THE THIRTY MAJOR CAUSES OF FAILURE, HOW MANY OF THESE ARE HOLDING YOU BACK?

For my #DIYMonday, I would like to encourage everybody to keep abreast of your strengths and weaknesses by being aware of the common causes of failure. The importance lies on knowing what you might be having or doing wrong as of the moment in order to set yourself straight and in order for you to fully know your WORTH. 

THINK AND GROW RICH by NAPOLEON HILL says:

Life's greatest tragedy consists of men and women who earnestly try, and fail! The tragedy lies in the overwhelmingly large majority of people who fail, as compared to the few who succeed.

I have had the privilege of analysing several thousand men and women, 98% of whom were classed as "failures". There is something radically wrong with a civilisation, and a system of education, which permit 98% of the people to go through life as failures. But I did not write this book for the purpose of moralising on the rights and wrongs of the world; that would require a book a hundred times the size of this one.

My analysis work proved that there are thirty major reasons for failure, and thirteen major principles through which people accumulate fortunes. In this chapter, a description of the thirty major causes of failure will be given. As you go over the list, check yourself by it, point by point, for the purpose of discovering how many of these causes-of-failure stand between you and success.

1. UNFAVORABLE HEREDITARY BACKGROUND

 There is but little, if anything which can be done for people who are born with a deficiency in brain power. This philosophy offers but one method of bridging this weakness-through the aid of the Master Mind. Observe with profit, however, that this is the ONLY one of the thirty causes of failure which may not be easily corrected by any individual.

2. LACK OF A WELL-DEFINED PURPOSE IN LIFE

There is no hope of success for the person who does not have a central purpose, or definite goal at which to aim. Ninety-eight out of every hundred of those whom I have analysed, had no such aim. Perhaps this was the

3. LACK OF AMBITION TO AIM ABOVE MEDIOCRITY

We offer no hope for the person who is so indifferent as not to want to get ahead in life, and who is not willing to pay the price.

4. INSUFFICIENT EDUCATION

This is a handicap which may be overcome with comparative ease. Experience has proven that the best-educated people are often those who are known as "self-made", or "self-educated". It takes more than a college degree to make one a person of education. Any person who is educated is one who has learned to get whatever he wants in life without violating the rights of others. Education consists, not so much of knowledge, but of knowledge effectively and persistently APPLIED. Men are paid, not merely for what they know, but more particularly for WHAT THEY DO WITH THAT WHICH THEY KNOW.

5. LACK OF SELF-DISCIPLINE

Discipline comes through self-control. This means that one must control all negative qualities. Before you can control conditions, you must first control yourself. Self-mastery is the hardest job you will ever tackle. If you do not conquer self, you will be conquered by self. You may see at one and the same time, both your best friend and your greatest enemy, by stepping in front of a mirror.

6. ILL HEALTH

No person may enjoy outstanding success without good health. Many of the causes of ill health are subject to mastery and control. These, in the main are:

a. Overeating of foods not conducive to health.

b. Wrong habits of thought; giving expression to negatives.

c. Wrong use of, and over indulgence in sex.

d. Lack of proper physical exercise.

e. An inadequate supply of fresh air, cut to improper breathing.

7. UNFAVORABLE ENVIRONMENTAL INFLUENCES DURING CHILDHOOD

"As the twig is bent, so shall the tree grow." Most people who have criminal tendencies acquire them as the result of bad environment, and improper associates during childhood.

8. PROCRASTINATION

This is one of the most common causes of failure. "Old Man Procrastination" stands within the shadow of every human being, waiting his opportunity to spoil one's chances of success. Most of us go through life as failures, because we are waiting for the "time to be right" to start doing something worthwhile. Do not wait. The time will never be "just right." Start where you stand, and work with whatever tools you may have at your command, and better tools will be found as you go along.

9. LACK OF PERSISTENCE

Most of us are good "starters" but poor "finishers" of everything we begin. Moreover, people are prone to give up at the first signs of defeat. There is no substitute for PERSISTENCE. The person who makes PERSISTENCE his watch-word, discovers that "Old Man Failure" finally becomes tired, and makes his departure. Failure cannot cope with PERSISTENCE.

10. NEGATIVE PERSONALITY 

There is no hope of success for the person who repels people through a negative personality. Success comes through the application of POWER, and the power is attained through the cooperative efforts of other people. A negative personality will not induce cooperation.

11. LACK OF CONTROLLED SEXUAL URGE

Sex energy is the most powerful of all the stimuli which move people into ACTION. Because it is the most powerful of the emotions, it must be controlled, through transmutation, and converted into other channels.

12. UNCONTROLLED DESIRE FOR "SOMETHING FOR NOTHING"

The gambling instinct drives millions of people to failure. Evidence of this may be found in a study of the Wall Street crash of '29, during which millions of people tried to make money by gambling on stock margins.

13. LACK OF A WELL DEFINED POWER OF DECISION

Men who succeed reach decisions promptly, and change them, if at all, very slowly. Men who fail, reach decisions, if at all, very slowly, and change them frequently, and quickly. Indecision and procrastination are twin brothers. Where on is found, the other may usually be found also. Kill off this pair before they completely "hog-tie" you to the treadmill of FAILURE.

14. ONE OR MORE OF THE SIX BASIC FEARS

These fears have been analysed for you in a later chapter. They must be mastered before you can market your services effectively.

15. WRONG SELECTION OF A MATE IN MARRIAGE

This is a most common cause of failure. The relationship of marriage brings people intimately into contact. Unless this relationship is harmonious, failure is likely to follow. Moreover, it will be a form of failure that is marked by misery and unhappiness, destroying all signs of AMBITION.

16. OVER-CAUTION

The person who takes no chances, generally has to take whatever is left when others are through choosing. Over-caution is as bas as under-caution. Both are extremes to be guarded against. Life itself is filled with the element of chance.

17. WRONG SELECTION OF ASSOCIATES IN BUSINESS

This is one of the most common causes of failure in business. In marketing personal services, one should use great care to select an employer who will be an inspiration, and who is, himself, intelligent and successful. We emulate those with whom we associate most closely. Pick an employer who is worth emulating.

18. SUPERSTITION AND PREJUDICE.

Superstition is a form of fear. It is also a sign of ignorance. Men who succeed keep open minds and are afraid of nothing.

19. WRONG SELECTION OF A VOCATION

No man can succeed in a line of endeavour which he does not like. The most essential step in the marketing of personal services is that of selecting an occupation into which you can throw yourself wholeheartedly.

