Preparation is the mark of a professional. Preparation is also the mark of a successful person in any field. As you move upward in any occupation, you will find that the top people spend far more time in preparation than the average person does. The top 10 percent in any field are always more thoroughly prepared in every detail than those who struggle for a living in the same occupation.

Guard Against the Worst

For me, as a professional speaker and seminar leader, the worst thing that could happen would be for my luggage to be lost and for me to arrive without the clothes and seminar materials that I need for my speaking engagement. To guard against this situation, I carry all my essentials on board with me, never out of my sight. Because of this habit of advance planning, I have never had an insurmountable problem because of baggage delays or losses. On the way to your destination, in the achievement of your most important goal, continually ask yourself, “What are the worst possible things that can happen?” And then guard against them.

Plan for Any Eventuality

The mark of a superior thinker is that he or she assumes that the worst will happen and makes provisions against it. Napoleon Bonaparte was once asked if he believed in luck. He replied, “Yes, I do. I believe in bad luck. I believe I will always have it, and I plan accordingly.”

Refuse to be Passive

My traveling experiences have taught me two things. First, prepare for the worst. No matter what anyone tells you, be prepared for the possibility that he or she will not follow through. Second, be proactive, not passive. Instead of becoming angry or depressed, get busy and get going. Find an alternative. Refuse to accept the current situation if it is not satisfactory. Instead of waiting for things to happen, make things happen.

Prepare a Checklist

Pilots carefully review a checklist prior to every flight. Even if they have flown thousands of hours and have been active pilots for twenty years, they still go through the checklist every single time. You should prepare a checklist as well. No matter how many times you have made the same trip, you should review your checklist once more. Never trust to memory. The failure to check just one critical detail can leave you stranded and maybe even put your destination out of reach. As you proceed toward your personal destinations and struggle toward your goals, the consequences of not following your checklist will not be as severe. But it is not unusual for a business to go broke or a person to lose all his or her money because someone failed to pay attention to a critical detail.

Action Exercise

Get in the habit of making checklists for big and small tasks. Make checklists for traveling and for work related tasks.

Success is the most enchanting word in the English language.

Tell the average person that SUCCESS is the attainment of whatever one wants in life without interfering with the rights of one’s fellowmen and that the very first step to be taken in procuring it is development of the habit of rendering more service than paid for and your words will fall on ears that hear but do not understand.

But, tell a person that SUCCESS means money and unless that person is one of the proverbial few who really understand how to succeed he will immediately show interest in your words by saying “SURE! HOW CAN I GET SOME OF IT WITHOUT GIVING MUCH IN RETURN?”

One of the very first jobs I ever had was that of handy-boy around a saw-mill, but it gave me a chance to see that a big puffing steam engine turned the machinery; that the steam in the big boiler kept the engine running; that the fireman kept the steam pouring into the engine by constantly pushing wood into the firebox. I noticed that when the fire began to die down the steam began to die down also; that a hot fire produced plenty of steam. Then and there I got my first lesson, in an elementary sort of way, of the principle of cause and effect. Later in life, long after I had worked myself into a higher place than that of handy-boy around a saw-mill, I saw evidence on every hand that there was a cause for everything; that nothing just happened by mere accident. I saw that achievement in any undertaking depended very largely upon the amount of intelligent effort put into it; that those who achieved most were those who served best.

Source:  Napoleon Hill’s Magazine. May-June, 1923. Pg. 34.

The Law of Abundance- there is ample money for everyone who knows how to acquire it and keep it. We live in an abundant universe in which there is sufficient money for all who really want it and are willing obey the laws governing its acquisition.

You Can Have All You Want
There is plenty of money available to you. There is no real shortage. You can have virtually all you really want and need. We live in a generous universe and we are surrounded on all sides by blessings and opportunities to acquire all we truly desire. Your attitude, of either abundance or scarcity toward money, will have a major impact on whether you become rich or not.

Make a Decision
The first corollary of the Law of Abundance says that, “People become wealthy because they decide to become wealthy.”

