Thursday, February 2, 2012

Pax Domini

The Faith
Goal: Friday morning Bible Study and daily study

One of the my goals in studying the faith is to be able to "be prepared to give an answer to everyone who asks you to give the reason for the hope that you have. But do this with gentleness and respect."  When I think about "everyone" I usually think of the atheist that wants to talk to me about the faith or the Jehovah's Witness or Mormon that shows up on my door step that believes their beliefs are the correct ones. What I didn't realize was that I am preparing for the mission field in my own house.

A couple of years ago during dinner our little two year old took her bread and lifted it up and said, "Always."  It kind of took me back and I had to think about what she was doing.  Then it dawned on me.  She was imitating the pastor during the Communion portion of the service when he elevates the Host and later says, "The peace of the Lord be with you always."  At that moment we had our payoff for sitting in the front of the nave during the Devine Service.  Although we were worried that she would cry or disrupt the service as it turned out,  at this young age she was able to take in the service and pay attention to what was going on.  If you are the parent of a young child, I would highly encourage you to sit with your children as close as possible to the pulpit.

I was recently surprised again.  Like the last time, it was during dinner.  This time she asked for bread, which I gave to her.  She said, "Dad, look it's bread. Can I have five pieces like Jesus?"  Once again, I stopped and had to scratch my head as to what she was talking about.  Then I remembered.  We had been reading her baby Bible before she goes to bed.  In it, the story of how Christ multiplied the loaves and fishes is included.

Granted, right now little people like her are "sponges" and they pick up the most interesting and strange things. However, I believe it's never too early to start teaching our children the faith. If they are going to be "sponges" then why not give them good water to soak up?  Lord have mercy on us for I know that the world is just waiting to fill her mind with bad alternatives.

The peace of the Lord be with us all......




Tuesday, January 31, 2012

The Commoner's Speech

Intellectual/ Self Improvement
Goal: Deliver three speeches by year end

I delivered my first speech of the year today.  I had some good moments and I had some that showed me where I need to work harder.  As with every speech, I learn a lit bit more about public speaking and my confidence is strengthened.

In Toastmasters when a speech is given, there is always an evaluator.  My evaluator today was a seasoned Toastmaster as well as a professional story teller - I always listen closely to what he has to say.  Here is what he concluded about my delivery:

Strengths:
  • Projected sincerity and conviction
  • I was a credible source for what I was talking about
  • I had the willingness to "stretch" in terms of a topic and to show my convictions
  • He was persuaded to accept my viewpoint
  • Good organization
Weaknesses and areas of improvement:
  • My hands were too fidgety
  • Needed more emotion
  • Needed more of an emotional conviction in the conclusion
  • Talk a little bit slower (this was because my speech was too long for the allotted time, my mistake)
Here is a copy of the speech.  I didn't deliver it exactly like this, but fairly close.  I'm probably going to edit it and give it one more time for practice.  I was happy with the over feel of it, but there are portions that needed cutting out and spots that need to flow better.




Speech Title
He that Looketh
Manual
The Competent Communicator Manual
Speech project
Project #9 – Persuade with Power
Time
5-7 Minutes
Project Objectives
§  Persuade listeners to adopt your viewpoint or ideas or to take some action.
§  Appeal to the audiences’ interests
§  Use logic and emotion to support your position
§  Avoid using notes

Introduction – State the problem/solution

Have you ever been asked a question that you weren’t anticipating?

Mr. /Mrs. Toastmaster, my fellow toastmasters, and welcome guests. A couple of years ago I was asked to be a substitute teacher for the high school Bible study at my church. Most of the time that I taught it went off with out the kids asking me any questions that I couldn’t answer, however, there was one class that really challenged me.

I prepared my lesson plan by reading the appointed Bible passages, looked up a couple of theological positions, and was ready. When I walked into the room I noticed something kind of odd; it was all girls. There wasn’t a boy in site. “Ok, no big deal.” I thought to myself. “Maybe I will get through the entire lesson since there weren’t boys trying to impress the young ladies or disrupting the class.