20. LACK OF CONCENTRATION OF EFFORT.

The "jack-of-all-trades" seldom is good at any. Concentrate all of your efforts on one DEFINITE CHIEF AIM.

21. THE HABIT OF INDISCRIMINATE SPENDING.

The spend-thrift cannot succeed, mainly because he stands eternally in FEAR OF POVERTY. Form the habit of systematic saving by putting aside a definite percentage of your income. Money in the bank gives on a very safe foundation of COURAGE when bargaining for the sale of personal services. Without money, one must take what one is offered, and be glad to get it.

22. LACK OF ENTHUSIASM

Without enthusiasm one cannot be convincing. Moreover, enthusiasm is contagious, and the person who has it, under control, is generally welcome in any group of people.

23. INTOLERANCE.

The person with a  "closed" mind on any subject seldom gets ahead. Intolerance means that one has stopped acquiring knowledge. The most damaging forms of intolerance are those connected with religious, racial, and political differences of opinion.

24. INTEMPERANCE.

The most damaging forms of intemperance are connected with eating, strong drink, and sexual activities. Overindulgence in any of these is fatal to success.

25. INABILITY TO COOPERATE WITH OTHERS.

More people lost their positions and their big opportunities in life because of this fault, than for all other reasons combined. It is a fault which no well-informed business man, or leader will tolerate.

26. POSSESSION OF POWER THAT WAS NOT ACQUIRED THROUGH SELF EFFORT.

(Sons and daughters of wealthy men, and others who inherit money which they did not earn). Power in the hands of one who did not acquire it gradually, is often fatal to success. QUICK RICHES  are more dangerous than poverty.

27. INTENTIONAL DISHONESTY

There is no substitute for honesty. One may be temporarily dishonest by force of circumstances over which on has no control, without permanent damage. But, there is NO HOPE for the person who is dishonest by choice. Sooner or later, his deeds will catch up with him, and he will pay by loss of reputation, and perhaps even loss of liberty.

28. EGOTISM AND VANITY.

These qualities serve as red lights which warn others to keep away. THEY ARE FATAL TO SUCCESS.

29. GUESSING INSTEAD OF THINKING

Most people are too indifferent or lazy to acquire FACTS with which to THINK ACCURATELY. They prefer to act on "opinion" created by guesswork or snap-judgements.

30. LACK OF CAPITAL.

This is a common cause of failure among those who start out in business for the first time, without insufficient reserve of capital to absorb the shock of their mistakes, and to carry them over until they have established a REPUTATION.

31. Under this, name any particular cause of failure from which you have suffered that has not been included in the foregoing list.

In these thirty major causes of failure is found a description of the tragedy of life, which obtains for practically every person who tries and fails. It will be helpful if you can induce someone who knows you well to go over this list with you, and help to analyse you by the thirty causes of failure. It may be beneficial if you try this alone. Most people cannot see themselves as others see them. You may be one who cannot.

The oldest of admonitions is "Man, know thyself!" If you market merchandise successfully, you must know the merchandise. The same is true in marketing personal services. You should know all of your weaknesses in order that you may either bridge them or eliminate them entirely. You should know your strength in order that you may call attention to it when selling your services. You can know yourself only through accurate analysis.

The folly of ignorance in connection with self was displayed a young man who applied to the manager of a well known business for a position. He made a very good impression until the manager asked him what salary he expected. He replied that he had no fixed sum in mind (lack of a definite aim). The manager then said, "We will pay you all you are worth, alter we try you out for a week."

"I will not accept it," the applicant replied, "because I AM GETTING MORE THAN THAT WHERE I AM NOW EMPLOYED."

Before you even start to negotiate for a readjustment of your salary in your present position, or to seek employment elsewhere, BE SURE THAT YOU ARE WORTH MORE THAN YOU NOW RECEIVE.

It is one thing to WANT money -- everyone wants more -- but it is something entirely different to be WORTH MORE! Many people mistake their WANTS for their JUST DUES. Your financial requirements or wants have nothing whatever to do with your WORTH. Your value is established entirely by your ability to render useful service or your capacity to induce others to render such service.

Related posts:

1. 5 TIPS IN PREPARATION FOR A JOB INTERVIEW - Is selling yourself bad? Check out this post if it agrees with you. Or if you agree with it, let me know.

2. A STEP BY STEP GUIDE TO SUCCESSFUL STOCK INVESTING WITH EIP COL EASY INVESTMENT PROGRAM - interested in investing on mutual funds? This might help you out.

3. THE PARABLE OF THE WEEDS - Patience is most needed while you are kept waiting, it's not the ability to wait. Are you patient enough?

10 IMPORTANT THINGS I LEARNED IN ATTAINING FINANCIAL KNOWLEDGE

This year marks my decision to be financially literate.

It all started when I had attended a seminar held here in Hong Kong called, "Rich Dad Poor Dad". Like any other free meet-ups made available in most countries wherein finance is the name of the game, it was the usual 2 hour motivational lecture by this woman who had been into the deepest, darkest hole as a result of her bad decision making, lax prioritization and irresponsible lifestyle. Needless to say, it leaves her penniless, hopeless and desperate until she mentions attending the very same thing we (the audience) are attending. Her story touches all the necessary buttons to set us all into an awakening. To sum it all up, the story telling part resonates to most of the middle class (which to my estimate composes 65% of the attendees): continuously in a situation of being overworked and underpaid. Dramatic as it may sound, it set us off to a mode of action in just an hour.

With an expert knowledge about these people who go to seminars, the staff knows that one way or another, this 65% is in need of enlightenment from their own current financial situation. While the rest were dragged to attend because of their curiosity, including me, its motive was quite established with a pang.

Through the rest of the seminar, the lady introduced methods that she followed on how to get out of the draining misfortune. The one I attended focused on real estate. It encouraged all the way to invest the money they are saving. The clue was to look at the rate of return on investment as to which tool you'll embrace and work on.

May I say that in the end there was selling of the "help" that you should need but it was enveloped as a form of investment on education. As a writer, I continuously research. Included in reading books and studying statistics, I consider reviews, comments and forums concerning a specific topic that I need to know about before I write my own input. Because of that, I know there are a lot of free information in the Internet that I can hold of. This convinced me that right before I entered the room, I was just after the satisfaction I would get and the refresher on the methods I stubbornly keep up with. I just wanted to be aware further more. So, I have set myself to hold my credit card very well and to let the information settle before I make a move... or a swipe.

