You Could Die Next Friday. Or Monday. So Stop Wasting Time.

27 01 2010

Found this incredibly inspiring and challenging interview while browsing The easiest way to go through life is to take the ‘default’ option of cruising on autopilot, taking the path of least resistance. The problem with this is that it leads to us missing out on what could have been. Tony Campolo once interviewed hundreds of elderly people, asking them what they would have done differently had they been able to go back in time. One of the most common – and most thought-provoking – answers he received, was “I would have taken more risks”. As the saying goes, it’s far more often the things we didn’t do (missed opportunities) that we will regret – not the things we did do (mistakes).

Have a read of this article – long but worth the read. Be inspired. Oh – and, if you haven’t already seen it, rent out “Yes Man” starring Jim Carrey ( Great comedy film (if you like Jim Carrey), but the message in it is powerful, and definitely makes you think.



Phil Keoghan: His Own Amazing Race to Live Life to the Fullest

The Amazing Race’s host and producer learns to face his fears.

January 3, 2010

PHIL KEOGHAN IS A RISK TAKER. The seven-time Emmy-winning host and producer of The Amazing Race and best-selling author has explored the deepest underwater caves. He’s set a world bungee-jumping record. He even ate dinner atop a volcano—an erupting volcano.

When he immigrated to New York City from New Zealand in the late ’80s, he had little money, no job and no friends. Risky, right? Keoghan, 42, says it’s the only way to be. “The successful people I know have taken a lot of risks—risk of failure, financial loss, being judged. Successful people tend to think less about what might go wrong and focus on what might go right.

There’s a difference between risk and calculated risk, however—a lesson Keoghan learned when he was 19. The events of that experience transformed him from a daredevil kid into a driven, compassionate adult who still savors excitement. Keoghan was just breaking into the film industry when he agreed to assist on an underwater documentary detailing a shipwreck off the coast of New Zealand. He and his diving partner entered the bowels of the ship to prepare for filming; the rest of the crew was supposed to meet them shortly. They never showed. Keoghan’s dive partner went to look for them, and the minutes stretched out. Keoghan began to hyperventilate; he became disoriented, stirring up silt and clouding his vision. He couldn’t find his way out of the ship, and his partner was nowhere to be found.

“It would be, without a doubt, the worst moment I’ve ever experienced—just absolute panic and despair,” Keoghan says. “I didn’t know what to do. I was out of control and didn’t know how to save myself. If I didn’t move, I was going to die. If I did move and couldn’t find my way out, I was going to die.”






No Opportunity Wasted

Rescue divers found Keoghan in time, but the event had a profound effect on his outlook. Resolved to maximize every second and never take life for granted again, Keoghan wrote out a list of everything he hoped to accomplish in his life. First up, a return to the sunken ship he had feared would become his grave. “If I left that ship as a memory and never went back to prove to myself that I could handle it, then I would forever live with the regret,” he says.

His initial list, which included bungee jumping and exploring those deep underwater caves, evolved as he transitioned from a carefree youth to a husband and father of a young daughter. It also drove him to help others. From it, he developed his best-selling book, NOW: No Opportunity Wasted, and built a successful motivational speaking career. Today, he’s also host of No Opportunity Wasted on the Discovery Channel.

One of the first keys to transforming yourself into a successful person, Keoghan says, is to get over your fear—whatever it is. Take bungee jumping, for instance. “You stand on that bridge, and if you were to measure all the things you’re scared of in life on a sliding scale… you’re used to living at zero to 0.5. Starting a new job is a four. Starting a new relationship is a five. [Starting] out at a gym might be a three. You want to try to do all these things but are too scared to begin. I assure you that standing on the top of a bridge with a rubber band attached to your feet and then leaping off is a 10. Leaping off is a mental leap. If you take your mind to a 10 and you allow yourself to be scared at a 10, pushing yourself physically and mentally more and more, eventually you become practiced at taking those mental leaps. If you practice facing your fear, you will become good at it.”

Facing the Fear

If the idea of jumping off a bridge has you gripping the pages of this magazine, take heart. Keoghan says not everyone needs to push out to a 10 to reap the benefits of this mental exercise. For many, just stretching out to a seven or eight will push them in the right direction. He points to an overweight CBS colleague who kept pestering him to go bike riding some weekend, only to beg off when Keoghan tried to set a date. Keoghan confronted his friend and convinced him to go on a simple, relatively short ride in Santa Monica, Calif.

