytona Beach Area, Daytona Beach, Port Orange, Ormond Beach, Volusia County, Palm Coast, Flagler County, Florida, Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY)

Part 8 - Millionaires vs the Middle Class

Below is part 8 in my Bloggs about "The Top Ten Distinctions between Millionaires and the Middle Class" by Keith Smith.

Distinction 3 - Millionaires have multiple sources of income. The Middle class has only one or two.

"Let's compare dollars to fish. Would a fisherman catch more fish if he had two lines in the water? Of course, there is a greater possibility that he would. What if he had five lines in the water? It's easy to see that the more lines he has in the water, the more fish he has the possibility of catching.

Money is like that. The more sources of income you can develop, the more likely it is you will become a millionaire. For every millionaire who has achieved his or her wealth doing only one thing, there are a dozen other who became financially free by combining several forms of income...

Let's look at a term from Nido Qubein - Intentional congruence. It is the essence of how to create successful multiple sources of income. Intentional means: doing something on purpose... Congruence means: connected...

The concept of intentional congruence is first and foremost intentional... If you currently have one source of income and want to start another source, then make sure the new source of income supports the first, and make sure the first source can support the new one. Do they help promote each other? Can your primary source of income do business with your secondary of third? Do they lend credibility to each other? Can the customers from your primary source also become customers of your new endeavor?"

Another concept mentioned in this chapter is that you do not have to, or should not manage and do all of the work for all of your sources of income yourself. This is a difference in middle class and millionaire thinking. Millionaires know that there are people who can do the job just as good, if not better than they can, and they hire those people to manage and run their multiple sources of income. The middle class mindset is one where they think that no one can do the job as good a them and they feel that in order for the job to be done right they have to do it themselves. This is why the middle classes concept of multiple sources of income is having a second job. I want to be clear, that this is NOT the concept being put forth. The concept is to have multiple sources of income that do not require you to do the work or manage the business, and where the various enterprises support each other.

Let me give you an example. There are a couple of doctors here locally. They them selves are into fitness. They preach to their patients the importance of maintaining a healthy lifestyle and a regular exercise program. The doctors decided that they would open a fitness center. They researched franchises and purchased one. They found a great location and purchased the equipment. Then they hired a great team to run the business for them. Their practice feeds the gym and the gym feeds their practice.

The bottom line is first, find something you are interested in and enjoy. Second, decided if you can hire a team to manage and run the business and still be profitable. Third, does the new business relate to the first business and can the two businesses feed off of each other.

It's a Good Life!!!
Greg Novak MBA
Branch Manager
Eagle Nationwide Mortgage Company
Office - 386-756-8228 Cell - 386-846-6686 Fax - 386-756-8108
Web site - http://www.mynationwidelender.com/

Oh, by the way, if you know someone who is thinking about buying or refinancing a home, please give me a call with their name and number, I will be happy to follow up with them for you.

Here is a list of Mortgage Loans we are experts in closing.

• Fixed Rate Mortgage Loans for new purchase and refinance
• Adjustable Rate Mortgage Loans for new purchase and refinance
• Conventional Mortgage Loans for new purchase and refinance
• VA Mortgage loans
• FHA Mortgage loans
• FHA 203k Rehab Mortgages
• USDA & Rural Development Mortgage Loans
• First Time Homebuyer Mortgages
• Mortgages up to 100% of the purchase price
• Reverse Mortgages, for seniors 62 and older

We offer great rates, excellent service, and we really do succeed in catering to you, the borrower.

Our Main area's of service include the Greater Daytona Beach Area, Daytona Beach, Port Orange, Ormond Beach, Volusia County, Palm Coast, Flagler County, Florida, Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY)

Part 7 - Millionaires vs the Middle Class

Below is part 7 in my series of Bloggs about “The Top Ten Distinctions Between Millionaires and the Middle Class” by Keith Smith.

Distinction 4 – Millionaires believe they must be generous. The middle class believes it can’t afford to give.

“Not all millionaires are generous, but the happy ones are! Most millionaires believe in the law of sowing and reaping. They see money as a seed. They know if they are generous they will receive more in return.”

