Women for Wealth.com

Encoding Your Mind for Success - - Manifest Moments, Issue 38

2009-05-29T08:27:00.001-05:00

P rofessor Richard Wiseman at Hertfordshire University in England has spent more than a decade researching why some people have more ‘luck’ than others. In fact he has a book called The Luck Factor.

The results will not surprise any of my readers. To change your fortune Wiseman says it’s NOT about luck... “rather it’s a way of thinking and behaving.” He quotes Louis Pasteur who said, “If you lay the groundwork, then when something happens by ‘chance,’ your memory goes right to work and you notice it.” You act on it. You ‘seize’ the moment!

Or as Colleen Seifert PhD says it, “Success needs to start the day before a success event happens.” Colleen is a Professor of Cognitive Psychology. She’s discovered that people are not very good at recalling intentions when they need to. “Though you know what you want, the knowledge doesn’t always come to mind at the right time to guide your behavior.”

Therefore the success or behavior change you want needs to start in your mind first. “You have to ‘seed’ your mind with the vision of success first.” In other words, you have to imagine yourself acting in a certain way in a certain situation. “This gives your mind instant access to the information it needs on how to act when the time is right,” emphasizes Seifert.

One example she gives is the person who wants to become less shy and have more friends. In that case it’s important to visualize using more eye contact, shaking more hands, being more open to chance meetings, and being excited about meeting new people.

Two experiments come to mind to support that. One is from Tony Robbins. I heard him say once that when he was poor, struggling and unknown, he decided that he wanted to be successful and well known. So he said to his wife, “Honey, how would you like to become a public figure?” Then he said, “OK, we’re going to walk through the lobby of this hotel as though we are already a public figures.” And the rest is history. We have to see it in our minds in order to make it materialize.

Another experiment was in basketball. Perhaps you remember it - Two groups of players, both new to basketball and both equal ability, were shown a training film. Then the two groups were sent out to practice. There was only one difference. One team had a ball to practice with and the other had to practice in their minds. The result of the experiment was that the ones who used only their minds to practiced making baskets, than the one who used the ball.

Here’s the bottom line. According to Colleen Seifert’s research, “Preparing your mind for a certain behavior increases (by as much as 50%) the chance that you’ll pull off that behavior.” She says, “If you think about what you want, you imagine the situations in which you’ll need to remember it, you’re more likely to get it.” That’s what she calls, ‘predictive encoding the memory.’

3 MINUTE ACTION TIP: Why not ‘encode’ your memory with the success or behavior difference you want in life? All you need to do is this - STEP 1: Think of the success you want. STEP 2: See yourself acting the new way when the event or opportunity presents itself. STEP 3: Put yourself out there where it’s most likely to happen. Then let your mind work do the rest through the encoding you’ve given it.

Much love,
Christine

About the Author: Christine Harvey is the author of six international marketing and leadership books now published in 25 languages by 48 publishers, including ‘In Pursuit of Profit.’ She was the first woman and first American elected to Chair a London Chamber of Commerce and Industry, and a business start-up initiative launched by Prince Charles. She served as Director on the International Board of Zonta, with 36,000 members in 62 countries, as well as two venture capitol boards – one in the UK and one in the US. She’s been honored to address two Parliaments of the world on the ‘Privatization of Industry,’ and ‘Policy for the Growth of Private Industry.’ She has been interviewed by the media in dozens of countries. Her company trains people in sales, motivation, management and presentations with persuasion - in America, Europe, Australia and Asia.

Giving Your Power Away - - Manifest Moments, Issue 37

2009-05-16T12:30:00.001-05:00

Eckhart Tolle talks about the ‘pain body,’ and how we have to stop giving into ‘lurking in self pity.’ A Course in Miracles talks about the ‘ego,’ and how pervasive it can be – that voice in our head making us believe ‘things are against us.’

No matter how you slice it, if you give into negative feelings, you are giving your power away. By giving your power away, I don’t mean it in the conventional way – I don’t mean giving your power to another person. By giving power away in this sense, I mean giving power away by giving into the negative thoughts in our minds which are so human – self pity, being an underdog, someone is against you, someone said something you didn’t like, how hard a task will be, how impossible something is, how awful it was, and on and on and on.

Going back to the Tony Robbins premise that our minds can only hold one thought at a time, the answer is to chose a different thought. Eckhart Tolle and A Course in Miracles would both say, ‘Choose Love.’

Something that brings love into your heart quickly will help you kick start it. I like to think of my precious granddaughter. What’s an image that brings love instantly into your heart? I also like to hear music – the real thing works good but music in my head works good too – nice Hawaiian music for me. What’s your favorite?

Choosing love may seem very hard if we have let ourselves give into the ego or pain body for very long – by that I mean minutes or hours. The longer we stay in it, the stronger our impression is that the negativity is true. But of course it is not true, it just seems true to the ego we’ve given our power to for those seconds or minutes or hours, because each second it goes uncorrected gives it reinforcement of it’s untrue belief.

And the longer in life that we let that go on, the stronger it gets – but that’s no reason to continue to give our power away to it. If we live in untrue negativity, it’s like living in a fairy tale – but one in which there is no happiness.

Yes, there are problems in life, but not the ones we make up in our heads. I had an email yesterday telling me that a friend is going in for open heart surgery next week. Would you want to trade your fairy tale problem in your head for her problem? And yet even she is drawing on her faith to see her through.

The answer is to come to recognize all negativity of the mind and body as fairy tales. If you get a thought that someone is against you based on something they said or did, ask them if it’s true. If you hold it as real (and 99% of the time it’s not) then it’s an injustice to them AND a huge injustice to you. Why should you suffer unnecessarily? The problem is that our minds convince us that we are ‘right’ or that we ‘know’ so many times in life, so many times each hour, when in fact we don’t ‘know.’ We may know something ‘about’ it, but we don’t ‘know’ it completely. It’s just the ‘ego’ or ‘pain body’ again filling in the missing pieces. It’s making the fairy tale seem true.

Recently I wrote about how to start the day with motivation. This is a way of keeping the ‘ego’ or ‘pain body’ at bay. It’s a way of being proactive, recognizing that it will always be there, but taking a stand for love, joy and happiness and being all you can be. It’s a way of reclaiming your power and declaring that you will choose love and the ability to stay in the moment.

Here’s input from one of our members, Walter Blackburn in the UK on the subject... “Your last 2 Manifest Moments – on Morning Motivation and Letting Courage Drive Your Success – have echoed strongly with me.

I think this (morning motivation) is potentially one of the most valuable ideas that you have written on recently – it certainly echoes with me! I agree with you about books by the side of the bed, though it’s been a while since I’ve read anything in the morning – thank you for reminding me. Books I keep by the bedside are generally the latest book I’m reading – at the moment it’s Robert Fritz on Structure in Organisations. As well as Dale Carnegie on How to Win Friends and Influence People.... and two I’ve come across recently “Your best year yet” – a wonderful concept, I think, and “Why should anyone be led by you?”.

The idea of courage is sitting with me at the moment, as I come up to a possible change of direction – what I’m doing and who I’m doing it with. All power to you to continue bringing these great ideas to life for me and for others!” (Thanks Walter for sharing these books and thoughts with the team.)

3 MINUTE ACTION TIP: What steps will you take when the negative fairy tale thinking of the ego tries to have a hold over you? Will you choose love, knowing that the mind can only hold one thought at a time? If so, what trigger of happy memory or music will you have ready? What steps will you use to be proactive, be it be books by your bedside or other? When will you start?

Much love,
Christine

About the Author: Christine Harvey is the author of six international marketing and leadership books now published in 25 languages by 48 publishers, including ‘In Pursuit of Profit.’ She was the first woman and first American elected to Chair a London Chamber of Commerce and Industry, and a business start-up initiative launched by Prince Charles. She served as Director on the International Board of Zonta, with 36,000 members in 62 countries, as well as two venture capitol boards – one in the UK and one in the US. She’s been honored to address two Parliaments of the world on the ‘Privatization of Industry,’ and ‘Policy for the Growth of Private Industry.’ She has been interviewed by the media in dozens of countries. Her company trains people in sales, motivation, management and presentations with persuasion - in America, Europe, Australia and Asia. To sign up for the weekly ‘Manifest Moments’© and ‘Profit Pointers’© curriculum, go to WomenforWealth.com

Who=?ISO-8859-1?B?uQ==?=s in Control of Your Goals? - - Profit Pointers=?ISO-8859-1?B?gSAgIA==?=Curriculum, Issue 27

2009-01-07T08:16:00.001-05:00

Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide,
including international best seller ‘In Pursuit of Profit.’

(For application of these principles to: business, real estate, network marketing, personal development, see APPLICATION TIPS below.)

Hi All,

In Chapter 21 of ‘In Pursuit of Profit,’ I give one of my all time favorite analogies. I compare being out at sea with Management Controls. Wait – don’t think “YUCK – Management Controls – Is she crazy? What’s exciting about that?”

‘Management Controls’ and ‘Goal Controls for Life’ are the same - AND THEY’RE EXCITING - They get you to where you want to be. They do that by measuring your RESULTS against your TARGET.

Here’s the example I give in the book about being out at sea. When Tom and I had our boat on the River Thames in England, we decided to take it out into the English Channel. Near the coastline are a series of Bouys floating in the water near the coastline. These bouys stand out of the water a couple feet high, and each has a different colored light flashing on it.

In order to find our way in these deep waters, it was necessary to check the color of each bouy we passed on our right and then on our left. Then quickly we had to compare it to our navigational chart. The bouys were coming up so quickly, that by the time we checked on our right and our left and then the chart, we were up against a new set of bouys. All the while the shore line was getting further and further away and the feeling of being in ‘deep water’ with tides against us was pretty indescribable, and not unlike life and business today!

We could see how easy it was to go off course. If we started to go off course and didn’t take corrective action immediately, we would be in big trouble. After 2 or 3 sets of wrong bouys according to our charts, we knew it would be difficult to get back on course. In addition the weather could change and the current could turn against us, making it even harder to get back on course.

So here’s the analogy. We don’t go out to sea without planning our course ahead, and we don’t go out to sea leaving our charts behind. If we do, we’re in big trouble.

So why do we think we can do that in life and business? Or as Dr. D. Campbell says, “If we don’t know where we are going, we’ll end up someplace else.”

Are you where you want to be right now? If not, maybe you haven’t planned out your goal so that you have targets to follow like the bouys in the water. A management control system – whether in life or business - must link actual performance to the PLAN. Many companies make the mistake of recording their results (without linking it to the plan) and think they have management controls. But they don’t. Without linking results to the PLAN, they merely have a report, but not management control.

What good does it do to know where you are if you don’t know where you should be? It’s like Tom and I saying “Oh look, we’re between the red and the blue bouy, without knowing that we should be between the green and the yellow bouy in order to stay on course!

In Chapter 21 of ‘In Pursuit of Profit,’ I give endless examples of how to apply this to your business. Please read it and get greater insight into your company planning. We are in deep waters now with the economy worldwide. You can’t be out at sea without charting your future and monitoring results against TARGETS. Nor can you do that with life either – if you want outstanding results – which I know you do.

3 MINUTE ACTION TIP: Stop now and plan a time you can write down your goals. Then break those goals into likely milestones along the way. These are your sub-goals. They will serve as your bouys in deep water. Now put dates against each planned milestone sub-goal. Carry that with you and check it daily.

(If you need more assistance with that, join our Prosperity Team starting soon. Email ChristineHarvey@ChristineHarvey.com.) There’s no time to waste.

All best,
Christine

APPLICATION TIPS:

Business and sales, Set your goals and sub-goals to increase your business.

Real estate investment, Set your goals and sub-goals to improve your results.

Network marketing, Set your goals and sub-goals to bring in more team members and improve team results.

Personal/ leadership development, Set your goals and sub-goals to improve your results on any goal in your life.

REFERENCE RESOURCE: Chapter 21, Pages 177-187, In Pursuit of Profit, by Christine Harvey - an international best selling training tool, used by corporations around the world to improve results instantly.

About the Author: Christine Harvey is the author of six international marketing and leadership books now published in 25 languages by 48 publishers, including ‘In Pursuit of Profit.’ She was the first woman and first American elected to Chair a London Chamber of Commerce and Industry, and a business start-up initiative launched by Prince Charles. She served as Director on the International Board of Zonta, with 36,000 members in 62 countries, as well as two venture capitol boards – one in the UK and one in the US. She’s been honored to address two Parliaments of the world on the ‘Privatization of Industry,’ and ‘Policy for the Growth of Private Industry.’ She has been interviewed by the media in dozens of countries. Her company trains people in sales, motivation, management and presentations with persuasion - in America, Europe, Australia and Asia. Contact ChristineHarvey@ChrisitneHarvey.com with any questions you might have or ways we can serve you.

Getting a Grip on Both Sales and Marketing - - Profit Pointers=?ISO-8859-1?B?gSAgIA==?=Curriculum, Issue 26

2008-12-29T08:56:00.001-05:00

Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide,
including international best seller ‘In Pursuit of Profit.’

(For application of these principles to: business, real estate, network marketing, personal development, see APPLICATION TIPS below.)

Hi All,

First I want to wish you all the best of holiday joy!!!

Here it is – almost 2009 and time to start thinking of your income goals for next year.

Where better to start than mastering Sales and Marketing? In my 30 years of consulting in this area, with large companies and small, one of the biggest misconceptions is in this area. Directors, managers and business owners alike, misunderstand the difference between Sales and Marketing – thus are unable to get the results they need.

Let’s look at the differences, then see how to approach them for success.

See if you can spot what differences in mentality are needed to do both jobs successfully...

SALES Functions:
1. Presenting to Customers
2. Closing the Sale
3. Getting the Order
4. Controlling the Sales Force if any
5. Giving product development input

MARKETING Functions:
1. Market Research
2. Identifying Customer Groups
3. Generating Leads
4. Advertising, promotion, developing the presentation material & website promotion
5. Giving product development input

When you browse the two lists above, you might notice two distinct differences:

First, the Sales list involves more interaction with the customer, ie more verbal skills, whereas Marketing involves more desk research, design and numeric calculation.

Second, the Sales list requires an ‘Act Now’ approach, whereas the Marketing list requires a longer term strategic approach.

What if you, as the boss, tries to combine both into one job? Are you likely to find one person who has the personality to do both both?

Or if you are doing both, does it help you to break down the job as above.? Perhaps by doing so, you’ll be able to look at the task differently, and send some of it off to a freelancing specialist. Thus you’ll attain much higher success.

APPROACH FOR SUCCESS...

3 MINUTE ACTION TIP: Break down the 2 functions in your mind. If you manage employees, think about their personalities and see where you can shift functions to suit their personalities better. You don’t have to assign tasks strictly as in the lists above. You can ‘mix and match’ to suit the skill set you employ. If you are doing it all yourself, fine. But see where you can hire freelancers in your area of weakness until you can learn those functions. Or do a trade with a business acquaintance who has expertise you need.

All best,
Christine Harvey

APPLICATION TIPS:

Business and sales, Do this to increase your business.

Real estate investment, Do this to improve your results.

Network marketing, Do this to bring in more team members and improve team results.

Personal/ leadership development, Do this to improve your results on any goal.

REFERENCE RESOURCE: Chapter 20, Pages 169-176, In Pursuit of Profit, by Christine Harvey - an international best selling training tool, used by corporations around the world to improve results instantly.

Abundance vs Lack - - Manifest Moments=?ISO-8859-1?B?gQ==?=, Issue 28

2008-12-26T07:52:00.001-05:00

As a Happy Holidays reflection, I’ve selected this thought chosen from a person of our times:

“If you look at what you have in life,
You’ll always have more.
If you look at what you don’t have,
You’ll never have enough.”

Can you guess who the author is? I took the quote from a book of a favorite food, health and spiritual author of mine, Dr Susan Smith Jones... but she was not the author of the actual quote.

The author of the quote is a woman who grew up in very hard times, in fact in abusive surroundings. She is a woman who pulled herself up from nothing, to be famous, successful and prosperous - beyond measure, in her own lifetime. She’s helped others see possibilities for their own lives, by searching for her own answers. She is a woman who influences millions in numerous countries through television and her magazine. Can you imagine who this is? By now you’ve probably guessed... it’s Oprah Winfrey.

If Oprah can come from these humble beginnings to where she is today with a philosophy like this, it’s probably something we should all pay attention to.

Here it is again...

“If you look at what you have in life,
You’ll always have more.
If you look at what you don’t have,
You’ll never have enough.”

3 MINUTE ACTION TIP: I suspect that in 30 seconds or less, you can name 30 things that you are grateful for in terms of family, friends, experiences, accomplishments and possessions. What a great way to start the day after Christmas!

Much love,
Christine

About the Author: Christine Harvey is the author of six international marketing and leadership books now published in 25 languages by 48 publishers, including ‘In Pursuit of Profit.’ She was the first woman and first American elected to Chair a London Chamber of Commerce and Industry, and a business start-up initiative launched by Prince Charles. She served as Director on the International Board of Zonta, with 36,000 members in 62 countries, as well as two venture capitol boards – one in the UK and one in the US. She’s been honored to address two Parliaments of the world on the ‘Privatization of Industry,’ and ‘Policy for the Growth of Private Industry.’ She has been interviewed by the media in dozens of countries. Her company trains people in sales, motivation, management and presentations with persuasion - in America, Europe, Australia and Asia. Contact ChristineHarvey@WomenForWealth.com with any questions you might have or ways we can serve you. And to sign up for the weekly ‘Manifest Moments’© and ‘Profit Pointers’© curriculum, go to WomenforWealth.com

The 3 States of Being © - - Manifest Moments, Issue 27

2008-12-09T11:30:00.001-05:00

Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide, including international best seller ‘In Pursuit of Profit.’

Hi All

Imagine 3 circle across the page. The far right circle is formed with a perforated line – like a dash forming a circle. The middle circle is formed with a solid heavy line. The far left circle is formed with an even heavier line – let’s say it’s 3 times heavier - and has jagged arrows jetting out from it. It’s rather ominous looking.

Those circle represent the 3 states of human consciousness and interaction.

If our mind’s are in the state represented by the right circle – the perforated edge circle, it’s in the state of trust, appreciation, love and acceptance. Our pure thoughts and harmony can be felt by all, as those thoughts pass from us through the perforated edge of our being. We’ll call it the harmony circle.

However when we are in the middle circle state, the one with the thick line around it, no thoughts of love or purity pass out or in. It’s as if we were captured in a hardened capsule, drowning in our own thoughts and malaise. It’s not easy for love or kindness to enter from outside either, because we are caught up in our mind’s spin cycle of thought, pondering and negativity.

The circle on the left – the one with the ominous arrows extending from it, represents our state when we are angry, when we are blaming, when we are upset – and when we are letting our people have a piece of our minds – our off balance minds, to be sure. It’s when our fear or anger is spieling out. It can feel like we are surrounded by an electrified fence, ever giving off negative forms of energy, be it sorrow, rage, despair, anger, and frustration for us to deal with. Nothing good happens here. We’ll call this the self oppression circle.

The middle circle is an interesting one because the mind might use it to transition back and forth between the state of harmony and the state of self oppression. Or it may not – it may skip right over it. For example, we can be in a state of oppression, feeling miserable, when suddenly a best friend walks in unexpectedly. Or perhaps it’s a niece or grandchild you adore. Immediately the mind jumps from the oppression to the harmony state. Later when the child or friend leaves, the mind might go back to the middle state to continue it’s sulking and debating. Basically in that state of limbo, it is trying to decide if it will pull itself out to purity and harmony or go back to oppression.

Here’s the question for us all. What method will you use to pull yourself out of either the 2 disturbing circles and back into the harmony circle on the right? Perhaps you’ll use faith. Or perhaps you’ll use Tony Robbins principle – just look up in the air or change your physical position and your state will change. Or perhaps you’ll use the principles taught in Ho’oponopono that we discussed in a previous Manifest Moment, of saying ‘I love you, thank you etc.’ The important thing is to have a method and use it. But first you must be aware of your state at any given moment.

3 MINUTE ACTION TIP: First notice and recognize what state you’re in. This is necessary in order to change it, should we choose to. Therefore focus today on noticing which of the 3 states you are in and jot them down. At the end of the day, see how many times you were able to notice your states. By doing this, you will be able to choose your states with more and more ease.

Much love,
Christine

About the Author: Christine Harvey is the author of six international marketing and leadership books now published in 25 languages by 48 publishers, including ‘In Pursuit of Profit.’ She was the first woman and first American elected to Chair a London Chamber of Commerce and Industry, and a business start-up initiative launched by Prince Charles. She served as Director on the International Board of Zonta, with 36,000 members in 62 countries, as well as two venture capitol boards – one in the UK and one in the US. She’s been honored to address two Parliaments of the world on the ‘Privatization of Industry,’ and ‘Policy for the Growth of Private Industry.’ She has been interviewed by the media in dozens of countries. Her company trains people in sales, motivation, management and presentations with persuasion - in America, Europe, Australia and Asia. Contact ChristineHarvey@WomenForWealth.com with any questions you might have or ways we can serve you. And to sign up for the weekly ‘Manifest Moments’© and ‘Profit Pointers’© curriculum, go to WomenforWealth.com

30 Days to New Years - - Manifest Moments, Issue 26

2008-12-01T09:00:00.001-05:00

Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide, including international best seller ‘In Pursuit of Profit.’

Hi All,

There are many morals to the story you’ll read below, and one is the feeling of gratitude and satisfaction we get from helping another person in need. However, another is about life – how fragile and short our time is here on earth, even if it is a full lifetime.

Today marks exactly one month before new year’s day, when many people make New Year’s resolutions. I’d like you each to think about yourself over the next month, and ask yourself what you really want for your life. Not materialistically, not the weight loss or the new career, but what do you want for yourself as a human being?

What legacy do you want to leave? How do you want your friends and family and strangers to remember you? What lessons have you learned in life that you could pass on to others? Is there a book you always wanted to write? Is there a skill you always wanted to learn? Is there a joy if life you have been passing by and not sharing with others? Who are those people you want to build or amend relationships with?

Here’s the story. See the 3 MINUTE ACTION TIP at the end...

(Beginning of the Story)
WHY ARE WE HERE, Author Unknown

“When I drove up in my taxi cab at 2:30 a.m. , the building was dark except for a single light in a ground floor window.

Under these circumstances, many taxi drivers would just honk once or twice, wait a minute, and then drive away. But I had seen too many impoverished people who depended on taxis as their only means of transportation. Unless a situation smelled of danger, I always went to the door. This passenger might be someone who needs my assistance, I reasoned to myself..

So I walked to the door and knocked. 'Just a minute', answered a frail, elderly voice. I could hear something being dragged across the floor.

After a long pause, the door opened. A small woman in her 90's stood before me. She was wearing a print dress and a pillbox hat with a veil pinned on it, like somebody out of a 1940s movie. By her side was a small nylon suitcase. The apartment looked as if no one had lived in it for years. All the furniture was covered with sheets. There were no clocks on the walls, no knickknacks or utensils on the counters. In the corner was a cardboard box filled with photos and glassware.

'Would you carry my bag out to the car?' she said. I took the suitcase to the cab, then returned to assist the woman. She took my arm and we walked slowly toward the curb. She kept thanking me for my kindness. 'It's nothing', I told her. 'I just try to treat my passengers the way I would want my mother treated'.

'Oh, you're such a good boy', she said. When we got in the cab, she gave me an address, and then asked, 'Could you drive through downtown?' 'It's not the shortest way,' I answered quickly.

'Oh, I don't mind,' she said. 'I'm in no hurry. I'm on my way to a hospice'.

I looked in the rear-view mirror. Her eyes were glistening. 'I don't have any family left,' she continued. 'The doctor says I don't have very long.' I quietly reached over and shut off the meter. 'What route would you like me to take?' I asked.

For the next two hours, we drove through the city. She showed me the building where she had once worked as an elevator operator. We drove through the neighborhood where she and her husband had lived when they were newlyweds. She had me pull up in front of a furniture warehouse that had once been a ballroom where she had gone dancing as a girl.

Sometimes she'd ask me to slow in front of a particular building or corner and would sit staring into the darkness, saying nothing. As the first hint of sun was creasing the horizon, she suddenly said, 'I'm tired. Let's go now.'

We drove in silence to the address she had given me. It was a low building, like a small convalescent home, with a driveway that passed under a portico. Two orderlies came out to the cab as soon as we pulled up. They were solicitous and intent, watching her every move. They must have been expecting her.

I opened the trunk and took the small suitcase to the door. The woman was already seated in a wheelchair.

'How much do I owe you?' she asked, reaching into her purse. 'Nothing,' I said. 'You have to make a living,' she answered. 'There are other passengers,' I responded.

