FINAL sheets reordered (1)

Community Financial Education Campaign
Sponsors Fulfill Their Organizational Objectives
as They Support the Financial Literacy Movement
Financial illiteracy has reached epidemic proportions in our country, causing major
problems at both the community and national levels. Dealing with financial issues has a
direct impact on one’s emotional state, work productiv ity, stress levels, and relationships.
Financial worries are the top reason students decide to drop out of college. This epidemic
hurts not only individuals, but the whole community.
But we didn’t just come to you with a problem: we’re here to offer a partial solution. With the
support of our community leaders, we can raise awareness about financial literacy while
empowering citizens with practical money skills.
We are bringing a comprehensive financial literacy campaign to the community and we need
your support. The campaign includes both financial education resources and a high-profile
awareness initiative. The benefits package helps sponsoring organizations accomplish their
own business objectives while they empower citizens in their community with knowledge about
personal finances.
1) Education 2) Awareness 3) Sustainability
Delivering a real world
financial education to
the community.
Raising awareness for the
financial literacy campaign
and our sponsors.
Delivers a measureable
ROI to our sponsors &
supporters.

Introducing The Publishers !
Carol Walker has 25 years experience as a professional insurance
agent, working in the employee market, specializing in employee
benefits in Fort Worth.
Don Walker is a CPA practicing with over 30 years experience in
Fort Worth as well. Don’s focus is Tax work for both the business
market and for individual employees.
In addition to his CPA Practice, as a family business, Walker
Publications published over 400 magazines for Chambers of
Commerce in many cities for 14 years.
Carol is in the employee benefits market in Fort Worth. She
markets supplemental benefits and life insurance on payroll
deduction bases. She and Don along with an attorney friend conduct
Financial Wellness Workshops.
Carol and her son Chip published newspapers from 1995 to 2003.
Carol and Don Walker are happy to announce that they are
presently publishing Living Better Magazine. It is a Free
Community Educational Magazine and a Website. The Employee
Training and Motivation is on line as video and self-study.
Livingbetteritv.com is targeting the employee market.
You’re invited to join them for the promotion and distribution of
the Livingbetteritv.com magazine.. They’re
setting up distribution...and it’s FREE to area employees.
The advertising strategy is unique. The mass marketing is to
geographical locations with a very much appreciated FREE
community educational program! Our objective is to reach
thousands of employees in the workplaces and to stay there. We do
that with follow up phone calls and E-newsletters!
We will distribute 2500 printed pieces (2500-5000 shared
readership). You’re Invited to Join Them!

CONVERSATIONS THAT MATTER
Preventing Sexual
Misconduct in the
Workplace
PROACTIVE FIRST STEPS