One important point to make is that millionaires typically do not give to get. They give to give. People who give to get something in return usually don’t receive any reciprocity because they are not really giving. Another thing millionaires do whenever possible is to give anonymously. They give anonymously because once again they are not giving to get something in return, and if you give to get recognition or a big pat on the back, then you are missing the true joy of giving unconditionally. To me there are very few feelings that match the feeling I get when I do something for someone or buy something for someone and they have no idea who blessed them with this act of kindness.

Another important point is that it is not the amount of the gift that matters. It is the intention of the giver. Millionaires can give large sums of monies to charities and they can make a big difference. Most likely if you are like me, stroking a check for $100,000 is not a possibility, even $100 right now is pushing it. But, you can give your restaurant sever an extra $10 or $20 on their tip, or if the person next to you at the grocery store only has a couple of items in their basket, pay for them. You never know how much an extra $10 or $20 might mean to someone else. I could be milk, bread, and Peanut butter for their hungry kids at home, or pack of diapers, or by paying for the elderly woman’s groceries, now she can afford to go and buy her prescription medicine this week. Little things that we may take for granted may be a huge deal to someone else.

One last point I want to make is that millionaires are not only generous with their money, but they are also generous with their time and abilities. One of the best ways to give to someone else is to volunteer your time or put your skills to work for someone in need. I know a nurse who volunteers one day a month at a free clinic treating patients, administering shots, and bandaging wounds. Or, if you are an accountant, maybe prepare some tax returns at no cost to someone struggling to get by. Volunteer with Habitat for Humanity, or help your elderly neighbor maintain their home by cutting their grass for them for free so they do not have to pay someone. There are things all around that you can do to help someone in need.

“It is a good habit to be generous; to make sure money never controls you. I once heard a spiritual teacher tell of a test you can do to see if you possess your money, or your money possesses you. The test: give it away. If you can do that, then you possess your money. If you can’t, then your money possesses you.”

Lastly, I have two quotes for you.

“If you give it out in slices, it will come back to you in loaves” Brian Buffini

“Always give without remembering and always receive without forgetting.” Brain Tracy

It's a Good Life!!!

Greg Novak MBA
Branch Manager
Eagle Nationwide Mortgage Company
Office - 386-756-8228
Cell - 386-846-6686
Fax - 386-756-8108
Web site - www.MyNationwideLender.com

Oh, by the way, if you know someone who is thinking about buying or refinancing a home, please give me a call with their name and number, I will be happy to follow up with them for you.

Here is a list of Mortgage Loans we are experts in closing.

• Fixed Rate Mortgage Loans for new purchase and refinance
• Adjustable Rate Mortgage Loans for new purchase and refinance
• Conventional Mortgage Loans for new purchase and refinance
• VA Mortgage loans
• FHA Mortgage loans
• FHA 203k Rehab Mortgages
• USDA & Rural Development Mortgage Loans
• First Time Homebuyer Mortgages
• Mortgages up to 100% of the purchase price
• Reverse Mortgages, for seniors 62 and older

We offer great rates, excellent service, and we really do succeed in catering to you, the borrower.

Our Main area’s of service include the Greater Daytona Beach Area, Daytona Beach, Port Orange, Ormond Beach, Volusia County, Palm Coast, Flagler County, Florida, Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY)

Part 6 - Millionaires vs the Middle Class

Below is part 6 in my series of Bloggs about “The Top Ten Distinctions Between Millionaires and the Middle Class” by Keith Smith.

Distinction 5 – Millionaires work for Profits. The middle class works for wages.