“I know this guy to be a fun, upbeat guy,” Keoghan recalls. “After about 4 or 5 miles, we were going up a gradual hill. He was breathing and leaning over the bike. He was huffing and puffing and all red in the face. I thought he was going to throw up. I suggested we go back, and I could see he’d gone into a very dark place in his mind. He was really down on himself. So I tried to talk him up. I told him this is a start, this is good. I realized how big a deal this was for him. He’d built this up; this was a fantasy he’d had, but there were all these reasons why he hadn’t done it—he didn’t have time, he didn’t have a good bike, he was fat.”

Later that night, Keoghan’s friend e-mailed him, apologizing for ruining the ride. He explained that he used to be a competitive cyclist on the USA Cycling National Development Team and even sent photos of him crossing the finish line in first. Keoghan was blown away. He helped his friend get a top-of-the- line bike with the catch that he be on it when Keoghan began his trek across the United States to raise money for multiple sclerosis research. He was there, already 7 pounds lighter. Today he’s dropped 50 pounds and accompanies Keoghan on club rides.

“His whole life has turned upside down,” Keoghan says. “On a very individual level, that’s the kind of person I want to get through to. I’m not looking to change someone who does something that works. If they have something that works and are successful at running their lives, that’s great. I’m looking for people who have lost their way and need direction.”

I have this issue with the word failure.”

The Next Challenge

Keoghan finds that those lost people often have a pessimistic view of life, he says. They are constantly reasoning why something can’t or won’t happen. It’s a cycle that can have lasting consequences. “People become very good at what they practice. If you practice building a ‘wall of no’ up in front of everything you’re trying to do, you’ll be very good at building that wall. The more you practice, the thicker the wall becomes; the more resilient it becomes, the harder it will be to push that wall down.”

The key, says Keoghan, is to jump off that proverbial bridge. Train yourself to take calculated chances and risks; stretch your mind to embrace what you fear the most so that life’s challenges don’t seem that great. It’s that mindset that sent Keoghan down into the longest underwater tunnels beneath the Yucatan jungle in Mexico. An admitted claustrophobe, Keoghan was terrified of being trapped in underwater caverns. He embraced his fear and was rewarded with some of the most spectacular views he’s ever seen.

“I have this issue with the word failure,” he says. “I don’t like the word. I don’t think there’s such a thing as failure. To me, failure is just a necessary step to achieve a goal.

Being fearless and optimistic is all well and good, but identifying what you want to achieve is just as important, Keoghan says. Finding something you’re passionate about is the final piece to the puzzle.

“ What would you regret not doing? That takes a lot of soul-searching. It’s not something you just sit down and do. What gets you excited? What would you pay to do? If you’re doing a job that you would pay to do, surely you’ve arrived somewhere good.”

With those words, Keoghan is quick to catch himself. For him, the journey is the story. He’s always moving, always striving, always looking to mark that next item off his list. “I’m not selling a quick fix. This is a lifetime of work. This is about something you work on and focus on. My friend with the bike, he’s going to have to keep working away. We’re going to have a one-year celebration for him when he gets back down to his riding weight. Then we’ll have other goals for him.”

After that, who knows? Keoghan’s next challenge is just over the horizon.


A Soldier’s Last Letter

22 01 2010

A letter from Army Private Jesse A. Givens, 34, a soldier in Iraq. Private Givens was killed May 1 when his tank fell into the Euphrates River after the bank on which he was parked gave way. This letter was written to be delivered to his family if he died. Melissa is his wife, Dakota his 6-year-old stepson and Bean is the name he used for his son, Carson.

Reading this makes you stop and think about what is really important in life.

– Quinton


My family,

I never thought that I would be writing a letter like this. I really don’t know where to start. I’ve been getting bad feelings, though and, well, if you are reading this. . . .

The happiest moments in my life all deal with my little family. I will always have with me the small moments we all shared. The moments when you quit taking life so serious and smiled. The sounds of a beautiful boy’s laughter or the simple nudge of a baby unborn. You will never know how complete you have made me. You saved me from loneliness and taught me how to think beyond myself. You taught me how to live and to love. You opened my eyes to a world I never dreamed existed.

Dakota . . . you taught me how to care until it hurts, you taught me how to smile again. You taught me that life isn’t so serious and sometimes you just have to play. You have a big, beautiful heart. Through life you need to keep it open and follow it. Never be afraid to be yourself. I will always be there in our park when you dream so we can play. I love you, and hope someday you will understand why I didn’t come home. Please be proud of me.

