Have you ever wondered why some people seem to be

blessed with miraculous success while others are not?

Successful people don’t achieve their success by accident.

It takes much more than skills and talents to attain great

success in life. Even the most talented people can fail. It’s

the ones who recognize their power and use it to their

advantage that achieve the success they desire!

Jim Carey deliberately used his power to strategically

produce success at a time when things were challenging in

his life. In 1987, he was married with a new baby, living in a

single apartment in Los Angeles, and working in comedy

clubs at night. Afterwards, he would drive to the top of

Mulholland Drive and look out over the city where he

affirmed that he was the most sought after comedian in the

business. He experienced what it was like to be that

successful and didn’t come down from the mountain until

he felt like he was. He also wrote himself a check for $10

million dollars for acting services rendered. A path opened

up that eventually led him to that success. On the day that

his check was dated, Jim Carrey was worth 10 million

dollars. He later became one of the world’s highest paid

actors and able to command $20 million a movie.

You, too, have the power to achieve tremendous success. It

just takes understanding your power and then setting your

desires into motion!

Skyrocket your business to success by using just a few

simple techniques!

1. START YOUR DAY BY STATING A POWERFUL

DECLARATION!

Your words are powerful! The words that you speak and the

thoughts that you think attract to you the exact conditions that

you focus upon the most consistently. If you want to be

successful, your words and your thoughts need to

consistently confirm your success!

* Affirm: “Enormous quantities of money are being drawn to

me from everywhere and I see myself becoming financially

independent immediately!”

2. WRITE IT DOWN!

Take advantage of the Power of your word!

Everyday write down:

* “I see my business skyrocketing and becoming an

immediate financial success! I consistently net over $

easily and effortlessly every single month!”

Or:

* “I see all of my investments doubling and tripling

consistently, which make me a multi-millionaire

immediately!”

3. FEEL LIKE IT!

Take a moment each day and experience what it feels like to

be the success you desire.

Example: While you are sitting at your desk, close your eyes

and experience yourself sitting in a location that you would

be in if your success were a reality now! Such as:

* Sitting at a desk in your new office:

Feel how comfortable your new leather chair is and imagine

yourself feeling how smooth the hardwood finish is on your

desktop. It feels so wonderful being in your brand new

office. It is so beautiful, and everything is so clean and

organized. You hear your phones continually ringing with

orders and a competent staff is taking all of the calls. Your

business has become so successful that everyone is

seeking you out and buying everything that you have for sale.

* Sitting on a chase lounge by your new swimming pool:

Feel how relaxing it is to be lying out on a comfortable chase

lounge next to your beautiful new pool. The air is clear and

smells so good, and the heat from the sun feels so

soothing on your body. You are so grateful that your

business has become such a tremendous financial

success that you can now take time off to consistently relax

and play with your family!

* Being on your own yacht on the ocean:

Feel how exhilarating it is to be cruising out on the turquoise

ocean on your own magnificent yacht. You love the smell of

the fresh ocean air and you can feel the sea breeze on your

face. You are so grateful that money is just pouring into your

life! Lucrative opportunities became available to you that

enabled you to immediately become a huge financial

success! Your business is now generating millions of

dollars in passive income and you have lots of time to do

what you love. You have fun traveling and relaxing…all year

through!

or…

* Being on stage being interviewed by Oprah Winfrey!:

Her producers sought you out because your product has

become one of her “Favorite Things”! You are now a world

renown success and the revenues have not only afforded

you a lavish lifestyle, your contributions to charities have

empowered everyone throughout the world.

Use your imagination! Whatever you impress your

subconscious with consistently, will soon be reproduced in

your life.

© 2005 Carole Dore, PowerVision Dynamics,

CreateMoneyFAST.com

NOTE: Some excerpts within the above article are taken

from “The Emergency Handbook For Getting Money FAST!”

How to develop a career is a question on every professional’s mind. Whether a budding professional or a working professional, one can always do with more Career development and planning Tips. Let me share some tips on career development based on my own career learning and observing other professionals with successful career.

• Choose Your Career With Care: Not everyone is fortunate enough to choose a career or decide on a career of choice right at the onset. For many professionals the career development journey starts with a job that he/she lands up after completing the threshold qualifications. Through the years, acquiring skills and competencies one gradually develops a professional. If you get an opportunity to choose your career, give a hard think to the options and opportunities before you decide your chosen career.
• Build Your Skill Bank: This Success Tip is rather important. Invest in skill building and acquiring expertise in your area. Knowledge and skill is always at a premium in any profession. More so, to sustain success, one needs to constantly upgrade skills and add new competencies as the world is constantly changing are so are the demands of a professional to sustain success
• Get A Development Plan: Who will give you a plan but for you for your career. Whether it is a chosen or accidental, the day you wake up to your dream of having a successful career, get yourself a plan. Reach out to advisors or counselors to define a milestone driven plan and work relentlessly towards achieving those. Do you know you won’t even need an external motivation to pursue the goals once you chart them for yourself.
• Create A Roadmap For Yourself: It is primary to have a career road map for yourself with defined milestones. Once your overall development plan is designed, create short term milestones road map that will keep you on your toes to achieve them such that your larger career goal is met and you continue to develop yourself successfully. Short milestones (typically, yearly or so) will ensure you are continuously chasing a target and don’t get distracted from your career building journey

Remember, It is your career and the ownership should be yours. Sustaining in a job is no great achievement, being the best of what you are and performing the best in whatever you do is! Wake up to the benefits of career success and stop searching the answer to how to develop a career.