Introduction
Oprah Winfrey summed it up succinctly in her Golden Globe Awards speech as
she accepted the Cecil B. de Mille Award for Lifetime Achievement at this year’s
gala. “Their time is up.”
Her speech was influenced by allegations, which came to light in early October
from more than 80 women, that Harvey Weinstein sexually harassed and sexually
assaulted them in Hollywood over several decades. After the accusations were
made, the film producer was terminated from his company and ejected from the
Academy of Motion Picture Arts and Sciences.
Shortly after that, actor Alyssa Milano sent a tweet asking people who have been
sexually harassed or assaulted to write ‘me too’ as a reply in order to give people
a sense of the magnitude of the problem. By the following day, it had gone viral,
with more than 53,000 people leaving comments and thousands of women
sharing their related stories of harassment and assault.
Since then, several high-profile businessmen, actors, politicians and others have
left their jobs or been fired in relation to allegations of harassment, including Today
show co-host Matt Lauer, Fox News anchor Bill O’Reilly, and Oscar-winning actor
Kevin Spacey, who was removed from a completed movie.
In its article naming “The Silence Breakers” as its Person of the Year 2017, Time
magazine said:
“This reckoning appears to have sprung up overnight. But it has actually been simmering for
years, decades, centuries. Women have had it with bosses and co-workers who not only cross
boundaries but don’t even seem to know that boundaries exist. They’ve had it with the fear
of retaliation, of being blackballed, of being fired from a job they can’t afford to lose. They’ve
had it with the code of going along to get along. They’ve had it with men who use their power
to take what they want from women. These silence breakers have started a revolution of
refusal, gathering strength by the day, and in the past two months alone, their collective anger
has spurred immediate and shocking results: nearly every day, CEOs have been fired, moguls
toppled, icons disgraced. In some cases, criminal charges have been brought.
“Emboldened by (Ashley) Judd, Rose McGowan and a host of other prominent accusers, women
everywhere have begun to speak out about the inappropriate, abusive and in some cases illegal
behavior they’ve faced.”
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The Business Case for Stopping and Preventing Harassment
(Based on the June 2016 Report of the Co-chairs of the EEOC Select Task Force on the Study of Harassment
in the Workplace https://www.eeoc.gov/eeoc/task_force/harassment/upload/report.pdf)
“Employers should care about stopping harassment because harassment is wrong – and, in many
cases, it is illegal. Workplace harassment can produce a variety of harms – psychological, physical,
occupational, and economic harms that can ruin an employee’s life.
However, moral obligation and legal duty are not the complete story. Employers should also care about
stopping harassment because it makes good business sense.
Along with direct financial costs associated with harassment complaints, time, energy, and resources are
diverted from operation of the business to legal representation, settlements, litigation, court awards,
and damages.
“The business case extends far deeper. It encompasses employees who endure but never report
harassment, as well as coworkers and anyone else with an interest in the business who witness or
perceive harassment in the workplace. When accounting for all those affected by it, harassment
becomes more insidious and damaging. In addition to the costs of harassment complaints, the true cost
of harassment includes detrimental organizational effects such as decreased workplace performance
and productivity, increased employee turnover, and reputational harm.”
Direct Financial Costs of Harassment
Charges of harassment come at a steep cost for employers. In 2015, 5,518 charges involving allegations
of harassment were resolved by the EEOC in favor of the charging party, resulting in $125.5 million
in benefits for employees. Since 2010, employers have paid out $698.7 million to employees alleging
harassment through the Commission’s administrative enforcement prelitigation process alone.
One estimate of settlement payments and court judgments solely in 2012 for harassment lawsuits
clocked in at over $356 million. The largest sexual harassment jury award in 2012 totaled $168 million.
Indirect Costs
Employees experiencing sexual harassment are more likely to report symptoms of depression, general
stress and anxiety, posttraumatic stress disorder (PTSD), and overall impaired psychological well-being.
Sexual harassment has also been tied to psychological effects such as negative mood, disordered...
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...eating, self-blame, reduced self-esteem, emotional exhaustion, anger, disgust, envy, fear, lowered
satisfaction with life in general, and abuse of prescription drugs and alcohol. Physical harm can also
result. Studies have linked sexual harassment to decreased overall health perceptions or satisfaction,
as well as headaches, exhaustion, sleep problems, gastric problems, nausea, weight loss or gain, and
respiratory, musculoskeletal, and cardiovascular issues.
The damaging personal effects of harassment are not limited to victims. There is growing
understanding that employees who observe or perceive mistreatment in their workplace can also
suffer mental and physical harm.
“It follows, then, that when employees are suffering harassment, the work can suffer. It is well
established that workplace harassment and conflict can result in decreased productivity.”
Studies focusing largely on sexual harassment have found that harassment is associated with
debilitating job dissatisfaction and work withdrawal. This largely takes form as disengagement
from work, which is manifested as distraction, neglecting a project, malingering, tardiness, or even
excessive absenteeism.
Often, work time is spent talking about the harassment with others, seeking personal treatment
or assistance, reporting the harassment, and navigating the complaint and investigation processes.
Work withdrawal and disengagement due to harassment can also go beyond the individual to affect
team and group relationships. The mere awareness of sexual harassment among a work group can
create a tense environment, negatively influencing the group’s day-to-day functioning.
“All of this is a drag on performance – and the bottom line.”
Perhaps most costly of all, workplace harassment can lead to increased employee turnover.
In 1994, the Merit Systems Protection Board conservatively estimated that over two years, as a
result of sexual harassment, job turnover ($24.7 million), sick leave ($14.9 million), and decreased
individual ($93.7 million) and workgroup ($193.8) productivity had cost the U.S. government a total
of $327.1 million.
An additional cost to consider is the damage workplace harassment can inflict on a firm’s reputation.
For example, studies have linked sexual harassment to negative effects on a firm’s ability to attract
employees. A 2008 study of the impact of sexual harassment on a consumer brand found that
prospective employees’ perceived sexual harassment in a sales workplace was negatively related to
their intentions to work for the firm.
The ability of a firm to retain customers and clients, or attract new ones, could also be affected.
Studies demonstrate that perceived sexual harassment in the workplace has a negative effect on
attitudes toward the brand and brand image.”
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Why is Training Important?
Many people feel they don’t need training. Others feel that they don’t need to be
told how to behave. The truth is, we all need some help with basic skills, especially
since the legal aspect of harassment is changing constantly.
Training can help prevent sexual harassment
Harassers may think twice about their behavior, victims will know how to prevent
and confront harassers, and managers will be prepared to prevent and deal with
these types of situations. Training is also an excellent opportunity to review your
sexual harassment policy. Most good training programs also help people identify
ways to reduce their risk of harassment and educate victims on what to do if they
are harassed.
Training increases morale
It tells employees that you care about them and their well-being. It also sends the
message that you’re willing to listen and confront this type of behavior.
Training can reduce your liability if a complaint is filed
A large part of sexual harassment complaints center around the notion of a
hostile environment, an environment that is poisoned against a particular group.
If an environment is found to be hostile, the employer will likely be liable for any
harassment complaints.
Employees, managers, and those involved in the complaint resolution process
should all receive different types of training geared towards the role that they
will play. Everyone should know how to protect themselves and others from a
harassment complaint, and what to do in the event that a complaint is filed.
“Harassment in the workplace will not stop on its own – it’s on all of us to be
part of the fight to stop workplace harassment. We cannot be complacent
bystanders and expect our workplace cultures to change themselves.”
—Report of the Co-chairs of the EEOC Select Task Force on the Study of
Harassment in the Workplace
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FREE COMMUNITY EDUCATIONAL COURSES
Knowledge should be free. Education should be free! Every month thousands of people
search for free online courses but very few are available. After all, there isn’t much profit
in giving away online courses. As the popularity of brick-and-mortar schools wanes, we
believe that more and more free online courses will become available.
We are Professionals that believe in giving back to our community. We decided in 2013
to create as many free educational courses as our time allowed. We have free Career
and Personal Development Courses to study for a certificate after passing tests. We
love knowledge. We love free! Free knowledge via free online courses is a wonderful
thing!
Why don’t more websites offer free online courses? The answer should be obvious.
Money! There’s no money in offering free products or services. Luckily for us all, there
are several Sponsors and Advertisers and Other organizations that firmly believe in
the importance of education. These generous donors have stepped forward to provide
the financial resources needed to offer free courses.
If you’re looking for free online courses, don’t overlook the obvious. Most of the free
courses you’ll find online are not accredited. You won’t be able to become a nurse
taking free online courses. You won’t be able to receive a Bachelor’s degree by
completing courses online, no matter how high your grades are. Reality is reality. Most
free online courses are offered for self-improvement and to learn a new subject. If you
absolutely need an accredited degree, you shouldn’t expect to be able to earn one
online for free.
PLEASE GO TO WWW.LIVINGBETTERITV.COM. USE THE SEARCH BAR TO SEE
THE MANY TOPICS OFFERED. SOME ARE INSTRUCTOR LED BY VIDEO,AND
MOST ARE PRE-PRINTED AND DOWNLOADABLE FOE SELF-STUDY.
PLEASE CALL 817-353-8004 FOR MORE INFORMATION.
“YOUR INVESTMENT IN YOURSELF IS
THE BEST INVESTMENT YOU CAN
MAKE!” WARREN BUFFETT