Bean, I never got to see you but I know in my heart you are beautiful. I know you will be strong and big-hearted like your mom and brother. I will always have with me the feel of the soft nudges on your mom’s belly, and the joy I felt when I found out you were on your way. I love you, Bean.

Melissa, I have never been as blessed as the day I met you. You are my angel, soulmate, wife, lover and best friend. I am sorry. I did not want to have to write this letter. There is so much more I need to say, so much more I need to share. A lifetime’s worth. I married you for a million lifetimes. That’s how long I will be with you. Please keep my babies safe. Please find it in your heart to forgive me for leaving you alone. . . . Teach our babies to live life to the fullest, tell yourself to do the same.

I will always be there with you, Melissa. I will always want you, need you and love you, in my heart, my mind and my soul. Do me a favor, after you tuck the children in. Give them hugs and kisses from me. Go outside and look at the stars and count them. Don’t forget to smile.

Love Always,
Your husband,

The Psychology of Passive Barriers: Why Your Friends Don’t Save Money, Eat Healthier, or Clean Their Garages

21 01 2010

Ever procrastinated? Ever been frustrated at your apparent inability to do some basic task that would leave you much better off if done? It’s a strange aspect of human psychology that the simplest barriers or inconveniences can deter us from doing things that we know we should, and that we know we would benefit from immensely at the cost of only10 minutes of our time, or a miniscule amount of effort.

On the top rated personal finance and entrepreneurship blog, Stanford-educated NY Times best-selling author Ramit Sethi Today gives some powerful insight into WHY we behave like this, as well as some tools to help us DOMINATE these issues.

Note: in the post, Ramit refers to “401(k) plans” – this is the US equivalent of superannuation / KiwiSaver plans in Australia and NZ, where you have the option of contributing extra to your retirement savings plan.

Read on and STRETCH your mind.



A surprising thing happens to people in their forties. After working hard, buying a house, and starting a family, they suddenly realize that they’d better start being responsible with their money. They begin reading financial books and trying to learn how to set up a nest egg for themselves and their families. It’s a natural part of growing older.

If you ask these people in their forties what their biggest life worry, the answer often is, quite simply, “money.” They want to learn to manage their money better, and they’ll tell you how important financial stability is to them.

Yet the evidence shows something very different. In the table below, researchers followed employees at companies that offered financial-education seminars. Despite the obvious need to learn about their finances, only 17% of company employees attended. This is a common phenomenon: As Laura Levine of the Jumpstart Coalition told me, and I paraphrase, “Bob doesn’t want to attend his 401(k) seminar because he’s afraid he’ll see his neighbor there…and that would be equivalent to admitting he didn’t know about money for all those years.” They also don’t like to attend personal-finance events because they don’t like to feel bad about themselves.

But of those who did attend the employer event, something even more surprising happens:

– Of the people who did not have a 401(k), 100% planned to enroll in their company’s 401(k) offering after the seminar. Yet only 14% actually did.

– Of those who already had a 401(k), 28% planned to increase their participation rate. 47% planned to change their fund selection (most likely because they learned they had picked the default money-market plan, which was earning them virtually nothing). But less than half of people actually made the change.

This is the kind of data that drives economists and engineers crazy, because it clearly shows that people are not rational. Yes, we should max out our 401(k) employer match, but billions of dollars are left on the table each year because we don’t. Yes, we should start eating healthy and exercising more, but we don’t. Why not? Why wouldn’t we do something that’s objectively good for us?

Barriers are one of the implicit reasons you can’t achieve your goals. They can be psychological or profoundly physical, like something as simple as not having a pen when you need to fill out a form. But the underlying factor is that they are breathtakingly simple — and if I pointed them out to you about someone else, you would be sickened by how seemingly obvious they are to overcome.

It’s easy to dismiss these barriers are trivial, and say, “Oh, that’s so dumb!” when you realize that not having an envelope nearby could cost someone over $3,000. But it’s true. And by the end of this article, you’ll be able to identify at least three barriers in your own life — whether you want to or not.

Why people don’t participate in their 401(k)s
If you’re like me, whenever you hear that one of your co-workers doesn’t participate in their 401(k) — especially if there’s an employer match — you scratch your head in confusion. In my case, I feel a rage boiling up that reminds me of the ruins of Pompeii. Even though this is free money, many people still don’t participate. Journalists will cite intangibles like laziness and personal responsibility, suggesting that people are getting less responsible with their money over time. Hardly. It turns out that getting people to enroll in their 401(k) is just plain hard. Yet using simple psychological techniques, however, we can dramatically increase the number of people who participate in their company’s retirement plan. One technique, “automatic enrollment,” automatically establishes a retirement plan and contribution. You can opt out at any time, but you’re enrolled by default. Here’s how it affects 401(k) enrollment. ”AE” = automatic enrollment.

From 40% participation to nearly 100% in one example. Astonishing.

Today, I want to talk about one of the ways to drive behavioral change when it comes to your money. I call them barriers. While I do this, I’m going to ask you for a favor. You’ll see examples of people who lost thousands of dollars because they wouldn’t spend one hour reading a form. It’s easy to call these people “lazy” — and there’s certainly an element of that — but disdainfully calling someone lazy doesn’t explain the whole story. Getting people to change their behavior is extraordinarily hard — even if it will save them thousands of dollars or save their lives. If it were easy, you would have a perfect financial situation: You’d have no debt, your asset allocation would be ideal and rebalanced annually, and you’d have a long-term outlook without worrying about the current economic crisis. You’d be your college weight, with washboard abs and tight legs. You’d have a clean garage. But you don’t. None of us are perfect. That’s why understanding barriers is so important to changing your own behavior.

“Just spend less than you make — duh”
There is something especially annoying about the comments on personal-finance blogs. On nearly every major blog post I’ve made in the last year, someone has left a comment that goes like this: “Ugh, not another money tip. All you need to know is, spend less than you make.” Actually, that’s not true. If that were the case, as I pointed out above, nobody would be in debt, overweight, or have relationship problems of any kind. Simply knowing a high-level fact doesn’t make it useful. I studied persuasion and social influence in college and grad school, for example, but I still get persuaded all the time. These commenters make the common mistake of assuming that people are rational actors, meaning they behave as a computer model would predict. We know this is simply untrue: Books like Freakonomics and Judgment in Managerial Decision Making are great places to get an overview of our cognitive biases and psychological motivations. For example, we say we want to be in shape, but we don’t really want to go to the gym. We believe we’re not affected by advertising, but we’re driving a Mercedes or using Tupperware or wearing Calvin Klein jeans.

There are dramatic differences in what we say versus what we do. Often, the reason is so simple that we can’t believe it would affect us. I call these barriers, and I’ve written about them before: Last weekend, I went home to visit my family. While I was there, I asked my mom if she would make me some food, so like any Indian mom would, she cooked me 2 weeks’ worth. I came back home skipping like a little girl. Now here’s where it gets interesting. When I got back to my place, I took the food out of the brown grocery bag and put the clear plastic bags on the counter. I was about to put the bags in the fridge but I realized something astonishing:

…if I got hungry, I’d probably go to the fridge, see the plastic bags, and realize that I’d have to (1) open them up and then I’d have to (2) open the Tupperware to (3) finally get to the food. And the truth was, I just wouldn’t do it. The clear plastic bags were enough of a barrier to ignore the fresh-cooked Indian food for some crackers!! Obviously, once I realized this, I tore the bags apart like a voracious wolf and have provided myself delicious sustenance for the past week.

I think the source of 95%+ of barriers to success is…ourselves. It’s not our lack of resources (money, education, etc). It’s not our competition. It’s usually just what’s in our own heads. Barriers are more than just excuses — they’re the things that make us not get anything done. And not only do we allow them to exist around us, we encourage them. There are active barriers and passive barriers, but the result is still the same: We don’t achieve what we want to.

Active barriers are physical things like the plastic wrap on my food, or someone telling me that it’ll never work, etc. These are hard to identify, but easy to fix. I usually just make them go away.

Passive barriers are things that don’t exist, so they make your job harder. A trivial example is not having a stapler at your desk; imagine how many times a day that gets frustrating. For me, these are harder to identify and also harder to fix. I might rearrange my room to be more productive, or get myself a better pen to write with.

Today, I want to focus on passive barriers: what they are and how to overcome them.