The world of financial advice is divided into 3 main categories. The traditional financial advisor is what most people are familiar with. This is the most common arrangement where a financial advisor works for an institution and sells product. The financial advice is given “free” and is part of the process of selling these products. The second category of advisor is called a fee-based financial advisor. This type of advisor does the same thing as the traditional advisor, but charges a flat percentage fee based on the assets managed rather than by product. The cost can be less but still can add up over time because the fees are based on a percentage of the assets you have. The advice is still part of the service and is “free”. The last option is a fee-only or fee for service financial planner. This type of planner only gives advice and does not sell product. The charge for the advice is a flat dollar amount based on how much time is spent or how complicated the project is.

What Are the Advantages and Disadvantages of Each Type?

Cost

The traditional advisor tends to be the most expensive. The fees are based on the dollar amount of products you buy. As an example, if you invest $100,000 worth of mutual funds and are paying 2% fees, you are paying $2000 per year as long as you own these funds. The 2% figure is an average MER (Management Expense Ratio) based on a mixture of equities and fixed income (stocks and bonds). There may be other fees like sales loads, account fees, trading fees, trailer or referral fees, administrative fees or penalties for switching or redeeming early. To know the real cost, you would have to add up the costs for your situation.

The fee-based financial advisor may have reduced fees since they are charging a flat percentage instead of an MER plus other costs. Reduced fees are somewhere in the range of 1% to 1.5% for an entire account. The catch is that this option is available to people with larger amounts of assets since the fees charged have to be substantial enough to make it profitable. The minimum asset threshold usually starts at $500,000 in investible assets (assets in a trading account). If you have $1 million invested, this fee can be as high as $10,000 to $15,000 per year.

The fee-only financial planner charges for a plan or project using a flat dollar fee. This means that you would have a plan done once or periodically every 3 or 5 years, and you would pay somewhere between $1,000 and $5,000 per plan.

Note: don’t fixate too much on the names or titles of the person you are dealing with – i.e. financial planner versus financial advisor. These names or titles are used interchangeably in Canada and do not specify a given service or accreditation. There are also additional names like financial consultant, investment advisor, portfolio manager and so on. The key to know what you are dealing with is to ask “what are the fees in dollars?” and have this explained to you. Judging from what you hear, you will know what type of fee structure that is being presented.

Conflict of Interest

The traditional advisor has to serve many masters. There is the client who is paying the bills and must be taken care of. There is the institution and the boss who wants to make the most money possible from client fees. Lastly, there is the regulator / compliance team who ensures that you the advisor is serving the client and not breaking any company, industry or criminal laws. If your company has products that are sub-par, you the advisor are now conflicted. You can sell the client a mediocre product and make your boss happy, or tell the client to go to a competitor and get a better deal which will make the customer happy. Unless you are a very experienced advisor with a substantial book of business or you don’t need the job, it is very difficult to make everyone happy.

The fee-based financial advisor has a similar dilemma if serving the client means that assets should be taken elsewhere. There is also the advice of paying down debt, purchasing real estate, using money to buy a business, starting an art collection, taking money overseas, buying physical metals and so on which are not products sold by the institution and therefore would not generate any fees.

The fee-only planner does not have these conflicts because there is only one master – the client. There are no products and no assets – only the legal system and the ethics body of the association that the advisor belongs to.

Array of Services

In this area, the traditional advisor has the advantage. If you are in a situation that requires a will, an accountant, an estate trustee, a mortgage broker, or insurance products, the traditional financial advisor works for an institution that can provide these services. The administrative aspect of this is also handled for you: Opening accounts, trading, rebalancing the portfolio, automated deposits and withdrawals or filling out forms.

A fee-based financial planner may be able to provide these extra services, but it will depend on the size of the firm. The smaller “boutique” firms may specialize in portfolio management or investments and you may still have to recruit a network of professionals if you have a more complex situation.

The same situation applies for a fee-only or fee for service financial planner. People who do fee-for-service planning tend to be individuals or small companies without the resources to provide a network of professionals.

Minimum Asset Level

If you are selling products or managing assets, the fees that pay for the whole process including the financial planning are a percentage of the amount of money being used to purchase products or assets. If the amount of money being invested is $100,000 at 2% fees, you would be paying $2000 per year. The products would likely come from a preset list. A “know your client” (KYC) survey would be filled out and products are selected rather than having a comprehensive plan done. Asset minimums for a financial plan typically start at $500,000 in product purchases or assets, but some firms may provide a plan with a smaller asset amount. In the age of robo-planning, a plan can be created using software for under $1,000, but it may not cover all of the scenarios since software is not complete versus talking to a human being.

In the fee-only financial planner case, there is no need for asset minimums because the revenue is not tied to product sales. The revenue generated is tied to time spent and work performed, and whether there is a $1000 trade or a $100 million trade in buying a product, the amount of work in creating a plan and allocating the assets will be the same.

Which type of advisor is right for you? It will depend on what you have, what you need, how much of the work you are doing yourself, and how much knowledge and comfort you have about finances.