I was successful in not doing so.

But I came out from that free seminar, rich in resources. Books, links, inspiration. And the one that I benefited from the most were the books, "The Rich Man in Babylon" and "Think and Grow Rich".

Now reading these books had kind of made me learn 10 very important things:

• Set a S.M.A.R.T. goal. I know some may have come across this abbreviation a thousand times but just for the sake of reiteration, let me give you what this effective acronym stands for: 

              S - specific; M - measurable; A - attainable; R - realistic; T - time-bound
       
         These meanings are pretty self-explanatory. But there's one thing you need to do after coming up with one, you write it down and recite it as often as you can, stating it as if it happened already, claiming it and considering it as done. Mine was to have Php50,000 within a year, even declared it in front of my husband (despite the book's advice to just make a commitment with yourself) just to give myself a sense of stronger responsibility to live up to my word. He challenged me why not 50,000 Hong Kong Dollars? And so, I added it up.

• Never lay all your eggs in one basket when it comes to investments. - There are different investment tools and the more you are well versed on them, the more you'd be able to calculate the risks that come along with each.
• Understanding the concept of the 8th wonder of the world called "compounding interest", you may think that time is not your ally anymore. But think about the present learning as a gift and consider "now" as the best time. Countless years may have been wasted before but there's no other best time to start than today.
• Learn from those who had gone the path already. Easily put, if you want to be rich, learn from the rich, the experienced. There are a series of steps that are usually presented in books but the most important is, if it's feasible and if it is actually doable. The only way to find out is if there's somebody who had tested and did it themselves. Follow that person.
• Keep the three laws of money (save, invest and re-invest) intact in every financial decision you will have to make. Saving may be in a way of assets, bit coins, saving plans and is not limited to just keeping an amount of money safe in a bank.
• Emergency fund is necessary as your safety net as you level up into investing. Establish this first before anything else so that come what may, you will have a fall back.
• Never ever neglect paying yourself first. This is not through material stuff like buying yourself a new gadget, clothes or shoes come every payday. It is putting aside money for your retirement in the future. Paying yourself first is paying yourself for every non-working day you need to live for after retirement, keeping the same lifestyle like when you still had a job.
• Habit forming will be your weapon in keeping up with your financial goals. 
• In every investment you have to make, see to it that you separate your emotions from the very beginning. Because if you do, you're already 50% short on your ROI.
• Anything that you do, integrity is the key. If you want to come up with a business, word of mouth will always pave the way to your success. If you're hard to work with and trust unworthy, chances are, people will talk negatively of you. Whether you're a boss or an employee, treating your subordinates right and respecting your bosses, having the appropriate work ethics can send you high rocketing into success. From there, you'd be able to give your goal a check, leading you to the road to financial freedom.

Right now, I have been awakened. Having a family had pushed me into planning for my own financial freedom. Let's see if it works.

Related posts:

1. GET INVESTED IN STOCKS FOR A RICHER LIFE - One of the many form of investments I've tried doing. Believe me, I was scared shit less of the term 'stocks' alone. But I had turned the risks into a calculated one, and slowly, it pays off. Read on why you should at least invest on a sturdy one like Facebook, Disney or Jollibee.

2. JOLLIBEE - why it's worth buying its stocks.

3. HOW FINANCIALLY HEALTHY ARE YOU? - Here are 6 steps on how to assess your financial status.

A Step by Step Guide to Successful Stock Investing with the EIP COL Easy Investment Program

(To those who wishes to read this in your preferred language, there's a pull down button on the upper left of the site that would cater to your understanding.)

Have you ever dreamed of owning a franchise of Jollibee?
Have you ever dreamed of spending 24/7 with your family
rather than getting employed 24/7?
Are you interested in making your money earn
while you sleep?
You've been wanting to invest but you don't know
with who? where? and how?

My friend, here's a solution if all of these
questions are applicable to you.

START INVESTING YOUR HARD
EARNED MONEY TODAY!
Because if not now, when?
And if not you, who?

One way is to invest in the stock market.

But before you dodge the bullet, fear not, for there's a guide

you could use in learning about stocks as you earn dividends along the way

SAFELY.

Why I emphasised on that?

The reaction of the majority of the people hearing
about investing on stocks? Super scared
with how it operates that they repel from the idea.

I was like that before. But I chose to roll up my sleeves and

know a little about it until I got hooked.

Afterwards, I was thinking that it's not that scary after all. In fact, I have never felt so driven
when it comes to "investing" until I learned
about the Basic Laws of money.
I agree with Edward Lee as he believes

that all of us need to be educated financially.
This way, we would have the advantage of combining

what we know with the single most important commodity in the universe,

TIME.

Last week, I was blessed to be able to attend a seminar that gave me an insight of what I should learn before entering any form of investment. They've taught about how Philippine Stock Market
could help overseas foreign workers to save a portion of their income and make it grow
over time. After understanding how stocks work,
a safe platform by COL Financial Philippines was offered.

"COL Financial Group, Inc. is the leading online stockbroker in the Philippines established in 1999. It aims to be the most trusted wealth-building partner of every Philippine investor by providing value driven, innovative solutions and easily accessible financial tools to help investors achieve their financial goals.

To date, COL is the fastest growing online stockbroker with over 100,000 customers and PHP 55 billion in customer assets. COL is committed to help you build genuine wealth by providing client-focused products and services."

www. colfinancial.com

I have a basic understanding of money that I would like to share to you. Money is a very powerful tool that may aid you in your pursuit of happiness. If you read it carefully, money should be considered the "means" to be happy. It is NOT, per se what will make you happy. Our reason for happiness differ greatly. Mine is to be "truly" rich. And when I say "truly" rich, this means, NOT being wealthy because of money but being wealthy in how many people I've actually helped and empowered to attain financial freedom. As inspired by Edward Lee himself when he gave the talk in the "free" seminar I went to, it's because of his advocacy to help Filipinos to be financially educated, that's why I'm as well, freely giving out this information. Call me a dreamer but I think if every Filipino would take the Basic Laws of Money seriously, the Philippines could also be saved, economically speaking. It's been a long time. I thought with all honesty, Philippine economy is hopeless because of the corruption. But this is our light at the end of the tunnel.

Why is the COL EIP for me?