How to destroy the passive barriers around you

Psychologists have been studying college students for decades to understand how to reduce unprotected sex. Among the most interesting findings, they pointed out that it would be rational for women to carry condoms with them, since the sexual experiences they had were often unplanned and these women can control the use of contraceptives. Except for one thing: When they asked college women why they didn’t carry condoms with them, one young woman typified the responses: “I couldn’t do that…I’d seem slutty.” As a result, she and others often ended up having unprotected sex because of the lack of a condom. Yes, technically they should carry condoms, just as both partners should stop, calmly go to the corner liquor store, and get protection. But many times, they don’t. In this case, the condom was the passive barrier: Because they didn’t have it nearby and conveniently available, they violated their own rule to have safe sex. Passive barriers exist everywhere. Here are some examples:

Barriers in e-mail
I get emails like this all the time:

– “Hey Ramit, what do you think of that article I sent last week? Any suggested changes?”

– My reaction? “Ugh, what is he talking about? Oh yeah, that article on savings accounts…I have to dig that up and reply to him. Where is that? I’ll search for it later. Marks email as unread

– Note: You can yell at me for not just taking the 30 seconds to find his email right then, but that’s exactly the point: By not including the article in this followup email, he triggered a passive barrier of me needing to think about what he was talking about, search for it, and then decide what to reply to. The lack of the attached article is the passive barrier, and our most common response to barriers is to do nothing.

Barriers on your desk
A friend of mine lost over $3,000 because he didn’t cash a check from his workplace, which went bankrupt a few months later. When I asked him why he didn’t cash the check immediately, he looked at me and said, “I didn’t have an envelope handy.” What other things do you delay because it’s not convenient?

Barriers to exercise
I think back to when I’ve failed to hit my workout goals, and it’s often the simplest of reasons. One of the most obvious barriers was my workout clothes. I had one pair of running pants, and after each workout, I would throw it in my laundry basket. When I woke up the next morning, the first thing I would think is: “Oh god, I have to get up, claw through my dirty clothes, and wear those sweaty pants again.” Once I identified this, I bought a second pair of workout clothes and left them by my door each day. When I woke up, I knew I could walk out of my room, find the fully prepared workout bag and clothes, and get going.

Barriers to healthy eating
When I was in college, I loved those Ramen Cup of Noodles. Unfortunately, I stored them in my closet, so each time I wanted one, I would have to walk to another room, reach up to the top of the closet, open the package, and prepare it. Ridiculous! Instead, I created this:

– Obviously, that’s a ridiculous example because I was a college student, but imagine how you can apply this to eat healthier (which we all routinely lie about): If you find yourself snacking on Cheetos all day at work, try this: Don’t take any spare change in your pockets for the vending machine. Even if you leave quarters in your car, that walk to the parking lot is barrier enough not to do it. Give yourself an alternative:

How do you think that’ll affect your eating behavior?

Applying passive barrier theory to your life
As we’ve seen, the lack of having something nearby can have profound influences on your behavior. Imagine seeing a complicated mortgage form with interest rates and calculations on over 100 pages. Sure, you should calculate all of it, but if you don’t have a calculator handy, the chances of your actually doing it go down dramatically.

Now, we’re going to dig into areas where passive barriers are preventing you from making behavioral change — sometimes without you even knowing it.

Fundamentally, there are two ways to address a passive barrier.

  • You’re missing something, so you add it to achieve your goals. For example, cutting up your fruit as soon as you bring it home from the grocery store, packing your lunches all at once, or re-adding the attachment to a followup email so the recipient doesn’t have to look for it again.
  • Causing an intentional passive barrier by intentionally removing something. You put your credit card in a block of ice in the freezer to prevent overspending. (That’s not addressing the cause, but it’s immediately stopping the symptom.) Or you put your unhealthiest food on the other side of the house, so you have to walk to them. Or you install software like Freedom to force yourself not to browse 50 websites in a day.

Personally, here are a few passive barriers I’ve identified for myself: I keep my checkbook by my desk, because for the few checks I receive in the mail, I tend to never mail them in. I keep a gym bag of clothes ready to work out. And I cut up my fruit when I bring it home from the store, because I know I’ll get lazy later. Let’s see how this can work for you.

  1. Get a piece of paper and a pen, or open up Notepad on your computer.
  2. Identify 10 things you would do if you were perfect. Don’t censor —just write what comes to mind. And focus on actions, not outcomes. Examples: “I’d work out 4 times per week, clean my garage by this Sunday, play with my son for 30 minutes each day, and check my spending once per week.”
  3. Now, play the “Five Whys” game: Why aren’t you doing it?