“People who work for wages end up earning enough to live on but not much more. It is rare for someone to make enough money from an hourly or salary position to become financially free. Millionaires understand this and choose to work for profits instead of wages. Wages are the pay you receive for the work you do. Profits are the result of buying something for one price and selling it for a higher price. Millionaires are in the sales business.
If you depend on wages for your income, then your income will always be extremely limited. If you learn to earn profits, then the sky is the limit.
It has been said that over 90 percent of people who make more than $100,000 a year are in some form of sales. I believe this is true. All of my mentors work for profits. Not one of them works for wages.”
For the remainder of this chapter Keith goes on to describe his own success story. His story is very interesting, but somewhat hard to summarize. The bottom line of what he describes, is that he was always looking for different ways to make money. He was always looking for things he could sell at a profit. He was always watching other successful people make money and then tried to do what they were doing.
I agree with a lot of what Keith says in this chapter, however, I don’t think you need to be self employed or necessarily in a sales position to become a millionaire. Do I think it will get you there faster to be an entrepreneur with a solid idea and business plan? Sure, absolutely. But can you get there from a salary position? Yes you can.
That being said, your mentality must be the same as someone who is self employed, or in sales. You can not go to work and work for your paycheck. You have to go to work, to work for your company. There is a big difference there. People who go to work for a paycheck typically do just enough to earn that paycheck. People who go to work for a company typically do more than what is asked of them and do more work than what they are getting paid to do. These people are the ones who end up getting the promotions, and the raises and end up running the company. These are the “non-self-employed” people who become millionaires.
In addition to reading this book, I have also been listening to my Zig Zigler CD’s. In one of Zig’s presentations he talks about affirmations and gives an affirmation that he suggests people say to themselves everyday. I am going to type it out below, but I want to you notice that the first sentence of this affirmation states that “regardless of who signs my paycheck I am self-employed”. I believe this is so important to understand and remember because you truly are in charge of your own destiny no matter where you work, or who you work for. Your attitude, your drive, your willingness to put forth more effort and work than the next person will determine how successful you will be and if you will be a millionaire, or if you will stay in the middle class.

Zig Ziglar Daily Affirmation:
1. I am an honest, intelligent, organized, responsible, committed, teachable person who is sober, loyal, and clearly understands that regardless of who signs my paycheck I am self-employed. I am an optimistic, punctual, enthusiastic, goal-setting, smart working self-starter who is a disciplined, focused, dependable, persistent player and hard worker who appreciates the opportunity my company and the free enterprise system offer me. I am thrifty with my resources and apply common sense to my daily tasks. I take honest pride in my competence, appearance and manners, and am motivated to be and do my best so that my healthy self-image will remain on solid ground. These are the qualities which enable me to manage myself and help give me employment security in a non job-security world.

2. I am a compassionate, respectful, encourager who is a considerate, generous, gentle, patient, caring, sensitive, personable, attentive, fun-loving person. I am a supportive, giving and forgiving, clean, kind, unselfish, affectionate, loving, family-oriented human being and I am a sincere and open-minded good listener and a good-finder who is trustworthy. These are the qualities which enable me to build good relationships with my associates, neighbors, mate and family.

It's a Good Life!!!
Greg Novak MBA
Branch Manager
Eagle Nationwide Mortgage Company
Office - 386-756-8228 Cell - 386-846-6686 Fax - 386-756-8108
Web site - http://www.mynationwidelender.com/

Oh, by the way, if you know someone who is thinking about buying or refinancing a home, please give me a call with their name and number, I will be happy to follow up with them for you.

Here is a list of Mortgage Loans we are experts in closing.

• Fixed Rate Mortgage Loans for new purchase and refinance
• Adjustable Rate Mortgage Loans for new purchase and refinance
• Conventional Mortgage Loans for new purchase and refinance
• VA Mortgage loans
• FHA Mortgage loans
• FHA 203k Rehab Mortgages
• USDA & Rural Development Mortgage Loans
• First Time Homebuyer Mortgages
• Mortgages up to 100% of the purchase price
• Reverse Mortgages, for seniors 62 and older

We offer great rates, excellent service, and we really do succeed in catering to you, the borrower.

Our Main area’s of service include the Greater Daytona Beach Area, Daytona Beach, Port Orange, Ormond Beach, Volusia County, Palm Coast, Flagler County, Florida, Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY)

Part 5 - Millionaires vs the Middle Class

Below is part 5 in my series of Bloggs about “The Top Ten Distinctions Between Millionaires and the Middle Class” by Keith Smith.


