Waves are free….

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When someone lets you into the flow of traffic, or holds a door, or takes a second to acknowledge you, it’s possible to smile and offer a wave in response.

This, of course, costs you nothing.

It creates a feeling of connection, which is valuable.

It makes it more likely that people will treat someone else well in the future.

And it might just brighten your day.

The simplest antidote to a tough day is generosity. Waves are free, and smiles are an irresistible bonus.

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The best time to study for the test…

sam_muchai_blog

… is before it’s given.

The best time to campaign is before the election.

And the best time to keep a customer is before he leaves.

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Like riding a bike…

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People talk about bike riding when they want to remind us that some things, once learned, are not forgotten.

What they don’t mention is how we learned. No one learns to ride a bike from a book, or even a video.

You learn by doing it.

Actually, by not doing it. You learn by doing it wrong, by falling off, by getting back on, by doing it again.

PS this approach works for lots of things, not just bikes. Most things, in fact.

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5 Reasons You Aren’t Rich (Yet)…

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Why doesn’t your bank account reflect your growing financial literacy?

The road to financial freedom is not easy. As soon as you set off on this path, you run into roadblock after roadblock. Many people become disheartened and give up right away. Others plug along for a while, but without results, they soon give up. Only a tenacious few can push forward and become truly rich.

I often meet people who have been following the path for a while and don’t understand why they aren’t any closer to financial freedom. They’ve read the books, taken courses, and can read and interpret the financial column of the newspaper with ease.

Many of them approach me asking, “I’m financially literate, but I still can’t seem to increase my income. What am I doing wrong?”

My answer to them is: “It might not be something you’re doing, but something you’re feeling that’s holding you back.”

Our emotions and behaviors dictate our future more than we care to admit. And sometimes, it’s the things we’re feeling or the attitudes we’re carrying around that are keeping us from moving forward.

Five things holding you back

There are five main reasons why financially literate people may still not develop abundant asset columns that could produce a large cash flow.

They are:

1. Fear

2. Cynicism

3. Laziness

4. Bad habits

5. Arrogance

Most people struggle with many of these factors, whether consciously or unconsciously. Conquering them is not easy, but it is necessary to achieving true wealth.

1) Fear

This is by far the most prevalent reason most people are not wealthy. If you weren’t afraid of anything, what would you do right now that could make you rich? Quit your job? Start your own company? Invest your savings in assets?

So many people spend their time reading and studying and increasing their financial literacy, but when it comes to acting on their knowledge, they balk. They’re afraid.

Fear is understandable. Taking risks, making changes, it’s all scary. It’s alright to feel afraid. What’s not alright is letting your fear overwhelm you to the point that you don’t act. That’s when fear goes from being natural to being a roadblock standing in your way of true freedom.

2) Cynicism

Cynicism is another form of fear. It’s a distrust that prevents you from having the confidence to move forward.

This distrust could be of yourself, and manifest in overwhelming self doubt. It could be paranoia about the markets, or questioning a solid deal, and backing out of an investment at the last minute.

However cynicism manifests itself, it will hold you back. You have to learn to distinguish between a genuine concern and an overblown fear. If you are financially literate, and have done your homework, you have to trust in your ability. You can’t let others talk you out of what you know is right, and you can’t talk yourself out of trusting in your knowledge.

3) Laziness

We all think we know what laziness looks like. Lying on the couch for five hours straight watch Netflix and eating popcorn. If you accuse a hardworking person of being lazy, you’ll get a very angry retort.

But laziness affects all of us, and busy people are often the laziest people of all. People easily become “too busy” to take care of the important things, like their health, their family, and their money. They go to their job and work all day, and are too exhausted when they get home to do anything else.

When they aren’t busy with work or family, they’re often busy watching TV, playing golf, or shopping. Yet deep down they know they are avoiding something important.

That’s the most common form of laziness: laziness by staying busy.

So take a long, honest look at your life. Is your excuse for not investing the fact that you’re too busy? What does that mean? What are you really busy with? And how is that holding you back from financial freedom?

4) Bad habits

Habits control our future. Cultivate bad ones, and your future slips out of your control.

Bad habits are often the worst things holding us back. They’re extremely hard to break; it takes discipline and continued conscious effort.

A lot of people don’t have the discipline to break their bad habits. And worse, many people don’t even realize that their habits are bad in the first place. For example, someone who sleeps late on the weekends might think they’re catching up on needed sleep. But that habit is taking away several hours that they could be researching investments or building a side business.

Examine the habits in your life. Some of them might be so ingrained in your routine you don’t notice them. But how are they holding you back?

5) Arrogance

Robert’s rich dad often said, “Every time I have been arrogant, I have lost money. Because when I’m arrogant, I truly believe that what I don’t know is not important.”