Let’s play out the last step with the example of exercising regularly:

  • I say I want to exercise 3 times per week, but I only go twice per month. Why?
  • Because I’m tired when I get home from work Why?
  • Because I get home from work at 6pm Why?
  • Because I leave late for work, so I have to put in 8 hours. Why?
  • Because I don’t wake up in time for my alarm clock. Why?
  • Hmm…Because when I get in bed, I watch TV on Hulu for a couple hours.

Solution: Put the computer in the kitchen before you go to sleep —> sleep earlier —> come home from work at an earlier time —> feel more rested —> work out regularly.

That’s a gross oversimplification, but you see what I mean. Pick ten areas of your life that you want to improve. Force yourself to understand why you haven’t done so already. Don’t let yourself cop out: “I just don’t want to” isn’t the real reason. And once you find out the real reasons you haven’t been able to check your spending, or cook dinner, or call your mom, you might be embarrassed at how simple it really was. Don’t let that stop you. Passive barriers are valued in their usefulness, not in how difficult they are to identify.

Summing it up: Passive barriers in your life

Passive barriers are subtle factors that prevent you from changing your behavior. Unlike “active” barriers, passive barriers describe the lack of something, making them more challenging to identify. But once you do, you can immediately take action to change your behavior.

You can apply barriers to prevent yourself from spending money, cook and eat healthier, exercise more, stay in touch with your friends and family, and virtually any other behavior. You can do this with small changes or big ones. The important factor is to take action today.

A caveat: Sometimes people take this advice to mean, “The reason I haven’t been sticking to my workout regimen is that I don’t have the best running shoes. I should really go buy those $150 shoes I’ve been eyeing…that will help me change my behavior.” Resolving passive barriers is not a silver bullet: Although they help, you’ll be ultimately responsible for changing your own behavior. Instead of buying better shoes immediately, I’d recommend setting a concrete goal — “Once I run consistently for 20 days in a row, I’ll buy those shoes for myself” — before spending on barriers. Most changes can be done with a minimum of expense.

Thanks for reading.

This is a guest post from Ramit Sethi, the founder of, a blog on personal finance and entrepreneurship. Check out his new book here: I Will Teach You To Be Rich.

Be the Best

20 01 2010

“Essentially, people need to focus on only one thing – to be the best at being themselves. The less you stand for your best at life and in work, the more genius will desert you – and find someone else to serve.”

Robin Sharma

Do you believe in miracles?

18 01 2010

There are only two ways to live your life.

1. As though nothing is a miracle.

2. As if everything is a miracle.

– Albert Einstein

What if?

18 01 2010

Spotted this thought-provoking billboard in Circular Quay, Sydney Harbour’s waterfront. I will let it speak for itself.



“If your ship doesn’t come in, swim out to meet it.”

– Jonathan Winters

Quotes on Success: Anders Sorman-Nilsson

15 01 2010

I am currently reading a fantastic book called Secrets of Great Success Coaches. It’s an original idea in that each chapter of the book is comprised of an interview with a prominent or successful entrepreneur, thinker, author or speaker. The chapter I read this morning was written by Anders Sorman-Nilsson, an international speaker and business & personal coach. Here are some of my favourite quotes from his chapter – enjoy.



Anders Sorman-Nillson, on “Goals For Life”

“I realised that to be successful, I just had to work smarter and be a little more focused than the people I was competing with.”

“People who are passionate about what they do and truly know their purpose, will always find it easy to perform at their peak.”

“Life success is solely a matter of attitude. It is attitude, not aptitude, that will ultimately give you altitude in life.”

“Essentially, people need to focus on only one thing – to be the best at being themselves. Everyone else is already taken.”

“The one thing that will have the biggest impact on one’s life when done repeatedly, is constant learning. Corporate futurist Alvin Toffler says, “The illiterates of the 21st Century will not be those who cannot read and write, but those who cannot learn, unlearn and relearn.” Oliver Wendell Holmes also said, “A person’s mind, once stretched, never returns to its original dimensions.” ”

“We frequently underestimate what we can achieve in a year, and overestimate what we can do in a month.”

“Whatever we get is a direct result of our output.”

“Time is just a human construct designed to impose order on chaos.”

“One of the biggest keys to success is sharing your goals with people who will support you in achieving them. Find a group of people who are happy and successful in what they do, and have a track record of achieving their outcomes, and share your visions with them, asking for specific tips and advice that will be useful to you. Sharing your goals with pessimistic people is not a good idea. It is vital that the people you surround yourself with respect and appreciate your evolution.”