Distinction Six - Millionaires continually learn and grow. The middle class thinks learning ended with School.


“Why do you think million-dollar homes have libraries? Is it just a coincidence that million-dollar homes have them and $100,000 homes don’t? I don’t think so.”
Most millionaires read a book, or listen to an audio recording, or attend a seminar every week. Most millionaires have invested well over $100,000 on success education. Most people with a middle class mentality will probably think, “I don’t have that kind of money to spend to learn how to make money.” If you notice it was never said that the money was spent all at one time. “Millionaires continue to invest more and more in knowledge as they make more money. Success is a process. If a percentage of your income is not going towards a financial education, you will stay trapped in the middle class.
You can start with books… Millionaires read and read and read. Books are so inexpensive compared to how much the knowledge they contain is worth. Are you aware you can learn a concept in only a few hours from a book that took someone years to develop? More people than ever are becoming millionaires because they are compressing time and learning financial secrets that took others years to discover. I feel like some of the $20 books I have read were worth $20,000 because of what I learned from them.
Most middle class people stay at the same level of income year after year because their knowledge stays at the same level year after year. One reason for this is because they think learning ended with school. Millionaires are students of life. They continually learn from the circumstances of their lives…
Millionaires focus on personal growth. They believe to have more they must become more. They see growing as one of the main purposes of life. Growth takes time. Be patient with yourself as you gain knowledge. Realize that knowledge is a seed and it takes time for seeds to grow into trees that bear fruit. Every time you read a book you are either planting another seed or watering some that are already in your mind. Millionaires read books about money and how to build better relationships. They read about the power of the mind. They read about the successes and failures of others. Millionaires are serious students of a successful life, not just financial success. They continually look for new ways of thinking and acting that can produce more fulfillment in their lives.
The secret of being a life long learner is to study what you love. One of the biggest differences I have seen between millionaires and the middle class is that millionaires focus on what they enjoy doing. They continually learn more about the subjects that inspire them. The reason millionaires study about every area of life is because they love life.
The middle class thinks millionaires love money too much. In my experience, that is simply not true. What is true, is that millionaires love what they can do for their families and others with their abundance. Millionaires who are greedy and afraid of loosing their money are not truly successful. True success involves peace and contentment. Study success and learn how to make money, but also learn how to be content with where you are while in pursuit of what you want.”

For me personally reading this chapter this week and forwarding the information to you could not have come at a better time. With all that is going on in the economy these days, and being a father to a young family, it seems as if there is less and less time in the day. I have been reading less and less, and listening to less audio CD’s and over all doing less in the way of personal growth. This chapter has inspired me to get back into the habit of keeping a personal growth or motivational CD in my car stereo, and to get back to reading more. Zig Zigler calls his car an “Automobile University”. This really is one of the best places to grow and learn. How much time do you spend in your car every week? What do you think would benefit you more? Listening to music, or personal growth books and seminars on CD?
Below is a list of books and Audio programs I highly recommend that you start your continuing education with.

Books or Audio Books
“The Richest Man In Babylon” by George Clason
“Think and Grow Rich” by Napoleon Hill
“The Millionaire Mind” & “The Millionaire Next Door” Both by Thomas Stanley
“As A Man Thinketh” by James Allen
“The Power of Positive Thinking” by Norman Vincent Peale
“Smart Talk” by Lou Tice
“Built to Last” & “Good to Great” by Jim Collins
“It’s Only a Mountain” by Dick Hoyt

Audio recordings and seminars
“How to Stay Motivated” by Zig Zigler
“Courtship After Marriage” By Zig Zigler
“Raising Positive Kids in a Negative Word” by Zig Zigler
Basically anything by Zig Zigler
“The Power of Ambition” by Jim Rhon
“The Art of Exceptional Living” by Jim Rohn
Basically anything by Jim Rohn

Personal Growth, Business, and Real Estate Coaching Companies
Brian Buffini and Company - http://www.brianbuffini.com/