I have found that many people use arrogance to try to hide their own ignorance. They bluster through, overcompensating with confidence to hide the fact that they don’t know what they’re doing. Instead of humbly acknowledging where they need to change, they blame other people and circumstances for their own failures.

Put another way, many arrogant people who read this blog probably thought,“That doesn’t apply to me” to every single thing above.

If you can’t be honest and humble with yourself, you don’t have a chance of achieving financial freedom.

The good news

Now for the best part. If you’re suffering from one or more of the above, it means you have a very good chance of being rich. All you have to do is learn to conquer the roadblock holding you back.

Of course, that’s not easy. In fact, it’s incredibly difficult, otherwise everyone would be rich. But acknowledging the factors holding you back from increasing your wealth is the first step. With practiced effort, you can overcome these bad habits and emotions and find your way to freedom.

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Lazy but talented…

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That’s most of us.

You can work really hard to get a little more talented.

And you can also work to get a little less lazy.

It turns out that getting less lazy, more brave—more clear about your fears, your work and your mission—are all easier than getting more talented.

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It’s almost impossible to sell the future…

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If you’re trying to persuade someone to make an investment, buy some insurance or support a new plan, please consider that human beings are terrible at buying these things.

What we’re good at is ‘now.’

Right now.

When we buy a stake in the future, what we’re actually buying is how it makes us feel today.

We move up all the imagined benefits and costs of something in the future and experience them now.That’s why it’s hard to stick to a diet (because celery tastes bad today, and we can’t easily experience feeling healthy in ten years). That’s why we make such dumb financial decisions (because it’s so tempting to believe magical stories about tomorrow).

If you want people to be smarter or more active or more generous about their future, you’ll need to figure out how to make the transaction about how it feels right now.

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Is your phone using you..??

sam muchai blog

Your smartphone has two jobs.

On one hand, it was hired by you to accomplish certain tasks. In the scheme of things, it’s a screaming bargain and a miracle.

But most of the time, your phone works for corporations, assorted acquaintances and large social networks. They’ve hired it to put you to work for them. You’re not the customer, you’re the product. Your attention and your anxiety is getting sold, cheap.

When your phone grabs your attention, when it makes you feel inadequate, when it pushes you to catch up, to consume and to fret, it’s not working for you, is it?

On demand doesn’t mean you do things when the device demands.

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Plenty of room for you and me…

sam_muchai_blog

Have you noticed that authors often happily recommend books by other authors (even though an MBA might call them competitors)?

Not only that, but books sell best in the bookstore, right next to the other books.

It would be a stunning surprise if Tim Cook wrote a blurb for a Samsung phone. They live in a zero-sum universe, assuming that everyone is likely to only buy one or the other.

But for the rest of us, in most industries, it turns out that the real competition is inaction. Few markets have expanded to include everyone, and most of those markets (like books and music) have offerings where people buy more than one.

This means that if there’s more good stuff, more people enter the market, the culture gets better, more good work is produced and enjoyed, more people enter the market, and on and on.

So encouraging and promoting the work of your fellow artists, writers, tweeters, designers, singers, painters, speakers, instigators and leaders isn’t just the right thing to do, it’s smart as well.

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The paradox of the flawless record…

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If your work has never been criticized, it’s unlikely you have any work.

Creating work is the point, though, which means that in order to do something that matters, you’re going to be criticized.

If your goal is to be universally liked and respected and understood, then, it must mean your goal is to not do something that matters.

Which requires hiding.

Hiding, of course, isn’t the point.

Hence the paradox. You don’t want to be criticized and you do want to matter.

The solution: Create work that gets criticized. AND, have the discernment to tell the difference between useful criticism (rare and precious) and the stuff worth ignoring (everything else).

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Certainly,humans can only follow one command or none at all…

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I know it’s popular to be a multi-tasking ninja, but the research is clear and conclusive. Human beings actually can’t multi-task well…or at all.

For many years the psychology research has shown that people can only attend to one task at a time.

To be more specific, your brain can attend to only one cognitive task at a time

Yes you can dance and sing at the same time but brain tasks? Not so much

You can either talk or listen

Write or read

Grasp a concept or make a decision

One task at one time

And if the brain is forced to handle 2-3 cognitive tasks simultaneously, it either abandons the tasks all together or does a poor job of all but one.
How this affects your business and what can you do about it?

If you have one of those websites where the home page is a medley of too many things asking for way too many actions, you might be taxing the brain of your visitor to the point where he won’t do anything at all.

Ask them to do one thing and one thing only (sign up, like your page or donate for example). Define your primary objective for each page and just ask for the action that would help achieve that objective.

Nothing else!
Don’t ask them to like, share, subscribe, add to bookmarks or do any of the things that will take the attention away from your primary objective.

Don’t fatigue their brains, period!

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