The COL Easy Investment Program is a convenient and easy investment plan that allows you to build personal wealth in the stock market over a period of time. You no longer need to monitor your investments daily and you can take advantage of the ups and downs of the market by applying the simple strategy of peso-cost averaging.

What is PESO-COST AVERAGING?

PESO-COST Averaging is a time-tested and reliable method of investing that is easy to understand and apply. It is a personal wealth building strategy that involves investing a fixed amount of money to buy shares of stock at regular intervals over a period of time as a passive, long-term investment in the stock market.

When preparing to invest successfully with the COL EIP, ask yourself 4 questions:

1. HOW MUCH DO I WANT TO INVEST (on a regular basis)?

"Our recommended investment amount is 20% of your SAVINGS."

2. HOW OFTEN would I like to invest?

"Choose an interval that you can commit to regularly invest your fixed amount of money - weekly, monthly or quarterly."

Note: There are no penalties if you skip a date, but try to maintain the discipline to invest regularly.

3. HOW LONG would I like to continue my investment plan?

"Tip: The longer your investment plan, the greater your potential returns given the power of compounding."

4. WHAT DO I BUY?

The COL Advantage? Because Peso-Cost Averaging only works when you're invested in good companies, COL provides a Premium Growth Stock List, evaluated by our experienced analysts for you to choose from.

It is imperative to know that Filipino Overseas Workers were placed as the highest contributors to the Philippine's GNP funding it roughly around 21%. Sad to say though, only 1% of that entire 21% are investing. Presented with this data, could you imagine if the other 20% are also investing and are earning while they sleep? I believe there'll be abundance in funds both personally and economically. The investor would gain adequate amount of money (perhaps more) because of the shares bought and since the power of compounding interest is so great, you'd go for long term investing that the Philippines would benefit from its reserves as well. My own personal knowledge is limited that's why COL Financial are putting out youtube videos out there because they believe ignorance of this kind of information is hindering the Filipinos from realising the beauty of investing. Not only that, the beauty of investing EARLY is the key.

Benefits of the EIP:

1. No need to monitor the stock market. Have time for your more important priorities while enjoying the benefits of your COL EIP at the same time.

2. Minimize your risk by investing in the long-term and maximise your potential returns.

3. You only need a small amount of capital to get started. Open a COL EIP account for a minimum investment of P5,0000.

4. All these benefits of a simple and easy reliable investment strategy at the lowest-allowable commission rate of 0.25% of the stock amount purchased.

Get Started!

COL Financial Group, Inc. is the leading online stockbroker in the Philippines established in 1999. It aims to be the most trusted wealth-building partner of every Philippine investor by providing value driven, innovative solutions and easily accessible financial tools to help investors achieve their financial goals.

To date, COL is the fastest growing online stockbroker with over 100,000 customers and PHP 55 billion in customer assets. COL is committed to help you build genuine wealth by providing client-focused products and services.

I would be posting further development in terms of my own investment sans the figures (I claim) I would make. But, if there are stocks that is not worth buying, I'd freely give out the info as given to me as well. For now, I'll establish my COL account first, give it time to earn some and then prove to you readers that it's real. Truth be told, we can all be "truly" rich altogether.

Our Thank God for Financial Literacy Crew with Mr. Edward Lee himself.
Founder and Chairman of COL Financial Philippines
June 4, 2015, Hong Kong

You can leave your comments below if you need clarifications and if you need additional information. The purpose of this post is to educate. To those who know me personally, we have a group called "Thank God for Financial Literacy" that are willing to give effort on how to assist you with further financial education. A couple of our members have already started their accounts and has started trading. Experience wise, it's better to ask those who have it already. Please let us know. There's also a chance for non-Filipinos to join. The potential is limitless. Just have the right mind set and dream with a purpose. God had given us talents and he wants us to use it in its maximum. 

Related posts:
1. HOW FINANCIALLY HEALTHY ARE YOU? - Check your financial status following these 6 steps.


2. HAPPINESS PROJECT - Gretchen Rubin wrote about her journey in pursuing her happiness. Lessons about finances, relationships and self-treatment await.

3. HK Disney Auditions, June 2015 - "Find Your Light". Grab the opportunity.

HOW TO BE CONSISTENT IN GOING TO THE GYM

There's a lot of articles that

state reasons why people should exercise.

There are also a lot of videos

that were made for people to follow when working out.

But I guess what lacks out there

are ways on how to stay committed with your exercise regime.

I am a mom of an 8 month old and I'm proud to say that I'm 1.5 kilos (4lbs more or less) away from my non-pregnant weight and still progressively losing the excess baggage that settled well in the abdominal area and my extremities during the process. OK, that may not have an impact so I'm going to lay it out there for the record "for the first time" of how extensive my weight gain had become. 

Well... it's just 50 lbs. all in all. Hahahahaha!!!! Wow! I said it!

I think you'd agree if I am not going to sound so bad if I had lost the other 46 lbs. in the same rate I gained it since I'm on my 8th month post partum. Probably on the 9th, or .... wait! let me rephrase that, "hoping and willing" by next month, I would lose the remaining 4 lbs. With the nature of my job, this will be done easy breezy. Nothing to worry about.

A lot in the industry I worked for (entertainment) had done probably what I have (going back to their non-pregnant weight), in just a matter of a month. No kidding... here's a video of a good friend of mine Hanedy Sala, 3 months after giving birth to her 1st child.

I'm pretty sure you were left in awe with that. Because besides being a magnificent dancer, you would just really ask over and over "For real? She's 3 months post partum while dancing like that?" But then with the 50lbs. I gained, please don't judge, I was carrying a half-Samoan baby... lol! I know some of you may say, "Regardless...". But like what I said, no judgements.

Anyhow, let me get to the point. It is always a tough call to get your ass up to exercise. Some who never had a baby experience the same dillemma. So multiply the feeling by 10, that's how a mama would feel. Recovering from carrying the baby for 9 months, giving birth and taking care of the baby are challenges alone so sometimes, mamas could get lazy. So how did I go about these challenges as I needed to trim down ASAP? Here's how:

1. REMEMBER THAT THIS IS NOT FOR ANYBODY ELSE BUT YOU.

The first in the list of the most powerful words I consider is the word "YOU". You are your biggest competition so before you start committing to a routine, regardless if it's about working out, eating clean or just getting off a vice, always go back to the main reason WHY you are doing this. It's to become a better you. This way, excuses, setbacks and distractions would be kept aside as much as you will.