(NU) - Leslie Balfaqih couldn’t
believe how much money she and
her husband wasted every month.
“Our financial life was a mess,”
Leslie says from her home in Florida.
“To say we were disorganized
is putting it mildly.”
Like so many Americans, they
didn’t have a plan for their money.
The problem is often not how
much money a family makes, but
that they have no idea what they’re
spending it on. Seventy-eight percent
of full-time workers say they
live paycheck to paycheck, according
to a recent report from Career-
Builder. Worse, most feel it will always
be that way. But it doesn’t
have to be.
Financial experts agree that the
best way to break the vicious cycle
of scrambling to make ends meet
is by having a written budget and
sticking to it. Leslie heard about a
website, EveryDollar.com and the
EveryDollar budgeting app that
makes it simple to create a budget,
manage money, and track spending.
They signed up, set up their
budget, and they’ve stuck to it for
years. “We paid off $165,000 in
debt since we got started. Now
we’re in a position to be completely
debt-free, including our house
and rental property, in the next
three years.”
The “B” word has gotten a bad
rap. Budgeting sounds hard. It
sounds restricting. Frankly, it
sounds boring. But people who’ve
made budgeting the center of their
financial behavior have discovered
quite the opposite. The technology
behind apps like EveryDollar
make budgeting easy. Rather than
feeling restricted, they say it feels
as if they have permission to spend
MONEY
Is A Debt-Free Life
Possible?
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- just not permission to waste.
Sierra Schmidt was surprised
by how much having a budget
changed her attitude. She’s a single
mother in Spokane, Washington,
whose bills include daycare, rent,
and student loans. “I felt so far behind
every month, and things
seemed hopeless,” she says.
“Now, I keep track of every
dollar, and the numbers are right in
front of me. I’m getting ahead instead
of falling behind. Every
month I feel more confident that I
can wipe out the debt that’s been
so stressful.”
Sierra and Leslie empowered
themselves to take control of their
money. You can too. Creating a
budget and sticking to it could
change your life and help you take
control of your money in the new
year.
EveryDollar is a free budget
app that allows users to create customized
monthly budgets, and
seamlessly track expenses, income
and savings from the convenience
of their computer and phone. It’s
available for both iOS and Android
devices. EveryDollar launched in
March 2015 and now has more
than three million users.
Learn more by visiting
www.everydollar.com.