I said the opening prayer and started into the lesson. Before I could get out one sentence, one of the girls wanted to ask me a question. I said, “Sure, what’s on your mind?” She said they didn’t want to talk about theology, but wanted to ask me questions. Sensing that there was something on her mind, I told her to proceed. She asked, “How far is too far with a boy?” I didn’t lose my composure, but I can tell you, I was completely knocked out of my comfort zone.

What was I going to tell them? Here I was, a single man in his thirties; basically in the same position because I was out dating like them. With all these female eyes on me, I started down that difficult path.
This was a difficult conversation. However, it is the one class that I still remember to this day. I don’t necessarily remember it because of the provocative question that was posed to me. You see, every time I think about that day I am reminded of one thing - listen to me closely my fellow Toastmasters and guests; our daughters, wives, sisters, and mothers are under assault!

Yes, you heard me correctly; they are being assaulted daily by men, marketing agencies, and other women trying to push forward their idea of beauty. How might you ask? Just walk through any mall past a Victoria’s Secret store with their window displays. Look at the Abercrombie & Fitch catalog. For a catalog that sells clothes, their models seem to be not wearing any. Now the latest, they are marketing a push up bra to girls as young as eight. Also, just look at any show on TV or the movies where they are pushing the limits. Think a trip to the grocery store is safe for them? Think again. There are magazine covers that would give Playboy a run for it’s money. It seems no place is safe.

Most people just turn a “blind eye” to these exploitations without even considering the many ramifications that follow. Some counter and say, “What are you talking about? What’s the problem? Abortion and teen pregnancies are down over the last twenty years. ” While that is true, these are just two aspects of teen sexuality. In 2007 the American Psychological Association Task Force on the Sexualization of Girls issued a report linking early sexualization with three of the most common mental-health problems of girls and women: eating disorders, low self-esteem, and depression. As women, teens, and young girls become more and more objectified, there are emotional costs as well as other physical risks that will result.

According to Dr. Meg Meeker’s book Strong Fathers, Strong Daughters:

11.9% of females will experience forced intercourse
 46.7% of students will be sexually active before high school ends
Engaging in sex puts girls at a higher risk for depression


We have a problem. Society has become signalized to the point that women are seen too often as sexual objects. The sexual revolution that was supposed to free women has actually enslaved them to a devastating view of what it means to be feminine.

What’s the answer? Many years ago it was in vogue to say, “It takes a village to raise a child.” While there may be a little truth to that, in reality, the “village” is sick and rotten to the core. Therefore, it really starts with the family. It starts with mothers and fathers standing up against society by demanding a higher standard that says modesty, humility, proper self-confidence and dignity still matter. You can do something, we can do something, I can do something about the filth in our society.

Body – Present solutions
The return to modesty and humility

One person that stood up to society is Nicole Weider. Ms. Weider was tired of seeing Cosmopolitan magazine at eye level of children with headlines such as “75 Sex Moves” and “His Best Sex Ever.” As a former reader she was appalled at what she was reading in the magazine with its’ pornographic content. In August 2011 she had enough and decided to do something about it.

To take the culture back, Ms. Weider started a petition to have the magazine sold in a non-transparent wrapper and not to anyone under 18. Additionally, she contacted the Chairman of the FTC to lodge a formal complaint.

To date she has received many letters and emails of support from young women. In these letters they explain that they had tried some of the things listed in the magazine and received STDs, broken hearts, became pregnant, and had their self-esteem severely damaged.

Ms. Weider understands that young women need to be taught that beauty is not what Cosmo prescribes. No, that magazine and the world teach self-centeredness and love of self. Ms. Weider knew that someone needed to protect some of the most vulnerable among us and wanted to do something. It started with one woman standing up for other women and saying, “This is not what it means to be beautiful, feminine, and valued.”