2. DEVELOP A HABIT.

They say, if you want to develop a habit, do something consistently everyday for 30 days in the same way, during the same time and it would sink in to your system somehow. Well, guess what, it did for me. I would not be quoting anybody or describing somebody else's story, I will be speaking of my own experience instead.

At the beginning, it was truly SHIT. I tell you that. Coming from your laid back, serene maternity leave to right away embracing a physical activity was such a struggle. But then I chose to put it at the start of my day so that at least I could tell to myself, "I just have to do an hour and a half of this and I'm free to do whatever I want with the remaining time. So, as I go thru progressive exercise routines, (from Pilates to A LOT of stretching to  stepping to mini trampolines to jogging to cardio workouts, to yoga then to "INSANITY" workouts to running) that's all that I think about. It's all going to finish anyways and I'm free in the next 22 1/2 hours of the day. In the end, I always feel good every after work out session.

3. HAVE A POSITIVE PERSPECTIVE.

"Be the girl you'd be looking at
because you know how to walk
that much number of work out
routines confidently."

Running with the unusual weight gain could be a bitch on the knees. And knowing that excess fat in the belly is just in the way as you aim to establish a pose while doing yoga is such a distraction. What's worse, no matter how you want to stay dedicated and focused, stress cramps you up and pushes you to give up. Stress in handling the baby at home (moms, I know they are bundles of joy but there are times that they really get in your nerves), stress brought about by the hormones, stress about not having time with the husband, or you are just plainly tired to name a few. Ultimately, frustration, and not stress, just pours on you when a toned, beautiful, ok, perhaps skinny, lovely young lady passes in front of you in the gym as you balance yourself on the gym ball.

As you complete your work out, you look in front of the mirror all sweaty and you tell yourself, she didn't even look half of how messy I am. You'd be restless in asking yourself, "Am I doing the wrong thing?", "Why are there no visible changes?".

My friend, stay positive by drilling in your mind and planting that hope. You should be able to convince yourself that it takes time. Everything takes time and if you are honest with how much effort you put to your routines, like not cheating and completing the 100's, you will reap it later on. In my case, I was thinking the whole time who gets paid to work out? I know very well there are people who pay others to be their personal trainers just to keep fit. But I have all the means to do so at the workplace. So instead of taking off time from home to keep fit, I do exercise during working hours. I believe that's a blessing in a blessing. I work to get fit and strong. We got a gym that I don't have to pay a membership to benefit from. So you see, it's in how you see things and how you acknowledge gifts in the ordinary days.

4. STAY INSPIRED.

You got up already, you had exerted effort in booking a session in the gym, you enrolled yourself in a ZUMBA class and you already are present, make sure to make the most out of it. Believe in the power of the present and believe that a day always ends up good when you decide to go to the gym. Again, this is based on my own personal experience.

I would also advice you to have a vision board. Don't aim for that skinny ass. Aim for a toned healthy body. Some of the celebrities that I look up to are:

a. INA RAYMUNDO - a Philippine celebrity, mother of 5 and had severe stretch marks on the abdomen. As of today, she proudly wears the stretchies. She ignores that and uses her time on investing on herself instead.

b. JENNIFER LOPEZ - I admire her ability to stay fair to herself by submitting to what her body was used to from the very beginning, PERFORMING. At the very moment she's giving this to herself, she's giving to the people what she's made for. She sets up trends, inspires artists, respects her culture and her craft. She makes sures that she delivers and she never settles for less.

c. MIRANDA KERR - who here never admired a Victoria's Secret angel? I mean, besides the lady boys, the VS angels belong under the category labeled "PERFECT"? And Miranda along with the rest who are now moms serve as an inspiration for me because somehow, no matter how perfect they could be, I'm sure they've handled some SHIT!

You can put up a list of your own or you can pin up a wardrobe style you've been wanting to try up by the mirror so that it'll serve as an inspiration.

5. FOLLOW IT UP.

Tomato, Cucumber
Avocado Salad

Don't expect massive results when you always give in to binge eating. There may be rough decisions to make as per food choice, food serving and how often you should eat. The usual advices like just eat what you need, have 6 small meals (or more) in a day and choose foods that are high in nutrients and just with the right amount of calories, all surround the idea of keeping an active metabolism. The feeling of being deprived of what you are used to having can be a pain. Just in case you couldn't find a reason to hold on to a strict diet, consider yourself as an investment that's why you are doing this. You see, once you develop the habit of nurturing yourself with healthy food, you will own a strong sense of wellness. Also, in doing this, no sense of guilt would creep in. From doing your exercise routine, you will need to replenish so don't be too harsh to yourself when coming up with the diet. Make sure that it suits the activities you do. Give your body what it needs. Have ample rest, get fed well. Eat clean.

This way, you'd see results probably double of what you would expect from somebody's who's just doing exercise alone. And when you do, you'd be more driven. You'd love to go to the gym more because besides being able to do what you couldn't before (holding that V-position for your abs longer than usual), you get to wear the clothes that you were longing to rock.


6. GET INFORMED OF ITS BENEFITS

7. KEEP ALLIES WHO HAVE THE SAME DRIVE AS YOU OR ARE EVEN MORE THAN DRIVEN.

Positive reinforcement brings out the best from a person but negative, unsolicited remarks trigger something inside us that may push you to running an extra lap. It pushes us to the limit, a kind of a motivational force that encourages us to do the impossible. It usually serves as the stronger source of motivation. But of course, you need to hear what really is the TRUTH. And the only ones whom you will allow to say it would be your friends. The trainer? I'm not so sure. If he/she is professional enough, then consider him/her a friend. Some could just really be gold diggers.

So, the main point....  do keep those who push you and support you. It would be great if they join you so that lazy days would be put into a minimum. It would be great to have a gym buddy. Just make sure you are in the same pace. You both don't want to end up in the Butcher's Club after a hard work out. Some encourage cheat days. Give this to yourself on a weekend for a breather because rewards also can drive you to endure a week's workout. Gym buddies serve as the people whom you would count on when you are stricken with the bed weather.

8. DRESS UP.

Dressing up is one of the fundamental ways on how to feel good about yourself. When you are able to put on your style, you can never go wrong with what you're motivated to accomplish. It goes the same with working out. Besides the fact that you are comfortable with your own sense of self, you become more driven because of the confidence dressing up brings. You'll be dealing with a lot of mirrors in the gym just to have the consistent feeling of getting convinced to continue achieving further.