MONEY
How to Increase Your
Savings on Your Terms
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(NU) - “You need to save money.”
You tell yourself this. Others tell you
this too. However, according to the
2015 FDIC National Survey of Unbanked
and Underbanked Households*,
approximately nine million
U.S. households don’t use any type
of bank account to save their money.
Since banks tend to offer similar
products and services, even those who
do save often don’t see a need to explore
their options. Understanding the
ins and outs of saving for the future
is the first step to becoming a successful
saver.
It’s important to note that all savings
accounts are not created equal.
Online bank accounts often offer
higher yields than traditional bank
branches, with savings account interest
rates and certificate of deposit
(CD) interest rates that are higher than
the national average annual percentage
yield (APY).
For instance, Goldman Sachs
Bank USA (GS Bank) empowers consumers
to save by offering a high
yield savings account and CDs to help
achieve savings goals, while at the
same time providing the convenience
and the security of a traditional bank.
Additional advantages include no
minimum deposit required to open an
account, no transactions fees and only
a $1 balance required to earn the APY
associated with an account. With the
backing of Goldman Sachs, GS Bank
customers have access to a range of
savings products that will help them
save, as well as the expertise of a 148-
year-old financial institution.
Digital alternatives to traditional
banking don’t have the overhead that
comes with managing branches and
are therefore able to be more competitive
with their rates, providing consumers
with a realistic way to accumulate
savings with higher interest
rates and a stronger financial portfolio.
Accumulating savings can be difficult
at any age. Here are some small
steps that can make a big difference
in the long run:
Make a budget: If you don’t
know what you’re spending each
month, start paying attention. Track
your spending for a few months and
make a budget to live by. Track the
money you save by eliminating unnecessary
spending and put it right
into your online savings account.
Split-deposit paychecks: Consider
having your employer split-deposit
your paycheck to your checking account
and a separate high-yield savings
account. This way, saving becomes
automatic and because your
savings account is separate, you
might be less tempted to spend it.
Manage spending: For instance,
you could save money by bringing
your lunch. If, for example, you average
$8 a day for lunch at work,
that’s $40 per week and $2,000 per
year. It adds up. If you were to bring
your lunch from home for about $2
per day, you could achieve a savings
of $1,500 per year to add to your savings
account. Homemade sandwiches
taste pretty good when you’re watching
your savings grow.
Sock your money away: Once
you accumulate significant savings,
you may want to move some of your
savings to an FDIC-insured fixed-rate
CD account to lock in an interest rate.
A CD is a type of savings tool that offers
a higher rate than most standard
savings accounts. Generally, there is
little risk and most typically don’t
have monthly fees.
Keep your savings safe and secure:
Consider keeping all or a portion
of your core savings in an FDICinsured
bank. This can mean keeping
your money in savings or CD accounts
that are insured by the FDIC
up to the maximum allowed by law.
According to the FDIC**, since the
FDIC was established in 1933, no depositor
has lost a penny of FDIC-insured
funds. For more information
about FDIC deposit insurance coverage
and limits, visit FDIC.gov/deposit.
As you work towards achieving
your savings goals, you can learn
more about savings strategies and financial
insights from GS Bank by visiting
www.GSBank.com. Have additional
questions? You’ll find someone
to connect with at 1-855-730-SAVE
(7283). Start saving more right now
to make a difference for your future.
*2015 FDIC National Survey of Unbanked
and Underbanked Households (link to:
https://www.fdic.gov/householdsurvey/)
**According to the FDIC (link to:
https://www.fdic.gov/deposit/deposits/)