Almost without thinking, I bent and gave her a hug. She held onto me tightly. 'You gave an old woman a little moment of joy,' she said. 'Thank you.'

I squeezed her hand, and then walked into the dim morning light. Behind me, a door shut.. It was the sound of the closing of a life.

I didn't pick up any more passengers that shift. I drove aimlessly lost in thought. For the rest of that day, I could hardly talk. What if that woman had gotten an angry driver, or one who was impatient to end his shift? What if I had refused to take the run, or had honked once, then driven away? On a quick review, I don't think that I have done anything more important in my life. We're conditioned to think that our lives revolve around great moments. But great moments often catch us unaware-beautifully wrapped in what others may consider a small one. PEOPLE MAY NOT REMEMBER EXACTLY WHAT YOU DID, OR WHAT YOU SAID, ~BUT~THEY WILL ALWAYS REMEMBER HOW YOU MADE THEM FEEL.” (End of story)

3 MINUTE ACTION TIP: Take a few minutes each day between now and New Years to think about your life. What legacy do you want to leave? How do you want your friends and family and strangers to remember you? What plans can you start putting into place now to make that happen?
Much love,
Christine

About the Author: Christine Harvey is the author of six international marketing and leadership books now published in 25 languages by 48 publishers, including ‘In Pursuit of Profit.’ She was the first woman and first American elected to Chair a London Chamber of Commerce and Industry, and a business start-up initiative launched by Prince Charles. She served as Director on the International Board of Zonta, with 36,000 members in 62 countries, as well as two venture capitol boards – one in the UK and one in the US. She’s been honored to address two Parliaments of the world on the ‘Privatization of Industry,’ and ‘Policy for the Growth of Private Industry.’ She has been interviewed by the media in dozens of countries. Her company trains people in sales, motivation, management and presentations with persuasion - in America, Europe, Australia and Asia. Contact ChristineHarvey@WomenForWealth.com with any questions you might have or ways we can serve you. And to sign up for the weekly ‘Manifest Moments’© and ‘Profit Pointers’© curriculum, go to WomenforWealth.com

Six Thanksgiving Relationship Tips - - Manifest Moments, Issue 25

2008-11-26T09:07:00.001-05:00

Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide, including international best seller ‘In Pursuit of Profit.’

Hi All

As we move into our American Thanksgiving weekend, let’s be mindful of relationships and how to empower them. Here’s a list of six actions that will profoundly impact our relationship building when we use them. Let me know how they work for you...

1 Pay real attention
2 Avoid invalidation
3 Let go of the past
4 Give up control of others
5 Make simple direct requests “Will you please ...”
6 Choose love, choose love, choose love.

3 MINUTE ACTION TIP: When you face either a relationship opportunity or a challenge this weekend, use one or more of these 6 tips. See how they make miracles happen.
Much love,
Christine

About the Author: Christine Harvey is the author of six international marketing and leadership books now published in 25 languages by 48 publishers, including ‘In Pursuit of Profit.’ She was the first woman and first American elected to Chair a London Chamber of Commerce and Industry, and a business start-up initiative launched by Prince Charles. She served as Director on the International Board of Zonta, with 36,000 members in 62 countries, as well as two venture capitol boards – one in the UK and one in the US. She’s been honored to address two Parliaments of the world on the ‘Privatization of Industry,’ and ‘Policy for the Growth of Private Industry.’ She has been interviewed by the media in dozens of countries. Her company trains people in sales, motivation, management and presentations with persuasion - in America, Europe, Australia and Asia. Contact ChristineHarvey@ChrisitneHarvey.com with any questions you might have or ways we can serve you.

What=?ISO-8859-1?B?uQ==?=s Right With The World -- Manifest Moments=?ISO-8859-1?B?gQ==?=, Issue 22

2008-10-07T08:29:00.001-05:00

Hi All...

As I listened to the Wall Street Journal Today on the radio this morning, I thought of the book title ‘What’s Right With The World,’ by Dr. Marcus Bach. The radio broadcaster was ‘interpreting’ the reaction of stock markets around the world yesterday as “having no confidence in the US financial bail out bill.” His ‘proof’ was that the London market yesterday saw a 20 year low.

My interpretation on the other hand was this - “Wow, ONLY a 20 year low.” Frankly I thought that to be a phenomenally positive sign considering the state of the US economy! I would have expected the world markets to react much more negatively.

The point is this. The Wall Street Journal Today had a choice on what kind of spin they wanted to put on the reaction of the London market. They chose to look at the pessimistic side. It saddened me because I realized how their words could make things even worse. Had they chosen another way to position it, it could have made things better. But that’s not how the media works.

I remember an incident many years ago when I had my first volunteer job as a PR chairman for a community organization. We did good things for the community. I wrote my first piece and took it to the newspaper editor. She had a good look at it and then told me something that started me at the time - “Christine, you have to say something controversial or no one will read it. Readers don’t want to see good news.”

And that sadly is what most journalists hold to be true. But I ask you to consider this – is it not true that best selling books and movies often feature triumph over adversity? And would it not be true that having ONLY a 20 year low is actually a triumph over adversity considering today’s depressionary environment?

The point is this. Yes, times are challenging right now – I believe the most challenging of our lifetimes. But it’s also important to put a perspective on it that works for you. Maybe it’s time that we do our own ‘interpreting’ of the events that face us, be they financial or political or anything else.

3 MINUTE FOCUS TIP: Stop now and think as you listen to broadcasters. Is their spin your spin? Don’t let their spin send you in directions that are wrong for you. And let others know that too.

With love from Christine Harvey, WomenForWealth.com

About the Author: Christine Harvey is the author of six international marketing and leadership books now published in 25 languages by 48 publishers, including ‘In Pursuit of Profit.’ She was the first woman and first American elected to Chair a London Chamber of Commerce and Industry, and a business start-up initiative launched by Prince Charles. She served as Director on the International Board of Zonta, with 36,000 members in 62 countries, as well as two venture capitol boards – one in the UK and one in the US. She’s been honored to address two Parliaments of the world on the ‘Privatization of Industry,’ and ‘Policy for the Growth of Private Industry.’ She has been interviewed by the media in dozens of countries. Her company trains people in sales, motivation, management and presentations with persuasion - in America, Europe, Australia and Asia. Contact ChristineHarvey@ChrisitneHarvey.com with any questions you might have or ways we can serve you.

------ End of Forwarded Message

The Peak Decision Period - - Profit Pointers=?ISO-8859-1?B?gSAgIA==?=Curriculum, Issue 18

2008-09-04T00:09:00.000-05:00

Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide,
including international best seller ‘In Pursuit of Profit.’

(For application of these principles to: business, real estate, network marketing, personal development, see APPLICATION TIPS below.)

Hello All,

Do you have something you want to sell... or something you want support on from another person or group?

If so, then you’ll want to pay special attention to what I call the ‘Peak Decision Period.’

While this is a very simple concept, it is the one most abused by sales people... And by business owners who want to increase business! Yet if we would adhere to this principle faithfully, we would increase business exponentially.

The same is true in other aspects of life in which we seek the support of an individual or a group.

So here’s what it’s all about – and as I said – it’s SIMPLE.

It’s about 3 things that are interrelated - the attention span, memory and motivation of human beings. The long and the short of it is that these 3 aspects of human nature are interwoven in such a way that their ‘Peak Decision Period’ doesn’t last long.

Here’s the SIMPLE part – if you don’t ask for their decision during the ‘Peak Decision Period,’ you stand to get a ‘NO.’

However, if you do ask for their decision during the ‘Peak Decision Period,’ you stand to get a ‘YES.’

“How long is that period?” you ask. Good question.

Let’s look at the 3 areas. Attention span first. Research shows that the average attention span is under 45 minutes at best. So when you’ve presented your product, service or idea, many of your points were probably not grasped. Now memory – people forget 60% of what they hear in one day. And what they hear is less than what you say. Additionally, what they hear is filtered and interpreted differently than you mean it. Third, motivation. That changes minute by minute. It matters not if it is an individual or a major corporation. One minute they have the budget and a seemingly urgent need for something and the next minute they don’t.

But if you’ve done a good job putting forth the benefits to them of deciding on your product, service, or idea, then you have a chance that they’ll decide in you favor – while their attention span, memory and motivation are high. For most corporate products, services and ideas, the ‘Peak Decision Period,’ the ideal window of closing the sale – is about three days. However, if it’s a spontaneous consumer item, it could be 3 minutes. If it’s a government contract, it could be three years.

Here’s the point – if you snooze, you’ll loose.

Or if you put all your effort into getting a decision after the ‘Peak Decision Period’ is over, you are spinning your wheels needlessly. Or as business executive Peggy Lindsay says, “Some efforts taken at the wrong time - are as useless as trying to push water uphill with a rake!”

‘In Pursuit of Profit,’ talks about the three reasons people don’t take the right action. Mainly it’s fear of asking for a decision. People procrastinate and make excuses for delay. This can be easily overcome with the right training and management structures.

3 MINUTE ACTION TIP: Think about something you want to sell... or some support you want from a person or group. Consider the 3 points of human nature discussed above, and ask yourself “how long is their ‘Peak Decision Period?’” Next, drop your fear, get organized – and simply ask them for their decision IN THAT PERIOD. Thus, you will succeed.

APPLICATION TIPS:

Business and sales, USE THIS ACTION TIP to increase your sales.

Real estate, USE THIS ACTION TIP to increase your sales and all commitments.

Network marketing, USE THIS ACTION TIP increase commitments from prospective team members.

Personal/ leadership development, USE THIS ACTION TIP to improve your results on any goal or support needed from others.

REFERENCE RESOURCE: Chapter 13, Pages 123-128, In Pursuit of Profit, by Christine Harvey - an international best selling training tool, used by corporations around the world to improve results instantly.

About the Author: Christine Harvey was the first woman and first American elected to Chair a London Chamber of Commerce and Industry, where a business start-up initiative was launched with Prince Charles. She also served as Director on the International Board of Zonta, with 36,000 members in 62 countries and Margaret Thatcher as honorary member, as well as two venture capitol boards – one in the UK and one in the US. She is the author of six international marketing and leadership books now published in 25 languages by 48 publishers, including ‘In Pursuit of Profit.’ Her company trains people in sales, motivation, management and presentations with persuasion - in America, Europe, Australia and Asia. She’s been honored to address two Parliaments of the world on the ‘Privatization of Industry,’ and ‘Policy for the Growth of Private Industry.’ She has been interviewed by the media in dozens of countries.

The Action-Tracking System - - Profit Pointers=?ISO-8859-1?B?gSAgIA==?=Curriculum, Issue 17

2008-08-29T09:23:00.000-05:00

The Action-Tracking System - - Profit Pointers™ Curriculum, Issue 17

(For application of these principles to: business, real estate, network marketing, personal development, see APPLICATION TIPS below.)

It always amazes me how little attention we humans pay to sales leads, and yet we moan about wanting new business.

Let me start by asking you a question. How do new customers find our about you? Is it through referral of current customers, or do they come from advertising or both? And what else? And what about network marketing – what are all the ways your new folks are introduced to your network?

However your business comes, I guarantee that you don’t have an air tight system for following it up and turning it into sales. How can I make such an audacious statement? Because I’ve trained thousands of companies large and small, and the story is always the same. Some leads fall through the net, and it’s for a very simple reason. If you conquer this simple reason, you can double and triple your revenue.

Would you like to know the answer? OK, it’s to have an air tight ‘Action-Tracking’ system for your new business leads. By that I mean a way to record the leads, that allows you to take action on every single one. In addition it should allow you to take the right action at the right time.

In my book ‘In Pursuit of Profit,’ I talk about company accounts. Every company has someone looking after the money in and the money out, and it is done meticulously. Yet the leads, if turned to sales, would be just as important to the company as the accounts book. So why I ask, don’t we all have leads books?

And that’s what I call in our business training seminars the ‘Action-Tracking System.’ It’s a book or a spread sheet just like a book of accounts that allows you to record the prospect’s name and the date you should take action, and what the action will be. So you have two critical things listed for every prospect IN ADVANCE of doing it: the date you’ll do it, and what you will do.

Most companies do it as a postmortem, IF they do it at all. They say they have a tracking system because they write down the action AFTER it was taken – this is totally non productive because it does not cause the right thing to happen at the right time. It’s simply a record of what was done, good or bad.

Let’s take an example. You know that your prospect has a short interest span. Let’s look at network marketing again. If the prospect comes to an introductory meeting, they’ll be very excited that evening. They can see themselves succeeding at it. If your action is to talk with them and sign them up, you’re chances are much higher if you meet with them immediately after the meeting. If you wait to call them the next day, many things from everyday life come up to deter them. Their regular job seems overwhelming, the kids have soccer practice, there is no time etc. However the night of the event, their optimism is high and they imagine their ability to do it. That’s what I mean by timing.

The same is true in every business. Whether machinery sales or real estate, if we wait too long to close the sale the prospect can go off to a competitor, or spend their budget on something else.

And so in your lead book, you write the name, the intended action and the intended action date. Then you cross it off when finished, and record the intended follow up until you get a sale or a no sale. The more you take the correct action on the correct day, the better your sales. The less often you take the correct action on the correct day, the lesser your sales.

When I was interviewing top sales people around the world for my book ‘Secrets of the World’s Top Sales Performers,’ they all said the same thing to me. They said, “Christine, anybody can do it.” Most of them were making 500% - 600% of the amount of their colleagues selling the same thing in the same area. What was different about them was their consistency. They all knew exactly what they would do every day, and they did it. Day in and day out. No excuses. No alibis. They had their ‘Action-Tracking System’ and they stuck by it.

3 MINUTE ACTION TIP: To dramatically increase your sales, think of how your customers find out about you. Then create a lead book called your Action-Tracking System, showing what day you should take action and what that action will be. Then implement according to plan. When you do, your revenue will multiply.

APPLICATION TIPS:

Business and sales, USE THIS ACTION TIP to increase sales, and increase management control.

Real estate, USE THIS ACTION TIP with your assistant, team members and yourself to improve results.

Network marketing, USE THIS ACTION TIP with your team members and yourself to improve recruitment by leaps and bounds.

Personal/ leadership development, USE THIS ACTION TIP with all new contacts to improve your results on any goal.

REFERENCE RESOURCE: Chapter 12, Pages 111-122, In Pursuit of Profit, by Christine Harvey - an international best selling training tool, used by corporations around the world to improve results instantly.

About the Author:

Christine Harvey was the first woman and first American elected to Chair a London Chamber of Commerce and Industry, where a business start-up initiative was launched with Prince Charles. She also served as Director on the International Board of Zonta, with 36,000 members in 62 countries and Margaret Thatcher as honorary member, as well as two venture capitol boards – one in the UK and one in the US.

She is the author of six international marketing and leadership books now published in 25 languages by 48 publishers, including ‘In Pursuit of Profit.’

She has been a lecturer at the Institute of Directors in London, and her company has trained over 100,000 people in management in Europe, America, Australia and Asia. She was honored by addressing the Parliament of Czechoslovakia on the subject of Privatization of Industry, and the Parliament of Rwanda on Policy for the Growth of Private Industry, and has been consulted by the media in numerous countries.

The Interface Factor - - Profit Pointers=?ISO-8859-1?B?gSAgICA=?= Curriculum, Issue 16

2008-08-16T03:06:00.001-05:00

Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide, including international best seller ‘In Pursuit of Profit.’

(For application of these principles to: business, real estate, network marketing, personal development, see APPLICATION TIPS below.)

Hi Team -

Just yesterday I called my bank to speak with the President about an important matter. I was told he was golfing for the day. Next I spoke to the VP and was told that the President was not golfing. He was in fact away for a week, starting yesterday. This is what we call Ineffective Interface Between Departments.

What if I had relied on the first information, and set my whole decision process around being able to talk with him on Monday? I would have been an unhappy customer.

Have you ever faced a situation in buying a product or service – upon buying it, the sales person told you one thing and after the fact, the service department told you something different?

If so, what was your reaction to the company? Not good usually.

Yet both parties might have been acting on good faith.

Again we have - Ineffective Interface Between Departments. Perhaps the manufacturing side has discontinued a product and the sales department was never told. Or the delivery department has a backlog, and your promised delivery date slips. It could be caused by conflicting policies between different departments.

But it could be caused by something else – and that’s the way people relate to each other. Yesterday I had the pleasure of hearing about a system called ‘Empathy Styles.’ It talks about how each of us have natural ways of communicating and behaving that fall into 7 basic styles. It shows how we react to people who are like us and how we react to people who are unlike us - and how conflicts and understanding are affected. I was amazed at how well the trainers of this system were able to pick up clues about people’s style by simply observing them - and know instantly how to best relate to them. The application to improving sales, management, hiring and team building is enormous. If you want more information on this, let me know.

In my book, ‘In Pursuit of Profit,’ I tell about how managers solve problems in communication and interface between departments. Some give sales training to their non- sales folks so that they could appreciate the complexities of sales. Others acknowledge the back office people and make them feel part of the sales team. One manager overcame it by holding weekly meetings followed by socials with several departments, and took sales from $150,000 to $15,000,000 over a seven year period.

3 MINUTE ACTION TIP: To dramatically increase your sales, think of ways to create successful interface between departments. Find out what’s needed. Will it be sales training, communication training, acknowledgement – or what? (When you do, your sales could increase 100 fold as in the example above!)

APPLICATION TIPS:

Business and sales, USE THIS ACTION TIP between departments to increase sales, productivity and harmony.

Real estate, USE THIS ACTION TIP with your assistant, team members and yourself to improve results.

Network marketing, USE THIS ACTION TIP with your team members and yourself to improve recruitment by leaps and bounds.

Personal/ leadership development, USE THIS ACTION TIP with all new contacts to improve your image.

REFERENCE RESOURCE: Chapter 11, Pages 103-110, In Pursuit of Profit, by Christine Harvey - an international best selling training tool, used by corporations around the world to improve results instantly.

About the Author:

Christine Harvey was the first woman and first American elected to Chair a London Chamber of Commerce and Industry, where a business start-up initiative was launched with Prince Charles. She also served as Director on the International Board of Zonta, with 36,000 members in 62 countries and Margaret Thatcher as honorary member, as well as two venture capitol boards – one in the UK and one in the US.

She is the author of six international marketing and leadership books now published in 25 languages by 48 publishers, including ‘In Pursuit of Profit.’

She has been a lecturer at the Institute of Directors in London, and her company has trained over 100,000 people in management in Europe, America, Australia and Asia. She was honored by addressing the Parliament of Czechoslovakia on the subject of Privatization of Industry, and the Parliament of Rwanda on Policy for the Growth of Private Industry, and has been consulted by the media in numerous countries.

YOUR Air of Success=?ISO-8859-1?B?rSA=?=Manifest Moments=?ISO-8859-1?B?gQ==?=, Issue 19

2008-08-10T08:42:00.000-05:00

Last week I had the opportunity to participate in a beginners acting class. What I learned gave me serious pause for thought about life, and the results we bring upon ourselves.

The first exercise we did required us to each walk around the room with a high ranking air, then a low rank air. It was impressive to see how quickly everyone was able to assume an air with no coaching at all.

Then 12 people were secretly given card with a number or name, such as king, queen or 1, 2, 3, etc. The lower numbered people were asked to walk as if they were lowest rank in society, and the King/Queen were to walk as if in highest rank. No words were to be used.

The rest of us watched, and were asked to shout out ranks for each person. Then the organizers lined the 12 people up according to what we shouted out. At the end, the organizer went down the line and asked each of the 12 to read out the card given to them a few minutes earlier.

What do you think happened? What percentage right were we as an audience? Remember, the 12 were all non-professional actors. Most had no acting experience.

Well, here’s the answer, and here’s what gave me serious pause for thought about our own lives...

We as the audience were 100% correct about the rank placement!!! “How could that be?” I pondered. My hair almost stood on end.

We know that how we project ourselves has an impact on others, but I never dreamed in a million years that it was THAT strong, or that we had the ability to project it so accurately. Imagine it – if this group of 12 non-professional actors, could instantly project themselves as a certain rank – be it a 2, or 5 or 6 or king - we must be doing this unconsciously every day. We must surely be projecting the rank we feel ourselves every moment of the day.

What impact does this have on our lives?

From this we can conclude that it’s HUGE. How we project ourselves impacts our results on everything – whether we ask for a raise, or ask a new client for business, or anything else in life!!! You name it – however you project yourself has ENORMOUS impact on your results AND more importantly - YOU HAVE THE POWER TO PROJECT YOURSELF ANY WAY YOU DESIRE, as proven by the exercises above!

3 MINUTE FOCUS TIP: Stop now and decide how you want to project yourself. Then step out there and do it. It takes no training at all. We already have it stored in our psyches. Just use it.

The Secret of People Triangle Manifest Moments=?ISO-8859-1?B?gQ==?=, Issue 19

2008-07-31T09:28:00.000-05:00

From Christine Harvey, WomenForWealth.com

Do you want to develop or strengthen a relationship with someone? It could be in business or in your personal life. It could even be a customer, or your child’s teacher. It matters not who – this method works with everything and everyone.

If so, here’s the powerful methodology. In fact, I’ve found it to be SO powerful, that I’ve decided to call it ‘The Secret of People Triangle.’ Here’s how it works.

The 3 sides of the triangle are:

Communication
Feeling Connected
Seeing the world the same

The profound thing about this triangle is this:
As one side goes up, they all go up. However as one side goes down, they all go down.

Now let’s consider that important point. Let’s say that there is someone in your life who is getting on your nerves. Things just don’t seem right at the moment, and you want to restore it to harmony and closeness. It doesn’t matter whether it’s a colleague or a family member.

Using the triangle principle above, all you have to do is to grasp one of the sides and apply it immediately. By having 3 sides, you have 3 choices, ie total flexibility. You can use any one of the 3 sides of the triangle that seems easiest at that particular moment. Remember again - as one side goes up, they all go up.

For example, let’s say that you do something to enhance the ‘feeling of connectedness’ between you and the other person – it could be just a phone call to say hello or to commiserate over a problem at work. ‘Feeling Connected’ is side 2 of the triangle. By attacking side 2, side one and three automatically go up.

And all three together lead to understanding. Understanding can be defined in several ways. Included are feeling known for who you are, feeling known for what you do and feeling acknowledged. Everyone human being in the world responds to that.

Here are some ways I’ve used the triangle successfully over the last two weeks.

First, I’ve had a good friend for several years but recently I’ve not seen her or spoken to her. Before I learned about the triangle, I was feeling a bit awkward about this. I felt we were separated, that too much time had gone by, and I wasn’t sure how to go about re-connecting. The longer I waited, the worse I felt. I wasn’t really giving it much conscious effort, it was just there in the back of my mind nagging at me.

When I learned about the triangle, I knew instantly that all I needed to do was to make us feel connected, and then all three of the sides of the triangle would go up. I knew that a simple phone call would do the trick. So I left her a very warm and friendly voice mail, which lead to a call back and a lunch date.

Second, that small success lead me to think of all the people in my life who I felt disconnected from. Several years ago I used to host parties to stay connected with them all. More recently, although I missed them, it felt like ‘oh, too much trouble.’ I also felt a bit awkward in that they never or rarely reciprocated. However they ALWAYS came when I invited them.

So, I said to myself, why not drop that gibberish in my head and get with the triangle principles? Why not have a spur of the moment party? Nothing fancy – just drinks and appetizers. That was on Tuesday last week. On Wednesday I created the email invitation. I sent it out Thursday for a next night party. Friday night came and my favorite friends came. We had a blast. More people came than had sent RSVP’s. I ran out of food. I had a hard time keeping up with drinks. We had 2 groups who stayed until the wee hours talking – one group in the living room, the other in the kitchen. Towards the end, I just snuggled into the living room sofa talking to a a good friend and fellow real estate investor who I get to see too rarely. There was a real feeling of connection.

Then everyone said goodbye, and started off home. Ten minutes later the phone rang. Odd I thought – a call so late on Friday night. Oh well, maybe someone left something behind. No, it was one of the guests. He called to invite us to his home the following evening! So you can see a positive chain of events caused by applying this triangle principle.

Third, I’ve used the ‘shared vision’ side with my husband on our upcoming trip. By sharing my vision of how I see our time being spent on the trip, I’m using side 2 of the triangle – ‘seeing the world the same.’

Forth, with my business partners I’ve used the concept of the ‘shared vision’ - another way of saying the same thing – with great success. Remember – as one side of the triangle goes up, they all go up. So as the ‘shared vision’ goes up, the feeling of being connected goes up and communication goes up.