As to my personal experience, I love a good pair of trainers/running shoes. I love running but I got to have the right shoes. It's hard to stay motivated when your body is in pain. Invest on good quality shoes, if you prefer cardio workouts. Some are manufactured light enough to reduce shock to the knees. Invest on colourful workout clothes if you prefer working out by doing Zumba, cycling and aerobics. Besides seeing yourself standout, it actually motivates you to standout in terms of performance. When you feel good, you do good. It just flows. Never settle for ill-fitted ones, most especially for the midrib bras. This way, you keep safety at bay. You don't want to expose private parts too as you do your handstand as your finishing challenge for your morning of yoga.

Below are examples of NIKE's newest design for their work out clothes for women.

9. KNOW THE THINGS THAT YOU HAVE TO GIVE UP.

Set your priorities. Commit to them and know that you should never give up on yourself. Instead, think about the things that you should cut off. Excuses, distractions, laziness. If you know you are more likely the person who procrastinates, do something about it. Motivate yourself by having something to look forward to.

You have to realise that no trainer could help you, and no person can for that matter, if you don't help yourself. Start off disciplining yourself by saying "no" to people, things, situations that would not help you become a better you.

Listen. For me, I wasn't the person who had sweet tooth, I am not a fan of soft drinks nor juice. But I loved rice. So, it was truly a challenge to find a substitute for it. I also loved coffee so I just put minimum amount of sugar so that I could still enjoy it. I also made a decision that I would just eat according to how I would need the food. I am a parade dancer so, I cannot really eat that much of a hearty meal before and after because I may vomit in the end because of sympathetic impulses as my body is constantly at work. We also have short time allowance to eat and make the food get churned. I consider this as an occupational hazard. But there's always a possibility to go around any challenge by doing number 2, developing a habit. I managed to work up my schedule. In this way, my system utilises the food efficiently aiding a fast metabolism, therefore making everything I eat burned up.

Some may need to cut off ties with people who always say they can't accomplish something such as losing weight or bulking up. First, it's not healthy to keep people like this in your life. You cannot expect yourself to remain positive if you're surrounded with negative people. Situations like divorce, loss or bankruptcy may take more than a motivation but exercising could help out in time in boosting your self esteem as you take one day at a time.

10. EMBRACE WHAT YOU LOVE DOING.

Choose what makes you feel good and faithfully work around it. If you love dancing, it ain't easy when you truly do the moves since the core needs to work together with the mind's creativity. If you love doing circuit training, the body goes thru a lot of different kinds of stimulating workout and that's how you lose weight thru it. Due to a wide range of motion, the joints may undergo a lot of stress that you need to know how to avoid injuries. Learn how to listen to your body. In that way, you can progress with your training and you'll end up loving yourself for being able to do what you couldn't before. My target is to at least gain success with my pull ups. For now, it's more of a hanging and no pull ups but I'm not going to give up. If you think you can join the triathlon competition, train for it, go for it. There's no time but now and this is the youngest you can be. Set a deadline and accomplish the impossible. Either way, whether it's for sports, career or life itself, you'll benefit from the discipline you're going to gain from the process.

It's your turn. Complete my list by suggesting another way as to how to be consistent in going to the gym. You will be helping me out in return. Stay fit and embrace a healthy lifestyle. Health is wealth for real.

Related posts:
1. 10 THINGS YOU OUGHT TO KNOW ABOUT THE WHOLE SHENANIGAN - what pregnancy books missed on writing down for expectant moms
2. BUBBLE SOCCER - how it is worth trying
3. SIVA AFI COMPETITION - want to know what fire knife dancing is all about?

HOW FINANCIALLY HEALTHY ARE YOU?

Today marks a milestone in my life for deciding on making some investments. I came across this one which helped me into finally landing on one. For my #DIYMonday post, allow me to share these steps from the lifemanagement4filipinos.weebly.com for you to have a way to review your financial status. It is in the website's appendix.

"How Financially Healthy Are You?

The Lord will grant you abundant prosperity... The Lord will open the heavens,

the storehouse of his bounty, to send rain on your land in season and to bless

all the work of your hands.

You will lend to many nations but will borrow from none.

-Deuteronomy 28:11-12

Are you financially sick or healthy?

It depends on how many steps you've taken towards financial health.

As a way of review, I will share with you the Six Steps to Financial Health. If you notice, I put a Step #0 because this is a faith act. How can a poor person give? But that is the challenge. When he becomes generous, he attracts more generosity upon his life. Here they are...

Step #0: Give to God a Monthly Love Offering (Start with 10 percent)

This is the purpose of money - to use it for love. And tithing is the "training wheels" to learn how to do this. Each month, set aside a fixed percentage of your income to God and the poor. And be open to the blessings that will flow to you.

Step #1: Free Yourself from All Bad Debt

List down all your bad debts and declare when your Freedom Day will be. Never borrow for anything that doesn't put money into your pocket. Renegotiate with creditors if you have to.

Step #2: Increase Your Income and Start a Sideline

Grow yourself, your skills and your abilities. In your job, be known as someone who works fast. Always get more responsibilities. ("Sir, I finished the project. Is there anything else you want me to do?") Your boss will be forced to promote you. And sell something on the side and keep on learning.

Step #3: Get Protection (Insurance) Equal to 10 Times Your Annual Expenses

Your goal is to be self-insured. But while your investments haven't reached that point where your passive income is equal or greater than your expenses, you need to buy insurance.

Step #4: Create an Emergency Fund in the Bank Equal to Six Months' Expenses

These are for your daily expenses as well as unforeseen expenses. Having an Emergency Fun prevents you from dipping into your long-term retirement fund.

Step #5: Create Passive Income via Businesses and Investments Equal to or More Than Your expenses

This is financial freedom. It is the place where, even if you stop working, you can still live your present lifestyle.

As you take one step after another step, you gain in financial health.

Friends, this book is only a start of your exciting journey towards material and spiritual abundance.

Keep learning. Read books on money. Attend seminars on money. Get mentors and financial coaches.

Remember: You create your future by your choice today!"

Relate posts:

1. RICH DAD, POOR DAD - click to check out why this is one of the 21st century's best books about finance, money and saving.

2. PARADIGM SHIFT - what I did when I learned the power of compounding interest, the 8th wonder of the world

3. A STEP BY STEP GUIDE TO SUCCESSFUL STOCK INVESTING WITH EIP COL EASY INVESTMENT PROGRAM - click for a simple way to know about stocks and mutual funds

7 BUSINESS OUTFITS

Mondays are all about EXPECTATIONS. 