Their bodies are sacred
In returning to modesty and humility, young women and girls will understand that their bodies are sacred and that they are not a means to an end. In a recent study, it was discovered that only 15 percent of teens report remaining virgins until the age of 21. Is it any wonder that according to the Center for Disease Control, 16.2% of people 14 to 49 years of age have genital HSV-2 infection?

Our bodies are sacred. Remember that Bible study I mentioned earlier? To answer the young ladies question I was able to direct them to a passage from 1 Corinthians. This passage explains that their bodies are of value and something to be protected and cherished.

1 Corinthians 6:19-21 (English Standard Version)
19Or(A) do you not know that your body is a temple of the Holy Spirit within you, whom you have from God?(B) You are not your own, 20(C) for you were bought with a price.(D) So glorify God in your body.

A pastor I know explains it this way and I used his example with the girls, “When we receive Holy Communion we use a special cup. This cup is set aside for special-holy use. We don’t drink beer from it or carelessly handle it. Likewise, your body is sacred and something that you don’t cheapen by sleeping around.” ( I left this paragraph out when I delivered the speech)

Even if you don’t come from a faith background, you have to agree that the body is not meant for casual sexual encounters. There are too many dangers associated with these activities; unwanted pregnancies, diseases, and emotional scars to name a few.

The Importance of Fathers
Fathers, I don’t want to leave you out. First of all, fathers, we have an obligation to help protect your daughters from themselves.

Have you seen the new Quik Trip commercial? It’s the one where the father is waiting for his teen age daughter to finish dressing in order for them to leave for the day. As he stands at the bottom of the stairs his daughter comes down from her room in a revealing outfit. This happens about three times and with every incident, the father looks at her with a disapproving look and sends her back to her room to change. However, the last time she comes down she has on sweat pants and baggy shirt. He gives her an approving glance and then she walks past him. As she does, he notices something written on the seat of her sweat pants, “Kapow.” Ladies and gentlemen, this is a funny example; however, it illustrates a simple teachable moment - the father stood up for his daughter by protecting her from herself.

Additionally, fathers, we have a great responsibility daughters in the way we model appropriate love with women. In my copy of Strong Fathers, Strong Daughters, given to me by my mother in law, she wrote the following to me, “You are the first man your daughter will love. This relationship will be the foundation of all other relationships she has with the men in her life.” How true.

If you want your daughter to find the right man to marry, be the right man for her mother. A girl witnessing her mother being loved and elevated by her father will naturally want and seek out the same for herself.

Conclusion
Maybe things will swing back to a more modest culture as people become so desensitized; probably not. I think things will only get worse. As people become less able to be shocked, they will seek out and will find more shocking ways to degrade and objectify women.

Should we just give into the culture? By all means no. It takes simple teachable moments to protect our children from themselves. It takes someone like Ms. Weider standing up for young women and the current standard by challenging stores and the FTC. It takes you and me to battle against a perverse society and demand better. It has been said many times, “In order for evil to triumph, all that has to happen is for good people to do nothing.” So good people, what do you plan on doing?



Thursday, January 26, 2012

I'm no Rocky

Health
Goal: Workout Monday - Thursday at 6:00


http://www.youtube.com/watch?v=NhkdLHSKo9s

The year has started off very poorly in regards to working out in the morning.  I don't think I have worked out once since the first of January.  I really need to find the discipline again, as it has been very difficult to get up at 6 to workout.  Maybe I'm going to bed too late or it could the time of the year.  It doesn't matter, these are excuses.

I will tell you this, when I do start getting up again, I won't be practicing Rocky's workout regimen.


Monday, January 23, 2012

Green Shoots

All Goals
I had to call a client the other day to ask him/her a question.  As usual, it went to voice mail.   My client went through the normal voice mail message, "I'm not available to take your call...blah, blah, blah."  Then he ended it with, "Please listen carefully, What you focus on, grows."  I thought that it was kind of hokey, but I considered the source - my client is in sales and motivation.

What we focus on does grow, there is no doubt about it.  Take for example the article attached.  The author cites our country's debt in the 1800's and what Andrew Jackson did to eliminate it.  President Jackson focused on reducing the national debt because he saw it as a problem for our country.  The author explained it well,


"The elimination of the national debt did not happen simply because the country was prosperous and expanding. It happened because Andrew Jackson was determined to make it happen, and he did everything within his constitutional power to bring it about."

President Jackson was very passionate about achieving this national goal.  He was incredibly determined to eliminate the national debt because of something deep down inside him. As a result, he was able to motivate others to believe in the payoff.

This example is true for us today while we work to achieve our goals. Just remember,  a goal without discipline is just a dream. However, to develop discipline, we have to be able to see a payoff first.  Let's say you want to be debt free.  If just left at that, great goal.  However, that alone is not much to motivate you in the day to day pursuit of completing it.  What it comes down to is you have to see why it's important to achieve this.  You must be convinced of this to the point that it gets deep in your soul.  After it becomes part of your core convictions, discipline is established.  Then and only then will you have the fuel necessary to achieve the goal.

http://www.forbes.com/forbes/2011/0606/opinions-paul-johnson-current-events-debt-moral-issue.html

Wednesday, January 11, 2012

The Plan for 2012

All Goals
I learned much in 2011 as I blogged about my goals.  In 2012 I would like to focus my blogging more on achieving each individual goal and not so much about what I have learned along the way.  Don't get me wrong, I will still blog about something I find interesting in my readings or something that happened at my work.  However, I want to discuss each goal a little more in depth.

Also this year, I have simplified my goals by reducing them and by making them more achievable.  As I said, "I learned much from 2011."  What I learned was that I don't have enough time to achieve everything.    If I focus on one goal, it's usually at the expense of another.  That's alright, however, I have to be careful at what I'm neglecting in that moment.

This year should be a good one.  It has already started out very interesting especially in the areas of the family, career, and our finances.  I'm positive that I can achieve all that I set out for. How does your year look?

If you want to see what I have on tap for 2012, please look at the tabs for my goals.  Also, hey, please leave a message if you want. I was able to open it up for ANYONE to leave a message. Oh yea, in order to do this, you have to click on the blog entry. From there, you will see a place to post a comment.
  






I found this and thought it was great. Calvin as a teenager.

Tuesday, January 3, 2012

Looking back at 2011

All Goals
It was an eventful 2011 and I learned much from blogging. I didn't hit all of my goals, but, I have a suspicion that I hit more than I would have if I never wrote them down. One thing that I continue to understand is that one goal will usually affect another. For example, my goal to read ten books has benefited my career as I read about management practices. Exercise affects everything in my life as it has increased my energy.

I had some wins and I had some losses. Overall, It was a decent year. Here is what happened:



Family/Spouse 
Goal  #1                                                               Measured by                          
Dates with my wife                                 At least one per month
These are dates that I set up. I call the babysitter and ask out my wife.
Progress
We went on dates every month. We loved it so much that we decided to try at least TWO date nights per month. It has been fantastic taking time to be with my wife without interruption from our almost four year old. Setting up the dates has been made easy with the help of family members and a babysitter we found at our church. 

Goal #2                   
Prepare a question and answer book for fathers.
Measured byWork on a couple of times a week. I dont' plan to finish it by year end.
Progress
I'm about 1/3 the way through it. I've enjoyed visiting my past and thinking about my child(ten) reading this book one day. It's definitely a work of love. I've found out that a leaving a legacy is more than leaving money.

The Faith
Goal #1
Personal Bible Study
Study the Gospel of Matthew
Progress
Finished this in April. It was a very good study and I learned much. In fact I have decided that I will always be learning a book of the Bible with this method. After the Gospel of Matthew I started on Genesis.

Goal #2 -
Men's Bible Study                                            Time frame                                       
Attend men's Bible study at my church           Every Friday morning at 6 am
ProgressAttended almost all classes. There were a few that I missed due to over sleeping. I honestly look forward to the class and it an incentive to getting up an hour earlier. Currently, we are studying Amos.


Financial            
This are changed many times in 2011. This is primarily due to the decision to start preparing our house to be sold in the next year. All extra money - to the exclusion of savings - has been used to fund home improvements. After the house has been updated, we will start saving for the down payment on our new home.

Goal #1          
Payoff all debt except the house
Progress
Paid off 3/15/11
This was one of the highlights of the year. I can't believe it!!!! WE ARE DEBT FREE!

Goal #2                                                     Time frame
Fund Emergency fund of 3-6 months          June 15
Progress
Completed 06/30/2011
Always keep reserves. I need to build this back - emergencies came up.

Goal #3                                                   Time frame
Prepare an investment policy statement       June 15
Progress
Printed off outline from a web site and have started working on it.
Had to back off of this. Our 401k is still with my employer as they have not spun it off. When they do, I will look into investing in single stocks and some mutual funds.


Career 
I didn't list my goals for work in this blog. They include deposit sales, investment sales, referrals, and loan production. I had a very successful year and hit most of my goals at work. My review reflected the good year.


Goal #1         
Research my career path                                                                           
ProgressI have concluded that I want to stay in Wealth Management. I'm considering management or more of a "hunter/killer" role. Recently, a couple of head hunters have called me and have me thinking more and more about my future. There is much to think about.


Goal #2    
Finish Reading Private Wealth Management
ProgressI didn't get even close. Actually, one of my colleagues has the book. I will however, be asking for it back as this will be a major focus in the new year.

Goal #3                                                                      Time frame
Read articles about wealth management issues              Daily
Progress
This goal has been very easy to achieve. There is always something to read about my industry. With
the Internet and a few bookmarked sites, I have no trouble finding information.

Goal #4                                                     Time frame

Meeting by myself                                   Every Friday
Progress
I don't miss this time for anything. I wish I had started this a long time ago. Always begin with the end in mind.


Health 
Goal #1                                                         Time frame
Work out                                                   Monday - Thursday at 6 am
Progress
There have been times that I'm up every morning killing it and other times, well, uh, I stay in bed. I still feel very healthy and my weight has been maintained.

Goal #2                                                              
Run the mile under eight minutes
In order to accomplish this I need to run at 7.5 mph for 8 minutes. 
ProgressIt was a stupid goal. I didn't even try. Remember, goals have to mean something to you and you have to see a vision in pursuing it. No vision here except to kill myself.

Goal #3                                                         Time frame
Get a physical                                                 6/30/2011
ProgressI didn't get a full physical. However, I did get blood drawn for an insurance exam and it came back to show that I'm very healthy. So healthy that they actually lowered my projected premium.


Intellectual / Self Improvement
Goal #1                                                               Time frame
Read ten books                                                   By year end
Progress/ Finished
I have really developed a love for reading and knowledge over the last couple of years. I honestly think reading has developed my mind and has benefited my career.

1. Outliers by Malcolm Gladwell
2. The Great Depression: A Diary by Benjamin Roth
3. Return to Prosperity by Arthur Laffer and Stephen Moore
4. The Million Dollar Financial Advisor by David J. Mullen Jr.
5. The Million Dollar Financial Services Practice by David J. Mullen Jr.
6. Questions Great Financial Advisors Ask....and Investors Need to Know by Alan Parisse and David Richman
7. Selling to the Affluent by Dr. Thomas J. Stanley
8. Little Bets by Peter Sims
9. Medium Raw by Anthony Bourdain
10. Great by Choice by Jim Collins
11. Practically Radical by William Taylor

Goal #2                                                      
Give four speeches in Toastmasters
ProgressI delivered one speech and worked on another one for nine months. This is one area that I truly believe in. I have to deliver more than one speech in 2012. Communication is essential in my vocation. I have to become better at it in order to be more effective.