3 MINUTE FOCUS TIP: Think now of someone with whom you would like to build a relationship. Will it be a stranger or someone you currently know? Now choose which side of the triangle to apply. Will it be: 1 – Communication, or 2 - Feeling Connected, or 3 - Seeing the world the same? Decide which and carry it out today. The results will amaze you! You never know what chain of reactions you’ll start! Let me know your results.

With love from Christine Harvey
Email ChristineHarvey@WomenForWealth.com

Want to reach a special goal? Maybe something you’ve been putting off? Or maybe something new and exciting – something that glimmers before you? Why not join the next Prosperity Team starting in August for guaranteed results? Yes, we’ll help you GUARANTEE that your results are met with our trademarked processes that have proven results. If your goal is worth $597 to you, jump on board. This may be the last round at this price. A recent competitive analysis shows a $1100 value. To sign up, go to... http://www.womenforwealth.com/htm/EShop/prosperityteams.html

Gratitude to Parents for Your Unique Qualities=?ISO-8859-1?B?rSA=?= Manifest Moments=?ISO-8859-1?B?gQ==?=, Issue 18

2008-07-30T09:25:00.000-05:00

From Christine Harvey, WomenForWealth.com

On our latest Prosperity Team™, one of our members told this story about how she gained her unique skill of seeing the positive side of life in every situation.

That’s a skill that most people LONG TO CULTIVATE, knowing that it will take them to new heights of both success and inner tranquility.

Here’s her story:
“When I was five, my mother signed up for a family paper route. At 5AM every morning, my brother and I would climb into the truck with Mom, then travel along each street, throwing the papers from door to door.”

The important thing for Connie however was what went on in the car as they drove. She remembers each morning fondly, because something happened that influenced her life and her career - AND would prove to last a life time.

This is what it was... “Each morning Mom played a tape of Earn Nightingale. Later I discovered that he was the guru of positive thinking and gratitude.” They probably heard Earl’s classics - things like ‘The Essence of Success,’ and ‘Flames of Hope,’ or ‘Follow Your Interest.’

As a result, Connie has taken on a mind set of positive thinking that has lead her far. It’s lead her to having her own business over the last 12 years. It’s lead her to a successful marriage and spiritual life. It’s lead her to coaching people to improve their sales results, in which she flies all over the world. In fact, she’s has just returned from Trinidad, and is leaving for China soon to extend her market there.

“I attribute my mind set of gratitude and positive thinking to those moments each morning in the car, when my mother had the foresight to play Earl Nightingale tapes - instead of traveling in silence, or letting the kids just play or complain about getting out so early, as kids will often do,” Connie said as she told us of her gratitude to her mother.

Each of us has uniqueness brought about and influenced by our parents. What our yours? It’s important to acknowledge these. When we do, we can build upon them. We can express gratitude for them – to ourselves and yes, why not even to our parents.

This is a subject close to my heart because I lost my father last week rather suddenly. He was living near me independently, and took a trip to see relatives. Three weeks later he died from an infection and heart problems. While I know he’s in good hands and that he had a long life, I still feel sad that I can’t just pick him up and take him places as I used to. Or tease him about his intellect and tell him he could have been a college professor.

In his last moth of life however, I did discover one thing about him - and that was his persistence and determination. Almost each day for 2 weeks, I drove him to an appointment for a treatment. And each day after the appointment, he wanted to stop for ice cream. Some days I wanted to skip the ice cream and get back to what I perceived to be the ‘urgency’ of running my business. But he was relentless in his persistence to stop. One day I said to him, “Well Dad, I never knew before that it was you who I got my persistence from! Thank you.” And I meant it.

If your parents are still here with you, I encourage you to think of what unique skills and talents you got because of them. Then pick up the phone and express that gratitude. You never know, it could be one of the last chances you have.

3 MINUTE FOCUS TIP: Stop now and choose one of your unique talents. Think about how one of your parents might have influenced, encouraged or cultivated that talent. Feel gratitude as Connie did and think of how to express your appreciation. In this way, you can spread the ‘wealth of inspiration’ with others.

With love from ChristineHarvey@WomenForWealth.com,
And ChristineHarvey@ChristineHarvey.com

The Human Factor - - Profit Pointers=?ISO-8859-1?B?gSAgIA==?= Curriculum, Issue 15

2008-07-25T00:03:00.000-05:00

(For application of these principles to: business, real estate, network marketing, personal development, see APPLICATION TIPS below.)

W ant to get better conversion to sales?

Then try this. Consider the human factor - what can you do to show your prospect or client that you really care?

I’ll tell you how we tripled our prospect conversion rate at my company. We simply called the prospect to confirm their appointment and at the same time we said, “We like to have the coffee ready for our guests upon arrival. How do you like yours?”

We were amazed how this touch of personal care increased the number of prospects who actually showed up for our sales appointment AND how it increased our sales conversion.

The fact is that everyone likes to be treated with special care.

Stop now and think of what you can do that’s special for your prospects. What can you do to make them feel important and well cared for? What can you do to give your appointment a special touch?

Remember, 75% of all your potential new business is lost on your customers first point of contact – so use the human factor to reduce that statistic in your business...

3 MINUTE ACTION TIP: To dramatically increase your sales, think of ways to make your prospects feel special before your first meeting. Do something that makes them EAGER to see you!

APPLICATION TIPS:

Business and sales, USE THIS ACTION TIP with customers to convert more prospects to more customers.

Real estate, USE THIS ACTION TIP with your assistant, team members and yourself to improve sales ratios.

Network marketing, USE THIS ACTION TIP with your team members and yourself to improve recruitment and sales.

Personal/ leadership development, USE THIS ACTION TIP with all new contacts to make them eager to meet you.

REFERENCE RESOURCE: Chapter 10, Pages 100-101, In Pursuit of Profit, by Christine Harvey - an international best seller, published in 8 languages and used by corporations and Institutes of Management around the world.

About the Author:

Christine Harvey was the first woman and first American elected to Chair a London Chamber of Commerce and Industry, where a business start-up initiative was launched with Prince Charles. She also served as Director on the International Board of Zonta, with 36,000 members in 62 countries and Margaret Thatcher as honorary member, as well as two venture capitol boards – one in the UK and one in the US.

She is the author of six international marketing and leadership books now published in 25 languages by 48 publishers, including ‘In Pursuit of Profit.’

She has been a lecturer at the Institute of Directors in London, and her company has trained over 100,000 people in management in Europe, America, Australia and Asia. She was honored by addressing the Parliament of Czechoslovakia on the subject of Privatization of Industry, and the Parliament of Rwanda on Policy for the Growth of Private Industry, and has been consulted by the media in numerous countries.

How to Replicate Success=?ISO-8859-1?B?rSA=?=Manifest Moments=?ISO-8859-1?B?gQ==?=, Issue 17

2008-07-16T12:21:00.001-05:00

Last week 15 businesswomen from Rwanda were selected to come to the US to attend a Mini-MBA program including lectures from millionaire businesswomen. My lecture was Thursday night, and because of my affiliation with Rwandans I stayed the entire week to assist them with their MBA program.

The first two businesswomen who addressed them talked about their humble upbringing – no running water or indoor ‘facilities.’ The Rwandan women could really relate to this.

So I thought, ‘How can I say something that they can relate to?’ The thought came to my mind to talk about being a shy child. I titled my talk: ‘From Shy Girl to Influential Leader’ Then I taught them leadership skills, and about how leading organizations can enhance your credibility and business profit. I told them how I got elected Chair of the London Chamber of Commerce - the first woman and first American to do so, and how I was invited to address the Czech Parliament on the subject of privatizing industry. I told them about how I got 6 business books published in 25 languages, and franchised my management training in far corners of the world.

That worked! At least half the women come up to me to say they were shy as a child or are still shy. One women with a very influential position in the community confided in me that she had trouble addressing groups and yet the growth of her customer base depended on it. She worried day and night about how she would overcome this fear so that she could achieve her business goal.

Other people came up to me to share similar fear setbacks, and soon my appointment calendar was full with personal coaching appointments.

For the woman with the public speaking fears, since she needed immediate results, I advised her to assign it to her deputy who was outgoing and unafraid of public speaking to recruit customers while she developed her own skills and confidence. I suggested to her something that she should study those who are at ease – such as her deputy, or presenter on television. She should break those traits down into specific pieces, then mimic those specific traits – one by one - until she is comfortable with them.

For the woman who wanted to increase her clothing store sales, I had her break down her current sales on a monthly basis. She discovered that she had 4 seasons, with vary different sales levels. She was then able to think of extra items she could sell during peak season to increase revenue. She also decided to start a new business during low season!

I told them all about the art teacher I had in night school once who had us draw a sea shell. After we were finished, he asked us to do it again, but this time we were to focus on just one square inch of the sea shell and draw that inch in as much detail as we could. The result was amazing – the amount of detail we captured this time was phenomenal compared to the first time! Why? Because the first time we were viewing it somewhat superficially.

The same is true in business. If we really drill down to the detail – as the woman above did when she broke down her sales to monthly numbers, then you are able to see the detail and develop superior strategies.

The same is true of the woman who wants to master public speaking. By breaking the process down into eye contact, tone of voice etc, the mystery disappears! She can then replicate success – piece by piece, inch by inch!

And so can you!

3 MINUTE FOCUS TIP: The next time you have a fear or mystery in your mind about how to succeed, watch someone who does it well. Divide what they do into specific pieces. Then replicate those specific pieces until you succeed too. Think of your goal now, and decide who or what you will replicate.

Research shows that happiness in life is directly proportional to the speed you are moving toward your goal. We’ve developed a Goal Achievement Team™ process that REALLY works... It’s $597 for 12 weeks and starts July 26th. We have one space left on this team. Want to join us? (Male and Female Members) Go to this link for info: http://www.womenforwealth.com/htm/EShop/prosperityteams.html

Christine Harvey is an international trainer in self development and management development. She’s the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide, including international best seller ‘In Pursuit of Profit.’

Important:Economy Issue 7-11-08: Both Sides Of The Mouth

2008-07-12T07:31:00.001-05:00

For those of you who don’t subscribe to EconomyGuy.com, I wanted you to see this important issue before the weekend. You can subscribe free at EconomyGuy.com

Subject: Issue 7-11-08: Both Sides Of The Mouth

From Tom Harvey - Author
and Cyrus Uible - technical guru.

Stocks crashed today on the bad news coming out of Fannie Mae and Freddie Mac (see analysis below)....
Talking out of both sides of the mouth.....

The stock market was rattled today by the news that Fannie Mae and Freddie Mac were in deep trouble financially. Their share value was off 49% and 46%, respectively, early this morning on the news. (Consider losing half of your stock market investment in an hour's time, and you get a feel of the meltdown going on.) Part of the news was that the government was considering taking over these Government Sector Enterprises (GSE's) as part of a contingency plan.

Paulson then said there would be "no government bailout", and the government would "support them in their current form."

Sen. Dodd, after talking with Paulson and Bernanke, then said there may be federal help for these GSE's.

All in the same day. Sounds like conflicting statements on the surface!!!!!!! My interpretation is that there is PANIC inside the government on this issue. This smells too much like the Bear Stearns weekend, and I would not be surprised to see something BIG happen on Sunday (the same day of the week that Bear Stearns was rescued.)

Well, let's look at the facts, and come up with our own conclusion. Clearly Fannie and Freddie are in trouble financially. Together they hold about $5 Trillion worth of mortgages. That's a VERY BIG NUMBER. Even if a very small percentage of those mortgages were to go bad (and going bad is a reality, not a guess), the loss to the GSE's would be catastrophic. Think bankruptcy for a normal company.

Allowing Freddie and Fannie to go bankrupt is not the decision of the FED or the Treasury. There are BIG political overtones here, and the Congress is the body that would step in and save the day. The Congress set up these GSE's in the first place (and the G in GSE stands for Government), so they aren't about to let them fail in a Presidential election year. The Congress would try to strong arm the FED and/or the Treasury into taking action to save these GSE's.

So, the logical conclusion is that YOU are going to bail out Freddie and Fannie. The FED will probably step in, and use those lousy mortgages as collateral for new loans to these GSE's. That's what they've been doing with the merchant banks, so what's different here??? The FED's preferred tool is the Discount Window. The FED could make a statement that the public won't lose any money because these mortgages will ultimately pay off. When you hear that statement, get scared. It means YOU are really stuck with the bill in the long run. Probably it will not only be YOU, but also your CHILDREN and GRAND CHILDREN.

When it comes time to pay the bill, the FED will simply print more money; and by print more money, I mean increase the M3 measure of currency. Conveniently M3 is no longer being published officially, but other people continue to monitor its growth, and it is currently growing at 16%/year. (Not coincidentally, I believe the real inflation rate for consumers is around 8% to 10% - so you can see the influence of M3 on inflation.) So the M3 growth rate will increase, and inflation will increase with it. One of the unanswered questions is "When will the rest of the world stop buying US Treasuries, and keeping the US Government afloat?"

This is an example of the type of logic and thinking that I want every EconomyGuy reader to be able to do whenever they hear this type of news.

Here are today's numbers:
Dow Jones 30 Industrial - 11229 (up 82 points)
10 Year Treasury Bond - 3.81% (down 0.02%)
Euro - $1.5788
Gold - $942 (up $13)
Oil - $141.65 (up $5.60) - back with a vengeance.
Gasoline - $3.51 (up $0.13)

Don't see obstacles- - Profit Pointers=?ISO-8859-1?B?gSA=?= Curriculum, Issue 17

2008-07-09T06:44:00.000-05:00

I’m in Oklahoma this week, along with other speakers to address 15 business women from Rwanda, with our personal success stories.

The first speaker was a female two star Navy General – one of only 5 in the nation. She was born to poor parents, no running water, no hope of success at school, but nothing stopped her. She was turned down for promotion often in favor of men, but never stopped applying.

The second was a poor girl from Oklahoma, who grew up with no indoor plumbing. Her first business burned down, but she was back up and running within 24 hours. She rose to run an organization of 600,000 business women and was later asked by the US President to head the United States Mint.

The third was a 27 year old multi-millionaire, born to an immigrant mother into a 2 bedroom townhouse filled with 20 immigrants who slept on floors in sleeping bags. Five years ago she came out of the military, started a business involving government contracts. She uses women, minorities, and disabled vets – and in 5 years has gone from a one woman band to 150 employees and a multi-million dollar business.

What do they all have in common?

They don’t stop at obstacles! You may remember a chart I put in my books called overcoming obstacles. Imagine your goal in the distance. Now imagine some boxes stacked up between you and the goal. Those boxes represent obstacles. The achievement of almost every goal in life will encounter obstacles. Your job is simply this - to decide how you will overcome it.

You have these three simple choices:

1. Will go over the obstacle?
2. Will go under the obstacle?
3. Will go through the obstacle?

It’s that easy!

Remember, profit comes from overcoming obstacles. If we want profit, it’s our job to make sure we let ourselves be blocked by obstacles.

3 MINUTE ACTION TIP: Think about everyone in your next major goal. What roadblocks might pop up? Will you go under it? Over it? Through it?

APPLICATION TIPS:

Business and sales, USE THIS ACTION TIP with all team members or employees to increase sales and bring profit to your organization.

Real estate investment, USE THIS ACTION TIP with your assistant, team members and yourself to improve results.

Network marketing, USE THIS ACTION TIP with your team members and yourself to improve results.

Personal/ leadership development, USE THIS ACTION TIP to make sure you are not blocked.

REFERENCE RESOURCE: In Pursuit of Profit, by Christine Harvey - an international best seller, published in 8 languages and used by corporations and Institutes of Management around the world.

PS New Goal Achievement Teams™ for high achievers are starting now. Find out HOW YOU CAN BENEFIT...
Go to this link: http://www.womenforwealth.com/htm/EShop/prosperityteams.html

LOVE=?ISO-8859-1?B?rSA=?=Manifest Moments=?ISO-8859-1?B?gQ==?=, Issue 16

2008-07-05T08:55:00.001-05:00

From Christine Harvey, WomenForWealth.com

Hi Team -
Sue, Jamie, Lori Anne, Alice, Deborah, Heiderose, Rebecca, Noelle, Ann, Lloyd, Johanna, Cecelia, Madeleine, Kate (France), Karen, Louise, Theresa (South Africa), Leigh, Karen, Rose, Connie, Amanda Jane, Vickie, Laura, Jamie, Monika, Stacey, Liz, Flo, Viva, Trish, Noelle, Laurie, Darrin, Hilde, Tom, Tommy, and Walter (England).

Young Frank was only a teenager when this happened to him... However the event impacted his entire future, in fact his whole life – the way he’s related to his own wife and his children over the years – the way he’s appreciated every day of his life since that moment some 60 years ago when it happened.

As I heard Frank retell this story with the passion he felt, it made me feel I was there too. It’s impacted me, and I think it will you too.

Here’s Franks true story:

“Some friends and I wanted to make some extra money one summer in Iowa when we were teenagers, and so we went to old farmer John and asked to help with his hay. He hired us but insisted on driving the machinery himself, and leading the efforts in the barn. He was working hard, keeping up with us young lads.

“He even went up on the ladder and has heaving some hay up when suddenly he clutched his heart and fell to the ground below.

“We ran to the barn door and shouted to his wife to call an ambulance. When she heard our shout, she practically flew out to the bard. She hadn’t stopped to call the ambulance.

“When saw her husband lying on the ground and shouted to him, ‘JOHNNY – WAIT FOR ME!’ What happened next shocked us all. We remember it as if it was yesterday. What she did next was to threw herself to the ground next to him, hold his hand and close her eyes.

“Within two minutes they were both dead,” said Frank. “Farmer John died with a look of total peace on his face, and she with a tranquil slight smile.

“Later, an autopsy showed that farmer John died of a heart attack, but his wife’s cause was listed as unknown.”

Can you image the impact of that event on the life of a teenager? Let’s learn through Frank’s experience. I’ve actually heard of lifetime spouses dying within weeks or days of one another, but this is the first time I’ve heard of such an instantaneous event. May each of us reflect on the power of love.

With love from ChristineHarvey@WomenForWealth.com

Criticism is Poisonous Without an Appointment=?ISO-8859-1?B?rSAg?= Manifest Moments=?ISO-8859-1?B?gQ==?=, Issue 15

2008-06-30T13:13:00.001-05:00

From Christine Harvey, WomenForWealth.com

Hi All
F or some reason I keep picking up a book from my bedside table called ‘Your Road to Lifelong Happiness’ by Ken Keyes, Jr. Have any of you read his work? Here’s something I really like – perhaps we can all try it.

Under ‘Criticism is Poisonous Without an Appointment,’ he says this...

If you want to bring the miracle of unconditional love into your marriage (or any relationship) it is essential to give your new brain absolute instructions NEVER to criticize, judge, or attack your partner – unless you make an appointment first.

This intelligent strategy (of making an appointment first,) eliminates the unexpected attack that your lover’s unconscious mind will program as: “This is dangerous.”

Unfortunately, criticism is a frequent behavior in most marriages, he says. People criticize to make another person feel afraid, guilty or ashamed. Through these painful emotions we are trying to control the other – to make them do what we want.

All criticism is an attack. When our partners defend themselves, their defense will be an attack back. So defense is also an attack. Keyes goes on to say that the Department of Defense in DC, used to be called the ‘War Department.’ And so a defense is an attack. To the subconscious mind, “defense,” “counterattack,” or “getting even” is a declaration of war.

For the best way to handle a concern, he refers to a process advocated by Dr. Hendrix, called The Couple’s Dialogue. This process allows your old brain to blow off steam.

It works like this:

You start by making an appointment.
Then you fully express your discontent.
The partner repeats it back, and asks if what he heard is correct.
You repeat that until all is on the table.
Then your partner tries to identify your emotion ie fear, anger, frustration, resentment, hatred, jealously, etc.
Then it’s your partner’s turn to be heard with you paraphrasing back, validating and empathizing (naming your emotions.)
You keep taking turns until a win-win emerges.

It works wonderfully, he say, to reconcile both the inner child and the inner adult.

It goes on to say, “Most of the time we only marginally listen to each other.” In this process we must fully listen in order to repeat back.

In this process, notice that neither partner necessarily agrees or disagrees. Without using this process, your mate will feel not heard, and will continue to repeat the same thing over and over – and you’ll get ‘fed up’ fast.

So let’s try it and see!

3 MINUTE FOCUS TIP: The next time you have an irritation, make an appointment and try the above process. Then write and tell me how it worked. I’ll change the names to protect the innocent if I print it!

With love from ChristineHarvey@WomenForWealth.com
Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide, including international best seller ‘In Pursuit of Profit.’
Want more results faster? Then sign up now to join a Prosperity Team™... The next group is already filling up! Don’t be left out - join our Prosperity Team™ for high achievers and see how your goals can be transformed overnight. Go to this link for info: http://www.womenforwealth.com/htm/EShop/prosperityteams.html

------ End of Forwarded Message

Profit Depends on Sales, Profit Pointers Curriculum, Issue 16

2008-06-18T08:05:00.001-05:00

It was over 100 years ago that Robert Lewis Stevenson said, “Everyone lives by selling something.”

Unfortunately, many people don’t value the importance of sales in their companies. They are so involved in other departments - they don’t realize that their job depends on the product being sold!

A company can have the best engineered product in the world, but if there is no sales team to sell it well, the company will go bankrupt, and along with it, jobs disappear.

It’s up to us as business owners and managers to bring this to everyone’s attention. In fact, sales training for non-sales employees is becoming a popular solution. Whether by reading or formal training, it helps the interface between departments and pushes profits up.

If this enlightenment doesn’t happen, results can be disastrous. As one observer pointed out about her company, “Much to my amazement, the service department had no idea how hard sales were to achieve. In fact, they often treated sales indifferently. They paid little attention to delivery schedules, and didn’t realize how easily they could lose sales.”

So it comes back to what Robert Lewis Stevenson said – Everyone lives by selling something – they just need to be enlightened about that truism

Remember, profit comes from everyone understanding and supporting the sales process. If we want profit, it’s our job to make sure that happens with employees and support people across the board.

3 MINUTE ACTION TIP: Think about everyone in your team. Do they understand and support the sales process? If so, to what extent. Stop now and think of ways their sales acumen can be improved, be it training or reading or accompanying you or sales personnel in the field.

APPLICATION TIPS:

Business and sales, USE THIS ACTION TIP with all team members or employees to increase sales and bring profit to your organization.

Real estate investment, USE THIS ACTION TIP with your assistant, team members and yourself to improve sales and profit.

Network marketing, USE THIS ACTION TIP with your team members and yourself to improve recruitment and sales.

Personal/ leadership development, USE THIS ACTION TIP to make sure you value the sales process and devote time to improving your own skills.

REFERENCE RESOURCE: Chapter 11, Pages 103-109, In Pursuit of Profit, by Christine Harvey - an international best seller, published in 8 languages and used by corporations and Institutes of Management around the world.

Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide,
including international best seller ‘In Pursuit of Profit.’

Why not forward this to another person who can benefit – you’ll be helping them AND the economy at the same time.
PS New Goal Achievement Teams™ for high achievers are starting now. Find out HOW YOU CAN BENEFIT...
Go to this link: http://www.womenforwealth.com/htm/EShop/prosperityteams.html

------ End of Forwarded Message

Support is Life Changing=?ISO-8859-1?B?rSA=?=Manifest Moments=?ISO-8859-1?B?gQ==?=, Issue 14

2008-06-13T11:45:00.000-05:00

Support is Life Changing– Manifest Moments™, Issue 14
From Christine Harvey, WomenForWealth.com

W ho is supporting your success?

I’ll tell you an interesting story.

Ever since the day I left my chairmanship position of the London Chamber of Commerce, I’ve been able to sign my name as Past Chair, London Chamber of Commerce. This one facet of my life has been an incredible credibility builder and door opener wherever I have gone. Stick with me here – I’m going to help you reflect on your life in a minute.

In fact on a group tour of investors to South America, where we were destined to meet with heads of state, the group leader always started the introductions with me and my title first, before introducing the mega-mega-multimillionaires present.

In any case, I came close at one point to NOT having the honor and privilege of that Chairmanship. I cringe when I think how close I came to missing that opportunity for experience, professional growth, connections and credibility.

Here’s how I almost missed it... One day the Chairman before me called to see if I was willing to run as the next Chairman. And here’s what I initially said – “NO.”

The reason I said no, was that I told myself I was too busy with my new business in London. I told myself that I didn’t want to get side-tracked.

Shortly after that I was telling one of my protégés – a young woman who had won first place in a competition I sponsored, call ‘The Most Promising Young Businesswoman Award.’ Her name is Sue. In any case, Sue said to me - “Christine, no way are you turning down that opportunity!” She went on to say, “You’re ALWAYS preaching to us (meaning herself and the other award recipients) that we should step up to the leaderships plate. Now you go back and say YES you’ll run!”