Mondays expect you to be at your best. Mondays expect you to be functional and efficient. Mondays expect you to be at it! Mondays are all about meetings, new clients and product launching. Mondays are about buses, lattes and taking down notes. Mondays are all about being in demand and being on time.

You on the other hand aim to please.

You aim to be present. You aim to conform. You aim to impress and most definitely, you aim to excel. It's important that you make clients remember you. And there's no other way to start smoothly about it other than being a good representation of what you do best.

Whether you are a lawyer, a flight attendant, a professor or an artist, there's always an expectation behind the way you carry yourself. There's a wide array of clothes to keep up with the great demands of any job but you don't want to get in trouble with that. You want to avoid mismatched ones and you wouldn't want to wear it disproportionately. It's important that you own at least one set of business clothes. Besides, I know that the actual dream here is, to be your own boss someday.

So, today, stand in front of the mirror and say this to yourself loudly and proudly, "DAMN, I LOOK GOOD!" If you felt even an inch of hesitation there, go back and change!

There's nothing that beats a well-groomed vibe. When you know that you have dressed to impress, you are more likely to give out that energy to other people as well. And confidence is something that can never be robbed from you. On job interviews, a first impression is always considered. And being on the go ain't an excuse to just put on "something". Here are some suggestions that you may find helpful.

1. Business jackets and blazers in dark shades demand respect right away. But the light garment, to line the suit down under, says a lot about the wearer. This signifies that despite working hard, she finds time to unwind by riding ferries and sitting down at the park. This set may be observed amongst those who work for somebody important. Like how Olivia Pope works for the US President in the politically awakening series, "Scandal".

2. A realtor would go for this kind of outfit because of its functionality. Business trips to show around a client may take its toll on your feet. To avoid painful calves and bulging varicose veins, flats may come in necessary. The jacket would be helpful as well to keep her warm, making her unstoppable whenever the job requires for her to stay outdoors. The earrings and the necklace balances functionality with style. Slacks or pants allow modesty to flow while you remain up and about. You don't want them to see what they are not supposed to see as you climb up the stairs, do you?

3. Animal prints don't come slutty if you wear them right and if you'd combine it with decent shirts such as a polo with this kind of cut. Keep the hues subtle and the jewelries minimal. Notice the counter material for the animal print which was the leather to stand ground that you hold a reputation despite a little "let go" on the way you dress up. This set denotes a fierce attitude and the crisp shirt informs that you own an organised and tidy working table if you would strut in this.

4. Editors, publishers and people who actually owns a talent agency may be closing deals in this outfit in no time. Style may be owned by many but elegance is something that money can't buy. It is learned and looked up to. A lady that wears black and white colours with a touch of baby pink gives her outfit a certain level of quality about what she wants to share to the public, what she wants to build up in an audience and she would make all of these things happen in her own way. You could consider the outfitter of this to be a "people" kind of boss.

5. The minimalist fashionista need not be too loud with colour choices. Her wit and diction will say it all. Notice the lack of unnecessary accessories. A principal, CEO, or a businesswoman may be seen in this type of clothes. This style aims to imply an unshakeable morale. They mean business and people who opt for the all black hue usually don't take any shit. They take their jobs seriously that they may excuse one two many faults but definitely not more than that. Finish this outfit with your hair up and you're good to go.

6. This is another one for the bosses. Unless it's a casual lunch meeting, an event in the office where you just have to watch some presentation or a day for signing documents, I personally would not choose this since I have an athletic body type. Some flesh may be bulging out here and there. In the corporate world, it's best not to invoke or distract anybody with the way you emphasise your curves even when they are properly covered. The cut of this dress would enhance them so this would be beneficial for those who have a skinny body.

7. If you are comfortable in showing your perky style, do it by all means. It could be an inspiration to some. Our last set of clothes may be noticed amongst artists, creative advertisement directors, salon owners and interior designers. Because of their inclination to geometry, patterns and colours, they may have that need to submit to their ids and just let go every now and then. Usually, artists have a perky attitude and a flexible taste.

It is important to invest on the basics and to invest on sturdy yet comfortable black pumps. At all costs, it'd go down to it and black never disappoints nor fails. Just make sure that there is a balance that you should understand well between plains and prints. And one more important thing is, you're dressing up as you. You might find some pieces that may be a total contradiction to your taste but others in the same set likeable. Go for what you think matches most of your outfits to be able to get your money's worth.

Credits to PINTEREST for the images.

Related posts:
1. CORPORATE ATTIRE? NO PROBLEM! - some more corporate attire ideas
2. 5 TIPS IN PREPARATION FOR A JOB INTERVIEW - based on my own experience
3. 15 CELEBRITIES WHO ARE SMART WITH THEIR MONEY - a repost

15 Celebrities Who Are Smart With Their Money.... This is what they did!

This is an article that I'd like to repost to keep my readers inspired, driven and mindful of keeping financial resources saved and secure. Some of the notes, I may change yet, it's still based on the original released by goodtipsforwealth.com.

We have seen so many celebrities who've risen up to fame but only a few maintain a habit of saving it for a future storm. For them, nothing's permanent most especially, earning a lot of money. Read away to get some smart tips from these mindful stars.

1. ZOOEY DESCHANEL

Found on: jadorelucy@blogspot.com

TV: New Girl
Movies: 500 Days of Summer

Despite the fact that she plays a flaky free spirit on TV, Zooey Deschanel is one financial whiz. She saves 76% of her income and zero debt. She has well over a million dollars in the bank and even more invested. So the lesson from Zooey is to aim to save more than you spend.

2. SARAH JESSICA PARKER

Found on: tomandlorenzo.com

TV: Sex and the City
Movies: Sex and the City 1 & 2, How Does She Do It

The light bulb eyed Sarah Jessica Parker came from humble beginnings and despite being wealthy, she wants her son to have that same mentality. In fact, her son wears only hand me downs from her older nephews. She prides herself on teaching her son that he owes something to the community and that he is not entitled to the money his parents earned. The lesson is to stay humble and save money even when you have plenty.