Here are some quick video clips to give you a little motivation
Zig Zigler – Setting Goals 1 of 3 http://www.youtube.com/watch?v=Ae-VJ_lauCw
Zig Zigler – Setting Goals 2 of 3 http://www.youtube.com/watch?v=kiQV0oTyd98&feature=related
Zig Zigler – Setting Goals 3 of 3 http://www.youtube.com/watch?v=su2UuP3aqZg&feature=related

It's a Good Life!!!
Greg Novak MBA
Branch Manager
Eagle Nationwide Mortgage Company
Office - 386-756-8228 Cell - 386-846-6686 Fax - 386-756-8108
Web site - http://www.mynationwidelender.com/
Oh, by the way, if you know someone who is thinking about buying or refinancing a home, please give me a call with their name and number, I will be happy to follow up with them for you.

Here is a list of Mortgage Loans we are experts in closing.

• Fixed Rate Mortgage Loans for new purchase and refinance
• Adjustable Rate Mortgage Loans for new purchase and refinance
• Conventional Mortgage Loans for new purchase and refinance
• VA Mortgage loans
• FHA Mortgage loans
• FHA 203k Rehab Mortgages
• USDA & Rural Development Mortgage Loans
• First Time Homebuyer Mortgages
• Mortgages up to 100% of the purchase price
• Reverse Mortgages, for seniors 62 and older

We offer great rates, excellent service, and we really do succeed in catering to you, the borrower.
Our Main area’s of service include the Greater Daytona Beach Area, Daytona Beach, Port Orange, Ormond Beach, Volusia County, Palm Coast, Flagler County, Florida, Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY)

Part 4 - Millionaires vs the Middle Class

Distinction Seven – Millionaires take calculated risks. The Middle class is afraid to take risks.

The middle class is trapped in the rat race because it doesn’t take risks. The only way out of the rat race is to take risks… Taking risk doesn’t mean taking a shot in the dark. Millionaires take CALCULATED risks… Millionaires overcome fear,” associated with risk, “and the middle class submits to it.” Millionaires tend to ask three questions when analyzing an opportunity with associated risk. “1. What’s the best thing that could happen? 2. What’s the worst thing that could happen? 3. What’s the most likely thing to happen? If you can live with the worst thing that could happen and if the most likely thing to happen will get you closer to your goals, then go for it!” The problem with a lot of people, when they take a risk, is that they base their decision on a best case scenario and don’t consider the worst case, or the most likely case, and frequently the most likely thing to happen is something that they can not live with, or will put them in a worse off position financially.
Unfortunately, I think a lot of people, my self included, got caught up in the real estate frenzy with purchasing investment property. Most of these people, again, my self included, only looked at the best case scenario. That property values would continue to go up, the rental market would stay strong, and we would be able to cash flow the property for a period of time and make a good profit, or flip the property and make a good profit. Well, we all know how that story ends, and a big part of this problem falls back to a lot of people not considering the worst case scenario, or in some cases even the most likely scenario and a lot of money has been lost as a result. Real estate is not the obviously not the only risk that people take and not fully consider the down side. Some other popular failed risks include Multi Level Marketing companies, dot com investments, the latest and greatest new stock option, and other get rich quick schemes. The thing about taking a smart, calculated risk is that it rarely gets to rich quick. It usually takes years and sometimes decades to make you rich. If you have taken a loss on an investment, I think it was Zig Zigler who tell us to chalk those losses up as “Tuition in Life’s University”, learn from those mistakes and move forward.
This last statement is a great intro into the next part of this chapter which discusses the three main fears you must overcome in order to be successful.
1. “The Fear of Failure. It is not a matter of if you will fail, it is a matter of when. Millionaires understand that failure is part of the path to success. They do not fear failure, they embrace it when it comes and become wiser. The reason the middle class fears failure is because it thinks failure is bad. Millionaires think failure… gives them the opportunity to learn and grow… Failure is one of life’s many teachers.”
2. “The Fear of Rejection. The middle class puts too much importance on the acceptance of others. We all want others to accept us. We also want to be successful. Here’s a key to success: you must want to succeed more than you want the acceptance of other people. Millionaires desire success more than they desire acceptance. In order to be successful you will have to take risks and, if you fail, some people may reject you. The funny thing is, if you succeed some people will still reject you… If you are addicted to the approval of people, this will keep you from taking risks.”
3. “The Fear of Loss. Millionaires play to win. The middle class plays not to lose. HUGE DIFFERENCE! Can you imagine if a football team played defense the entire game? Their chances of winning would be zero. If you fear loss, you will only play defense when it comes to your money and your chance of financial freedom will be zero. People who play not to lose are always saying they should have done this or that. The biggest gap in the world is between I should and I did. Millionaires can say, ‘I Did’. The middle class is always saying, ‘I should’. When you take risks, you may lose some money; accept it and go on. Just as failure is part of success, losing is part of winning.”
I am going to finish up this weeks e-mail with a quote from Zig Zigler dedicated to those of us who have taken a risk and failed. “You are doing better than good when you clearly understand that failure is an event, not a person; that yesterday ended last night, and today is your brand new day. You are doing better than good when you have made friends with your past, are focused on the present, and optimistic about your future. You are doing better than good when you know that success (a win) doesn't make you, and failure (a loss) doesn't break you.”