MONEY
7 Steps to Get Financially
Fit in 2018
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(NU) - As 2017 draws to a
close, you may be thinking about
next year’s resolutions. While
many of us vow to get to the gym,
you may want to consider getting
fit in your personal finances before
2018 even begins.
Here are seven money moves
to make before the clock hits midnight
that will start your year on
the right foot.
• Declutter and sell: Have an
aunt that gives you an ugly sweater
every holiday? Consider selling
your unwanted clothes, gift cards,
electronics, and the like, online.
Sites such as Raise, thredUP, and
Ebay are great places to sell your
unwanted items and earn extra
cash.
• Start investing: Investing
doesn’t have to be scary. And you
can start small (such as taking the
extra cash you earned from selling
your unwanted items!). The easiest
way to start investing is to make
sure you are enrolled in your employers’
retirement savings plan.
You can also use apps such as
Stash, Robinhood, or Acorns to begin.
• Check your credit report:
Planning on making any big purchases
in 2018? Your credit report
contains information about the status
of your credit accounts and
your bill-paying history. The Consumer
Financial Protection Bureau
(CFPB) recommends checking
your report at least once a year, and
check again before applying for
loans for big purchases such as cars
or a home. Keep in mind that if
your credit is frozen, you can anticipate
a $20-$30 charge to unfreeze
your credit so a report can
be run.
• Make a plan to ditch your
debt: Evaluate all the different
loans and any credit card debt that
you’ve accrued and consider combining
them into a single loan with
one easy payment. A loan with
LendingClub transfers all your different
debts into one place, and
with a much lower interest rate.
“Managing one payment is a
lot easier,” says Alia Dudum, consumer
debt expert for Lending-
Club.
“With lower interest rates on
your debt through loan consolidation,
you're setting 2018 up as your
best year yet.”
• Create a budget: Ah, the
dreaded “B” word. To avoid taking
on even more debt in 2018, make
a budget to plan your spending.
Think about your net income, allocate
10 percent of your paycheck
to your savings, itemize necessary
expenses, and then you an use
what’s leftover for vacations, shopping,
and eating out.
• Take a money minute: Get
into the habit of scheduling time to
look at your spending and checking
in on your financial goals. Put
an alert on your calendar to check
it once a week. You should also
make this a family affair by scheduling
meetings with your spouse,
parents and children to talk about
your financial status and your financial
goals.
• Reward yourself: If your
downfall is spending and racking
up credit card debt, for example,
allocate a small amount of money
to treat yourself to something small
once you have reached a specific
financial goal, such as paying off
that one credit card, not eating out
every day, or sticking to your budget.
LendingClub is a smarter way
to take your debt head-on in 2018.
For more ideas on how to make
2018 a prosperous year, visit
www.lendingclub.com to connect
with experts who can help.

MONEY
Wisdom of Experience: Lessons From Boomers and Retired Investors
NewsUSA
NewsUSA
(NU) - Sponsored News - Although experienced investors say guarding their retirement savings
during market volatility is a top priority, more than half aren’t aware that index funds won’t
protect their nest eggs against market downturns, according to a recent survey. The survey, “The
Wisdom of Experience,” covered investors age 50 and older with $100,000 or more in investable
assets. It was commissioned by American Funds, a family of mutual funds from Capital
Group, which manages approximately $1.4 trillion in long-term assets for millions of individual
and institutional investors.

(NU) - Today’s economy isn’t
just frustrating for those without
jobs – limited budgets can do a
number on employed workers’
morale as well. Exemplary employees
might not be awarded
with raises, no matter how much
effort they put into their projects.
Employers unable to afford larger
salaries may see their best employees
looking elsewhere.
But some companies are finding
way to keep employees happy
by cultivating employeefriendly
office cultures. For
example, in the fall of 2010,
Washington, D.C.’s Office of the
Chief Technology Officer implemented
a Results Only Work Policy
(ROWE), which pays employees
for results, not the hours
that they work. This means that
employees are able to work when
or wherever they want, so long as
their work gets done. In places
where it has been tried, ROWE
not only boosts morale and retention,
but also improves output.
Of course, not every company
is willing to redo its entire
work structure. That doesn’t
mean that they can’t find less
drastic ways to boost morale.
Here are some of the many ways
that companies can make the
workplace more attractive for
employees:
• Acknowledge employees’
contributions. Employees who
work hard without recognition
are likely to lose morale. Even if
a company can’t provide raises,
BUSINESS
Companies Seek
Happy Employees
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Acknowledging employees
improves morale.
managers can give out certificates
or plaques acknowledging an employee’s
accomplishments or designating
an employee of the
month. Plaquemaker Plus, a company
that offers many personalized
trophies, plaques and frames,
offers laser-engraved and fullcolor
plaques that can be used to
give hard-working employees a
boost. Visit their website at
www.PlaquemakerPlus.com or
call 1-800-367-5556.
• Celebrate birthdays. Acknowledging
employees’personal
lives will make them feel like
valuable team members, rather
than replaceable automatons.
• Communicate. Unhappy employees
are less productive, so
managers should take time to
speak with them about questions
or concerns. An anonymous employee
survey can also help employers
determine where they
need improvement.

(NU) - Success in business
and in life requires an open mind.
In order to prosper, you have to
be willing to learn -- and that
means becoming a student.
“Formal education will make
you a living, self-education will
make you a fortune,” says Johnna
Parr, author of “When the
Dream is Big Enough.”
An entrepreneur who runs a
successful network marketing
business with her husband, Matt,
Parr never thought of herself as
a good learner. But when she was
trying to start her business, she
realized that she needed to absorb
lessons from those who were already
successful.
“I listened and took in all of
the knowledge of the leaders of
the business,” says Parr. “I took
the notes, reviewed them and implemented
what I had learned.”
Today, Parr is more teacher
than student --she helps other entrepreneurs
realize their ambitions.
One of the first things she
tells budding entrepreneurs?
They have to make themselves
teachable.
Parr says that all business people
experience different stages of
learning:
Stage 1: “I know nothing.”
When people begin a new career,
they tend to be enthusiastic learners
--they listen to educational audios
and conference calls, read
books and follow formulas set by
industry leaders. Their businesses
begin to grow. But no one stays
in this stage forever.
Stage 2: “I know everything.”
Sooner or later, everyone
hits this stage -- often destroying
their business in the process.
BUSINESS
Realize the Dream: Success in
Business Requires Teachability
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Professional networker
Johnna Parr had to become
a student before she could
make her business
successful.
“Some people mistakenly believe
that if they accomplish a goal, or
have some success, they no
longer have to learn or grow,”
says Parr. But this stagnant mindset
leads to stagnant business --
know-it-alls either fail or stop being
know-it-alls.
Stage 3: “I don’t know
everything.” Entrepreneurs in
this third stage know that they can
bring good ideas to the table, but
they also realize the importance
of others’ contributions. They
form creative partnerships and
never stop trying to grow and improve
as leaders. Because they
are good students, they also become
good teachers. Their belief
in themselves and their goal allows
them to agree to disagree on
important issues.
Few people naturally possess
the skills to succeed in business.
Success is a journey that requires
teachability and a desire to learn.
Without these qualities, realizing
the dream may be impossible.
For more information, visit
www.johnnaparr.com.

(NU) - Missing the previews
at the movies might not seem like
a big offense, but when running
late becomes a habit, it can hurt
relationships, push back schedules
and cost money.
According to a 2006 survey
by Proudfoot Consulting, American
CEOs arrive late to eight out
of every 10 meetings. Their tardiness
costs $90 billion a year in
lost productivity.
Running late can be a hard
habit to break, but with a few
time-management skills, Americans
can get back on schedule.
SUCCESS Magazine, a publication
designed to helps its readers
find success in every aspect of
their lives, offers these tips to today’s
white rabbits:
- Don’t plan everything to go
smoothly. Remember Murphy’s
Law? Everything that can go
wrong will go wrong. But this
doesn’t mean that you should resign
yourself to arriving late to
every occasion. Instead, plan to
arrive at least 15 minutes before
your scheduled event. That way,
situations beyond your control,
like a cranky child or slow traffic,
won’t put you behind.
- Don’t underestimate the time
you need. When figuring out your
travel time, consider everything,
including dressing, drinking coffee,
sending e-mails and preparing
documents. Figure on traffic
delays, finding parking and walking
to the actual destination. If
you’re going someplace new,
give yourself an extra 10 to 15
minutes to find the building.
- Stay organized. Keep your
LIFESTYLES
Running Late? Time to
Break a Costly Habit
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Running late can cost both
money and professionalism.
wallet, keys, purse, briefcase and
anything else you need every day
in one location at home. Looking
for your keys every morning
will only put you behind schedule.
- Block off a period of the day
for time-consuming tasks. Answering
e-mail and making or returning
calls can intrude on the
tasks that you need to complete.
So, instead of answering messages
as they come in, carve out
a block of time in your day planner
to return phone calls and respond
to e-mail.
- Work ahead of deadlines.
When you get an assignment,
start it immediately. That way,
you won’t have to worry about
the project’s deadline.
For more tips and successful
ideas, visit www.SUCCESS.com
or pick up a copy of SUCCESS
Magazine at newsstands now.

(NU) - No matter your occupation,
you’re going to find yourself
making sales. At home, you
sell healthy meals to your kids.
When you participate in conference
calls or talk to clients, you
sell strategies and services. In
fact, every time you give your
opinion, you attempt to sell an
idea.
In short, every conversation is
a sales pitch -- you want to sell
yourself as a confident person.
The hope is that people will place
their faith in your opinions and
ideas, but this can result in added
pressure and stress. SUCCESS
Magazine, a publication that
gives it readers the information
they need to achieve success in
all areas of their lives, including
the personal and the professional,
offers these tips to Americans
hoping to improve their sales
pitch:
- Sell yourself first. If you have
an idea, defend it to yourself before
bringing it up before your intended
audience. If you have no
faith in your ideas, you cannot
hope to inspire faith in others.
- Challenge yourself. If you’re
making a proposal, you might be
suggesting a tactic, developing a
product or performing a task in
which you have no experience.
Yes, you should look before you
leap, but if you never make the
jump, you’ll never progress.
Promise that you can do things
before you know that you can,
then strive to meet the challenges
you set for yourself.
- Stop making excuses. Yes, the
LIFESTYLES
Sell Yourself to Success
In Career and Life
NewsUSA
NewsUSA
Showing confidence, even
when you doubt yourself, can
persuade others to see your
point of view.
economy is poor at the moment,
but that doesn’t mean that all
business transactions have
ground to a halt. People still need
to buy goods and services, and
that means that you can still sell
them. Indulging in anxiety over
the economy, the state of your
business or your job position will
only interfere with your ability to
sell.
“In this economy, what people
want most from you is confidence,”
says CNBC contributer
and radio host Mel Robbins. “So
ditch the economy as your excuse.
And pick up the phone. You
may feel awkward at first, but
trust me. The person on the other
end of the line wants exactly
what you’ve got: a huge jolt of
confidence.”
For more tips and successful
ideas, subscribe to SUCCESS
Magaizine by visiting
www.SUCCESS.com.

(NU) - Even if you’ve never
so much as sold candy door-todoor
for a school fundraiser, you
have sales experience. You sell an
idea when you persuade someone
to your point of view or an image
when you meet someone for the
first time. So, even if you don’t
plan on becoming a professional
salesperson, you adapt some of
the traits of a master salesperson.
“I’ve met a tremendous
amount of talented, successful
people. They’ve taught me a great
deal, and I’ve appreciated every
one of them,” said the late Paul J.
Meyer, author of “Pink Slip
Proof: How to Control All Future
Paychecks.” “When you look
closely, it’s no secret how they arrived
at their present income and
position.”
In his book, Meyer listed five
basic qualities shared by every
master salesperson:
1. All master salespeople are
persuasive and convincing. The
ability to persuade isn’t limited to
leaders --any time you help someone
see something your way, you
have made a sale. Top salespeople
use every technique at their
disposal, including stories,
dreams, color and humor.
2. All master salespeople focus
on service. Meyer cited the
“golden rule” of service -- serve
others as you would like to be
served. A salesperson who goes
out of their way to focus on service
will likely win their customers’
loyalty.
3. All master salespeople are
honest. If you’re a known liar, no
one’s going to trust you enough
to buy what you’re selling. “Top
salespeople are honest, keep their
word, work hard, are responsible,
incredibly dependable and act
LIFESTYLES
Shape Yourself Into a
Master Salesperson
NewsUSA
NewsUSA
The best salespeople truly
care about their clients.
with complete integrity in all they
do,” said Meyer.
4. All master salespeople are
self-motivating. Master salespeople
motivate themselves to accomplish
goals, no matter how
they feel or what other people say.
“Self-motivation requires the development
of inner strength, conscious
will power, overwhelming
desire, and the determination to
reach any goal you personally
want to achieve,” said Meyer.
5. All master salespeople care
about other people. The best
salespeople genuinely want to
leave their clients better off than
they found them -- they’re not
selling to make money, but to
give their clients a needed product
or service.
For more tips from Paul J.
Meyer, purchase the book “Pink
Slip Proof: How to Control All
Future Paychecks.”

(NU) - It’s true that some
stress is unavoidable -- you will
feel pressured at work, wake up
late, have bills to pay and deal
with professional and personal
obligations. But are the demands
on your time really that unforgiving,
or are you needlessly elevating
your stress levels?
Not “every bit of stress we
have is self-created,” says Susan
Fletcher, a practicing psychologist,
consultant and the author of
“Working in the Smart Zone” and
“Parenting in the Smart Zone,” in
a recent interview with SUC-
CESS Magazine. “But every single
person can make things harder
than they need to be.”
Some people add stress into
their lives by reading too much
into things. Sometime a look is
just a look. And a dirty mug left
in the sink may just be a dirty
mug, not a passive-aggressive
statement in a domestic cold war.
Others may take on projects
too large for one person to handle,
yet insist on doing everything
themselves, because they believe
they are the only person suited
to the task. “Another way people
create stress is when they believe
they are the only person who can
do something, and they don’t involve
or collaborate with other
people,” says Fletcher. “Women
do it at home a lot, and I believe
both genders do it a lot at work.”
So how can self-stressors
learn to stop creating their own
anxiety? Fletcher offers the following
tips:
• Learn to trust. You have to
give the people around you a little
rope. If you always do every
HEALTH
Are You Stressing
Yourself Out?
NewsUSA
NewsUSA
Refusing to delegate tasks
might make you more
stressed than you need to be.
project yourself, the people you
work with will never learn to pull
their own weight. You have to
trust them with pieces of the project.
Failure is only another learning
opportunity.
• Set clear goals. You should
know what you want. You should
also know what you need to do to
get what you want. If you lose focus,
you may find yourself overwhelmed
by the sheer number of
things that need to be accomplished.
• Choose an accountability
partner. Find a friend or family
member (albeit one who does not
live with you) who will both listen
to you and hold you accountable.
To read the complete interview
with Susan Fletcher and for
more information on how to take
control of your life, visit SUC-
CESS magazine online at
www.SUCCESS.com.

HEALTH & FITNESS
Using Fitness to Launch
You to Better Success
(NU) - Your journey through
life should begin with one simple
question: “What can I achieve
with better health?”
“Look 20 years ahead in your
life, and you will know there’s
no success without health,” says
fitness expert Shawn Phillips, author
of “Strength for Life” and
“ABSolution: The Practical Guide
To Building Your Best Abs.” “You
can’t sacrifice your health for
your success. They are interdependent
goals.”
Health and fitness can impact
your life, relationships and business
ventures. Physical fitness can
increase mental and emotional
health, giving you more energy
and a clearer mind.
Phillips recommends using the
following fitness goals to launch
your personal success:
• Set goals for the next 90 days,
as well as a vision for the next
year. Your vision is your ultimate
destination -- your personal definition
of a strong life. Goals form
the steps you need to take to realize
your vision.
• Don’t narrow your goals to
just fitness, but also personal and
professional goals. That way,
you’re not only getting into shape,
but also improving your ability to
excel in life.
• Establish two quantifiable
goals, such as losing 10 pounds of
fat or gaining three pounds of
muscle, and two mental health
goals, like improving a relationship
or pursuing new interests.
NewsUSA
NewsUSA
Fitness creates energy and
confidence, both personal
and professional.
• Find ways to reinvigorate your
mind and body, including eliminating
refined foods, sugar and
empty calories from your diet,
getting restful sleep and taking up
light exercise to help you get used
to moving.
“When you are strong, healthy
and alive with energy, you are
more effective, more confident
and more in control,” says Phillips
in an interview with SUCCESS
Magazine. “Your results in life
will improve as you do.”
More of Phillips’ interview
can be found by visiting
www.SUCCESS.com. SUCCESS
Magazine is a publication that
gives its readers the information
they need to achieve success in all
areas of their lives, including the
personal and the professional.
People looking to push their
achievements to new levels can
subscribe to the magazine by visiting
www.success.com/subscriptions/12i2999/?subkey=9SMH.

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Quoting a survey from SHRM based on a random
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Celebrity
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Lady Gaga
Jay
Leno
Megastar Lady Gaga has also
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Mother Monster tweeted to
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about her bargain buys: "Why
do people look at me like I'm
crazy when I use coupons at
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NEW YORK WHERE IS THE
SALE RACK."
Carrie
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Singer Carrie Underwood clips
coupons for weekly shopping.
While taking Everyday with
Rachael Ray through a day in
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Jay Leno doesn't spend any of
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