3. WARREN BUFFET

Found on: Forbes.com

Known for:

- being the world's most successful investor of the 20th century
- being the chairman, CEO and largest stockholder of Berkshire Hathaway
- "Oracle of Omaha", "Sage of Omaha", "Wizard of Omaha"

This one might be expected and yet the facts might not be. Sure Warren Buffet is famous for being well rich beyond your wildest dreams, but he certainly doesn't live like it. He lives in a very modest five bedroom home that he purchased for $30,000 forty years ago. He also buys used cars, nice cars but still used cars. So the key is that even if you are very rich you can save that money and find ways to do more good with it.

4. ASHTON KUTCHER

TV: MTV's Punk'd, That 70's Show
Movies: Spread, What Happens in Vegas

This jack of all trades may play goofy guys in TV and movies but he is a very smart investor. He has taken to investing in startups and his hunches are usually right. He is so good with investing that he now runs Grade-A investments. So if you have money just lying around, use it to make smart investments.

5. WILLIAM SHATNER

Found on: s747.beta.photobucket.com

TV: Star Trek, Boston Legal, The Practice
Movies: Star Trek 1,2,3, Miss Congeniality

William Shatner may not be in the public eye much beyond Priceline commercials are proof of what a smart investor he is. Priceline was a small startup that approached Shatner about doing radio spots. As the company grew they wanted Shatner to do television commercials but could not afford to pay him. Shatner believed in the company and offered to take stock in the company as his fee. His gamble certainly paid off.

6. SETH GREEN

Found on: s364.photobucket.com

TV: Buffy the Vampire Slayer, That 70's Show
Movies: Italian Job, Can't Hardly Wait

This actor, producer and director is very smart with his money. He spends wisely and makes sure to save plenty. He is so dedicated to being smart with his finances that he tries to help his fans follow suit. He even had a one hour special on ABC entitled Un-Broke and he has a you tube video that openly mocks Cribs. So follow the financial advice of someone who is wealthy and successful, chances are they know what they are doing.

7. WILL SMITH

Found on: telegraph.co.uk

TV: Blossom, The Fresh Prince of Bel-Air
Movies: I am Legend, Pursuit of Happyness, Seven Pounds

Will Smith has become something of a financial celebrity on top of his acting and music career. With quotes like, "Too many people spend money they haven't earned, to buy things they don't want, to impress people they don't like." He knows how to spend and save his money. He learned the hard way too when became nearly bankrupt in 1990 after underpaying his income tax. That experience gave him the discipline to keep his money.

8. MARK CUBAN

Found on: zimbio.com

TV: Mark Cuban (Shootout)
Movies: Shark Tank

Here is another man who is famous basically for being rich. He is also known for his role on Shark Tank (which he has because he's rich) and it is that role that shows why he is so smart with his money. Mark Cuban has a very diverse investment portfolio to decrease his risk. He has real estate, computer companies, the Dallas mavericks and a number of startups. So having a diverse portfolio is a good way to make money from investments with minimal risk.

9. SARAH MICHELLE GELLAR

Found on: self.com

TV: Buffy the Vampire Slayer
Movies: Call of the Dead

You might not expect someone with a net worth like Sarah Michelle Gellar to be much of a bargain shopper but this celebrity prefers to put her money toward charitable causes like Habitat for Humanity. She has been seen using coupons for her dry cleaning and shopping at department stores on double reward days. The key here is that even if you have money to pay full price, there is no reason to pass up a sale or a coupon when they are available.

10. TYRA BANKS

Found on: matthewjordansmith.com

TV: America's Next Top Model
Movies: Coyote Ugly

Chances are, you know Tyra Banks because she's beautiful, but that's one of the last reasons why you should know her. She enrolled in Harvard Business School in 2011 and graduated three years later. She has since used her education to start a number of companies and she is currently the CEO of several. So, the lesson is to educate yourself in business as much as you can and never limit yourself.

11. KEANU REEVES

Found on: keanuquotes.tumblr.com

TV: Walt Disney's Wonderful World of Color
Movies: The MATRIX, Constantine, Devil's Advocate

Keanu Reeves has been ranked as one of the most generous celebrities alive today and he can be that generous celebrities alive today and he can be that generous because he lives solely off the income from his past movies. He lives in a modest apartment and rides the subway to work. The money he earns from his current projects he gives to the movie crews so that they can pay off their debt. The key is not to spend money as you get it and make a budget. Since Keanu can live off the wealth he gained from past movies he can now take projects he enjoys and be generous with his earnings.

12. JAY LENO

Found on: squidoo.com

Jay Leno lives off a very unique philosophy, work two jobs. Live off the money you earn from one job and save the money your earn from the other. When Jay Leno was the host of the Tonight Show with Jay Leno for two decades he made $25million a year. He NEVER spent any of that money. Instead he lived off the money as a comedian and saved everything from the TV show.

13. MARISKA HARGITAY

Found on: shape.com

TV: Law and Order: Special Victims Unit, Chicago P.D.
Movies: Lake Placid, Leaving Las Vegas

Mariska Hargitay is the face of the very popular and successful Law and Order: SVU and she became one of the highest paid women in network television earning $500,000 an episode. However, she came from humble beginnings and says that she constantly worries about money. She's stated that she's been without money longer than she's had it, so she budgets and plans for a future for when she doesn't have money.

14. KRISTEN  BELL

Found on: flickr.com

TV: Heroes, Gossip Girl
Movies: Frozen (Anna's voice), Veronica Mars

Kristin Bell has often joked about being frugal and wanting to save her money. She and her husband Dax Shepard have a net worth of $18 million and yet the pair will never be seen living a lavish lifestyle. Their wedding was not one for a television special and Dax jokes that their wedding cost a mere $142 (including gas!) at the courthouse. Kristen Bell says that she is always using coupons and loves coupons, her favourite is a Bed, Bath and Beyond coupon.

15. DAVE GROHL

Found on: flickr.com

Band: Foo Fighters, Guitarist

Dave Grohl is a famous drummer that has a fortune of a $225 million and he remains the drummer for the Foo Fighters. Despite having a large home with a built in recording studio he says that he's afraid to spend his money. He keeps a large savings because he says without a high school diploma he has nothing to fall back on. So he wants to make sure his current fortune will last him the rest of his life if it has to. Planning for retirement or the future is a good move to make, no matter how much money you have.

Related posts:
1. MISS UNIVERSE 2015 - My experience for rooting for Nia Sanchez, Miss USA 2014
2. SAMANTHA ROSE SCOTT FEAUSI - a post featuring a powerful Rugby Player of the Year
Awardee
3. 15 THINGS TO GIVE UP - some of the worst habits that you just have to let go.