It's a Good Life!!!
Greg Novak MBA
Branch Manager
Eagle Nationwide Mortgage Company
Office - 386-756-8228 Cell - 386-846-6686 Fax - 386-756-8108
Web site - http://www.mynationwidelender.com/

Oh, by the way, if you know someone who is thinking about buying or refinancing a home, please give me a call with their name and number, I will be happy to follow up with them for you.

Here is a list of Mortgage Loans we are experts in closing.

• Fixed Rate Mortgage Loans for new purchase and refinance
• Adjustable Rate Mortgage Loans for new purchase and refinance
• Conventional Mortgage Loans for new purchase and refinance
• VA Mortgage loans
• FHA Mortgage loans
• FHA 203k Rehab Mortgages
• USDA & Rural Development Mortgage Loans
• First Time Homebuyer Mortgages
• Mortgages up to 100% of the purchase price
• Reverse Mortgages, for seniors 62 and older

We offer great rates, excellent service, and we really do succeed in catering to you, the borrower.

Our Main area’s of service include the Greater Daytona Beach Area, Daytona Beach, Port Orange, Ormond Beach, Volusia County, Palm Coast, Flagler County, Florida, Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY)

Part 3 - Millionaires vs the Middle Class

Below is part 3 in my series of blogs about “The Top Ten Distinctions Between Millionaires and the Middle Class” based on the books by Keith Smith. To quickly recap, in part one we found that Millionaires think on a long term basis, and the middle class tends to think on a short term basis. In part two we found that Millionaires think and talk about ideas, and the middle class thinks and talks about things and people.
This weeks blog hits so close to home in where we all are right now. The information below is so pertinent to everyone in today’s market and economy. I strongly encourage you to fully read the information below and pass it on to all of your friends and associates because everyone can truly benefit from it.
Also, please remember that I am available for you and your clients, and anyone you know who may need to buy, or refinance a home from a nationwide lender. In addition to purchases and refinances, we are also able to offer rehab loans for those home that need a little bit of work. We do all types of mortgages in all 50 states.



Distinction 8 – Millionaires embrace change. The middle class is threatened by change.