And so I did. Her words were the turning point in my life.

My point is this– who are your supporters? Who have you put in place to look out for your interests even when you have forgotten them? Even when you lose perspective on your own life!

Think about this and think about your own life. Why did I first say no? Was I really that busy – maybe. Or was it fear? I knew I’d have to stand in front of hundreds of people, I’d have to welcome officials and heads of state from around the world. Could it be that I was deluding myself – and saying ‘I’m too busy,’ was as easy out?

This is an all to human act which holds us back from reaching our full potential. What opportunities have you turned down? What opportunities stare you in the face right now? What opportunities are you waiting to create right now?

Coming back to my point – if you have a support base, they will help you stand up to your potential, as Sue did for me. They will help you see and act on opportunities. In those days, I created that support base by starting an award program for young women. What can you do now to create yours? (Over the years I’ve realized that not everyone has the time or know-how to do that, so I’ve created Prosperity Teams™ so that everyone can have a support base. Not only that, we have a life changing know-how path that goes with it. I’m honored to say that results people have been getting are truly inspiring.)

3 MINUTE FOCUS TIP: Think about your support base. Do you have one? If not, do you want to join ours? Or do you want to create one of your own? Either way, do it now. It can be the turning point of your life.
Please feel free to call me if you want to discuss it – 520-991-4044
or go to http://www.womenforwealth.com/htm/EShop/prosperityteams.html

Having it All Sales Skills Are Life Skills- - Profit Pointers=?ISO-8859-1?B?gSA=?=Curriculum, Issue 15

2008-06-10T12:57:00.001-05:00

Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide, including international best seller ‘In Pursuit of Profit.’

(For application of these principles to: business, real estate, network marketing, personal development, see APPLICATION TIPS below.)

Hello all,

As I sit looking out my window in Hawaii at the palms and sea, I’m reflecting on something very close to my heart – personal success.

Time after time in life I’ve watched intelligent, hard working people, fail and falter because they did not have sales skills. And I don’t mean just in sales situations. I mean in everyday life.

Take the example of getting commitments. Maybe you have a tenant, Joe, who is late in making his rent payment and promises to pay. Or a boss or employee, Mary, who promises you something. If you have had sales training, you KNOW that you must ask ‘WHEN’ this promise will be delivered in order to nail down the commitment.

It might sound like this...” Joe, I hear you say you’ll be able to pay a half month. WHEN will that payment be coming? Tuesday, OK. What time Tuesday will you be here?” If Joe objects, you know you have not ‘sold’ the concept that he needs to pay. So you start over... “Joe, if you’re not sure what time you’ll be here, then I assume it’s not a commitment. Joe, I’ll have to start the eviction process now today unless you can commit to a time to come on Tuesday.”

If you don’t understand sales procedures, you’ll not ask for commitment, Joe won’t come Tuesday and you’ll be in agony, resentment and needing to start your eviction process much later then necessary.

And what about the boss or colleague who promises you a report. Maybe it affects your bottom line or your mental well being. Mary has good intentions when she promises you that report but she gets overwhelmed with other pressing problems and your issue falls to the bottom of her list.

Why? Because she has no commitment to deliver by a certain date. If you had had sales training, you would have handled it like this when she made the promise... ”Thanks Mary. That report is really important because it affects how we will move forward on this deal. Just so I can tell the others - and so we can put together our time line - when will you be able to send that over to me? Tuesday? Great. I’ll schedule everything around Tuesday then.”

Do you see the difference? You’ve put the person’s reputation on the line AND you’ve made them see why it’s important. Now instead of it being just another annoying task, it jumps to the top of their priority pile.

So what does this have to do with Hawaii? Just this one simple thing... If I had not had sales training, I would NOT own this condo now... This condo in FRONT of the Trump Tower. Yes, as my good friend James quips ‘Christine, you’ve out trumped Trump.’ Without sales training I would not have traveled the world, started several businesses that have impacted thousands or have addressed several Parliaments. No, I would still be sitting at home wondering why I had not achieved my potential.

I’m sharing this with you because I firmly believe that we must share what we know with each other in order to achieve our dreams in life. One of my dreams has been to own a beachfront second home in the famous stretch of Waikiki. I achieved it because I’ve had a life of practice in negotiation and goal setting thanks to my career in sales and business. And I would not have exceeded in business without my grounding in sales.

So if you feel blocked, start reading and studying sales. It’s not about selling. It’s about life.

Remember, sales skills are life skills. To increase get commitment and success in life, learn sales skills...

3 MINUTE ACTION TIP: To dramatically increase your results in life, do two things. Pick up a good sales book and enroll in a sales course. Then use sales skills in every facet of life including getting commitments.

APPLICATION TIPS: USE THIS ACTION TIP with customers to impact your dreams and make them come true.

REFERENCE RESOURCE: Chapter 11, Pages 103-105, In Pursuit of Profit, by Christine Harvey - an international best seller, published in 8 languages and used by corporations and Institutes of Management around the world.

Hurry - June Prosperity Teams™ are starting - register now Don’t be left out - join our Prosperity Team™ for high achievers and see how your dreams and goals can be transformed overnight. Go to this link: http://www.womenforwealth.com/htm/EShop/prosperityteams.html

Inspiration or Memories Replaying=?ISO-8859-1?B?rSA=?=Manifest Moments=?ISO-8859-1?B?gQ==?=, Issue 13

2008-06-02T10:40:00.001-05:00

W hen you think of upsets in life, do you ever stop to wonder about the real cause?

Perhaps you remember Joe Vitale, from the hit DVD about manifesting called The Secret. I saw a book Joe wrote called Zero Limits on Amazon a few months ago and ordered it. That was my first introduction to the ancient Hawaiian healing system called Ho’oponopono.

After reading about it, I discovered that Ho’oponopono was practiced by a business coach I know who coaches many multimillionaires. That made me even more interested. I was also intrigued to learn that after studying the principles and meeting the Guru of Ho’oponopono, Joe Vitale refined some of the principles he professed in The Secret.

In fact, I’m so taken with this that Tom and I have decided to attend a weekend seminar lead by the Guru of Ho’oponopono in Kona Hawaii. I thought you might be interested too. So if any of you want to do it too, jump on the website of Ho’oponopono and register. Delta airlines has direct flights to Kona or you can go into Honolulu, and catch a commuter flight from there. I booked ours for 52,500 mileage award points on the Delta website in one fell swoop and transferred AmEx points to cover it. Yes, it’s late notice – the dates are June 14th and 15th - but I know some of you are go getters! I just finalized our flights this weekend.

Here are some of the gems I’ve gathered from reading the book and the Ho’oponopono website... (my comments in brackets)

Problem solving is part of the purpose of existence. (Wouldn’t it be great to look at every problem we encounter as an opportunity to use our brain in the right way! And NOT let it stress us!)

Existence is a gift from Devine Intelligence. And the gift is given for the sole purpose of reestablishing Self Identity through problem solving. (Wow, so now we see another benefit of problem solving – that of reestablishing our self identity. That’s powerful!)

Self Identity operates by inspiration and memory. Only one of them – either memory OR inspiration, can be in command of the Subconscious Mind at any given moment. ...usually memory is the thorn and inspiration the rose. (That thorn seems about right when we reflect on how we feel in the midst of upsets. I wonder if we can let go of memories replaying long enough to let inspiration in!)

“I am the consumer of all my woes.” John Clare, Poet (I love this one. So true. Our woes are so perfect for us - and no one else - that we must create them ourselves!)

The Conscious mind can initiate the Ho’oponopono process to release memories or it can engage them with blame or thinking. Thinking and blame are memories replaying.

To be Self Identity requires incessant cleansing of memories.

Consciousness working alone is ignorant of Devine Intelligence’s most precious gift: Self Identity. As such, it is ignorant of what a problem is.

This ignorance results in ineffectual solving problem... (and) needless grief.

The Conscious Mind needs to be awakened to the gift of Self Identity, “...wealth beyond all understanding.”

Who is in charge... Inspiration or memories replaying? The choice is in the hands of the Conscious Mind. (Great food for thought. Hope some of you can join us in Kona on this journey.)

3 MINUTE FOCUS TIP: The next time you have an upset, decide if you are replaying memories OR if you are giving the mind space for inspiration to come in.

With love from ChristineHarvey@WomenForWealth.com
Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide, including international best seller ‘In Pursuit of Profit.’
Want more results faster? Then sign up now to join a Prosperity Team™... The next group is already filling up! Don’t be left out - join our Prosperity Team™ for high achievers and see how your goals can be transformed overnight. Go to this link for info: http://www.womenforwealth.com/htm/EShop/prosperityteams.html

------ End of Forwarded Message

Stop Losing Business - - Profit Pointers=?ISO-8859-1?B?gSAg?= Curriculum, Issue 14

2008-05-27T18:50:00.000-05:00

Stop Losing Business- - Profit Pointers™ Curriculum, Issue 14
Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide, including international best seller ‘In Pursuit of Profit.’

(For application of these principles to: business, real estate, network marketing, personal development, see APPLICATION TIPS below.)

Hello all,

I learned an amazing profit pointer while running my business in London.

A worldwide study shows that 75% of all potential new business is lost at ONE CERTAIN POINT in the customers contact with our businesses. Can you guess at which point this is?

Think about your business for a moment. Which points of contact do you think are most likely to lose a potential customer?

Well, here’s the answer – it’s the FIRST point of contact. Yes, that’s where 75% of potential new business is lost – never to be recovered again!

That’s a finding that can make you enormous profit!!! Think how much you have to gain from knowing that. Once you look at your own business and determine the most likely points of first contact, you can set about making sure that you plug that gap.

If you have employees, you can make them realize that without customers, there is no business, and therefore no paycheck.

If you run a consultancy, a small business or a network marketing business, you can be super sensitive to first contacts and treat every step like gold.

If you want to stop losing business needlessly, you need to look under every stone. List all the first contacts – those by phone, in person, with who – you or someone else. Then be creative and persistent in the way you change those first contact points to be more effective. When you do this, miracles will happen in your business! Customers will increase, profits will increase and business will prosper.

Remember, 75% of all your potential new business is lost on your customers first point of contact – plug that gap now...

3 MINUTE ACTION TIP: To dramatically increase your business, make a list of all possible first contact points that your prospective customers have with you and your company. Next make a list of all possible ways business can be lost at those points. Then be inventive about changing them.

APPLICATION TIPS:

Business and sales, USE THIS ACTION TIP with customers to close more sales – ie increase profit.

Real estate, USE THIS ACTION TIP with your assistant, team members and yourself to improve buying and selling.

Network marketing, USE THIS ACTION TIP with your team members and yourself to improve recruitment and sales.

Personal/ leadership development, USE THIS ACTION TIP with all communication to improve your end results.

REFERENCE RESOURCE: Chapter 10, Pages 93-95, In Pursuit of Profit, by Christine Harvey - an international best seller, published in 8 languages and used by corporations and Institutes of Management around the world.

Hurry - June Prosperity Teams™ are starting - register now Don’t be left out - join our Prosperity Team™ for high achievers and see how your goals can be transformed overnight. Go to this link: http://www.womenforwealth.com/htm/EShop/prosperityteams.html

Love or Fear=?ISO-8859-1?B?rSA=?=Manifest Moments=?ISO-8859-1?B?gQ==?=, Issue 12

2008-05-23T08:46:00.001-05:00

From Christine Harvey, WomenForWealth.com

I had a call from a member this week...

She told me that she’s had some rough times over the past few months and that these member emails have pulled her through. It’s vital to feel connected.

It’s also important to remember that all human beings have ups and downs. How we deal with the down moments in life probably has more to do with our quality of life than how we deal with the up moments!

Here are some essential manifest points about life....

1. Life is... a series of choices. Choices come from only two sources – love or fear.

2. Freedom comes... when we take 100% responsibility for our choices.

3. Insight comes... when we acknowledge that what shows up in our life is exactly what we wanted – it was a choice. Was it from love or fear?

4. Feelings in the body come... like a pit in your stomach, or any place in your body, as a sign that things are not right.

Stop what you are doing and figure it out. We all have underlying issues which cause us to react in certain ways to certain things. If you can stop a pattern to your reactions, probably it came from fear. Examples might be ‘fear of being taken advantage of,’ or ‘fear of being unlovable’ or ‘fear of failure.’ The list is endless, but each person has their ‘favorites!’

Spotting what they are can help you chose love in dealing with it next time – AND get a different result. As Tony Robbins says, “doing things the same way will get the same result. If we want different results, we have to do things differently.”

5. The mind was made... to do problem solving. The next time you have a problem, use gratitude. Say “Fantastic – go at it mind – see what you discover!” Or, “Great, let’s see what God and the universe has to deliver.” The minute you change to gratitude, options flow in – amazing and true. Gratitude is a subset of love.

6. The ‘Six Essential Experiences’... that most humans need, are:

... Feeling Seen and Acknowledged
... Feeling That You are Okay
... Feeling Able to Create Effects
... Feeling Safe
... Feeling Loved
... Feeling That You Belong

3 MINUTE FOCUS TIP: The next time you have that uneasy feeling in your stomach, stop. Look at the Six Essential Experiences. See if you are letting fear stand between you and your ability to manifest the 6 essential experiences! If so, CHANGE IT. It’s that easy. Come from love with your choices, minute by minute.

From ChristineHarvey@WomenForWealth.com
Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide, including international best seller ‘In Pursuit of Profit.’
Sign up quick to join a Prosperity Team™... The June Co-Ed group is already filling up! Don’t be left out - join our Prosperity Team™ for high achievers and see how your goals can be transformed overnight. Go to this link for info: http://www.womenforwealth.com/htm/EShop/prosperityteams.html

Profit From Objections - - Profit Pointers=?ISO-8859-1?B?gSA=?= Curriculum, Issue 13

2008-05-19T06:01:00.000-05:00

Profit From Objections- - Profit Pointers™ Curriculum, Issue 13

From Christine Harvey (For application of these principles to: business, real estate, network marketing, personal development, see APPLICATION TIPS below.)

Hello all,

Most people in the business world, in fact in life, want others to do something from time to time.

Perhaps it’s to buy something, to do something, or to decide something. But they come up against protest.

How they handle the protest – the very words they use next - will determine their results. This is what we call, ‘The Cushioning Segment of handling the objection.’

It’s the psychological piece that comes between the objection and your explanation.

Let’s look at what NOT to do.

Most folks dive in and start defending their case. And, because of that, most folks fail to win the other person over.

Why? Because if we are to convince anyone of anything, be it a customer or in a personal relationship, we must first convince them that we hear their objection.

But it goes farther then ‘hearing.’ We must convince them that we feel and understand their objection. Without this, our explanation falls of deaf ears. It’s as if the other person has a suit of armor on. Our words don’t penetrate their armor – they just bounce off.

Let’s say they express their objection. The person who says, ‘I hear you John but ... And then goes on to present the counter, will NOT win. Why? Because the customer does not feel heard or understood.

Let’s look at what DOES WORK: If you are selling the product or idea and say, “John, I know what you mean. That’s a serious concern. After all if that’s not handled, there can be serious repercussions. XYZ could go wrong. Then you would be in a really mess. I totally understand.”

Then you take a deep breath while the customer (or personal relationship) gets the message that you understand. It’s what we call the Cushion or Empathy Segment of countering an objection.

Now, and only now, are you ready to explain your side of the case. And so you counter their objection as you normally would, with a rock solid explanation of your idea or service and all the benefits to them that you can muster.

And finally you close it off by asking if their objection is satisfied. If not, you repeat the 3 part cycle – here it is in a nutshell:

The 3 Step Formula for Turning Objections into Approvals:

The Cushioning/Empathetic Segment
The Explanatory Segment
The Close-Off Segment

Remember, profit comes from overcoming objections. Results come NOT from your explanation or counter argument. Rather, success lies in your ability to convince the other person that you hear and understand their objection, BEFORE you present your explanation.

3 MINUTE ACTION TIP: Today as you present your ideas in your business and life - STOP when you hear objections from your listener. Don’t leap into your counter argument! Instead pause and empathize – even repeat their concern. In this way, you’ll prove that you’ve heard and understand their objection. Only then will your explanation be heard, and only then will you win the business or win your case.

APPLICATION TIPS:

Business and sales, USE THIS ACTION TIP with customers to close more sales – ie increase profit.

Real estate, USE THIS ACTION TIP with your assistant, team members and yourself to improve closing ratios in buying and selling.

Network marketing, USE THIS ACTION TIP with your team members and yourself to improve recruitment and sales.

Personal/ leadership development, USE THIS ACTION TIP with all communication to improve your end results.

REFERENCE RESOURCE: Chapter 9, Pages 85-89, In Pursuit of Profit, by Christine Harvey - an international best seller, published in 8 languages and used by corporations and Institutes of Management around the world.

Have you heard how Prosperity Partners™ achieve together? Don’t be left out - join our Prosperity Team™ for high achievers and see how your goals can be transformed overnight. The new team will be starting next month! Go to this link for info: http://www.womenforwealth.com/htm/EShop/prosperityteams.html

Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide,
including international best seller ‘In Pursuit of Profit.’

Why not forward this to another person who can benefit – you’ll be helping them AND the economy at the same time.

From ChristineHarvey@ChristineHarvey.com

Why We Should LOVE OBJECTIONS - in life and business- - Profit Pointers=?ISO-8859-1?B?gSA=?=Curriculum, Issue 12

2008-05-12T09:18:00.000-05:00

Why We Should Love Objections - in life and business- - Profit Pointers™ Curriculum, Issue 12

From Christine Harvey (For application of these principles to: business, real estate, network marketing, personal development, see APPLICATION TIPS below.)

Hello all,

Most people dread objections rather than welcoming them. If you learn to love them, your results will skyrocket.

Here are some typical situations in which objections surface...

Your client or employee or colleague is too busy to act now.
Your customer has no money to buy.
Your spouse disagrees with you idea.
Your members won’t participate.
Your boss won’t give you a raise.

It’s easy to become masterful at overcoming objections, but first you need to recognize them for what they are.

Just put your detective hat on, and realize that objections can take 3 forms:
    Questions,
    Statements, or
    Non-verbal actions of uneasiness.

Step one is to watch for the objection... As you speak about your idea, watch for these three to come up. Then say to yourself, “Oh, here’s an objection – now I’ll go to step two.”

Step two is to uncover the reason for the objection. Often the objection arises in the mind of your listener, at no fault of yours. It may be a misconception, or a previous misinterpretation, or a preconceived idea. If you fail to uncover the objection, your listener will leave without taking the desired action, no matter what he or she says when you are together. You’ll know this is true when your customer cancels the order, or your member doesn’t show up or your spouse does something other than agreed!

A good way to uncover the objection is as follows...

If they ask a question, ask them “Why do you ask?” This will help them to go deeper and reveal their true fear or misconception. They might say, “Well I can’t afford downtime of the machine,” or “Well, my daughter goes to lessons at the time of the meeting.”

If they make a statement, it might sound like this: “I suppose you don’t work weekends.” Just interpret that as a question, and say, “Why do you ask?” Let’s assume you are in the service industry. Perhaps they are trying to say that they would like your mobile phone number, and perhaps your sale hinges on that. Wouldn’t you like to know that!

if they make signs of non-verbal objections - wiggling in their chair, or making an uncertain face, or pausing to look at something you are showing. Now you need to ask a question that opens up a conversation, and reveals hidden fear, doubt or misconception, such as. “What issues are you thinking about?” You’ll be amazed at what you discover that can lead you to profit or loss.

Remember that an objection lingers like smoke - if not cleared.
Our goal is to clear objections so that we can explain our benefits and get a favorable decision. And profit!

3 MINUTE ACTION TIP: Today as you present an idea in your business, job or life, look for the 3 signs of objections in your listener. When you see or hear one say, “Why do you ask?” After you uncover the hidden fear or concern, move on to explain your benefits, and a favorable commitment. Try it and then bask in your results!!!

APPLICATION TIPS:

Business and sales, USE THIS ACTION TIP with customers to increase sales and bring profit to your organization.

Real estate, USE THIS ACTION TIP with your assistant, team members and yourself to improve sales and profit.

Network marketing, USE THIS ACTION TIP with your team members and yourself to improve recruitment and skills training.

Personal/ leadership development, USE THIS ACTION TIP with all communication to improve your results.

REFERENCE RESOURCE: Chapter 8, Pages 79-83, In Pursuit of Profit, by Christine Harvey - an international best seller, published in 8 languages and used by corporations and Institutes of Management around the world.

Applying the Ancient Hawaiian Ho=?ISO-8859-1?B?uQ==?=oponopono Manifest Moments=?ISO-8859-1?B?gQ==?=, Issue 10

2008-05-08T06:30:00.000-05:00

Applying the Ancient Hawaiian Ho’oponopono – Manifest Moments™, Issue 10
From Christine Harvey, WomenForWealth.com

Hi Team -

I ‘ve been dying to share this with you since I received it from Liz! How often have we all been in a similar situation – trying to sleep, but tossing and turning, wondering what to do about something that upsets us?

Hats off to you Liz – you say you had to use this principle four times to get results – I think that’s extraordinarily good. Most mortals would take much longer to get results! It’s a true tribute to what can be done, and I’m SO proud of you all for having the willingness and ‘out of the box’ approach to creating a better life and a better world around you.

As you read below, you’ll see that Liz had a situation that could have spilled debris around her. But she used the Ancient Hawaiian Principle of Ho’oponopono, to bring calm and clarity to herself. By doing that, she was able to deal effectively with the business dealings at hand. Notice that she did NOT just swallow it, or ignore it, or sweep it under the rug. That just comes back to bite you. No, in her words, “I said my piece with empathy and conviction...”

If you still have not tried this principle, please do. Try it in what seems like an impossible situation. It’s from the book ‘Zero Limits,’ if you want to read even more. I know it seems foolhardy to say “I love you… I am sorry… please forgive me…and thank you” to someone or something that ‘seems blatantly wrong,’ and yet think about this. Every situation has so many more factors than we can see, or know. What we see is just the tip of the iceberg. Who are we to judge? And where does it get us. To ‘let go,’ is an ultimate spiritual manifestation!

Read below and see what you think. I think it will knock your socks off!

Prize winners for trying this principle so far are Theresa, Rose, Liz. I’ll leave the contest open a few more weeks.

Hi Christine,
I wanted to tell you I had applied this principle with great success recently.
I had a business issue that got really hot, emotional and personal and came up suddenly.
I wasn’t handling it well and knew we had a big meeting the next morning. I was dreading it and had that terrible feeling in the pit of my stomach.
As I climbed into bed that night, I thought about the issue and how wrong all the people involved were.
I tossed and turned, and suddenly your piece on the Hawaiian Teaching came into my head.

The words formed themselves. I imagined each individual and the whole group that would be meeting the next day.
I was so upset that it took 4-5 times of imagining each individual and saying “I love you… I am sorry… please forgive me… thank you” before the knot in my stomach started to loosen. Then a feeling of total calm came over me and I went to sleep.
The meeting the next day went beautifully and I said my piece with empathy and conviction without causing offense.

Using that particular phrase helped me calm down and come up with real solutions. It also helped me get enough sleep to actually be effective!

Thanks, Christine! I will continue using this one!

Liz Uible

3 MINUTE FOCUS TIP: Want to manifest inner peace and tranquility? Think about these 4 short phrases as you go about your day. When something upsetting crosses your path, simply say to yourself: I love you... I’m sorry... Please forgive me... Thank you. See if your stress converts to peace and tranquility.

Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide, including international best seller ‘Success Motivation in a Week.’
Why not forward this to another person who can benefit – you’ll be inspiring them AND they in turn will inspire the world!
Want to join the next Prosperity Team and skyrocket to your highest goal ever? Email me for details at ChristineHarvey@WomenForWealth.com
_____________________________________________________________________________________________________________

Here it is again...
Ancient Hawaiian Perspective – Manifest Moments™, Issue 4
From Christine Harvey, WomenForWealth.com

Perhaps the name Joe Vitale rings a bell from the movie ‘The Secret.’

In his 2007 book written with Ihaleakala Hew Len, PhD, called ‘Zero Limits,’ he talks about the ancient Hawaiian teachings of Ho’oponopono. These ancient teachings ask us to take responsibility for everything around us... everything in the universe... everything in our awareness.

When we see something that upsets us – for example perhaps you see a child being chastised by their parent unnecessarily, and your heart goes out to them – or whatever the situation, here’s what they prescribe... an easy 4 part process. We simply need to say to ourselves:
I love you... I’m sorry... Please forgive me... Thank you.

When I first read it, I felt it was too simplistic. As coincidence would have it, I discovered that other people I knew were reading it too, and trying it with success. So I tried it and discovered it works well – it brings instant stress relieve and more importantly – a new perspective. Try it, and see what you think!

3 MINUTE FOCUS TIP: Want to manifest inner peace and tranquility? Think about these 4 short phrases as you go about your day. When something upsetting crosses your path, try uttering these 4 phrases to yourself. See if your stress converts to peace and tranquility.

Free Prizes for trying this principle: I’m so curious about how this works in different areas of life, that I’ve decided to offer a free (surprise) prize to each of you who writes back to say how you have applied this principle and the result you achieved. I’ll share the results with all of you. Simply email me at ChristineHarvey@WomenForWealth.com, and say “Here’s the situation I applied it to...” and “Here’s the result I got...”

Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide, including international best seller ‘Success Motivation in a Week.’
Why not forward this to another person who can benefit – you’ll be inspiring them AND they in turn will inspire the world!
Want to join the next Prosperity Team and skyrocket to your highest goal ever? Email me for details at ChristineHarvey@WomenForWealth.com

Impressions from Warren Buffett

2008-05-06T22:05:00.000-05:00

Impressions from Warren Buffett- - Profit Pointers™ ,
From Christine Harvey, WomenForWealth.com

See quotes from Warren Buffett and partner Charlie Munger below...

Hello all,

I want to share with you the highlights of the Berkshire Hathaway shareholder meeting where we had the opportunity of hearing Warren Buffett answer questions from shareholders from 9:30 am until 3:15 with only a couple of breaks. Bill Gates was present too as a board member, and we saw them both again the following evening at Warren’s favorite restaurant.

The morning started with a 7am entry, where people rushed into the 30,000 seat arena and saved seats for everyone and their brother – a culture that has developed over the years. I would term it ‘sophisticated chaos.’ There were deaths and no pushing and shoving – just fast moving people in track shoes. We secured a second and third row position for our group of 11, about half way down from the podium and had excellent seats under our own ingenuity. The people in row four directly behind us, paid a runner $25 each to secure their seats – so what can I say – that was the start of our day. Within minutes, the whole arena was full, and the overflow watched remotely from the adjoining exhibition hall, crammed with Berkshire Hathaway owned company stalls.

Between 7 am and 8:30 am, we chatted with new friends and old, and the time flew by. At 8:30 am a movie started – now an expected event at these share holder meetings. For those who expected a staid epic, the tables were turned. We were glued for an hour to a most humorous film, as fast moving as MTV, with clips ranging from a BBC type spoof of the sub-prime crisis to Warren’s episode on ‘All My Children.’ The film’s quality was first class, staff of thousands, and Warren’s daughter listed as producer. A very funny and useful clip on the sub-prime fiasco exists on YouTube – a must see http://www.youtube.com/watch?v=SJ_qK4g6ntM

With that kind of introduction, I suppose it should have been no surprise that the opening included a female TV star pretending to take over Warren’s role in Berkshire Hathaway, followed by Warren and his partner Charlie Munger, coming on stage equipped with candy and cokes to consume while answering shareholders questions – of course all the products were under the Berkshire Hathaway umbrella – and those they couldn’t consume on stage, such as Dairy Queen, were touted unabashedly!

But hey, it was wonderful to see these two fellows, age 77 and 84, who have come so far in their own lifetimes, have so much fun with 31,000 people – and to hold their own against questions from shareholders all over the world for 6 hours straight – never wavering from their points of integrity, always answering with facts rolling out like wildfire.

Typically Warren would answer each question first, then throw it to Charlie, who most often answered, ‘I have nothing to add.’ We soon learned that Charlie had a way of cutting to the chase with one sentence of fully loaded words, when another human might choose three sentences, leaving room for interpretation! Neither of them cut any slack for the government regulatory bodies that failed to oversee the Freddy and Fanny Mae issues, or for the Enron executives of the world, or for the outrageous pay scales of some CEO’s.

Here are some golden nuggets covered in the Q&A by Warren Buffett, from my notes followed by points from Tom Harvey of EconomyGuy.com.

When asked about their joy in giving, they said to give things you have personal interest it.

When asked about Tungsten, they said there will be no substitute from Tungsten for cutting tools.

When asked about how they view life, they said “There is no reason to look at nuisances in life.” They commented on how they could have both stayed in their jobs at Warren’s grandfather’s store, and it would have been ‘hell.’

When asked about why they pay themselves so little, Charlie said it’s a good role model.

When a high school boy from German asked about what to do with the rest of his life, they said try to meet interesting people, read books, go to work for a business or person you admire, get the right spouse, and have the right attitude.

When asked about advice for the quiet types who want the recognition they deserve, they said to join with others who want to learn public speaking and learn to express yourself, as Warren had to do. “Force yourself into a situation where you have to do what you are afraid to do.”

When asked about the sub-prime situation, they said “When markets are dislocated, there are always opportunities.” Opportunities may be very brief and very extreme.

When asked “What if you could only see a financial statement and not talk with the management before buying a company, what would you look for?”, they said “Compare it to buying a farm again – Look at the asset – the income and expense. Only buy if you understand the company and the product.”

When asked about economics, inflation and the election, Charlie answered, “We’ll have turmoil that looks like a tea party – will have changes in regulations that will NOT work for everyone. Turmoil as far ahead as you can see!”

When asked about risk, Warren said he considers himself the Chief Risk Officer in the company, and he doesn’t want 1 out of a hundred possible risk, he wants 0.

When asked why he bought a company in China based on the annual report only, he said “When you see that a company has a value of 100 Billion, but you can buy it at 35 B, you don’t need to do further valuations to find out if it’s worth 97 Billion or 103 Billion. If there is a significance between price and value, we buy it.”

When asked about what they look for in their replacements for themselves, they said track record, human qualities and integrity.

When asked about how they handle meetings with outside company directors, Charlie said they keep it short. “We might say for example, ‘We don’t buy start ups’ and the meeting is over.”

When asked about nuclear knowledge, they said “The genie is out of the bottle.” Choke point is the nuclear materials - in the hands of too many of the wrong people – think we need to reduce that. They suggest seeing the Nuclear Threat Initiative website on the internet.

When asked about what we should teach children in school, they said your mind and body are your best assets, i.e. yourself. Too few people invest in themselves. “You can be the person you want to be.” Pick up good habits. Charlie thinks that schools should teach people how not to be manipulated by vendors and suppliers. They recommended 2 books – Influence and Yes.

When asked about economics today and if they remind them of any time in the past, they said “Troubles that begin in one area, usually spread to others.” “I can’t remember in my lifetime, shockwaves being sent out like these.” “Some stupid things won’t be repeated quite the same way, but the primal urges will pop up like desire for leverage, and belief in the tooth fairy!”

When asked about other good books, they referred us to Larry Cunningham who rewrites a lot of Warren’s principles.

When asked what their the biggest influencers had been, they said father, wife and books. Warren added about Charlie – Ben Franklin. They advised, “Teach your kids by what you do not what you say.” Warren said he visited he father’s office often when not in school and read all his business books. “Look at effective human beings, see what their qualities are, and copy them – don’t take the bad qualities from anyone.”

When asked about any last words, Charlie said he would like Berkshire Hathaway to have influence on other companies.

REFERENCES SUPPLIED BY: Christine Harvey – author of In Pursuit of Profit, an international best seller, published in 8 languages and used by corporations and Institutes of Management around the world.

Have you heard how Prosperity Partners™ achieve together? Don’t be left out - join Prosperity Team™ for high achievers and see how your goals can be transformed overnight. The new team will be starting next month! Go to this link for info: http://www.womenforwealth.com/htm/EShop/prosperityteams.html

Why not forward this to another person who can benefit – you’ll be helping them AND the economy at the same time.

More Buffett points below from EconomyGuy.com
_____________________________________________________________
(To Subscribe Free and receive critical information about the economy that affect your investments daily in your inbox,
go to EconomyGuy.com and enter your email address)
By Tom Harvey

Hi EconomyGuy readers,

Special Re: Berkshire Hathaway Shareholder Meeting, Saturday May 3 in Omaha

Here are the highlights as I saw them at the Berkshire Hathaway shareholder meeting. There were 31,000 attendees with about 5 hours of questions and answers from any shareholder to Warren Buffett and Charlie Munger. This was highly informative and entertaining, as not only were their answers refreshingly straightforward and honest, they were also amusing.

About the liquidity crisis - Warren states that while it is probably over, disruptions will continue. The FED action with Bear Stearns was the high water market in the crisis. Warren Buffett was asked to take over Bear Stearns before JP Morgan was asked to. Warren’s reasons for not doing it was stated to be that he didn’t have enough cash (he only had $35B of the $65B required) on hand.
If Bear Stearns had failed on the Sunday it was taken over by JP Morgan, it would have had to declare bankruptcy. It held $14.5 Trillion in derivatives that would have been unwound in a very short period – think 2 weeks. That would have resulted in 1 or 2 major other failures. This is why the FED acted so decisively, and changed their rules that day.
A great book to read on investment is “The Intelligent Investor”, chapters 8 and 20. (I have personally purchased this book, and intend to study it – perhaps with you.) He mentioned it several times during the meeting and said it was the book that opened his eyes to investing.
What is the stock market future? Warren states emphatically that he has no idea. He and Charlie are not in that business, and never discuss it. He is only interested in buying low priced businesses, and considers his buys a long term hold. One exception was a Chinese power company that he bought low, and sold at a fair market value a few months later.
When he buys a company, he retains the current management. He has no contract with the CEO of the business, but gives lots of appreciation. He looks for managers with lots of passion for their business. His cookie cutter business is a privately owned business where the owners want their cash out, but want their company legacy to continue. Berkshire Hathaway is the perfect solution for them. In fact, he is traveling to Europe in two weeks to speak to business groups and thereby solicit interest mainly from large, multi generational, family owned businesses. He wants to get on their radar screen, so that when they get ready to sell even years in the future, they will think of Berkshire Hathaway first. He stated his interest in German companies, because of their quality machinery, much of which works it’s way into the US, such as printing machinery.
Does Warren Buffet use stock options? Basically, no, he just doesn’t use them. He used one once as a Put on Coca Cola.
MBA schools should concentrate on teaching just 2 things. First, how to value a company, and second, how to value stock market indices. He also thinks MBA schools don’t provide enough communication skills like public speaking. He was so frightened of public speaking that he signed up for a Dale Carnegie Course and then canceled his deposit, later went back and paid cash so as to not back out. He advocates fighting fears and progressing in areas of fear by getting a support group around you, such as the Carnegie Course did for him.
Berkshire Hathaway won’t produce the same results it has produced in the past. It is just too large to grow at the same rate as it did in the past. It will continue to buy companies, and these will be great investments, but you can only invest that one company’s worth at a time, and now Berkshire has much more money to invest than that. The inability to invest all its income in great companies is the major slowing process in Berkshire Hathaway’s growth.
High CEO salaries are ridiculous in US industries. His recommendation on how to stop this practice is to have the top 5 shareholder groups unite in communicating to the board of the top companies to stop this practice. He likes to lead by example. He takes little in salary, thus the CEO’s of companies he’s invested if see the example. Most are independently wealthy anyway.
Warren does not do “pairs” trading where he buys one stock long, and shorts a related stock. The odds are you will get 4 pairs right, and one wrong. The wrong one will wipe out the profit of the 4 good trades. So, why do it, he says.
There have been huge market dislocations in the Tax Exempt Muni Bond market. There is $330B of these bonds out there. Currently, Berkshire has $4B of these bonds. The dislocations show up as major swings in the interest rates offered for specific municipal bonds. He cited examples of the same bond selling at a 4% interest one week, then 8%, 10% and 11% the next week.
Berkshire Hathaway did re-insurance in the Municipal Bond market during the first quarter 2008, and received $400M premiums. This insurance insures the primary insurer of the bond, so both the underlying bond issuer and primary bond insurer would have to default before the Berkshire Hathaway insurance paid out. This business started out of the blue, as people came to Berkshire asking for their help. With the Berkshire insurance attached, those bonds now trade at a lower premium than those without their insurance.
Here is what Warren looks at when he buys a business. He looks at the asset first. He must understand the business, so he can value its future. He tries to buy at 40% of value. He wants lots of free cash flow from the business.
Regarding the current US exchange rates. The Euro and Pound won’t depreciate against the US Dollar in the long run. The US Dollar will continue to weaken over the next 10 years. There is no need to Hedge against a falling Dollar, if you are in a Dollar economy. Warren doesn’t like to purchase a company that has all its income in US Dollars – he would like to see some of the income coming from non-Dollar sources.
Investment Banks can’t assess or appreciate the riskiness of their own business. This is a major risk to those industries as proven by the Bear Stearns debacle.
Fannie Mae and Freddie Mac are overseen by a government organization called Otheo. The only job of this organization is to oversee these two companies. It failed 2 for 2 in its job, as clear misrepresentations in both companies occurred. This was a clear failure in a government oversight organization. Warren was basically disgusted by this.
The US Government needs to “reign in Investment Banks.” Also, “US accounting standards are all wrong.” Companies can choose how they value their assets. For example, they can choose to estimate their current market, or they can choose to report what they paid for the asset. Think about the sub-prime mortgage security instruments in this context. This accounting problem is still happening today.
Charlie Munger defined some securities out there as “good until reached for”. This refers to paper assets, meaning they had value until someone tried to actually cash them in, then their value disappeared.
The Credit Default Swaps (CDS) market on Wall Street is a “crazy market”. It absolutely need to be regulated by the government.

In short, I would highly recommend attending this shareholder meeting next year. I enjoyed recording the key thoughts on your behalf, but a personal visit would be good. Perhaps we can even organize an EconomyGuy.com members cocktail party for next year! We had 6 friends here to brainstorm after the meeting and it was extremely useful. My wife Christine and I thought of several business ideas to pursue, based on Warren’s comments. Tonight we are off to a special restaurant that Warren frequents and expect to glean more ideas here from Warren and the attendees.

More later,
Tom
EconomyGuy.com

The 17 Minute Focus Window- - Profit Pointers Curriculum, Issue 11

2008-04-21T14:17:00.000-05:00

The 17 Minute Focus Window- - Profit Pointers™ Curriculum, Issue 12

From Christine Harvey (For application of these principles to: business, real estate, network marketing, personal development, see APPLICATION TIPS below.)

Hello all,

I’ll never forget the two accountants who attended our ‘In Pursuit of Profit Seminar.’ Everyone else attending waned to achieve MORE SALES. But not them. They said, “Christine our problem is that we have TOO MUCH BUSINESS – we can’t handle it all.”

“Hum,” I thought. We had not encountered anyone coming to a business improvement seminar with too much business, so we invited them to sit in the back and listen, so they could get some inspiration.

Sure enough, the next morning they come bursting in so excitedly, we thought they won the lottery! “Look at this!” they said, waving a check in their hands.

Apparently they had had a breakfast meeting with a prospective client and instead of rolling out their whole line up of services, they cut to the chase and asked the prospective customer to explain her needs. When she told them she needed a trust, they focused only on her needs of the trust. In under 20 minute they explained it, she said “Yes, please, let’s proceed,” and handed them a deposit check in advance!

They were acting on what they learned in the seminar the previous day – that was The 17 Minute Focus Window. What that means is that the peak attention span of most humans is 17 minutes.

If you ask the needs of your clients, and focus on solving their problem in the first 17 minutes, your changes of success are greatest. On the other hand, if you waste those 17 precious minutes – for example pontificating on your company or your list of services that DO NOT meet their needs, you’re dead. You’ve wasted their time and yours, and lost the sale!

So why not learn the secret rule of the 17 Minute Focus Window in everything in life and business. Your results and profit will be increased and your wasted time reduced!

3 MINUTE ACTION TIP: Think about your business, job or life now. Where do you want to save time and get better results? Maybe it’s with sales. But it could also be with meetings or phone calls, or anything else. Think of how can you use this 17 Minute Focus Window. Ask for the need of the person/people, then focus your conversation on fulfilling that need. Try it and then glory in your results!!!

APPLICATION TIPS:

Business, USE THIS ACTION TIP to train employees to use the 17 Minute Focus Window process with customers to increase sales and bring profit to your organization.

Real estate, USE THIS ACTION TIP with your assistant, team members and yourself to improve sales and profit – AND to save time.

Network marketing, USE THIS ACTION TIP with your team members and yourself to save time, and improve sales and profit.

Personal development, USE THIS ACTION TIP with all communication to improve your results.

REFERENCE RESOURCE: Chapter 7, Pages 69-74, In Pursuit of Profit, by Christine Harvey - an international best seller, published in 8 languages and used by corporations and Institutes of Management around the world.

Your Unique Talents Manifest Moments=?ISO-8859-1?B?gQ==?=, Issue 7

2008-04-18T17:04:00.000-05:00

From Christine Harvey, WomenForWealth.com

Yesterday I was sitting in from of my computer and a feeling of nausea came over me. I was trying to navigate around a new network for the first time, and it was driving me nuts. My goal had been to explore ‘groups’ and see what I liked. However it seemed that every click I made lead to something different than groups. My impatience was growing and I could feel myself really wanting to quit.

Suddenly a magnificent thing happened! My mind flashed back to an exercise we do with Prosperity Partners™. I immediately asked myself what ‘unique ability’ I had to pull myself through this. What then popped into my mind was something from my teens. It was a learned skill that eventually lead to winning a trip to Paris years later.

At that time, I had a summer sewing class. The teacher, Miss Kearns, had a fabulous way of making us rip out our stitching and do it over an over until it was perfect. She simply said, “This has got to go.” She never said, “This is awful.” She just kept repeating, “This has got to go,” and sent us back to redo it until it was perfect - and so I acquired the ‘unique ability’ of being persistent in order to reach an end goal. Some years later, I entered Singer’s worldwide sewing contest and won first place worldwide using this skill of persistence.

So the question I asked myself yesterday, sitting in front of my computer was this - “Christine, do you have a success from your past proves that you can have attention to detail?” The answer I got was when thinking of that accomplishment was, “You bet you do!”

Now it’s time for YOU to think of YOUR unique talents, and how they will propel you to YOUR GOAL.

3 MINUTE FOCUS TIP: Think of as many accomplishments from your past as you can. Think back to your teens and childhood. Think back to your early career, to awards and competitions you won in school. They will all tell you important indicators about yourself. Do you see ambition, persistence, can-do-it attitude? You’ll see many more skills and unique talents. Make a list of all those accomplishments and next to it write the skill or talent that allowed you to do it. Now, think of a goal you currently have. Pick a unique talent from your list, and let that the knowledge of that talent propel you to your goal.

From ChristineHarvey@ChristineHarvey.com
______________________________________________________
Have you heard how Prosperity Partners™ achieve together? Don’t be left out - join our Prosperity Team™ for high achievers and see how your goals can be transformed overnight. Go to this link for info: http://www.womenforwealth.com/htm/EShop/prosperityteams.html

Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide,
including international best seller ‘In Pursuit of Profit.’

Why not forward this to another person who can benefit – you’ll be helping them AND the economy at the same time.

------ End of Forwarded Message

Marking the Brain Cells- - Profit Pointers Curriculum, Issue 10

2008-04-15T11:48:00.001-05:00

Marking the Brain Cells- - Profit Pointers™ Curriculum, Issue 10

From Christine Harvey (For application of these principles to: business, real estate, network marketing, personal development, see APPLICATION TIPS below.)

Hello all,

Top sales skills are rare – and invaluable!

Having sales skills can mean a huge difference between profit or loss.

For business owners, sales people and corporate managers, profit is critical. This process of ‘Marking the Brain Cells’ will help you catapult your sales to higher profit.

In our Pursuit of Profit seminars, the single biggest skill we see in the top sales achievers is this ... It’s the ability to help customers recognize their needs – AND to verbalize their own needs.

The Profit Solution is this... When a customer verbalizes their own needs, their needs then become indelibly stamped on their brains. That’s what we call ‘marking the brain cells.’ We should think of ourselves as facilitators who interview to diagnose problems and propose solutions. By asking questions in this way, we help customers see their needs with more impact.

The opposite way, the way that achieves low results is this... It’s is to start by telling customers about our product or service BEFORE we do the needs interview. It’s only AFTER the needs interview, that we can explain the features and benefits that relate to the customer. To not do this, is to lose the sale.

Questioning is essential. Prospects who are told exactly what a product does, are NOT convinced. However, when asked questions about their needs, their answers reinforce their reason for buying. It marks their brain cells! And THAT makes the sale.

Let’s look at some examples.

If it’s health product, you could start by asking about the prospect’s health goals – do they want more energy or do they have a chronic problem that holds them back? Is it for themselves or for a family member or both? What are their combined needs?

If it’s an equipment sale, or a consulting service, or anything else - you want to ask what results they hope to receive – time saving, production efficiency, replacement of staff?

So if you want profit for your products and services, start by putting yourself in the frame of mind of a buying facilitator - asking questions in such a way that allows your prospect to verbalize his or her OWN needs. Now you are ‘Marking the Brain Cells’ for a yes to the buying question!

3 MINUTE ACTION TIP: Think about your life now. Who do you want to influence for a ‘buying decision?’ Maybe it’s a customer. But it could also be a family member or a boss. Think of how can you use the questioning process – how you can be the facilitator to get THEM to express THEIR NEEDS. Only then put your proposal forward.

APPLICATION TIPS:

Business, USE THIS ACTION TIP to train employees to use the questioning process with customers to increase sales and bring profit to your organization.

Real estate, USE THIS ACTION TIP with your assistant, team members and yourself to improve sales and profit.

Network marketing, USE THIS ACTION TIP with your team members and yourself to improve sales and profit.

Personal development, USE THIS ACTION TIP with yourself to improve your influence, and leadership performance.

REFERENCE RESOURCE: Chapter 6, Pages 63-67, In Pursuit of Profit, by Christine Harvey - an international best seller, published in 8 languages and used by corporations and Institutes of Management around the world.

Have you heard how Prosperity Partners™ achieve together? Don’t be left out - join our Prosperity Team™ for high achievers and see how your goals can be transformed overnight. Go to this link for info: http://womenforwealth.blogspot.com/2008/03/who-is-supporting-your-success_26.html

From ChrisitneHarvey@ChrisitneHarvey.com
Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide,
including international best seller ‘In Pursuit of Profit.’

Why not forward this to another person who can benefit – you’ll be helping them AND the economy at the same time.

Marking the Brain Cells- - Profit Pointers Curriculum, Issue 10

2008-04-15T11:37:00.000-05:00

Marking the Brain Cells- - Profit Pointers™ Curriculum, Issue 10

From Christine Harvey (For application of these principles to: business, real estate, network marketing, personal development, see APPLICATION TIPS below.)

Hello all,

Top sales skills are rare – and invaluable!

Having sales skills can mean a huge difference between profit or loss.

For business owners, sales people and corporate managers, profit is critical. This process of ‘Marking the Brain Cells’ will help you catapult your sales to higher profit.

In our Pursuit of Profit seminars, the single biggest skill we see in the top sales achievers is this ... It’s the ability to help customers recognize their needs – AND to verbalize their own needs.

The Profit Solution is this... When a customer verbalizes their own needs, their needs then become indelibly stamped on their brains. That’s what we call ‘marking the brain cells.’ We should think of ourselves as facilitators who interview to diagnose problems and propose solutions. By asking questions in this way, we help customers see their needs with more impact.

The opposite way, the way that achieves low results is this... It’s is to start by telling customers about our product or service BEFORE we do the needs interview. It’s only AFTER the needs interview, that we can explain the features and benefits that relate to the customer. To not do this, is to lose the sale.

Questioning is essential. Prospects who are told exactly what a product does, are NOT convinced. However, when asked questions about their needs, their answers reinforce their reason for buying. It marks their brain cells! And THAT makes the sale.

Let’s look at some examples.

If it’s health product, you could start by asking about the prospect’s health goals – do they want more energy or do they have a chronic problem that holds them back? Is it for themselves or for a family member or both? What are their combined needs?

If it’s an equipment sale, or a consulting service, or anything else - you want to ask what results they hope to receive – time saving, production efficiency, replacement of staff?

So if you want profit for your products and services, start by putting yourself in the frame of mind of a buying facilitator - asking questions in such a way that allows your prospect to verbalize his or her OWN needs. Now you are ‘Marking the Brain Cells’ for a yes to the buying question!

3 MINUTE ACTION TIP: Think about your life now. Who do you want to influence for a ‘buying decision?’ Maybe it’s a customer. But it could also be a family member or a boss. Think of how can you use the questioning process – how you can be the facilitator to get THEM to express THEIR NEEDS. Only then put your proposal forward.

APPLICATION TIPS:

Business, USE THIS ACTION TIP to train employees to use the questioning process with customers to increase sales and bring profit to your organization.

Real estate, USE THIS ACTION TIP with your assistant, team members and yourself to improve sales and profit.

Network marketing, USE THIS ACTION TIP with your team members and yourself to improve sales and profit.

Personal development, USE THIS ACTION TIP with yourself to improve your influence, and leadership performance.

REFERENCE RESOURCE: Chapter 6, Pages 63-67, In Pursuit of Profit, by Christine Harvey - an international best seller, published in 8 languages and used by corporations and Institutes of Management around the world.

Have you how Prosperity Partners™ achieve together? Don’t be left out - join our Prosperity Team™ for high achievers and see how your goals can be transformed overnight. Go to this link for info: http://womenforwealth.blogspot.com/2008/03/who-is-supporting-your-success_26.html

Why not forward this to another person who can benefit – you’ll be helping them AND the economy at the same time.

From ChrisitneHarvey@ChrisitneHarvey.com
Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide,
including international best seller ‘In Pursuit of Profit.’

------ End of Forwarded Message

Close the Leadership Gap- - Profit Pointers Curriculum, Issue 9

2008-04-07T09:15:00.000-05:00

Close the Leadership Gap- - Profit Pointers™ Curriculum, Issue 9

From Christine Harvey (For application of these principles to: business, real estate, network marketing, personal development, see APPLICATION TIPS below.)

Hi all,

If you want to make a profit, you have to close the leadership gap.

You’ve probably seen the demonstration in which someone says “Try to pick up this pencil.” Then when the person starts to touch the pencil, the demonstrator says, “Stop. I said TRY to pick it up - - that’s different than actually doing it.”

That difference between trying and doing is the leadership gap. It’s also called ‘the accountability gap.’

The problem is that some people think they are being accountable because they show up, or they ‘try.’ They do part of the steps and let themselves off the hook. They have no experience in being called to task when the job isn’t completed. That’s the leadership gap.

We humans also have this problem in relationship to ourselves. We have a goal, or something we really want to accomplish today, and yet we let it slide away undone with an excuse about not having time, or changing priorities. So we mentally ‘tried,’ but actually failed to deliver even to ourselves.

It’s only when we, or our employees, actually deliver the end result that we will profit. It’s essential for us as leaders to teach the difference between trying and doing. As I said in In Pursuit of Profit, “Our job is to train people to see the end result and all the segments necessary to reaching it.”

So if you want to make a profit, you need to keep performance on track. That can only be done if people know the exact end result to be achieved and all the steps necessary to get there.

3 MINUTE FOCUS TIP: Today, watch for how incomplete tasks show up. Watch for how someone, including yourself, misses the mark and quits before the end result is actually achieved. Then come forward and review the steps. See where the task went off track. Show them where they were on the ‘right trail,’ and just got side tracked. By helping them get back ‘on track,’ you’ll be achieving the end goal for them, you and the company. Your leadership here will close the ‘accountability gap,’ the leadership gap.’

APPLICATION TIPS:

Business, USE THIS FOCUS TIP to train employees to reach goals that bring profit and high performance to the organization.

Real estate, USE THIS FOCUS TIP with your assistant, team members and yourself to improve performance, and profit.

Network marketing, USE THIS FOCUS TIP with your team members and yourself to improve results leading to instant profit.

Personal development, USE THIS FOCUS TIP with yourself to improve your leadership and personal performance.

REFERENCE RESOURCE: Chapter 5, Pages 55-59, In Pursuit of Profit, by Christine Harvey - an international best seller, published in 8 languages and used by corporations and Institutes of Management around the world.

        Want to achieve even more? Don’t be left out - join our Prosperity Team™ for high achievers and see how your goals can be transformed overnight. Go to this link for info: http://womenforwealth.blogspot.com/2008/03/who-is-supporting-your-success_26.html

From ChrisitneHarvey@ChrisitneHarvey.com
        Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide,
            including international best seller ‘In Pursuit of Profit.’

Why not forward this to another person who can benefit – you’ll be helping them AND the economy at the same time.

The Power of Forgiveness Manifest Moments=?ISO-8859-1?B?gSA=?=Curriculum, Issue 5

2008-04-04T08:54:00.001-05:00

From: Christine Harvey, Author - In Pursuit of Profit, International Best Seller in 8 Languages
The Power of Forgiveness – Manifest Moments™ Curriculum, Issue 5

H ave you ever wondered about how to achieve the power of forgiveness?

Gerald Jampolsky tells about a woman whose son was accidentally killed by a drunken young man, in his book ‘One Person Can Make a Difference.’ For years the woman did everything she could to keep this man from being released from prison. Then she discovered that she was destroying herself through this hate and bitterness. Her hair was falling out, her gall bladder had problems, and she was plagued by skin rash. “The hate inside of me was attacking my own body,” she said.

“Somehow I began to know inside of me that if I was to survive, forgiveness was not an option but a necessity,” she continued. “I couldn’t live the rest of my life with pain and anger. I chose not to do it anymore.” Instead she chose to talk with him about how it occurred, and what conditions he faced at the time of the accident. “Then I could see him as a person who made a serious mistake, but was also a caring, sensitive and vulnerable person.”

As Jampolsy witnessed this remarkable forgiveness, this thought occurred to him. “If this woman could forgive someone who murdered her son, then the rest of us ought to be able to heal whatever unhealed relationships we are holding onto.”

Instantly as Jampolsky had that thought, a picture jumped into his mind of a person he knew who he still resented. “Suddenly, without my doing anything, I felt a sense of total compassion and love towards this person, that was beyond anything I could have imagined,” he said.

3 MINUTE FOCUS TIP: Let your mind jump now to a person you still feel resentment toward. Reflect as Jampolsky did. If this woman could forgive, why not GIVE YOURSELF THE OPPORTUNITY to let forgiveness fill your heart too? Remember, you are doing it for yourself - and the world will be a better place for this action.

Jampolsky says that our egos want us to believe two things that are unsound. One is to hold onto our resentments forever. The other untruth is that if we forgive, we will be hurt again. Don’t let this happen to you. The world needs you in your full glory and unreserved love for humanity and yourself! Try to let go today, and see what happens FOR YOU.

All best,
Christine

Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide, including international best seller ‘Success Motivation in a Week.’
Why not forward this to another person who can benefit – you’ll be inspiring them AND they in turn will inspire the world!
Want to join the next Prosperity Team? Email me for details ... From ChristineHarvey@WomenForWealth.com

The Totally Fulfilling Life - 6 Steps

2008-03-31T11:47:00.001-05:00

From: Christine Harvey, Author - In Pursuit of Profit, International Best Seller in 8 Languages
Hi All,

(Reminder – Prosperity Teams™ with a new twist signing up now.)
Two days ago, had an interesting call with one of our members.
It was on about how she wanted to create a totally fulfilling life for herself. She had a lot of success already, but felt her talents were not fully being utilized.

I shared with her these important 6 ingredients, based on the studies of noted psychologists:

1. Being seen and acknowledged

2. Sense of ‘OK-ness’

3. Feeling you can make something happen

4. Safety – if not feeling safe, it gets unnerving

5. Want to feel loved and cared about, then we feel all is well

6. Need to belong

If all 6 are present, we feel good. If we start taking them away, we feel unhappy.

By co-incidence perhaps, these are the same 6 ingredients around which the Prosperity Team™ methodology is built!

In step one, we focus on your achievements, and through this you learn about your unique abilities.

You share them, and through that you are seen, appreciated and acknowledged. You also gain a tremendous sense of ‘OK-ness,’ a sense of perspective on your total package of skills and talents.

You are propelled to a new sense of knowing that you can make something happen, and you do. And the curriculum supports you every step of the way. In fact, because of the support you get from us and from your Prosperity Team members, you have a rock solid base of safety from which to reach out and make the unbelievable happen.

And as the sessions build, with positive feedback from others, you gain a tremendous sense of being cared about, and a sense of belonging. In fact, participants make relationships that are so supportive during the 12 phone meetings, that they want to meet up afterwards to continue to build that bond.

So if you want to build a totally fulfilling life, going from strength to strength - ask yourself these 2 questions:

A. How would you rate yourself in the above areas? Are any of them missing? Would you like to fill them, and if so, what is possible for you?

B. Would it be worth $597 to have this in your life?

Don’t drag your feet – we only have 2 places left as of this writing. The new teams will be starting in a week or two – you’ll REALLY enjoy the international members.

Jump on this – click the sign up link below, to sign up NOW
http://www.kickstartcart.com/app/netcart.asp?MerchantID=85979&ProductID=4012797

Or go to this link for more information and testimonials...
http://womenforwealth.blogspot.com/2008/03/who-is-supporting-your-success_26.html

Don’t snooze, or you’ll lose!!!

Go for the rewards that are ‘unimaginable’ to you now.
All best,
Christine

Who is Supporting Your Success

2008-03-26T16:02:00.001-05:00

From: Christine Harvey, Author - In Pursuit of Profit, International Best Seller in 8 Languages

Dear Friends,

Having trained over 100,000 people in the US, Europe and Asia, I’ve found one thing in common among all of us. The astounding truth is that we usually know WHAT to do to reach our goals - but getting us to do it – that’s another thing altogether!

Let me ask you this... Which dreams have you put on the back burner?

If you were to achieve them, how would you feel about yourself?

I ask that because, research shows that our happiness is directly proportional to the speed we’re moving toward our goals.

So where do you stand on reaching your goals and dreams?

What if you had guaranteed support - reaching your most audacious goals? What if you had a guaranteed system of support that would give you the extra push to success at last? AND...what if your fondest dream or biggest lifetime goal only took 12 weeks to achieve?

That’s exactly what happened to our recent group of Prosperity Team™ graduates. Many had HUGE goals that would take most people two years to reach - if at all!

    - One person wanted to start a totally new business with 10 high-paying clients. She had no clients and no experience in that field, but she did it!

    - Another wanted to increase personal income by $2500 a month and did it.

    - One wanted to move abroad with a paying job, and did it!

    - Another had a job promotion to CEO and wanted to increase sales by 20% - and did it.

    - One wanted a career change and to get out of debt and did it.

These are things that most people intend to do - things they hope to do, things they dream about - but the dream dies in them.

Why – because they have no support, they lack ideas, they get stuck or overwhelmed with everyday pressures. They die with the dream in them.

Listen to what one of our last group of Prosperity Team™ participants says...

LIFE GOALS
“As I sit here typing on my brand new I-Mac, looking forward to my dream job in France, I am filled with gratitude and joy. Thank you for creating Prosperity Teams™ that encourage us to realize our dreams - I’m surely living MY DREAM: a year in the South of France with paid work! Thank you for holding me accountable to achieving that dream, and to calling me to be my best self, even on days when I was ready to give up!”

PERSONAL TALENT
"I thank Prosperity Teams™ for making me realize that I have a multitude of talents to bring to the world."

ABOUT THE TEAMS
"The Prosperity Teams™ are incredible! I've been moving by leaps and bounds! We put ideas out, and others fill in the details for us - ideas that we're not able to see by ourselves. It feels like Leonardo Da Vinci sometimes - I have the basic blueprint, but others fill in 10 steps ahead of me. I have such gratitude that you've put these together for us."

Above from K.Billingsley., New York, USA, and now FRANCE

And what would YOU want to achieve? Maybe you want increased income. One business owner increased sales by $2600 per month – that’s over $30,000 extra income a year.

But maybe your goal isn’t starting a new business or extra money. Maybe your goal is a promotion, or writing a book, or learning to speak in public – something that takes huge courage. ... Maybe it’s a task you hate thinking about and have no time to achieve. These are all things our graduates have overcome.

Success can be yours too – for whatever dream or goal you have.

I know because I’ve been down this road myself. How do you think I learned to master goals and become an expert in the field!!!

I remember a goal I agonized over for years. I knew I wanted to work in television, but thought I needed more credentials.

Although I had been interviewed on television about my books and seminars, I had never worked as the ‘front of camera’ interviewer – something I thought I would love! Every time the dream came up for me, my mind had an excuse – ‘no formal training, no time, who would I talk to anyway?’ And if I did talk to someone, what would I say? This negative self talk went on for literally years.

Finally I said to myself, “Christine, if you don’t take action now, you’ll NEVER do it and you’ll ALWAYS feel bad about yourself.”

So here’s what happened. A friend of mine told me I’d better do it now or never. So with that encouragement, I decided to take 3 weeks away from my business to try it and see what would happen.

I went to Los Angeles with my resume in my hand (remember it had no interviewing experience on it.) Then I took a deep breath and I walked into the first television station I could find. I asked the receptionist if I could see the program manager. To my surprise, he came out and we talked in the lobby for literally 5 minutes. What happened next almost threw me off my feet. Here’s what he said, “Well Christine, as a matter of fact we need a front of camera person right now for 3 weeks. Can you start tomorrow?”

And that’s where I learned the power of support. I would NEVER have gone without the encouragement of that friend... The one who told me - “It’s now or never, Christine!” And that was SO true. Because of that friend’s encouragement, I had the experience of a lifetime, and I didn’t die with the dream in me.

And that’s why I decided to create a program for others, who did not have the support that I had, AND to combine that support with the knowledge they need – in other words the ‘steps’ for goal achievement.

... I did that because that’s how the universe works – IF you have a support team around you WITH the right methods – you’ll become unstoppable! And that’s what a Prosperity Team™ does for you. You get the power of group support with unstoppable goal achieving exercises. In fact, I was extremely honored about creating Prosperity Teams™ when one team member said, “Christine takes people with her to success. She’s one of the most savvy businesswomen I know. She does things NOW. She doesn’t wait for a better time.”

What would achieving ‘your most outlandish goal’ mean to the rest of your life?

It could easily put you on a new plateau forever! It could increase your self esteem and put you on new paths!

(In fact research also shows that 60% of our self image is related to the work we do. Imagine what happens to our self image if we’re not following our real talents in life!) It could remove your guilt at last, and let you sleep at night ... or remove that overwhelmed feeling that just festers!

Here’s what graduates say...

COURAGE FROM TEAM SUPPORT
“I would not have had the courage to reach this goal without having the team behind me.”
T. Trumpelmann, SOUTH AFRICA

FROM OVERWHELM TO ORGANIZED !
“One of the tips I learned this week has helped me tremendously in staying better organized, being less stressed, and staying out of the “overwhelm zone!”
L. Montgomery, California, USA

ABOUT THE TEAM
"What I like more than anything, is the high level of thinking. I don't get this any place else. "
A. Berry, Alabama, USA

What about you? If you could pick one thing to achieve, what would it be? Think about it SERIOUSLY... you might never have a chance for support like this again. What would that one audacious goal be for you? Or maybe several come to your head. Maybe things you’ve long given up on, maybe things hanging over your head. Let one important goal ...or dream ... rise to the top.

Now, maybe you’re thinking – well, this could be interesting, but how does this program work?

Let me explain it, and then you can see if it’s right for you. But first, let me say one thing. If you like it, but the timing seems wrong, consider doing it anyway.

Why do I say that? The reason is simple. It’s called the window of lost opportunity. When an opportunity comes and we don’t go for it THEN, chances are that we never will. In fact, of the people who will receive this email, we’re only allowing eight people to register per Prosperity Team™. So if you are serious about achieving a special goal for your life, you’ll want to join now... to guarantee your place. Places, they’ll go fast - so don’t be left out. In fact, I once heard Frances Littauer deliver a very moving speech about ‘not letting the dream die in you.’ Doing it NOW is the way to insure success in life and not suffer the agony of remorse.

So, here we go ... visualize yourself achieving your goal as you read. And remember – it doesn’t have to be hard – as you saw in my television example above, it only took 5 minutes to reach my dream once I bit the bullet with support behind me...

*** THE FEATURES OF YOUR PROSPERITY TEAM™ PROGRAM ARE AS FOLLOWS...It’s a Dynamic Program consisting of two essential ingredients -

    First, you’ll have Trademarked methods for goal attainment, as listed below. Second you’ll have the essential support team for your goal.

You’ll meet with your support team and coach-facilitator once a week by telephone. The Prosperity Team™ format focuses on your individual strengths and guarantees that you’ll succeed in your goal. Between calls, you’ll devote 10 minutes a day to applying the methods to your specific goals. (Some folks devote less time and still succeed!) It’s that straight forward.

In Prosperity Teams™ members learn to support each other's success. This builds leadership for careers and businesses.

Our Trademarked methods incorporate a specialized structure, including these three areas:

    1. Through the POA™, Powerhouse of Your Achievements, which creates a bond and a platform to help each other achieve.

    2. Through Prosperity Exercises™ on achieving goals, overcoming obstacles, and mastering specific business skills.

    3. Through Prosperity Solutions™ - a dynamic team interplay which produces extraordinary ideas, possibilities and results.

***BENEFITS OF THE PROSPERITY TEAM™ PROGRAM -- TO YOUR CAREER AND BUSINESS

Here’s what graduates say...

BUSINESS / BOTTOM LINE
“The Prosperity Exercise™ this week called ‘Get control of your business and watch your bottom line grow,’ was a big win for me – our profits will be up enormously just from this one exercise.”

BUSINESS
“I share all of our Prosperity Team™ exercises with my employees – it’s the best thing for our business.”

CORPORATE SALES
“At our sales meetings no one had enthusiasm or commitment. I applied what I learned and now people stay in the conference room and discuss business – no one wants to leave and this is the time of day when they are ready to go home! Business is up dramatically.”

Above from A. Ethridge-Painter, Oregon, USA

COACHING / TEAM
“This was one of those powerful coaching calls that left me inspired with an entirely new perspective. To say that Prosperity Teams™ are resourceful is an understatement. They come up with brilliant options!”

SALES / MARKETING
"Last week during the Prosperity Team™ Call, I got a major idea of contacting a specific CEO to buy our services... AND with the help of the team I was able to achieve results by the same afternoon!!! This would not have happened without being a member of the Prosperity Team™."

Above from C. Kadansky, Arizona, USA

OTHER BENEFITS...

    - By combining the brainpower of successful people, you’ll achieve bigger goals even faster!

    - Because the Team Calls are Coach-Facilitator led, there’s no lingering and wondering what to do. Everything will be spelled out and you’ll be immediately in the flow.

    - Perhaps you’ve experienced starting on a goal and then becoming stuck! Maybe you ran out of time, or maybe you ran up against roadblocks. This won’t happen when you are a Prosperity Team™ member. Your success is guaranteed.*

- No need to leave your home or office, so you save valuable time and money by not traveling.

   - You’ll have huge savings compared to business coaching and expensive seminars – and a lot more encouragement!

   - By devoting only 10 minutes a day, you’re not biting off more than you can chew.
        (Some participants even reach their goal by week 4 or 5 – with even LESS than 10 minutes per day!)

Earl Nightingale once said that you could become a world expert in three years on any subject by devoting 7 minutes a day to it. This same principle applied to your goal - along with the team and coach facilitator - has guaranteed results for our participants.

* YOUR GUARANTEE

I started this letter by telling you that I’ve trained over 100,000 people in the US, Europe and Asia – in the field in profit development and leadership. I’ve also written 6 books that have been published by 48 publishers worldwide in 25 languages. In fact word spread so quicly about the effectiveness of these methods that I was invited to present these in training programs around the world – the prestigious Institute of Directors in London, the Australian Institute of Management, the Singapore Institute of Management – and even our own US Military.

And all the participants had results as never before. One CEO even won an award for growth of his company based on what he learned from my principles. He invited me to his press conference and honored me by saying so. I have a huge reputation at stake. I’m not likely to risk my reputation by promising you something that’s impossible now!

As I ran trainings across all those cultures, I kept seeing where people got stuck. Then I set about developing universal principles of overcoming roadblocks.

So that’s what you’ll be receiving in the Prosperity Teams™ - a truly dynamic set of principles combined with personal support for your achievement – principles and support that are transformational.

I’m so sure that these principles will work for you, that if you follow the program and don’t feel you’ve benefited, you’ll have a full refund of your money. Hard to beat that for a guarantee, isn’t it!

CLICK BELOW TO REGISTER
<http://www.kickstartcart.com/app/netcart.asp?MerchantID=85979&ProductID=4024000>

(Or, you can copy and paste the code above into your browser if clicking on it doesn’t work for you.)

*** FREQUENTLY ASKED QUESTIONS

When are the phone meetings held?

    Your Prosperity Team™ meetings are held once a week. You can choose an evening or a weekend meeting. After you register you’ll be given a choice of convenient times.

What if I can’t make one of the 12 phone meetings? Do I still qualify?

    Our experience is that you can miss up to three meetings and still reach your goal. You’ll still receive your Prosperity Exercises™ on achieving goals, overcoming obstacles, and mastering specific business skills, which you can easily apply to your goal within 10 minutes or less per day. You can also update your team on your progress by email and get an update from them by phone or email so that you feel up to date.

How do I know I’ll like my team?

You may wonder how you will fit in with a group of people you don't know. That's a great question.

    The answer is that overwhelming majority of Prosperity Team™ members say they’ve never met such a group of like-minded people! Think about it - only people who care about their futures join... goal oriented people just like you and me.

    Also, part of our unique methodology enables us to identify your key strengths through your accomplishments and to let your team help you identify your unique talents quickly and easily. In doing so, they quickly bond with you and visa versa so that your team platform is solidly and effectively built from the first phone meeting.

    AND... as a team member you are able to draw upon the creativity of the group to solve any obstacle you have in your way. Likewise you are able to utilize the contacts and credibility of others in your team to reach the highest of your goals fast. In other words, a network for success is being created around you!

What about confidentiality?

    Great question. Team members are required to sign confidentiality agreements in order to participate. Additionally the program is set up in such a way that you may choose what to disclose or not disclose about your business or your career position. Also the fact that members are from all parts of the US and abroad means that you’ll not have someone from your company on your team unless you invite them to join with you. In fact, the beauty of it is that you’re likely to find the MOST like-minded, supportive people ever among your team members.

What’s the investment for this program?

What would you be willing to invest in yourself, to not die with the dream in you?

Or, consider this: What would this program be worth to you, if you raised your monthly income by $2500 – that’s over $30,000 per year? That's what Connie Kadansky from Phoenix did when she joined our Prosperity Team™ Program – And her extra $2500 income was achieved by her 5th week! Does that sound impossible to you? It’s NOT...

But maybe you don’t want extra money – As we said before - maybe your goal is different – maybe starting a new business, or a promotion, or writing a book, or learning to speak in public – something that takes huge courage – the important thing is that it’s YOUR dream!

What would that be worth to you? Thousands? That’s what you would pay at most seminars of this caliber. But no, the cost for all 12 weeks – the support team, the coach-facilitator, the 12 weeks of Prosperity Methods for reaching your goal is only $597! That’s less than you would spend for two people to go to a restaurant once a week – and look at the difference you get out of it.

Some people think it’s so low, that they wonder how they can get a high caliber program for that price. The answer is this: Like you, we don’t have to travel either. No air fares to pay, no hotel or conference rooms to pay. The savings are passed on to you.

Don’t forget, only eight people are allowed to enroll per Prosperity Team™. So if you really want to achieve that big goal - do yourself the favor of joining now to guarantee your place. Places, will go fast - so don’t be left out. Remember Florence Littauer’s motto of ‘not letting the dream die in you. NOW is the time to insure your future success. Once you’ve attained your goal, no one can take it away from you!!!

CLICK BELOW TO REGISTER
http://www.kickstartcart.com/app/netcart.asp?MerchantID=85979&ProductID=4012797

(Or, you can copy and paste the code above into your browser if clicking on it doesn’t work for you.)

MORE QUESTIONS & ANSWERS...

Who is my team’s coach-facilitator?

    We are so inspired with Connie Kadansky's speed of achievement as explained above, PLUS her background of coaching Fortune 500 companies, that we’ve invited her to be your Coach-Facilitator for the next Prosperity Team™ Program.

    Listen to this for a list of her accolades! Connie has owned her own international consulting and performance improvement practice for 7 years. Kadansky is a nationally recognized expert in identifying and eliminating blocks to personal and business progress. For this, she was interviewed by the Wall Street Journal. She’s certified by the Adler School of Professional Coaching in Toronto, Canada – she’s an accredited member of the National Speakers Association, the International Federation of Professional Speakers, and the International Society of Performance Improvement. Last summer she facilitated training for the Parliament in Rwanda and was selected for executive coaching in Beijing China, the hot bed of financial growth.

Obviously, if you want results, this is the person you want on your side - and we are thrilled that she will be facilitating your program!

What if I can’t spend 10 minutes a day on my goal?

    You probably guessed the answer already! There are hundreds of get rich quick schemes out there and this is NOT one of them. After all, we’re giving you practically everything on a golden platter already – the method of goal achievement each week, the team to support you. If you can’t spend at least a few minutes a week on your goal, then it’s perhaps best not to join. Having said that, people have experienced achievement of their goal doing much less than 10 minutes a day. That’s because over 12 weeks the momentum builds, and let’s face it – having a team behind you DOES hold your feet to the fire.

Which type of person are you? We’re assuming you’re not ‘just looking for a get rich quick scheme’ because that won’t work anyway! If people won’t follow the program, they won’t get their money back and they won’t get results. That’s an expensive waste of money, wouldn’t you say?

If you’re the goal oriented type that really cares - then please register immediately, and let’s get going now! You’re definitely the type we want on our team!!! We’ll bend over backward to make sure you reach your goals.

Sincerely,
Christine Harvey
Cell 520-991-4044

CLICK BELOW TO REGISTER
http://www.kickstartcart.com/app/netcart.asp?MerchantID=85979&ProductID=4012797

(Or, you can copy and paste the code above into your browser if clicking on it doesn’t work for you.)

P.S. WANT EVEN MORE SUPPORT? What if you have a group of friends and colleagues who you would like to propel to a whole new level? We can pair you with up to friends and colleagues that you bring in with you, or we can put you all on separate teams for more privacy, diverse contacts and ideas.

As one member said, "I brought in 3 friends and colleagues because it intensifies the fun and energy of the team. And we can compare notes and support each other between sessions." Email friends and colleagues and suggest that they join you. But register yourself NOW to reserve your place.

P.P.S. Maybe you are not confident yet. Maybe being around a group of successful people from around the world intimidates you a little bit. I know where you are coming from. We sometimes sell ourselves short when we look at our own accomplishments. That is just one reason the money you spend on your Prosperity Team experience is going to pay you back thousands. You must begin to see your unique abilities in order to succeed on an entirely different level.

P.P.P.S. OR maybe you are quite clear about the success you’ve had in your life and your career. You are in good company.   We have members who are CEOs, leading business owners, government leaders, international leaders and entrepreneurs. You’ll join a very select group - you’ll experience it for yourself. Use some or all of these fantastic and proven opportunities, and please let us know between phone meetings when you start achieving your goal. We’ll definitely want to use you as a testimonial.

Really, don’t let yourself down – don’t let that dream die in you by putting this off. You owe it to yourself - you will be amazed at what starts to happen in your life the minute you join and get the first Prosperity Exercise even before the first team call!

CLICK BELOW TO REGISTER
http://www.kickstartcart.com/app/netcart.asp?MerchantID=85979&ProductID=4012797

(Or, you can copy and paste the code above into your browser if clicking on it doesn’t work for you.)

Don’t be like most people intend to do things later, reach dreams later – and end up with the dream dying in them. Join now so that you live your dream!
http://www.kickstartcart.com/app/netcart.asp?MerchantID=85979&ProductID=4012797

See you on the team!

About James Burgin tonight

2008-03-25T10:22:00.000-05:00

From: Christine Harvey, Author - In Pursuit of Profit, International Best Seller in 8 Languages

Dear Friends,

Thought you would like to know about this - James Burgin is running a telephone seminar tonight on how to use blogs, social networking sites and online video for marketing our businesses - It’s free – I’ve signed up.

I have great respect for James, having met him at Maui 1 – since then he was selected to design Trump University, so I’m looking forward to seeing what he says.

All best,
Christine
PS Here’s the info below...
_______________
Fr*ee Wildfire Marketing web seminar – Tonight - Tuesday March 25th, at 5 PM Pacific, (8 PM Eastern).

http://www.blazeyourname.com/cmd.php?Clk=2326711

Brandwithin | +1 602 253 1678 | 828 N 6th Ave | Phoenix | AZ | 85003

How to Keep the Deal Closed- - Profit Pointers Curriculum, Issue 8

2008-03-24T15:15:00.000-05:00

WomenForWealth.com, How to Keep the Deal Closed- Profit Pointers™ Curriculum, Issue 8

From Christine Harvey (For application of these principles to: business, real estate, network marketing, personal development, see APPLICATION TIPS below.)

Hi all,

Have you ever faced this situation? You work hard to recruit someone or make a new sale, only to discover that the person changes their mind shortly thereafter.

How valuable would it be to you to have a method for not letting this happen? For keeping the decision intact?

Here it is – simple but powerful. You can master it immediately. You can use it in business, in meetings in the community, even in personal relationships. It’s called Positive Feedback – linked to the person’s goals.

In all my years of selling and training in sales, I’ve never seen a person use this method more effectively than Michael Renz of Mercedes Benz. As I quoted in my book, Secrets of the World’s Top Sales Performers, Michael kept customers from changing their minds in this way.

Here’s an example of how it works. After they agreed to buy a certain car, he’d simply say “Mr. or Ms. Customer, you told me that your objective was to have three things – luxury, high performance, and top safety features. Now you’ve gone through and made your selection. Let’s go down the list of your choices one by one - you see that you’ve achieved your objective of this, this and this. Those are excellent choices. Congratulations.” In this way, the customer feels confident.

By giving a person positive feedback about their commitment - which links to their goals, it reinforces their commitment. They suddenly see that their decision was beneficial to them, and they feel comfortable about it rather than ambivalent or fearful. Thus they don’t change their mind.

The trick is this... you MUST find out what their goals are in advance. The best way is to ASK. Don’t assume you know what another person wants. Don’t assume that each person wants to join your organization to make money, for example. Maybe they are motivated by learning and stepping up the ladder. Don’t assume that one customer wants what the other wanted. Don’t assume that your spouse wants what you want. Find out by asking first, then reinforce their decision afterwards. Guessing or assuming leaves you dead in the water!

So if you want to keep a deal closed, whether it be a sale or a commitment from someone, simply give the person Positive Feedback – linked to that person’s goals.

3 MINUTE FOCUS TIP: The next time someone makes a commitment, tie it down by reviewing their goals and how this commitment meets those goals. In this way, you’ll have far less reversals of decisions.

APPLICATION TIPS:

Business, USE THIS FOCUS TIP to keep sales closed or hire employees.

Real estate, USE THIS FOCUS TIP with your buyers and seller, and all team members to keep decisions intact.

Network marketing, USE THIS FOCUS TIP for recruitment and with your current team members to keep commitments intact.

Personal development, USE THIS FOCUS TIP with yourself to keep your commitments to yourself and others. Also use it with anyone who makes a commitment to you.

REFERENCE RESOURCE: Chapter 4, Pages 49-53, In Pursuit of Profit, by Christine Harvey - an international best seller, published in 8 languages and used by corporations and Institutes of Management around the world.

From ChrisitneHarvey@WomenForWealth.com

       Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide,
            including international best seller ‘In Pursuit of Profit.’
       Why not forward this to another person who can benefit – you’ll be helping them AND the economy at the same time!
        Want to subscribe? Go to this link for info: http://womenforwealth.com/htm/Membership/membershipinvite.htm

Ancient Hawaiian Perspective Manifest Moments=?ISO-8859-1?B?gQ==?=, Issue 4

2008-03-20T09:33:00.000-05:00

Ancient Hawaiian Perspective – Manifest Moments™, Issue 4
From Christine Harvey, WomenForWealth.com

Perhaps the name Joe Vitale rings a bell from the movie ‘The Secret.’

In his 2007 book written with Ihaleakala Hew Len, PhD, called ‘Zero Limits,’ he talks about the ancient Hawaiian teachings of Ho’oponopono. These ancient teachings ask us to take responsibility for everything around us... everything in the universe... everything in our awareness.

When we see something that upsets us – for example perhaps you see a child being chastised by their parent unnecessarily, and your heart goes out to them – or whatever the situation, here’s what they prescribe... an easy 4 part process. We simply need to say to ourselves:
I love you... I’m sorry... Please forgive me... Thank you.

When I first read it, I felt it was too simplistic. As coincidence would have it, I discovered that other people I knew were reading it too, and trying it with success. So I tried it and discovered it works well – it brings instant stress relieve and more importantly – a new perspective. Try it, and see what you think!

3 MINUTE FOCUS TIP: Want to manifest inner peace and tranquility? Think about these 4 short phrases as you go about your day. When something upsetting crosses your path, try uttering these 4 phrases to yourself. See if your stress converts to peace and tranquility.

Free Prizes for trying this principle: I’m so curious about how this works in different areas of life, that I’ve decided to offer a free (surprise) prize to each of you who writes back to say how you have applied this principle and the result you achieved. I’ll share the results with all of you. Simply email me at ChristineHarvey@WomenForWealth.com, and say “Here’s the situation I applied it to...” and “Here’s the result I got...”

Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide, including international best seller ‘Success Motivation in a Week.’
Why not forward this to another person who can benefit – you’ll be inspiring them AND they in turn will inspire the world!
Want to join the next Prosperity Team and skyrocket to your highest goal ever? Email me for details at ChristineHarvey@WomenForWealth.com

------ End of Forwarded Message

Comments: Greenspan article

2008-03-19T08:02:00.000-05:00

Hi Team -
Sue, Jamie, Lori Anne, Alice, Deborah, Heiderose, Rebecca, Noelle, Ann, Lloyd, Johanna, Cecelia, Madeleine, Kate (France), Karen, Louise, Elsie, Theresa (South Africa), Leigh, Karen, Rose, Connie, Amanda Jane, Vickie, Laura, Jamie, Monika, Stacey, Liz, Flo, Viva, Trish, Noelle, Laurie, Darrin, Hilde, (England) Tom, Tommy, and Walter (England).

We’ve had two comments in on the Greenspan article so far – both very interesting. (Greenspan article follows for your review.)
All best,
Christine
As promised, here are the comments:

Comment 1 ...
“Well, I don't think he's saying anything too new or profound for himself.
We witness in this speech, I think, what has guided him all of these years.
He has always known that economics is a social science and his ability to
belay the public nerve deserves him of the title "Maestro", not his ability
to come up with new models. To some extent he is lucky to have been in his
position at such an affluent time but his exit from the position was well
timed. He does not address WAR, or INFLATION or how this administration has
encouraged GREED in OIL and big business. What economic model explains the
price of gas going up while Oil companies make HUGE record profits? Answer
that Maestro.”
T. E. H.

Comment 2...
“Dear Christine, are you aware that on 3/13/08, that there was the 6th closed session of Congress in 176 years? There was alleged info leaked that they discussed more surveillance of citizens because of a alleged possible economic collapse by 9/08 and fed collapse by 2/09 and civil unrest - merging with Canada & Mexico - new currency - paying poor immigrants less money for more work - and so on... this is the latest (rumor?) sent to me by someone who use to work in the government - ... I think Greenspan knows more than he can say or is willing to say and that's why he looks more worried than I've ever seen him look in the past...”
R.M.C.

Yesterday’s email

Hi Team -

TOM AND I SPENT A fair amount of time going through this Greenspan article over dinner last night. Note that his comments were published only 2 days ago. I’ve numbered the paragraphs to make it easier for us to comment on them. One thing about Greenspan is that he loves to use double negatives as he speaks and writes, so it takes a bit of time to absorb his meaning.

Of particular note is P5, where he talks about the level of home prices stabilizing when the “rate of inventory liquidation reaches its maximum,” but that is still “indeterminate number of months in the future.”

Note also P1 where his opening line refers to financial crisis most wrenching since World War II. Please feel free to comment on the article and I’ll distribute it among us.

This is definitely a time for us to all stick together and keep exchanging information. Tom and I visited our banker for a chat last week, and he suggested municipal bonds as a good investment right now. He said to look for those paying over 8%, because that window won’t last long. Later, if the interest rates on similar bonds go down, those high interest rate bonds you bought can be sold at a premium – even for 25 – 50% return on investment. I plan to look for some, and thought that you might be interested too, then we can all exchange information. Caution though – if inflation continues, and you can’t sell off the bond, you could be stuck holding a 30 year bond that’s paying you back in devalued dollars. Tricky business, but I wanted to share what he said with you. As always, you must act at your own risk – this is information only.

I also have an appointment to speak to an international banker at 8 am this morning, referred by one of our members, and I’ll let you all know if something significant comes out of it.

Here’s Greenspan...Don’t forget to comment if something jumps out at you. (That includes our international members – it would be nice to get your perspective.)
All best,
Christine
_______________________________________________________
We will never have a perfect model of risk
By Alan Greenspan
Published: March 16 2008 18:25 | Last updated: March 16 2008 18:25

P1
The current financial crisis in the US is likely to be judged in retrospect as the most wrenching since the end of the second world war. It will end eventually when home prices stabilise and with them the value of equity in homes supporting troubled mortgage securities.
P2
Home price stabilisation will restore much-needed clarity to the marketplace because losses will be realised rather than prospective. The major source of contagion will be removed. Financial institutions will then recapitalise or go out of business. Trust in the solvency of remaining counterparties will be gradually restored and issuance of loans and securities will slowly return to normal. Although inventories of vacant single-family homes – those belonging to builders and investors – have recently peaked, until liquidation of these inventories proceeds in earnest, the level at which home prices will stabilise remains problematic.
P3
The American housing bubble peaked in early 2006, followed by an abrupt and rapid retreat over the past two years. Since summer 2006, hundreds of thousands of homeowners, many forced by foreclosure, have moved out of single-family homes into rental housing, creating an excess of approximately 600,000 vacant, largely investor-owned single-family units for sale. Homebuilders caught by the market’s rapid contraction have involuntarily added an additional 200,000 newly built homes to the “empty-house-for-sale” market.
P4
Home prices have been receding rapidly under the weight of this inventory overhang. Single-family housing starts have declined by 60 per cent since early 2006, but have only recently fallen below single-family home demand. Indeed, this sharply lower level of pending housing additions, together with the expected 1m increase in the number of US households this year as well as underlying demand for second homes and replacement homes, together imply a decline in the stock of vacant single-family homes for sale of approximately 400,000 over the course of 2008.
P5
The pace of liquidation is likely to pick up even more as new-home construction falls further. The level of home prices will probably stabilise as soon as the rate of inventory liquidation reaches its maximum, well before the ultimate elimination of inventory excess. That point, however, is still an indeterminate number of months in the future.
P6
The crisis will leave many casualties. Particularly hard hit will be much of today’s financial risk-valuation system, significant parts of which failed under stress. Those of us who look to the self-interest of lending institutions to protect shareholder equity have to be in a state of shocked disbelief. But I hope that one of the casualties will not be reliance on counterparty surveillance, and more generally financial self-regulation, as the fundamental balance mechanism for global finance.
P7
The problems, at least in the early stages of this crisis, were most pronounced among banks whose regulatory oversight has been elaborate for years. To be sure, the systems of setting bank capital requirements, both economic and regulatory, which have developed over the past two decades will be overhauled substantially in light of recent experience. Indeed, private investors are already demanding larger capital buffers and collateral, and the mavens convened under the auspices of the Bank for International Settlements will surely amend the newly minted Basel II international regulatory accord. Also being questioned, tangentially, are the mathematically elegant economic forecasting models that once again have been unable to anticipate a financial crisis or the onset of recession.
P8
Credit market systems and their degree of leverage and liquidity are rooted in trust in the solvency of counterparties. That trust was badly shaken on August 9 2007 when BNP Paribas revealed large unanticipated losses on US subprime securities. Risk management systems – and the models at their core – were supposed to guard against outsized losses. How did we go so wrong?
P9
The essential problem is that our models – both risk models and econometric models – as complex as they have become, are still too simple to capture the full array of governing variables that drive global economic reality. A model, of necessity, is an abstraction from the full detail of the real world. In line with the time-honoured observation that diversification lowers risk, computers crunched reams of historical data in quest of negative correlations between prices of tradeable assets; correlations that could help insulate investment portfolios from the broad swings in an economy. When such asset prices, rather than offsetting each other’s movements, fell in unison on and following August 9 last year, huge losses across virtually all risk-asset classes ensued.
P10
The most credible explanation of why risk management based on state-of-the-art statistical models can perform so poorly is that the underlying data used to estimate a model’s structure are drawn generally from both periods of euphoria and periods of fear, that is, from regimes with importantly different dynamics.
P11
The contraction phase of credit and business cycles, driven by fear, have historically been far shorter and far more abrupt than the expansion phase, which is driven by a slow but cumulative build-up of euphoria. Over the past half-century, the American economy was in contraction only one-seventh of the time. But it is the onset of that one-seventh for which risk management must be most prepared. Negative correlations among asset classes, so evident during an expansion, can collapse as all asset prices fall together, undermining the strategy of improving risk/reward trade-offs through diversification.
P12
If we could adequately model each phase of the cycle separately and divine the signals that tell us when the shift in regimes is about to occur, risk management systems would be improved significantly. One difficult problem is that much of the dubious financial-market behaviour that chronically emerges during the expansion phase is the result not of ignorance of badly underpriced risk, but of the concern that unless firms participate in a current euphoria, they will irretrievably lose market share.
P13
Risk management seeks to maximise risk-adjusted rates of return on equity; often, in the process, underused capital is considered “waste”. Gone are the days when banks prided themselves on triple-A ratings and sometimes hinted at hidden balance-sheet reserves (often true) that conveyed an aura of invulnerability. Today, or at least prior to August 9 2007, the assets and capital that define triple-A status, or seemed to, entailed too high a competitive cost.
P14
I do not say that the current systems of risk management or econometric forecasting are not in large measure soundly rooted in the real world. The exploration of the benefits of diversification in risk-management models is unquestionably sound and the use of an elaborate macroeconometric model does enforce forecasting discipline. It requires, for example, that saving equal investment, that the marginal propensity to consume be positive, and that inventories be non-negative. These restraints, among others, eliminated most of the distressing inconsistencies of the unsophisticated forecasting world of a half century ago.
P15
But these models do not fully capture what I believe has been, to date, only a peripheral addendum to business-cycle and financial modelling – the innate human responses that result in swings between euphoria and fear that repeat themselves generation after generation with little evidence of a learning curve. Asset-price bubbles build and burst today as they have since the early 18th century, when modern competitive markets evolved. To be sure, we tend to label such behavioural responses as non-rational. But forecasters’ concerns should be not whether human response is rational or irrational, only that it is observable and systematic.
P16
This, to me, is the large missing “explanatory variable” in both risk-management and macroeconometric models. Current practice is to introduce notions of “animal spirits”, as John Maynard Keynes put it, through “add factors”. That is, we arbitrarily change the outcome of our model’s equations. Add-factoring, however, is an implicit recognition that models, as we currently employ them, are structurally deficient; it does not sufficiently address the problem of the missing variable.
P17
We will never be able to anticipate all discontinuities in financial markets. Discontinuities are, of necessity, a surprise. Anticipated events are arbitraged away. But if, as I strongly suspect, periods of euphoria are very difficult to suppress as they build, they will not collapse until the speculative fever breaks on its own. Paradoxically, to the extent risk management succeeds in identifying such episodes, it can prolong and enlarge the period of euphoria. But risk management can never reach perfection. It will eventually fail and a disturbing reality will be laid bare, prompting an unexpected and sharp discontinuous response.
P18
In the current crisis, as in past crises, we can learn much, and policy in the future will be informed by these lessons. But we cannot hope to anticipate the specifics of future crises with any degree of confidence. Thus it is important, indeed crucial, that any reforms in, and adjustments to, the structure of markets and regulation not inhibit our most reliable and effective safeguards against cumulative economic failure: market flexibility and open competition.

The writer is former chairman of the US Federal Reserve and author of ‘The Age of Turbulence: Adventures in a New World’

------ End of Forwarded Message

Important Greenspan article and comments

2008-03-18T06:24:00.001-05:00

I SPENT A FAIR AMOUNT OF TIME going through this Greenspan article with ‘EconomyGuy.com’ yesterday. Note that Greenspan’s comments were published only 2 days ago. I’ve numbered the paragraphs to make it easier for us to comment on them. One thing about Greenspan is that he loves to use double negatives as he speaks and writes, so it takes a bit of time to absorb his meaning.

Of particular note is P5, where he talks about the level of home prices stabilizing when the “rate of inventory liquidation reaches its maximum,” but that is still “indeterminate number of months in the future.”

Note also P1 where his opening line refers to financial crisis most wrenching since World War II. Please feel free to comment on the article and I’ll distribute it among us.

This is definitely a time for us to all stick together and keep exchanging information.

Here’s Greenspan...Don’t forget to comment if something jumps out at you. (That includes our international readers – it would be nice to get your perspective.)
All best,
Christine Harvey@WomenForWealth.com
_______________________________________________________
We will never have a perfect model of risk
By Alan Greenspan
Published: March 16 2008 18:25 | Last updated: March 16 2008 18:25

P1
The current financial crisis in the US is likely to be judged in retrospect as the most wrenching since the end of the second world war. It will end eventually when home prices stabilise and with them the value of equity in homes supporting troubled mortgage securities.
P2
Home price stabilisation will restore much-needed clarity to the marketplace because losses will be realised rather than prospective. The major source of contagion will be removed. Financial institutions will then recapitalise or go out of business. Trust in the solvency of remaining counterparties will be gradually restored and issuance of loans and securities will slowly return to normal. Although inventories of vacant single-family homes – those belonging to builders and investors – have recently peaked, until liquidation of these inventories proceeds in earnest, the level at which home prices will stabilise remains problematic.
P3
The American housing bubble peaked in early 2006, followed by an abrupt and rapid retreat over the past two years. Since summer 2006, hundreds of thousands of homeowners, many forced by foreclosure, have moved out of single-family homes into rental housing, creating an excess of approximately 600,000 vacant, largely investor-owned single-family units for sale. Homebuilders caught by the market’s rapid contraction have involuntarily added an additional 200,000 newly built homes to the “empty-house-for-sale” market.
P4
Home prices have been receding rapidly under the weight of this inventory overhang. Single-family housing starts have declined by 60 per cent since early 2006, but have only recently fallen below single-family home demand. Indeed, this sharply lower level of pending housing additions, together with the expected 1m increase in the number of US households this year as well as underlying demand for second homes and replacement homes, together imply a decline in the stock of vacant single-family homes for sale of approximately 400,000 over the course of 2008.
P5
The pace of liquidation is likely to pick up even more as new-home construction falls further. The level of home prices will probably stabilise as soon as the rate of inventory liquidation reaches its maximum, well before the ultimate elimination of inventory excess. That point, however, is still an indeterminate number of months in the future.
P6
The crisis will leave many casualties. Particularly hard hit will be much of today’s financial risk-valuation system, significant parts of which failed under stress. Those of us who look to the self-interest of lending institutions to protect shareholder equity have to be in a state of shocked disbelief. But I hope that one of the casualties will not be reliance on counterparty surveillance, and more generally financial self-regulation, as the fundamental balance mechanism for global finance.
P7
The problems, at least in the early stages of this crisis, were most pronounced among banks whose regulatory oversight has been elaborate for years. To be sure, the systems of setting bank capital requirements, both economic and regulatory, which have developed over the past two decades will be overhauled substantially in light of recent experience. Indeed, private investors are already demanding larger capital buffers and collateral, and the mavens convened under the auspices of the Bank for International Settlements will surely amend the newly minted Basel II international regulatory accord. Also being questioned, tangentially, are the mathematically elegant economic forecasting models that once again have been unable to anticipate a financial crisis or the onset of recession.
P8
Credit market systems and their degree of leverage and liquidity are rooted in trust in the solvency of counterparties. That trust was badly shaken on August 9 2007 when BNP Paribas revealed large unanticipated losses on US subprime securities. Risk management systems – and the models at their core – were supposed to guard against outsized losses. How did we go so wrong?
P9
The essential problem is that our models – both risk models and econometric models – as complex as they have become, are still too simple to capture the full array of governing variables that drive global economic reality. A model, of necessity, is an abstraction from the full detail of the real world. In line with the time-honoured observation that diversification lowers risk, computers crunched reams of historical data in quest of negative correlations between prices of tradeable assets; correlations that could help insulate investment portfolios from the broad swings in an economy. When such asset prices, rather than offsetting each other’s movements, fell in unison on and following August 9 last year, huge losses across virtually all risk-asset classes ensued.
P10
The most credible explanation of why risk management based on state-of-the-art statistical models can perform so poorly is that the underlying data used to estimate a model’s structure are drawn generally from both periods of euphoria and periods of fear, that is, from regimes with importantly different dynamics.
P11
The contraction phase of credit and business cycles, driven by fear, have historically been far shorter and far more abrupt than the expansion phase, which is driven by a slow but cumulative build-up of euphoria. Over the past half-century, the American economy was in contraction only one-seventh of the time. But it is the onset of that one-seventh for which risk management must be most prepared. Negative correlations among asset classes, so evident during an expansion, can collapse as all asset prices fall together, undermining the strategy of improving risk/reward trade-offs through diversification.
P12
If we could adequately model each phase of the cycle separately and divine the signals that tell us when the shift in regimes is about to occur, risk management systems would be improved significantly. One difficult problem is that much of the dubious financial-market behaviour that chronically emerges during the expansion phase is the result not of ignorance of badly underpriced risk, but of the concern that unless firms participate in a current euphoria, they will irretrievably lose market share.
P13
Risk management seeks to maximise risk-adjusted rates of return on equity; often, in the process, underused capital is considered “waste”. Gone are the days when banks prided themselves on triple-A ratings and sometimes hinted at hidden balance-sheet reserves (often true) that conveyed an aura of invulnerability. Today, or at least prior to August 9 2007, the assets and capital that define triple-A status, or seemed to, entailed too high a competitive cost.
P14
I do not say that the current systems of risk management or econometric forecasting are not in large measure soundly rooted in the real world. The exploration of the benefits of diversification in risk-management models is unquestionably sound and the use of an elaborate macroeconometric model does enforce forecasting discipline. It requires, for example, that saving equal investment, that the marginal propensity to consume be positive, and that inventories be non-negative. These restraints, among others, eliminated most of the distressing inconsistencies of the unsophisticated forecasting world of a half century ago.
P15
But these models do not fully capture what I believe has been, to date, only a peripheral addendum to business-cycle and financial modelling – the innate human responses that result in swings between euphoria and fear that repeat themselves generation after generation with little evidence of a learning curve. Asset-price bubbles build and burst today as they have since the early 18th century, when modern competitive markets evolved. To be sure, we tend to label such behavioural responses as non-rational. But forecasters’ concerns should be not whether human response is rational or irrational, only that it is observable and systematic.
P16
This, to me, is the large missing “explanatory variable” in both risk-management and macroeconometric models. Current practice is to introduce notions of “animal spirits”, as John Maynard Keynes put it, through “add factors”. That is, we arbitrarily change the outcome of our model’s equations. Add-factoring, however, is an implicit recognition that models, as we currently employ them, are structurally deficient; it does not sufficiently address the problem of the missing variable.
P17
We will never be able to anticipate all discontinuities in financial markets. Discontinuities are, of necessity, a surprise. Anticipated events are arbitraged away. But if, as I strongly suspect, periods of euphoria are very difficult to suppress as they build, they will not collapse until the speculative fever breaks on its own. Paradoxically, to the extent risk management succeeds in identifying such episodes, it can prolong and enlarge the period of euphoria. But risk management can never reach perfection. It will eventually fail and a disturbing reality will be laid bare, prompting an unexpected and sharp discontinuous response.
P18
In the current crisis, as in past crises, we can learn much, and policy in the future will be informed by these lessons. But we cannot hope to anticipate the specifics of future crises with any degree of confidence. Thus it is important, indeed crucial, that any reforms in, and adjustments to, the structure of markets and regulation not inhibit our most reliable and effective safeguards against cumulative economic failure: market flexibility and open competition.

The writer is former chairman of the US Federal Reserve and author of ‘The Age of Turbulence: Adventures in a New World’

Become An Influencer of Opinions- Profit Pointers=?ISO-8859-1?B?gSA=?=Curriculum, Issue 7

2008-03-17T08:58:00.000-05:00

WomenForWealth.com, Become An Influencer of Opinions- Profit Pointers™ Curriculum, Issue 7

From Christine Harvey (For application of these principles to: business, real estate, network marketing, personal development, see APPLICATION TIPS below.)

Hi all,

Do you ever need to influence decisions... or address a controversial issue?

If so, try this... I saw the Founder of the Sony Corporation hold an audience of 4500 people spellbound, when he countered their fears that robots could reduce jobs. Mr Morita did it this way. He drew a similarity between robotics and computers - and reminded us of the benefits of new jobs created by computers.

As he spoke in English, from his notes in Japanese, he awed us with his ability to sway opinion. He stressed benefits in order to make his point – benefits everyone could relate to. Like Mr. Morita, when we tell listeners what they get - in other word, tell them the benefits - we have positive influence.

Here’s the opposite way to approach people that doesn’t get results, but is so often mistakenly used.

At one of our ‘Pursuit of Profit Seminars,’ we gave each attendee two minutes to make a point by doing what Mr. Morita had done – to address benefits of their point to the listener.

That assignment caused a light bulb to go on for one attendee. “Oh,” he said in astonishment. ”Now I know why I’m failing to make my point to customers and why no one at work understands me!”

He explained that he always thought that his listeners had to understand the technical side first. “I spent too much time explaining the wiring diagrams of my product before the benefits!” he said. “Now I know I have to talk about what people get, not how it works! Thanks.”

3 MINUTE FOCUS TIP:
Ask yourself this critical question: Are you getting the results you want in terms of influence? Should you be stressing benefits to your listener more too?

When you are pursuing profit and influence, plan everything you say from the point of view of benefits to the listener. Talk about benefits first, talk about features later – if they want to hear more.

APPLICATION TIPS:

Business, USE THIS FOCUS TIP to train employees, or sales people to improve sales and profit. Do it yourself to improve your own influencing ability.

Real estate, USE THIS FOCUS TIP with your assistant, team members and yourself to improve sales, profit and influencing ability.

Network marketing, USE THIS FOCUS TIP with your team members and yourself to improve sales, recruitment, profit and influencing ability.

Personal development, USE THIS FOCUS TIP with yourself to improve your leadership and ability to influence and be persuasive.

REFERENCE RESOURCE: Chapter 3, Pages 43-45, In Pursuit of Profit, by Christine Harvey - an international best seller, published in 8 languages and used by corporations and Institutes of Management around the world.

From ChrisitneHarvey@WomenForWealth.com

       Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide,
            including international best seller ‘In Pursuit of Profit.’
       Why not forward this to another person who can benefit – you’ll be helping them AND the economy at the same time!
        Want to subscribe? Go to this link for info: http://womenforwealth.com/htm/Membership/membershipinvite.htm

Urgent re Economy - Don't Be a Naive American

2008-03-15T16:21:00.001-05:00

From Christine Harvey, WomenForWealth.com
Urgent re Economy - Don't Be a Naive American

Don’t be a naïve American like I was before I moved to England. When Tom and I moved there, we wanted to open a bank account. What we discovered shocked us – and it will shock you if you’ve not heard of ‘exchange control.’

I’m telling you this because this could happen here, and you won’t like it. The British government of that time had a policy that said that no English citizen could remove money from their bank account to go abroad, or to exchange into any other currency, over an amount equal to $100. If they wanted more money than that to take for a vacation just across the channel in France or Germany for example, they would need to apply months ahead – a very bureaucratic process involving discouraging paperwork, uncertainty and delays.

To us at the time, it felt very undemocratic – and it still does. I don’t want to be in a position where the government tells me what I can and can’t do with my money.

But here’s how it comes about and here’s why I say it could happen here. The British government did not want the value of their money to fall. By preventing citizens from changing it to other currencies, they were preventing the sale of it and preventing its downward spiral.

Whenever a government has a crisis with their currency – they think of control tactics. For example in America, during the depression, the US government prevented US citizens from buying gold.

If our government then had such control tactics, we need to realize that our governments of the future could bring in similar controls to stop the free fall of the US dollar.

An interesting trend is starting to occur which could put this kind of pressure on the government. In days gone by, the US dollar was held in high esteem by all citizens of every nation. In nations where currencies were weak, many citizens would exchange their local currencies into dollars and hoard them in a safe place or open a US dollar account IF it was allowed by their governments. Over the last year however, in many of those countries including Ecuador and Peru for example, citizens have been going back to their own currencies and selling off their US dollar hoards. In other words, there is a flight from the US dollar as a secure currency.

That background is simply to tell you this – DON’T BE NAÏVE – don’t think that the future will look like the recent past – the past of your memory in America. Look at the whole world. Look at what governments do when they want to achieve a goal such as holding the value of their currency. Look at what implications that has for you as a citizen. Do you want to own gold? Will this be prohibited in the future as it was in the past in the US? Do you want to hold as many Swiss Francs or Euros as you want? Will this be prohibited here someday as it was in England when Tom and I lived there? And if so, what do you want to do to protect your future now? THAT IS THE MILLION DOLLAR QUESTION.

Last August I started writing to you about the value of the dollar and other currencies such as the Swiss Franc. Let me tell you why this is important to you. Have you ever wanted to go on a vacation to Europe? Or maybe you have and you want to go again. When I wrote to you in August, guess how many dollars you would need to exchange to buy a cup of coffee in Brussels - the European headquarters – in the local pub near where we used to live. In August it cost $5 US dollars. (In the year 2000, it would ‘only’ have cost you $4.) Today, due to the fall of the dollar, you would need to exchange $6.50 US dollars to buy that cup of coffee. That is daunting. Dinner for two in Italy which used to cost $60, now cost $75 some 7 months later. What will a trip to Europe cost you in another 6 months!!!

Perhaps more import is the question of inflation. Let’s say you are never going to go abroad – so you don’t care. Well, the government is printing money and that will affect us too. You’ll need to decide if your money is safer in the bank (or other cash position) or safer in a commodity such as real estate. If the government were to print twice as much money, for example, then prices will double and your money in the bank will then have only half the buying power. Theoretically then, if you had $100,000 in the bank, and the government doubled the number of dollars in circulation, your dollars in the bank would have only $50,000 buying power, but your dollars invested in real estate would be worth double, or $200,000, providing the demand was there for housing. While that’s an oversimplification, it allows you to see the importance of your investment decisions in the days ahead. Would you rather have your $100,000 be worth $50,000 or $200,000?

Tom is keeping us updated through the EconomyGuy.com, and I’ve enclosed the last two issues here for you. If you want to get on the free email list, and start getting these every day, go to EconomyGuy.com and register. Then you can start exchanging your ideas too and everyone can be in the loop during these critical times. Be sure to include your friends in this too.

All best,
Christine Harvey
ChristineHarvey@WomenForWealth.com
PS MORE ABOUT THE ECONOMY BELOW...
_______________________________________________________
From Tom Harvey, EconomyGuy.com, Issue 3-14-08: Flight to Safety

The Bear Sterns announcement today knocked the stuffing out of the stock market and it fell 195 points. See news story below.
Bonds became the “flight to safety” point for all that money, and the 10 year treasury fell 0.11%, a mighty fall.

As promised yesterday, currencies were poised to make new highs, and the Bear Sterns news gave them the excuse they needed. The Euro, Yen, Swiss Franc hit new highs.
Gold closed above $1000 for the first time, and hit $1007 during the day – a new high.

In the news today....

Bear Sterns, that mighty giant of an investment bank, basically is illiquid (or bankrupt if you think about it that way). They had to be bailed out to keep from closing their doors for good. The FED and JP Morgan came to the rescue. JP Morgan will probably purchase Bear Sterns as part of this bail out. How low the mighty have fallen.

How did Bear Sterns become so illiquid – when the FED had just announced its $200B bailout of investment banks??? They had way too many securitized mortgages; couldn’t value them; couldn’t sell them; couldn’t borrow from anyone; and ran out of money (this is the true meaning of illiquidity). The FED’s $200B bail out plan was just TOO LATE. (Now there’s a comment on the FED.)

The question for you today is “How many other financial institutions are on the brink of closing their doors????”

How did the FED conjure up saving Bear Sterns. The FED had to resort to tactics not used since THE GREAT DEPRESSION of the 1930s. Using statues from that time stating the FED can inject funds into a non-depository institution (Bear Sterns is a non-depository institution) in “unusual and exigent circumstances.” WELCOME to UNUSUAL and EXIGENT CIRCUMSTANCES. The FED funding will flow thru JP Morgan into Bear Sterns.

Let this be a big lesson that the FED is here to save the big financial institutions of the US (and abroad?). In my 2nd Dinner Discussion from yesterday, I bemoaned the fact that the economic situation of the US and the world is truly grave, and the FED doesn’t have many tools left to act. Today, the very next day, the bottom fell out of one of the US’s big investment banks, and the FED had to reach into its bag of tricks to save that bank.

More news today....

When the FED meets next week, how much will they lower the Fed Funds Rate? The bond market today is pricing in a 50/50 chance of a full percentage point drop – from 3% to 2%. The market is betting the minimum reduction will be 0.75%.

How about that CPI (consumer price index)? It didn’t change in February!!!!!!! Okay, let’s get real. The official US statistical situation is the inflation did NOT move last month. Did anyone other than me see inflation actually move last month???? The CPI is a joke, and continues to swindle the average US citizen, or at least it totally misleads the average US citizen.

Dinner Conversation for Tonight

In the international economic community the US is perceived at devaluing its way to prosperity. That’s the statement for you to debate with your friends, strangers and lovers.

My Two Cents is that this is a great (and possibly only) tactic left to the US to work its way out of the hole it has dug for itself. A massively devalued Dollar would encourage massive exports – and might even balance the trade deficit, or heaven forbid, pay the deficit back. A massively devalued Dollar implies a massively inflated Dollar – so hold onto your wallets as the FED and government sticks their hand into it (stealthily – that’s the way of inflation.)

Here are today's Numbers:
Dow Jones 30 Industrial – 11,951 (Down 195 points)
10 Year Treasury Bond - 3.42% (Down 0.11%)
Euro - $1.5676 - a NEW HIGH – The Yen hit 98.9/$, and the SFr is now worth more than $1. ALL NEW HIGHS
Gold - $1000 (Up $6) - Gold reach a NEW HIGH OF $1007 interday today.
Oil - $110.21 (Down $0.12)
Gasoline - $2.69 (Up $0.01)

Feel free to forward this newsletter to others who might be interested. Or better yet, have them subscribe themselves at http://EconomyGuy.com
______________________________________________________________
From Tom Harvey, EconomyGuy.com, Issue 3-13-08: Interesting Times Indeed

Stock dropped dramatically at the opening of the market today, and swept upward throughout the day to end up 35 points. Why? You ask?   Well, S&P came out today and said that all those financial institutions are near the end of their liquidity write downs. Do you believe that? Well, the market did. I don't. Carlyle Capital is rumored to be about to be taken over by the banks that lent it a bundle of money - as Carlyle lost a bundle on the sub-prime meltdown mess, and the banks want their money back. This shook the market at the beginning as it is proof that the FED moves are NOT working. I think this is closer to the truth. (Oh, by the way and in the spirit of full disclosure, today I sold the overwhelming majority of the stocks that I own; much to the chagrin ("but, you won't be owning any stocks!!!") of my stock broker. I did this based on the confirmation of the bear market a couple of days ago.)

Bonds are amazing. If you remember yesterday I said that bonds were having excessive volatility?? Today they swung from 3.40% to 3.55%, ending at 3.54%. That 0.15% swing is EXCESSIVE in classic bond markets. We live in interesting times.

Yesterday I predicted that the Euro was poised to break through $1.56, and it did it today, ending at $1.5621, and hitting a new high of $1.5625 along the way. The currency traders are now looking at $1.60 as the next barrier for the Euro to rise to. If this happens quickly, the Dollar would be classified as being in a rout. From a purely technical viewpoint, the Dollar is still losing value "in an orderly fashion". By "orderly" I mean that there is no "gapping" in the price history. Gapping is when the value of anything closes at one number, and opens at an entirely different number - and there has been no trading in between those numbers. (For example, the Euro closed today at $1.5621 - and IF it opened tomorrow at $1.57, and kept going up - that would be a gap.) If a gap ever occurs in Dollar trading, the currency market will be no longer "orderly", but will be in chaos - as will the future of the US Dollar. I'm telling you this, so you can look for it yourself.

Gold hit a new high today of $1001, and closed at $994. Gold is in, and the Dollar is out.

In the news today....

Retail sales were down 0.6% in February, and this was worse than predicted by the world's greatest economists. Retail sales represent how much money private individuals are spending in the US Economy, and it represents at least 2/3 of the total economy. In a related move, "most economists say that a RECESSION is here."

Where were these great minds four months ago when I told you the same thing? All they have to do is read the EconomyGuy. The readers of the EconomyGuy can be content in knowing that you are months ahead of the thinking of the greatest economics minds in the US.

Import prices rose 0.2% in February - not so bad, I hear you say??? Well, that follows a 1.6% rise in January, and a year over year rise of 13.6%. Now 13.6% is a BIG NUMBER in anyone's book. But, they are only imports - you say??? Yes, only imports, and a big chunk of that rise is in our imported oil prices. However, all other imports are rising too. Even those from China - though not as fast as the rest of the world. What does this mean to you and me??? It means that INFLATION is here, and we're definitely seeing it in the import sector. Soon you will be seeing it in the domestic sector too - even through the exceptionally misleading CPI.

Secretary of the Treasury Paulson said today that the US needs "tougher oversight on mortgage originators by the credit rating agencies." Basically, Paulson is saying we can't let the sub-prime mortgage mess ever happen again. Where was he when it happened the last time around?? He was the head of Goldman Sachs, an investment banking financial institution - just like the ones who thought up this mess. So, he's blaming the mortgage originators!!!!! And, he's blaming the credit rating agencies!!!!! Well, they both have a lot to answer for; that's for sure. But, so do the financial institutions that greased the skids by pouring money into the mortgage originators, and then selling all that "securitized sub-prime mortgage paper." Also, I will end by saying that having the credit rating agencies have oversight of the mortgage originators is like letting the cat in the chicken coop. (Paulson is saying that "business as usual" is great - don't create a big NEW bureaucratic organization to oversee this business - just hold the "already failed" business construct more accountable???)

Dinner Conversation for Tonight

Chrysler announced today that it will be shutting its doors for 2 weeks during the summer - so all the employees can have a great vacation. Think about this announcement. If business were brisk, would Chrysler be doing this?? No!!!!!!   This is just another sign of our "recession." I wonder if anyone will start using the word "depression" soon? Will you??

Second Dinner Conversation for Tonight

I have been excessively lengthy in writing the EconomyGuy today. Here's why. I sense a shift in the nervousness of ALL the markets. That's why I report on all the markets. All the markets are moving much faster and further than they have in the recent past. I am concerned at this trend, and I sincerely hope I am wrong in being nervous. However, if this increased volatility and ever increasing "NEW HIGH's" that I report (below every day) continues, we could be in for some big surprises as the FED and the US Government doesn't have a lot of tools left to handle the situation. The FED has shown panic in my opinion by its actions over the past 3 months. What else could happen?? That's for you to discuss among yourselves.

Here are today's Numbers:
Dow Jones 30 Industrial - 12,146 (Up 36 points)
10 Year Treasury Bond - 3.54% (Up 0.05%)
Euro - $1.5621 - a NEW HIGH
Gold - $994 (Up $13) - Gold reach a NEW HIGH OF $1001 interday today.
Oil - $110.33 (Up $0.44)
Gasoline - $2.68 (Down $0.05)

Leave your comments/questions about this issue at: http://www.economyguy.com/blog/interesting-times-indeed/ <http://clicks.aweber.com/y/ct/?l=9Y3NV&m=1b0CN3XGRCW8X9&b=beTjBHcS_D_CjcUst.xHcA>

Feel free to forward this newsletter to others who might be interested. Or better yet, have them subscribe themselves at http://EconomyGuy.com <http://clicks.aweber.com/y/ct/?l=9Y3NV&m=1b0CN3XGRCW8X9&b=NM24RwFmcmXABisHclDeNA>

------ End of Forwarded Message

Success IS Predictable Manifest Moments=?ISO-8859-1?B?gSA=?=Curriculum, Issue 3

2008-03-12T22:27:00.001-05:00

Hi All,

‘Manifest Moments™’ are a series of inspirational pieces. What does this have to do with Wealth Building, you might ask? “Everything,” I would answer. After all, if we think from the point of view of lack, we’ll manifest lack. On the other hand, if we think from the point of view of abundance, abundance comes to us – and we’ll see it at every turn.

So, here’s today’s Manifest Moment. It should take you less than 3 minutes to read and implement – AND give you a week’s worth of contemplation
_________________________________________________________________
Success IS Predictable – Manifest Moments™ Curriculum, Issue 3
From Christine Harvey, WomenForWealth.com

Tomorrow I’ll be addressing a group of Air Force Commanders spouses and here’s what I’m going to tell them...

First I’m going to talk about the successes those of you on the last Prosperity Teams™ had! Yes – I’m going to brag about you!!!

Then, I’m going to throw them straight into exercises – just like you had ... they’ll list a page full of their achievements, then pair up with a partner and let the partner tell them about a quality they see in their partner based on the achievement.

Why not think about that for yourself right now? I say this because success in predictable – When you use a tried and true technique, you WILL succeed. The problem is that most of us don’t stop to analyze our successes and reasons for success.

Next, I’ll have them list an audacious goal for their future. Then their partner will remind them of their unique quality and use it as proof that they CAN reach that future goal too by using that unique quality. (What comes to mind for yourself from this?)

I’ll then demonstrate our power formula for the Prosperity Team™ 12 sessions – after the Powerhouse of Achievements comes the Prosperity Exercise (the goal, the why, the business skill or the obstacle circumvention) - then the Prosperity Solution to an important goal related question, and the Propeller Segment where we name the single action that will propel us closer to our goal this week.

Sound like fun? They, like you, will be able to predict their success.

3 MINUTE FOCUS TIP: Use this as a refresher - Review your own successes in life, then identify your unique talent and apply that talent to achieving your future goal.

Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide, including international best seller ‘Success Motivation in a Week.’
Why not forward this to another person who can benefit – you’ll be inspiring them AND they in turn will inspire the world!
Want to join the next Prosperity Team? Email me for details. From ChristineHarvey@WomenForWealth.com

Increase Business 30% by Stressing Benefits- - Profit Pointers Curriculum, Issue 6

2008-03-10T09:34:00.000-05:00

WomenForWealth.com, Increase Business 30% by Stressing Benefits- Profit Pointers™ Curriculum, Issue 6

From Christine Harvey (For application of these principles to: business, real estate, network marketing, personal development, see APPLICATION TIPS below.)

Hi all,

In our Pursuit of Profit Seminars, we ask attendees to circulate around the room and tell other attendees the benefits (not the features) of their own products and services. They have 60 seconds to tell each person a benefit, then rotate to the next.

Can you guess what happens? They soon start falling into the trap of describing the features, not the benefits. They start saying for example, “This fax machine has group xyz digital transmission technology,” instead of the benefit - “With this machine your fax can be received across the world in 30 seconds.” When you talk benefits, you talk about what the customer gets. When you talk features you talk about what the product has or does.

It takes concentrated thought and practice to stick to the benefits, but the rewards are enormous. It’s quite common for people to write to us after the seminar and report 30% and higher sales resulting from the practice of stressing benefits instead of features with their customers. When we talk benefits, customer immediately see the benefit to them. When we talk features, they don’t – and they don’t buy.

What about you? Can you and your team talk, write and think benefits instead of features? Most people can’t, but with practice, most can improve. But first the mind set has to be right.

Here’s what holds people back from recognizing of discussing benefits...

They mistakenly think that benefits are obvious and don’t need to be mentioned.
They confuse the benefit with the feature.
They fear that mentioning the benefit will sound too assertive.

Benefits should be used in all of the following areas:

Getting appointments
Any meeting to get our point across
In public speaking to make our point
In personal life to make our point
In sales presentations
All company brochures and advertising
Letters and emails
Contracts and proposals

So, if you want to increase results, increase your ability to discuss benefits to your customers first. Do it by repetition and practice.

3 MINUTE FOCUS TIP: It’s never a problem for people to identify features of their product or service. So just make a list of all features, then next to it write a benefit. In this way, you will have a long list of benefits. If you want to increase business by 30%, talk benefits first, not last!

APPLICATION TIPS:

Business, USE THIS FOCUS TIP to train employees, or sales people to improve sales and profit. Do it yourself to improve your own capabilities.

Real estate, USE THIS FOCUS TIP with your assistant, team members and yourself to improve sales and profit.

Network marketing, USE THIS FOCUS TIP with your team members and yourself to improve sales, recruitment and profit.

Personal development, USE THIS FOCUS TIP with yourself to improve your leadership and ability to be persuasive.

REFERENCE RESOURCE: Chapter 3, Pages 40-42, In Pursuit of Profit, by Christine Harvey - an international best seller, published in 8 languages and used by corporations and Institutes of Management around the world.

From ChrisitneHarvey@WomenForWealth.com

       Christine Harvey is the Author of 6 Business and Leadership Books published in 25 languages by 48 publishers worldwide,
            including international best seller ‘In Pursuit of Profit.’
       Why not forward this to another person who can benefit – you’ll be helping them AND the economy at the same time!
        Want to subscribe? Go to this link for info: http://womenforwealth.com/htm/Membership/membershipinvite.htm

Women for Wealth.com

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Comments: Greenspan article

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