They become wealthy because they believe they have the ability to become wealthy. Because they believe this completely, they act accordingly. They consistently take the necessary actions that turn their beliefs into realities. And you can always tell what your beliefs really are by looking at your actions. There is no other way.

The second corollary of this law says: “People are poor because they have not yet decided to become rich.”

Examine Your Own Thinking
In the book, The Instant Millionaire, by Mark Fisher, the old millionaire asks the boy who has sought his advice about becoming a millionaire, “Why aren’t you rich already?”

This is an important question to ask yourself. However you answer this question will reveal a lot about yourself. Your answers will expose your self-limiting beliefs, your doubts, your fears, your excuses, your rationalizations and your justifications.

Review Your Reasons
Why aren’t you rich already? Write down all the reasons you can think of. Go over your answers one by one with someone who knows you well and ask them for their opinion. You may be surprised to find that your reasons are mostly excuses that you have fallen in love with.

Whatever your reasons or excuses, you can now get rid of them. The world is full of hundreds and thousands of people who have had far more difficulties to overcome than you could ever imagine, and they’ve gone on to be successful anyway. So can you.

Action Exercises
Here are two things you can do to apply this law immediately:

First, imagine that every experience you have ever had with money contained a special lesson that was designed just for you to help you to ultimately become financially independent. What are the most important lessons you have learned so far?

Second, analyze yourself honestly and determine your biggest block, your major self-limiting belief that holds you back from becoming more successful financially. Resolve to act from now on as if this block no longer exists.

Studying and practicing the principles of effective delegation have given you the foundation necessary to exploit the power of leverage. We will now examine other forms of this key tool of professional and business success. Each of the seven forms of leverage can help you expand the reach of your own talents and strengths. Each involves building on the work, talents, experiences, and contacts of other people.

Leveraging Other People’s Energy
The most productive people make sure they have time for the few things that give them the highest payoff by routinely seeking to delegate or outsource their lower-value activities.

Leveraging Other People’s Knowledge
Applying one simple piece of key knowledge to your situation can make a world of difference in the result you achieve. Finding and applying knowledge from another source can spare you tremendous amounts of money and labor. Follow the lead of successful people and scan books, magazines, tapes, articles, and conferences for ideas and insights you can use to help you achieve your goals faster.

Leveraging Other People’s Money
Knowing how and when to take advantage of other people’s money—by borrowing or otherwise tapping into other people’s financial resources—empowers you to achieve things that would be beyond your reach if you relied solely on your own resources. Seek out opportunities to borrow and invest, achieving returns in excess of the cost of the borrowed funds. Among the many sources for funds, consider, for example, chartered banks, savings and loan associations, venture capitalists, and public and private offerings of securities.

Leveraging Other People’s Successes
Study the successes that other people and companies have achieved to gain insights into their challenges and solutions. Most successful people have paid their dues in terms of money, energy, commitment, and even failure to arrive at the top of their fields. Learn from their experiences.

Leveraging Other People’s Failures
As Benjamin Franklin said, “Man can either buy his wisdom or borrow it. By buying it, he pays full price in personal time and treasure. By borrowing it, he capitalizes on the lessons learned from the failures of others.” Listen carefully to the stories of truly successful people. Those who genuinely wish to support you will share with you their failures as well as their successes.

Leveraging Other People’s Ideas
A single good idea, developed with passion and commitment, can give birth to a fortune. The greater your exposure to a range of ideas—gained through reading, studying, interaction, and experimentation—the greater the chance you will come across one that will lead you to enduring success.

Leveraging Other People’s Contacts of Other People’s Credibility
Everyone you know has friends, acquaintances, and professional contacts. Many of these people can make a positive impact on your career or business. Among all the people you know or are connected to in some way, who might open doors for you?

Action Exercise
How will you leverage your talents, skills, and actions by leveraging the energy of others?

Your beliefs cause you to see yourself and the world, and your relationship to time management, in a particular way. If you have negative beliefs in any area, these beliefs will affect your thinking and actions, and will eventually become your reality. You are not what you think you are, but what you think, you are.

Barrier 1: Worries About Organization
The first myth of negative belief, of time management is that if you are too well organized, you become cold, calculating, and unemotional. Some people feel that they will lose their spontaneity and freedom if they are extremely effective and efficient.

Many people hide behind this false idea and use it as an excuse for not disciplining themselves the way they know they should. The fact is that people who are disorganized are not spontaneous; they are merely confused, and often frantic. The key is structuring and organizing everything that you possibly can: Thinking ahead; planning for contingencies; preparing thoroughly and focusing on specific results. Only then can you be completely relaxed and spontaneous when the situation changes.

The better organized you are in the factors that are under your control, the greater freedom and flexibility you have to quickly make changes whenever they are necessary.

Barrier 2: Negative Mental Programming
The second mental barrier to developing excellent time management skills is negative programming, which is often picked up from your parents, but also from other influential people as you are growing up.

If your parents or others told you that were a messy person, or that you were always late, or that you never finished anything you started, chances are that as an adult, you may still be operating unconsciously to obey these earlier commands.

Time management and personal efficiency skills are disciplines that we learn and develop with practice and repetition. If we have developed bad time management habits, we can unlearn them. We can replace them with good habits over time.

Barrier 3: Self-Limiting Beliefs
The third mental barrier to good time management skills is a negative self-concept, or what are called “self-limiting beliefs.” Many people believe that they don’t have the ability to be good at time management. They often believe that it is an inborn part of their background or heritage. But there is no gene or chromosome for poor time management, or good time management, for that matter. Your personal behaviors are very much under your own control.

Action Exercise
Imagine that someone were to offer you a million dollars to manage your time superbly for the next thirty days. Imagine that an efficiency expert was going to follow you around with a clipboard and a video camera for one month. After thirty days if you had used your time efficiently and well, working on your highest priorities all day, every day, you will receive a prize of one million dollars. How efficient would you be over the next thirty days?

Inspire Others to Peak Performance
A transformational leader is one who excites and inspires people to perform far beyond their own expectations of themselves. Transformational leaders practice certain behaviors that cause their people to feel stronger, happier, more confident and more committed.

Delegate Responsibility
The first of these behaviors is the delegation of high levels of responsibility for results. Transformational leaders pick the right people, match them to the right jobs, achieve mutual clarity on the desired results and then they get out of the way and leave the individual with maximum freedom to perform.

Let People Do Their Work
Lao-Tse, the great Chinese philosopher, had this idea when he wrote, “A leader is best when people barely know he exists… when his work is done, his aim fulfilled, they will say, ‘We did this ourselves.’”

In a recent study, thousands of people were asked to describe their best bosses. Over and over, the respondents said things like, “I hardly saw him” or “He left me alone” or “He gave me complete freedom to do the job.”

Give Them Freedom
There is something liberating and empowering to know that you’ve been entrusted with a major responsibility and that you’ve been given the freedom to fulfill it. When the right person has been matched with the right job, the conditions for exceptional performance have been created.

Confidently Expect Success
Another behavior of transformational leaders is their confident attitude of positive expectations. They radiate a belief in themselves and in the ability of their subordinates to succeed. They know that the leader sets the psychological tone for the whole organization, so they consciously project a positive attitude no matter how distressing the external situation may appear. They are in complete control of themselves and their emotions.

Action Exercises
First, delegate complete responsibility for results to your subordinates. Discuss and agree on exactly what is to be done, when it is to be done and to what standard. Then, get out of the way and let them perform.

Second, express complete confidence in your subordinate’s ability to do an excellent job. Radiate an attitude of confident expectations. Even if you have personal doubts, never let them be seen by others. This is the role of leadership.

Ability, in its most effective form, is the result of thought expressed through organized action. Theory forms a helpful background for ability, but it is not enough to insure success. That is why the college graduate must acquire practical experience before he becomes a man of ability. Theoretical learning is an essential foundation of education, but it is only a foundation. An educated person is one who has developed his mind through a combination of theory and practice so that he can shape any set of circumstances to meet the requirements of his desires and deeds.

There is no school which equals the good old ‘University of Experience.’ This is one school where ‘cribbing’ is not possible. One either graduates on merit, or does not graduate at all, and the teacher is the student himself. Skill is developed in every calling through the coordination of the faculties of the mind and the physical body. Such coordination is attained through controlled habits. But unless a man becomes action conscious, he will never become an organized thinker. He may think from morning until night, but he will never build a bridge, or manage an industry successfully, unless he acquires the habit of putting his theories to the test through action. Right here is where many men deceive themselves by believing that are organized thinkers. I have heard many men say, ‘I have been thinking of doing this or that, but so far, I have found no way to do it.’ The main weakness of such men is that they have left out of their thinking one important factor – physical action expressed through definiteness of purpose.

If a man wishes to do something he should begin right where he is. Many will say, “What shall I use for tools? Where will I get the necessary working capital? Who will help me?” Men who accomplish anything worthy of mention usually begin before everything they need is at hand. I have never yet been entirely ready for anything that I have undertaken, and I doubt if anyone else ever has been.

The mark of the superior thinker is his or her ability to accurately predict the consequences of doing or not doing something. The potential consequences of any task or activity are the key determinants of how important it really is to you and to your company. This way of evaluating the significance of a task is how you determine what your next frog really is.

Long Time Perspective
Doctor Edward Banfield of Harvard University, after more than 50 years of research, concluded that “long-time perspective” is the most accurate single predictor of upward social and economic mobility in America. Long time perspective turns out to be more important than family background, education, race, intelligence, connections or virtually any other single factor in determining your success in life and at work.

Your attitude toward time, your “time horizon,” has an enormous impact on your behavior and your choices. People who take the long view of their lives and careers always seem to make much better decisions about their time and activities than people who give very little thought to the future.

Think About Your Future
Successful people have a clear future orientation. They think five, ten and twenty years out into the future. They analyze their choices and behaviors in the present to make sure that they are consistent with the long-term future that they desire.

In your work, having a clear idea of what is really important to you in the long-term makes it much easier for you to make better decisions about your priorities in the short-term.

Determine the Consequences
By definition, something that is important has long-term potential consequences. Something that is unimportant has few or no long-term potential consequences. Before starting on anything, you should always ask yourself, “What are the potential consequences of doing or not doing this task?”

The clearer you are about your future intentions, the greater influence that clarity will have on what you do in the moment. With a clear long-term vision, you are much more capable of evaluating an activity in the present and to assure that it is consistent with where you truly want to end up.

Make It A Top Priority
If there is a task or activity with large potential positive consequences, make it a top priority and get started on it immediately. If there is something that can have large potential negative consequences if it is not done quickly and well, that becomes a top priority as well. Whatever your frog is, resolve to gulp it down first thing.

Keep Motivated
Motivation requires motive. The greater the positive potential impact that an action or behavior of yours can have on your life, once you define it clearly, the more motivated you will be to overcome procrastination and get it done quickly.

Thinking continually about the potential consequences of your choices, decisions and behaviors is one of the very best ways to determine you true priorities in your work and personal life.

Action Exercises
Review your list of tasks, activities and projects regularly. Continually ask yourself, “Which one project or activity, if I did it in an excellent and timely fashion, would have the greatest positive impact on my life?”

Whatever it is that can help you the most, set it as a goal, make a plan to achieve it and go to work on your plan immediately. Remember the wonderful words of Goethe, “Just begin and the mind grows heated; continue, and the task will be completed!”

By the time we reach adulthood, most of us have acquired a good deal of clutter in our lives. As you begin to know yourself and know the image of the life you want to build, you will recognize this clutter. Throw it out!

You might begin by discarding some of those acquaintances who waste your time, interfere with your efforts and try to manage you. Clear them out! You need not turn them into enemies, but when you want to be yourself you will find ways to avoid any person who tries to deny you the inalienable right of being yourself.