“Change can be positive or negative. The problem is, we don’t know which it will be when change first presents itself. People don’t mind positive change… The problem with the middle class is it assumes change will be negative most of the time. Millionaires assume that all change, positive or negative, will benefit them. Nido Quibein says, ‘For the timid in our society, change is frightening. For the comfortable change is threatening. But for the truly confident among us, change is opportunity.’ How well do you handle change, especially unexpected change?.. People who are insecure, resist change. People who are confident, welcome it… Confidence is the result of working on yourself. It is the benefit of proving yourself, to yourself… Confidence is believing you can do whatever you choose to. Millionaires choose to be rich. The middle class wishes it were rich… A choice is backed by a belief you can do it. A wish is backed by a doubt that you can.”
Lets take a closer look at this, because so much of it can be applied directly to your own place of work. Who are the people at the top of your organization? How do you think they got there? They are not afraid of change. When they were working their way up the corporate ladder, and their boss came to them and said, “We have to make some changes to the way we do things”. They embraced those changes as a new way to do things and a new way to prove that they can handle anything that comes their way. What did most of their co-workers do? They complained and resisted and instead of embracing the change and doing what they were asked, they made things difficult for their bosses because they did not want to change the way they were used to doing things. Now those co-workers are still in the same so called “dead end job” or got fired.
Now let’s examine the real estate and mortgage industry. Our industry is in a tail spin right now with unprecedented numbers of foreclosures and short sales. If you poll the industry as a whole you will probably find a common theme. “The market is terrible, buyers wont buy, and sellers can’t sell, and if you do find a buyer who wants to buy they can not get a loan.” This is some of what I hear frequently. But, let’s take a look again, at the top producers in our industry. Are they the same people who were at the top three years ago at the height of the real estate boom? Some are, but not all, and there are also some new names, that were just moderate producers back then. Why do you think that some of the top producers from back then are barely getting by now, and some of the moderate producers are now top producers. I guarantee you it has a lot to do with how they handled the huge change that has taken place in the industry. The top produces that have fallen off, did not know how to change their business plan and adapt or look for new opportunities in this new market to make money. They believed that regardless of the industry change, they could continue to do the same thing that they have always done, and get the same results. On the other hand the moderate producer that is now a top producer saw the change in the market as an opportunity to change their business and do better now than they did before. They realized that if I want to stay alive and pay my bills I need to find new ways to get referrals and leads, I need to adjust some of the old ways and make up new ones. Incidentally, in taking a look at the volume of these new top producers, if you compare the total volume that they were closing back in 2004 to now, it is really about the same as what they were producing back then as moderate producers. They have found a way to adapt and sustain their business while everyone else around them has been falling.
That is the true mark of someone who knows how to take on change. Sometimes it is not how much you increase business or profits as a result of embracing change, but just simply being able to hang on and stay at the same level of production while everyone else is plummeting.
In closing to this e-mail I have a little bit more from the book. “Someone once said, ‘In times of change, the learners will inherit the earth. While the learned will find themselves well equipped to deal with a world that no longer exits’… Sometimes we don’t know what we can do until we have to. Ask someone to think back to a difficult time of his life, when life threw him a curveball. He will probably say, ‘It was the best thing that ever happened to me.’ Almost everyone has an experience like that. Let’s learn a lesson from ourselves and realize change is always meant for our good.”
So my question to you is have you inherited this world as it is, or have you embraced the change and are now well equipped to deal with a real estate world, or economy that no longer exists as we once knew it.

It's a Good Life!!!
Greg Novak MBA
Branch Manager
Eagle Nationwide Mortgage Company
Office - 386-756-8228
Cell - 386-846-6686
Fax - 386-756-8108
Web site - http://www.mynatiowidelender.com/

Oh, by the way, if you know someone who is thinking about buying or refinancing a home, please give me a call with their name and number, I will be happy to follow up with them for you.



Here is a list of Mortgage Loans we are experts in closing.

• Fixed Rate Mortgage Loans for new purchase and refinance
• Adjustable Rate Mortgage Loans for new purchase and refinance
• Conventional Mortgage Loans for new purchase and refinance
• VA Mortgage loans
• FHA Mortgage loans
• FHA 203k Rehab Mortgages
• USDA & Rural Development Mortgage Loans
• First Time Homebuyer Mortgages
• Mortgages up to 100% of the purchase price
• Reverse Mortgages, for seniors 62 and older

We offer great rates, excellent service, and we really do succeed in catering to you, the borrower.
Our Main area’s of service include the Greater Daytona Beach Area, Daytona Beach, Port Orange, Ormond Beach, Volusia County, Palm Coast, Flagler County, Florida, Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY)