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	<title>Fearless Money &#187; Personal Growth</title>
	<atom:link href="http://fearlessmoney.com/category/personal-growth/feed/" rel="self" type="application/rss+xml" />
	<link>http://fearlessmoney.com</link>
	<description>Just another Ecomsmith Blogs site</description>
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		<title>Getting help = more time to make money</title>
		<link>http://fearlessmoney.com/2007/getting-help-more-time-to-make-money/</link>
		<comments>http://fearlessmoney.com/2007/getting-help-more-time-to-make-money/#comments</comments>
		<pubDate>Fri, 11 May 2007 06:28:09 +0000</pubDate>
		<dc:creator>Bruce Kroeze</dc:creator>
				<category><![CDATA[Lifestyle]]></category>
		<category><![CDATA[Personal Growth]]></category>

		<guid isPermaLink="false">http://fearlessmoney.com/2007/getting-help-more-time-to-make-money.html</guid>
		<description><![CDATA[<p>In a momentous move for me, I&#8217;ve finally actually paid someone to do something I really could&#8217;ve done myself. This is a huge change for me, and I can&#8217;t believe it took me until almost 40 years old before I could get comfortable with it.</p> <p>I paid a strong young guy $250 to rip <span style="color:#777"> . . . &#8594; Read More: <a href="http://fearlessmoney.com/2007/getting-help-more-time-to-make-money/">Getting help = more time to make money</a></span>]]></description>
			<content:encoded><![CDATA[<p><img src="/images/grass_healthy.jpg" alt="grass healthy Getting help = more time to make money" class="left" title="Getting help = more time to make money" />In a momentous move for me, I&#8217;ve finally actually paid someone to do something I really could&#8217;ve done myself.  This is a huge change for me, and I can&#8217;t believe it took me until almost 40 years old before I could get comfortable with it.</p>
<p>I paid a strong young guy $250 to rip out about 30 feet of shrubs and blackberry brambles.  It took him two days in the sun, and two or three pickup truck loads of hauling.  That&#8217;s quite a deal for me, and he seemed pretty happy with his pay, though perhaps he underestimated the work a little.</p>
<p>Basically, my house was looking too scrubby, and despite my best intentions I just could not find the time to rip out the ugliness.  Nor do I have a truck to haul away the debris.  But despite that, I was working steadily away at the task until I realized a simple truth.  I make $100 to $150 an hour.  Brush removal is not worth $100 per hour.  It would be different if I enjoyed it, but &#8230; ahhh &#8230; no.</p>
<p>On one level, I know it is no big deal.  Lots of people hire lawn services, maid services or personal assistants.  But for me, it was a line I simply hadn&#8217;t ever felt comfortable crossing. It is one thing to pay for an expert to fix your car, and an entirely different thing to pay someone to do what you could very well do if you weren&#8217;t so lazy (so says my Protestant work-ethic).</p>
<p>It was a good first step, but I actually intend to hire many more such services.  I&#8217;m simply too busy with my new business and the work is too readily available for me to not take advantage of the obviously financial advantages I&#8217;ll reap by doing so.  If I liked washing dishes or clothes, I suppose I would keep doing it.  I don&#8217;t, so a maid is next on the list, along with a regular lawn service arrangement.  Wow, it&#8217;s like I&#8217;m becoming a grownup or something.</p>

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		<title>Identifying as a Small Businessman</title>
		<link>http://fearlessmoney.com/2007/identifying-as-a-small-businessman/</link>
		<comments>http://fearlessmoney.com/2007/identifying-as-a-small-businessman/#comments</comments>
		<pubDate>Mon, 07 May 2007 16:25:21 +0000</pubDate>
		<dc:creator>Bruce Kroeze</dc:creator>
				<category><![CDATA[Entrepreneurial]]></category>
		<category><![CDATA[Personal Growth]]></category>

		<guid isPermaLink="false">http://fearlessmoney.com/2007/identifying-as-a-small-businessman.html</guid>
		<description><![CDATA[<p>Months into my new life as a small-businessman, I still stumble on the old question &#34;What do you do?&#34;</p> </p> <p>But I am getting better. This weekend, at the Beltane party, I started to answer &#34;I&#8217;m a programmer&#8230;&#34;, but then caught myself and said, &#34;Actually these days I am a small business owner. I <span style="color:#777"> . . . &#8594; Read More: <a href="http://fearlessmoney.com/2007/identifying-as-a-small-businessman/">Identifying as a Small Businessman</a></span>]]></description>
			<content:encoded><![CDATA[<p><img src="/images/bihn_bag.jpg" alt="bihn bag Identifying as a Small Businessman" class="right" title="Identifying as a Small Businessman" />Months into my new life as a small-businessman, I still stumble on the old question &quot;What do you do?&quot;</p>
</p>
<p>But I am getting better.  This weekend, at the Beltane party, I started to answer &quot;I&#8217;m a programmer&#8230;&quot;, but then caught myself and said, &quot;Actually these days I am a small business owner.  I went into business for myself earlier this year with a couple partners.&quot;</p>
<p>I really love identifying myself this way.  It has something to do with the fact that my father was a small business owner, which I always admired and knew I wanted to emulate some day.  It also has something to do with the fact that people don&#8217;t seem to glaze over quite so quickly when you talk about starting a business.</p>
<p><span id="more-164"></span></p>
<p>In the past, I often found that people would pigeonhole me quickly if I would talk about programming and why I liked it.  &quot;He&#8217;s into computers, I&#8217;m not.&quot;, &quot;He&#8217;s into computers and that is boring.&quot; or sadly enough often, &quot;He&#8217;s a Linux guy, I&#8217;m a Windows guy, so he must hate me.&quot;</p>
<p>But if I talk about the challenges with building a business, getting clients, and really talking with them, I find that I usually connect.  Everyone, even employees, face some of those problems.  Whether the difficulty with communicating, or with coming to an agreement about what needs to be done, or even difficulties getting paid in a timely manner.</p>
<p>I&#8217;m trying to use these opportunities to polish my &quot;elevator pitch&quot; about my business.  Not so much in the hope that these people will hire me, but to try it out in various ways and get good at delivering a short, punchy summary of what we do and why we love it.  If I can keep them interested for 30 seconds then I might have a better shot at the next big client.</p>
<p>Technorati Tags: <a href="http://technorati.com/tagstartup" rel="tag">startup</a>, <a href="http://technorati.com/tagsmall-business" rel="tag">small-business</a>, <a href="http://technorati.com/tagconsulting" rel="tag">consulting</a></p>

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		<title>Maypoles in Portland</title>
		<link>http://fearlessmoney.com/2007/maypoles-in-portland/</link>
		<comments>http://fearlessmoney.com/2007/maypoles-in-portland/#comments</comments>
		<pubDate>Sun, 06 May 2007 18:30:57 +0000</pubDate>
		<dc:creator>Bruce Kroeze</dc:creator>
				<category><![CDATA[Personal Growth]]></category>
		<category><![CDATA[Site News]]></category>

		<guid isPermaLink="false">http://fearlessmoney.com/2007/maypoles-in-portland.html</guid>
		<description><![CDATA[One of the benefits of getting organized is taking the occasional day completely off. <span style="color:#777"> . . . &#8594; Read More: <a href="http://fearlessmoney.com/2007/maypoles-in-portland/">Maypoles in Portland</a></span>]]></description>
			<content:encoded><![CDATA[<p><img src="/images/post/maypole07.jpg" alt="maypole07 Maypoles in Portland" class="center" title="Maypoles in Portland" /><br />
<img src="/images/post/maypole_mia07.jpg" alt="maypole mia07 Maypoles in Portland" class="left" title="Maypoles in Portland" />One of the benefits of getting organized is taking the occasional day completely off.  Without guilt.</p>
<p>Yesterday, I went with the family to a Beltane party at a friend&#8217;s house.  I took the picture above after the maypole dance, which is something I haven&#8217;t had a chance to do in years.  I was always too busy, or felt that I was.  That&#8217;s just foolish, life passes too quickly, especially so when you never take breaks.</p>
<p>I&#8217;ve also been &quot;too busy&quot; for this blog, and I want to remedy that.  So, I&#8217;m going to let it get a bit more personal and chatty, while I make an effort to get back in the swing of writing regularly here and at <a href="http://www.coderseye.com">programming blog</a>.</p>
<p>Technorati Tags: <a href="http://technorati.com/tagmaypole" rel="tag">maypole</a>, <a href="http://technorati.com/tagportland" rel="tag">portland</a></p>

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		<title>Lessons Learned from 18 Months of GTD</title>
		<link>http://fearlessmoney.com/2007/lessons-learned-from-18-months-of-gtd/</link>
		<comments>http://fearlessmoney.com/2007/lessons-learned-from-18-months-of-gtd/#comments</comments>
		<pubDate>Thu, 08 Feb 2007 17:09:13 +0000</pubDate>
		<dc:creator>Bruce Kroeze</dc:creator>
				<category><![CDATA[GTD]]></category>
		<category><![CDATA[Personal Growth]]></category>
		<category><![CDATA[Planning]]></category>

		<guid isPermaLink="false">http://fearlessmoney.com/2007/lessons-learned-from-18-months-of-gtd.html</guid>
		<description><![CDATA[I've been using David Allen's "Getting Things Done" method for just about 18 months now. Without wanting to sound too gushing, it really has been a life changing process for me. <span style="color:#777"> . . . &#8594; Read More: <a href="http://fearlessmoney.com/2007/lessons-learned-from-18-months-of-gtd/">Lessons Learned from 18 Months of GTD</a></span>]]></description>
			<content:encoded><![CDATA[<p><img src="/images/grad_cap.jpg" alt="grad cap Lessons Learned from 18 Months of GTD" class="right" title="Lessons Learned from 18 Months of GTD" />I&#8217;ve been using David Allen&#8217;s <a href="http://www.amazon.com/gp/redirect.html%3FASIN=0142000280%26tag=pugseye-20%26lcode=xm2%26cID=2025%26ccmID=165953%26location=/o/ASIN/0142000280%253FSubscriptionId=02ZH6J1W0649DTNS6002">&#8220;Getting Things Done&#8221;</a> method for just about 18 months now. Without wanting to sound too gushing, it really has been a life changing process for me.</p>
<p>The two main areas of my life that I&#8217;d been neglecting up until then were my finances and my ability to get projects done.  I always made good money, and I always managed to get a lot done, but somehow I rarely had anything to show in either area.  My money was being wasted and my efforts as well.</p>
<p>I don&#8217;t use the GtD techniques exactly as presented, at least not all of them.  If you listen to his audio seminar &#8220;Getting Things Done Fast&#8221;, you realize that he doesn&#8217;t intend that anyone really should.  The ideas are meant to be adapted to the needs of the individual. As I&#8217;ve changed jobs and responsibilities, I&#8217;ve also had to adapt my working routine to reflect my changing needs.  This is a good thing, since each time I do that, the system gets more integrated into my life.</p>
<p>Following are the four main elements my GTD practice that work astoundingly well for me.</p>
<p><span id="more-153"></span></p>
<h3>Key 1: Zero-based</h3>
<p>The big hassle in getting started with GTD is getting through all your piles of papers and tasks, giving them an initial organization.  I think that&#8217;s where many give up.  Don&#8217;t.  For me, it was intensely liberating to finally get everything filed.  I went out and bought two solid, good-feeling file cabinets along with a labeler and a pile of file folders.  I threw out my old system and started fresh.  Wow.  That was one of the truly great decisions of my life.</p>
<p>Just the other day, my wife was wondering where she&#8217;d put her contact list.  She hadn&#8217;t seen it  in months, and she needed to write an old friend.  &#8220;I don&#8217;t know&#8221;, I said, &#8220;if i filed it, It would be under &#8216;Dustin Contacts&#8217;&#8221;.  I didn&#8217;t remember, and I didn&#8217;t need to remember.  That&#8217;s crucial.  Where would I file something like that?  Because I wouldn&#8217;t throw it out, it must be in the files, and it could only be in one or two places.  A trusted system saved (probably fruitless) searching and annoyance.  I simply wouldn&#8217;t put something like that anywhere else.</p>
<p>Zero-based is more than just filing papers, of course. I spend the first hour of each morning processing everything in my in-boxes.  The is both my physical inbox and my email boxes.  I used to dread doing this, and honestly it took until a few months ago to get committed to clearing my email.  My coworkers (when I had them) thought I was nuts, but I was always ahead of the game, knowing what people had asked and when.  I didn&#8217;t have to constantly run searches on my own email inbox.</p>
<p>One great tip for me has been simply writing notes and throwing them into my inbox.  Physical or email, doesn&#8217;t matter, either way I can trust that I&#8217;ll see the note within a day and take the proper action on it.</p>
<h3>Key 2: The tool choice doesn&#8217;t matter</h3>
<p>I am an optimizer and a geek.  I love tools, gadgets and &#8220;cool stuff&#8221;.  I spent the first six months of my GTD life trying all sorts of tools.  Palm, Treo, &#8220;hiptop&#8221;, &#8220;Kinkless GTD&#8221;, each of them works great.  It wasn&#8217;t until I picked one and stuck with it that I started really getting the rewards.</p>
<p>The problem is that when you are constantly changing, you lose the trusted nature of the system.  At any time, you should trust your system absolutely.  It should have no leaks or &#8220;alternates&#8221;.  If it does, your system won&#8217;t give you the peace of mind you are after.</p>
<p>My current system is <a href="http://marketcircle.com">Daylite</a> for tracking, inboxes for gathering, and <a href="http://devonthink.com">DevonThink</a> for long term project knowledge base and planning.  I am mostly at one computer all day, so this works for me at the moment.  When I worked in an office, I used the 3&#215;5 index card &#8220;hiptop&#8221; method.  The important thing for me was to commit totally to one and only one method at a time.</p>
<h3>Key 3: Projects don&#8217;t have to be big</h3>
<p>For a long time, I made the mistake of thinking that my GTD projects had to be big.  &#8220;Get out of debt&#8221; and &#8220;landscape the yard&#8221; were the scopes I tended to use. These are still valid, but I&#8217;ve found a lot of value in lowering the bar significantly.  David Allen&#8217;s definition of a project is something like &#8220;any goal that takes more than one step to achieve.&#8221;  So now I have projects like &#8220;Spring Goodwill donation.&#8221;  That one requires at least two steps, probably more.  When there is no resistance to adding a new project, since after all I can always change my mind or move it to &#8220;someday/maybe&#8221;, I find that I capture the real tasks-of-life much more effectively.</p>
<h3>Key 4: Regular review</h3>
<p>I am not the best at this part, to be truthful.  I tend to do it at the most biweekly.  I think ideally it should be weekly at the longest.</p>
<p>Despite that, I find that regular review makes me consider the value of my projects much more analytically.  I ask myself the important questions such as &#8220;Is this project really the best use of my time?&#8221;, &#8220;Could anyone else in the family do it?&#8221;, &#8220;Could I just pay someone to do this?&#8221;, or perhaps most importantly &#8220;Does this project move the family toward our long-term goals?&#8221;.</p>
<p>Technorati Tags: <a href="http://technorati.com/tagGTD" rel="tag">GTD</a>, <a href="http://technorati.com/tagGetting+things+done" rel="tag">Getting things done</a>, <a href="http://technorati.com/tagDavid+Allen" rel="tag">David Allen</a></p>

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		<title>Life Without an Employer</title>
		<link>http://fearlessmoney.com/2007/life-without-an-employer/</link>
		<comments>http://fearlessmoney.com/2007/life-without-an-employer/#comments</comments>
		<pubDate>Sun, 04 Feb 2007 04:43:43 +0000</pubDate>
		<dc:creator>Bruce Kroeze</dc:creator>
				<category><![CDATA[Employment]]></category>
		<category><![CDATA[Entrepreneurial]]></category>
		<category><![CDATA[Personal Growth]]></category>

		<guid isPermaLink="false">http://fearlessmoney.com/2007/life-without-an-employer.html</guid>
		<description><![CDATA[<p>With three days on my own now under my belt, I think I am in the perfect position to talk about some of the differences. While employment is still fresh in my mind, everything is still new to me. I&#8217;m having so much fun learning and growing into my new phase of working life.</p> <span style="color:#777"> . . . &#8594; Read More: <a href="http://fearlessmoney.com/2007/life-without-an-employer/">Life Without an Employer</a></span>]]></description>
			<content:encoded><![CDATA[<p><img src="/images/employees_only.jpg" alt="employees only Life Without an Employer" class="left" title="Life Without an Employer" />With three days on my own now under my belt, I think I am in the perfect position to talk about some of the differences.  While employment is still fresh in my mind, everything is still new to me.  I&#8217;m having so much fun learning and growing into my new phase of working life.</p>
<p>One observation which is a bit different than expected is just how many people are out and about during the day.  When I was working, I guess it was just natural for me to think that &#8220;everyone works during the day&#8221;.  Now, I&#8217;m noticing that this is just not true.  I attended a kickboxing class on Friday at 9:30am, full. I tried going to Costco at noon, and it was just as busy as it is on a Saturday afternoon.</p>
<p>Another observation is just how much time there actually is in a day.  Cutting out the hour commute to Dotster sure adds a lot of productive time to my day.</p>
<p>I&#8217;m also quite pleased at how much better I am at my daily &#8220;contact&#8221; tasks.  Call this person, email that one.  I set aside a time every morning to take care of those tasks and then I do it.  No coworkers come by to chat, no &#8220;fires&#8221; start burning out of control, and I get things done.  Amazing and so satisfying.</p>
<p>Technorati Tags: <a href="http://technorati.com/tagentrepreneur" rel="tag">entrepreneur</a>, <a href="http://technorati.com/tagemployment" rel="tag">employment</a></p>

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		<title>Warcraft or Success, Choose One</title>
		<link>http://fearlessmoney.com/2006/warcraft-or-success-choose-one/</link>
		<comments>http://fearlessmoney.com/2006/warcraft-or-success-choose-one/#comments</comments>
		<pubDate>Sat, 02 Dec 2006 03:29:13 +0000</pubDate>
		<dc:creator>Bruce Kroeze</dc:creator>
				<category><![CDATA[Entrepreneurial]]></category>
		<category><![CDATA[Goals]]></category>
		<category><![CDATA[Personal Growth]]></category>

		<guid isPermaLink="false">http://fearlessmoney.com/2006/warcraft-or-success-choose-one.html</guid>
		<description><![CDATA[It has been about a year now since I decided to break out of the month-to-month trap. In that time, I've started a business, and begun a partnership in another business venture. It has taken all of my attention, effort, and passion to make these things happen. <span style="color:#777"> . . . &#8594; Read More: <a href="http://fearlessmoney.com/2006/warcraft-or-success-choose-one/">Warcraft or Success, Choose One</a></span>]]></description>
			<content:encoded><![CDATA[<p><img src="/images/sword.jpg" alt="sword Warcraft or Success, Choose One" class="right" title="Warcraft or Success, Choose One" />It has been about a year now since I decided to break out of the month-to-month trap.  In that time, I&#8217;ve started a business, and begun a partnership in another business venture.  It has taken <i>all</i> of my attention, effort, and passion to make these things happen.</p>
<p>I know they would not have happened if I was playing World of Warcraft.<span id="more-147"></span>  Just this week, I was reading <a href="http://ask.metafilter.com/mefi/52031">a discussion</a> on <a href="http://ask.metafilter.com">ask metafilter</a>, where one person eloquently phrased my exact feelings:</p>
<blockquote><p>
Several years from now, no matter how you spend the next several years, there will be many, many things you wish you had accomplished between now and then. Playing WoW is an obvious way to make sure you don&#8217;t accomplish things that you&#8217;ll one day wish you had. It&#8217;s a regret factory.
</p></blockquote>
<h3>Regret Factory</h3>
<p>&#8220;It is a regret factory&#8221;, what a great turn of phrase.</p>
<p>I have friends who play, and I have had a similar addiction in the past.  I used to play Ultima Online, and vividly remember how much of my life was quite literally wasted amassing enough gold to buy an in-game house.  Then I went on vacation, didn&#8217;t login for a while, and my house disappeared.  Poof.  In one instant, I didn&#8217;t even have the thin enjoyment of a pretend house to show for my months of effort.</p>
<h3>Or Success</h3>
<p>Contrast that event with what I&#8217;ve received from a similar dedication to business.  In the last few months, I&#8217;ve made several thousand dollars from clients.  I&#8217;ve made contacts with interesting people who I can help and who will be able to help me in the future.  I&#8217;ve learned so much about marketing myself, commitment to myself, and believing in myself.</p>
<p>The wonderful thing about all that is that nothing can take those accomplishments away.  Yes, I could spend the money.  But all the learning doesn&#8217;t go away.  The contacts wouldn&#8217;t fade if I went on vacation for a couple weeks.  It is additive, and positive.</p>
<p>Even more interesting, and totally from-the-heart-true is the fact that it is thrilling.  Actually, it is just as thrilling, only in a more deep-down way, as the rush from beating a boss in a video game.  Landing a client feels simply amazing.  Getting that multi-thousand dollar check feels unbelievable.</p>
<h3>Similar Effort</h3>
<p>My point here is not to try to talk people out of playing games.  That&#8217;s foolish, and would never happen.  What I&#8217;m trying to convince you to do is to take a long hard look at what is obsessing you.  Is it building to the future?  Or will it all evaporate the moment you stop paying attention to it?</p>
<p>If it is the latter, maybe you should reconsider your passions.</p>
<p>Technorati Tags: <a href="http://technorati.com/tagworld+of+warcraft" rel="tag">world of warcraft</a>, <a href="http://technorati.com/tagwarcraft" rel="tag">warcraft</a>, <a href="http://technorati.com/tagwow" rel="tag">wow</a>, <a href="http://technorati.com/tagmmorg" rel="tag">mmorg</a>, <a href="http://technorati.com/tagbusiness" rel="tag">business</a></p>

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		<title>Me?  In sales?  Crazy.</title>
		<link>http://fearlessmoney.com/2006/me-in-sales-crazy/</link>
		<comments>http://fearlessmoney.com/2006/me-in-sales-crazy/#comments</comments>
		<pubDate>Sun, 26 Nov 2006 02:10:32 +0000</pubDate>
		<dc:creator>Bruce Kroeze</dc:creator>
				<category><![CDATA[Entrepreneurial]]></category>
		<category><![CDATA[Personal Growth]]></category>

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		<description><![CDATA[I never, ever, thought I would "do" sales. <span style="color:#777"> . . . &#8594; Read More: <a href="http://fearlessmoney.com/2006/me-in-sales-crazy/">Me?  In sales?  Crazy.</a></span>]]></description>
			<content:encoded><![CDATA[<p><img src="/images/handshake.jpg" alt="handshake Me?  In sales?  Crazy." class="right" title="Me?  In sales?  Crazy." />I never, ever, thought I would &#8220;do&#8221; sales.  At least I haven&#8217;t since my disastrous first (and only) sales job 19 years ago.</p>
<p>Just out of college, living with way too many people, I took a sales job with Radio Shack.  I made nothing.  I just couldn&#8217;t push the terrible &#8220;Coco&#8221; computer to people who I knew would be better served by anything else.</p>
<p><span id="more-145"></span></p>
<p>The one time I did make a sale, I had my commission stolen by my manager.  I quit and decided never to try that again.  This lasted 19 years, until just this last month.</p>
<p>Last month I went on two client contact/pre-proposal meetings.  I went representing my area of the company, and I ended up making real connections with the clients.  It was natural, easy, and actually enjoyable.</p>
<p>What?</p>
<p>What about how bad I supposedly was at sales?  Isn&#8217;t that sales?  Didn&#8217;t I do a great job?</p>
<p>The fact is, that was sales, and I did do a great job.  The most amazing thing is that I thoroughly enjoyed myself.  I guess it is time to change my beliefs about myself and grow.  I&#8217;m not as limited as I thought I was.</p>
<p>Heh, I guess the real kicker for growth will be when we actually close one or more of the deals.  Until then I have some learning to do.</p>
<p>Technorati Tags: <a href="http://technorati.com/tagpersonal+growth" rel="tag">personal growth</a>, <a href="http://technorati.com/tagsales" rel="tag">sales</a></p>

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		<title>Proud to be interested</title>
		<link>http://fearlessmoney.com/2006/proud-to-be-interested/</link>
		<comments>http://fearlessmoney.com/2006/proud-to-be-interested/#comments</comments>
		<pubDate>Wed, 22 Nov 2006 06:34:34 +0000</pubDate>
		<dc:creator>Bruce Kroeze</dc:creator>
				<category><![CDATA[Employment]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Personal Growth]]></category>

		<guid isPermaLink="false">http://fearlessmoney.com/2006/proud-to-be-interested.html</guid>
		<description><![CDATA[The other day, I was reading Loral Langemeier's new book "The Millionaire Maker's Guide to Wealth Cycle Investing" as I was getting off the elevator at work. <span style="color:#777"> . . . &#8594; Read More: <a href="http://fearlessmoney.com/2006/proud-to-be-interested/">Proud to be interested</a></span>]]></description>
			<content:encoded><![CDATA[<p><img src="/images/book_pile2.jpg" alt="book pile2 Proud to be interested" class="left" title="Proud to be interested" />The other day, I was reading Loral Langemeier&#8217;s new book <a href="http://www.amazon.com/gp/redirect.html%3FASIN=0071478728%26tag=pugseye-20%26lcode=xm2%26cID=2025%26ccmID=165953%26location=/o/ASIN/0071478728%253FSubscriptionId=02ZH6J1W0649DTNS6002">&#8220;The Millionaire Maker&#8217;s Guide to Wealth Cycle Investing&#8221;</a> as I was getting off the elevator at work.  A coworker asked what I was reading.  I told him, and mentioned that I was learning quite a bit from it.  He actually snickered.</p>
<p>Now, snickering never feels nice, but in this case it made me really think about what caused that reaction, and to a certain degree how my financial growth is distancing me from many of my coworkers.</p>
<p><span id="more-142"></span></p>
<p>In fact, I used to hide my reading of books like that from coworkers and bosses.  I felt like I was putting on airs or something.  Like I would never be wealthy anyway, and that reading these books was akin to &#8220;get rich scheming&#8221;, that bugaboo label of poor people everywhere.  That was before I really began my mental shift from wage earner to entrepreneur.  From paycheck-to-paycheck to actual financial planning.</p>
<p>These days, I read tons about wealth and moneymaking.  I listen to business audiobooks almost every day on my 90 minute commute.  I don&#8217;t hide the books anymore, and I am finding a very interesting reaction.</p>
<h3>Reactions</h3>
<p>My coworkers are almost universally dismissive.  At least my peers are.  This is strange to me, since these are professionals making decent corporate money.  I don&#8217;t know their salaries, but I&#8217;d be shocked if some weren&#8217;t in the low six figures, and most are probably in the $75-90K range.  They are definitely making enough that they could be investing and taking an interest in investment.  But they don&#8217;t, or most don&#8217;t anyway.</p>
<p>However, those above me in the corporate food-chain are interested.  Actually, I think it makes them more interested in me.  For example, I like the Financial Times newspaper, and it is often sitting on my desk.  I think it is interesting that the most successful salesperson in the company made a point of talking with me about how much he likes that paper too.  My boss has made a point of talking with me about some of the tactics I&#8217;ve learned from such books as <a href="http://www.amazon.com/gp/redirect.html%3FASIN=0965175081%26tag=pugseye-20%26lcode=xm2%26cID=2025%26ccmID=165953%26location=/o/ASIN/0965175081%253FSubscriptionId=02ZH6J1W0649DTNS6002">&#8220;The Single Best Investment: Consistently Creating Wealth with Dividend Growth&#8221; (Lowell Miller)</a> and <a href="http://www.amazon.com/gp/redirect.html%3FASIN=0131721291%26tag=pugseye-20%26lcode=xm2%26cID=2025%26ccmID=165953%26location=/o/ASIN/0131721291%253FSubscriptionId=02ZH6J1W0649DTNS6002">&#8220;Opportunity Investing: How To Profit When Stocks Advance, Stocks Decline, Inflation Runs Rampant, Prices Fall, Oil Prices Hit the Roof, &#8230; and Every Time in Between&#8221; (Gerald Appel)</a>.</p>
<h3>An Observation</h3>
<p>I&#8217;ve read many times that you can predict how much money a person makes by observing his friends.  Generally, people make within 10% of their friends.  I think this is part of how that happens.  Subtle social disapproval and enforcement of the norms.
<p>Technorati Tags: <a href="http://technorati.com/tagwealth" rel="tag">wealth</a>, <a href="http://technorati.com/taglangemeier" rel="tag">langemeier</a>, <a href="http://technorati.com/tagembarrassment" rel="tag">embarrassment</a></p>

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		<title>Opportunity</title>
		<link>http://fearlessmoney.com/2006/opportunity/</link>
		<comments>http://fearlessmoney.com/2006/opportunity/#comments</comments>
		<pubDate>Sun, 17 Sep 2006 21:13:32 +0000</pubDate>
		<dc:creator>Bruce Kroeze</dc:creator>
				<category><![CDATA[Personal Growth]]></category>

		<guid isPermaLink="false">http://fearlessmoney.com/2006/opportunity.html</guid>
		<description><![CDATA[As true now as when it was written.From "Think And Grow Rich! <span style="color:#777"> . . . &#8594; Read More: <a href="http://fearlessmoney.com/2006/opportunity/">Opportunity</a></span>]]></description>
			<content:encoded><![CDATA[<p><img src="../wp-content/themes/images/bridge.jpg" alt="bridge Opportunity" class="alignleft" title="Opportunity" />As true now as when it was written.</p>
<p>From <a href="http://www.amazon.com/gp/redirect.html%3FASIN=1593302002%26tag=pugseye-20%26lcode=xm2%26cID=2025%26ccmID=165953%26location=/o/ASIN/1593302002%253FSubscriptionId=02ZH6J1W0649DTNS6002">&#8220;Think And Grow Rich!</a> by Napoleon Hill:</p>
<blockquote><p>
Never in the history of America has there been so great an opportunity for practical dreamers as now exists.  The hardships of the recent tough and unsettled economic times have put many people back at square one.  A new race is about to be run.  The stakes represent huge fortunes which will be accumulated within the next few years.  The rules of the race have changed because we now live in a CHANGED WORLD that definitely favors those who have had little or no opportunity to win under the conditions existing recently, when fear often paralyzed personal and economic growth and development.
</p></blockquote>
<p>Technorati Tags: <a href="http://technorati.com/tagquotes" rel="tag">quotes</a>, <a href="http://technorati.com/tagnapoleon+hill" rel="tag">napoleon hill</a>, <a href="http://technorati.com/tagopportunity" rel="tag">opportunity</a></p>

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		<title>On workplace &quot;heroes&quot;</title>
		<link>http://fearlessmoney.com/2006/on-workplace-heroes/</link>
		<comments>http://fearlessmoney.com/2006/on-workplace-heroes/#comments</comments>
		<pubDate>Sun, 17 Sep 2006 03:24:47 +0000</pubDate>
		<dc:creator>Bruce Kroeze</dc:creator>
				<category><![CDATA[Employment]]></category>
		<category><![CDATA[Personal Growth]]></category>

		<guid isPermaLink="false">http://fearlessmoney.com/2006/on-workplace-heroes.html</guid>
		<description><![CDATA[In the last couple years, I've slowly come to an interesting realization about work, and certain types of people at work. <span style="color:#777"> . . . &#8594; Read More: <a href="http://fearlessmoney.com/2006/on-workplace-heroes/">On workplace &#34;heroes&#34;</a></span>]]></description>
			<content:encoded><![CDATA[<p><img src="../wp-content/themes/images/medal.jpg" alt="medal On workplace &quot;heroes&quot;" class="alignleft" title="On workplace &quot;heroes&quot;" />In the last couple years, I&#8217;ve slowly come to an interesting realization about work, and certain types of people at work.  Basically, that being a &#8220;hero&#8221; gets me nowhere, and letting other people be &#8220;the hero&#8221; is a wise thing to do.</p>
<p>I work in &#8220;the internet field&#8221;, for one of the largest domain name registrars in the world.  I&#8217;ve pretty much always worked in a similar environment, one where IT and development were a huge part of the company.  I now see that each one of them  had this one thing in common, the presence of self-proclaimed heroes in these departments.</p>
<p>These are the people who will pull all-nighters to bring in the project on time, or to bring the servers back up after a disaster.  Usually men, at least in my experience, they are the ones who know everything in their domain, and they&#8217;ve made themselves absolutely indispensable.</p>
<p>Probably this is not unique to IT/Development, I&#8217;d be surprised if it was.</p>
<p>I love these people, I admire these people, and I used to be one of these people.  I was the guru, the self-proclaimed master who was too busy to extricate himself from the work to bother documenting what I was doing.  I was the unsubtle gatherer of what I thought was job security.  But I&#8217;m not one anymore.  I&#8217;m still knowledgeable, and I still work overtime occasionally.  But I no longer make a point of volunteering and martyring myself for doing so.  Instead, I&#8217;ve passed that torch.</p>
<p>I have noticed a couple things since dropping the hero persona.  One is that I don&#8217;t really receive any less rewards or appreciation, possibly I receive more.  Another observation, somewhat surprising initially, is that someone else always appears to play the hero role.  I make a point of letting them do so.  They love it, and I appreciate their work.  My family also appreciates me working fewer hours.</p>
<p>In fact, I now believe that this is the natural order of things in companies like mine.  I hope it doesn&#8217;t sound too cynical, since I think of it as a positive, maturing process.  The young people learn a lot in their self-imposed trial-by-fire.  Hopefully they will eventually mature, realizing that they are walling themselves into their positions.  You can&#8217;t simultaneously be absolutely indispensable and get a promotion.  The company needs the &#8220;heroes&#8221; where they are.</p>
<p>Technorati Tags: <a href="http://technorati.com/taghero" rel="tag">hero</a>, <a href="http://technorati.com/tagemployment" rel="tag">employment</a></p>

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