There is also the self-made clutter which results from not having a clear idea of how you wish to use each day. Make up a time budget. Allot your time in favor of the “musts” which apply to anyone who wants to live his own life profitable and pleasantly.

Eight hours a day is a good allotment for sleep and for rest.
Eight hours a day is a good allotment for work at your business or profession; but as your pattern of life-success grows stronger, probably your hours of work will grow less.

The remaining eight hours are particularly precious. You should divide them into various periods, each of which will be devoted to something you wish to do, not something you have to do. What do you wish to do? Stop now and think. Make a list, such as:

Play, Social Life, Reading, Writing, Playing a Musical Instrument, Extending Your Knowledge in some field that has nothing to do with your making a living, Tending Your Garden, Building Gadgets in Your Home Workshop, Hiking, Boating, and “Just Sitting” and watching the clouds or the stars…

I repeat, those remaining eight hours are particularly precious. They are YOUR FREE TIME in which you may live your own life precisely as you wish to live it. You may find this takes some courage. You may have acquired and exaggerate sense of duty toward others (often a pretty description for plain meddling). You may too well remember being told in childhood such nonsense as “the devil finds work for idle hands.” But then, it takes courage to be one’s self and avoid the pressures to be like other people and let them live your life for you.

Source: Grow Rich With Peace of Mind. Fawcett Books. Published 1995. Pgs. 129-130.

Perhaps the most powerful single factor in your financial success is your beliefs about yourself and money. We call this the Law of Belief. It says simply this: Whatever you believe, with feeling, becomes your reality.

What Successful People Believe
Whatever you intensely believe becomes your reality. That we have a tendency to block out any information coming in to us that is inconsistent with our reality. What we’ve discovered is that successful people absolutely believe that they have the ability to succeed. And they will not entertain, think about, or talk about the possibilities that they’ll fail. They do not even consider the possibility of failure.

Positive Thinking Versus Positive Knowing
You always act in a matter consistent with your beliefs. The most important belief system you can build is a prosperity consciousness where you absolutely believe that you are going achieve your financial goals. We call this positive knowing versus positive thinking. Positive thinking can sometimes be wishing or hoping. But positive knowing is when you absolutely know that no matter what, you will be successful.

The Foundation of Willpower
Another principle related to your beliefs is willpower. We know that willpower is essential to any success. Willpower is based on confidence. It’s based on conviction. It’s based on faith. It’s based on your belief in your ability to triumph over all obstacles. And you can develop willpower by persistence, by working on your goals, by reading the biographies of successful people, by listening to audio programs, by reading books about people who’ve achieved success. The more information you take into your mind consistent with success, the more likely it is that you will develop the willpower to push you through the obstacles and difficulties you will experience.

Beat the Odds on Success
Remember that success is rare. Only one person in one hundred becomes wealthy in the course of a lifetime. Only five percent achieve financial independence. That means that the odds against you are 19-to-1. The only way that you’re going to achieve your financial goals is if you get really serious. To succeed, you must get serious. You must get busy. You must get active. You must get going. Remember, everything counts.

Resolve to Achieve Greatly
Self-mastery, self-control, self-discipline are essential for anyone who wants to achieve greatly. And control over your thoughts is the hardest exercise in self-mastery that you will ever engage in. See if you can talk and think about only what you desire and not talk or think about anything that you don’t want for 24 hours. Then you’ll see what you’re really made of. It’s a hard thing to do but with practice, you can reach the point where you are thinking about your goals and desires most of the time. Then, your whole life will change for the better.

Action Exercises
Here are two things you can do to build a belief system consistent with the financial success you desire:

First, continually repeat to yourself the words, pictures and thoughts consistent with your dreams and goals. Whatever you repeat often enough, over and over, becomes a new belief.

Second, set a goal for yourself to think and talk only about the things that you want for the next 24 hours. This will be one of the hardest things you ever do. But if you can keep your mind on what you want and off of what you don’t want for 24 hours, you can begin to change your entire future.