Saturday, December 31, 2011

Listen to your Father

Family/Spouse

One of my goals is to prepare a question and answer book for my child(ren).  I've been working on this throughout the year and I don't really have a deadline to finish it.  The questions are very good and address just about every stage of my life.  Here are a couple:
  • What Childhood Experiences do you feel shaped you the most?
  • Describe your childhood neighborhood
  • What is your favorite way to spend a day of leisure?
In addition to the questions in the book I added another section.  This section addresses the most significant areas of our lives and my advice for each category.  The following is a list of the areas where I give advice and some things, but not all, that I want remembered:

Random things that I always want you to remember
My child, here is a list of things that I have learned over my years. Just because I have listed these things to remember, I do not want you to think that I mastered them.  Everything you do in your life can be placed in one these areas; The Faith, Relationships, Career, Health, Personal Finance, When looking for a spouse, Intellectual, miscellaneous.  

  The Faith
§              8but God shows his love for us in that while we were still sinners, Christ died for us. 
            Romans 5:8 English Standard Version (ESV) <This is the Gospel in a "nutshell."  When the understanding of the faith becomes difficult, return to this. 
  • Try to study the Word every day.  Your study doesn’t need to be an hour long.  Our days are very hectic.  Therefore, try reading a chapter or two from the Bible daily if you are really short on time.  Maybe review the readings for the next Sunday. Always remember, this in an extremely important part of your day.
  • Everyone goes about his or her faith life differently.  Focus on yours and be careful not to judge others, for you never know what is going on in their private life.
  • It is 8.28.2011.  As I write this, your mother is getting ready for church and you are watching Thomas the Tank engine.  I look over at you and realize that you may walk away and even deny the faith in your teens and 20’s.  I did in my 20’s and I will always have regrets about my life away from the Lord.  However, I always remember His Presence during those times.  He never left me and He will never leave you.
  • Beware of old philosophies that are disguised as new.  Your college professors and some of your friends want your mind and want to convince you that you are a simpleton for believing in your Christ.  Instead of getting mad at them, pray for them, for they are only doing what unbelievers do.
Your Country
  • The United States of America is the greatest country ever.  We are not great because of our wealth, for it is only a result of what truly makes us great – it is our freedom.  When I say “freedom” I am saying that freedom means we have the ability and obligation to do what is right.  We however, never have the freedom to choose the wrong.
  • If you see a soldier and have an opportunity, thank this person for their service to our great country. Don't' forget to thank their husband or wife as well.  They were supporting the soldier at home while  the soldier was off protecting our country. 
  • Whenever you are in attendance at an event where the National Anthem is playing, put your right hand over your heart and be quiet.  Consider the blessings this county affords to you and all that went before us to win and secure them.  
Relationships / Your neighbor / Your parents/ 
  • Your name and honor is worth more than any amount of money.  Protect it with all of your might. Just look at the last paragraph of the Declaration of Independence to see proof of the importance of your name. 
  •     And for the support of this Declaration, with a firm reliance on the protection of divine Providence, we mutually pledge to each other our Lives, our Fortunes and our sacred Honor.
  • At a certain age you will see your parents as they really are; imperfect people.  Love them anyway.  Don’t forget, you will probably be a parent one day yourself.
  • If someone is serving you, treat them with the highest amount of dignity and respect. I don’t care if you become a celebrity or the President.  Everyone has value and nobody is beneath you. The Christ that died for your sins, died for theirs as well.
  • Be humble but not a pushover.  
  • Imitate Christ.
Your Career
  • When you are facing a problem that requires your supervisor’s assistance, come to him or her with what you think is the solution. Your grandfather taught me this. 
  • It has been said, “If you help people get what they want, they will give you what you want.”
  • Never forget, in your career you are serving someone.  It’s a high calling to be in the service of another.  
  • Currently, business people are considered the “bad guys.”  If you think about it, most business is done in an ethical manner.  
  • Today we were watching trains - your favorite things at this moment - move freight.  I got to thinking about it and if you were older I would ask you this question, "What do you see here? Do you see trains, freight, and tracks only?"  I would tell you that I see "trust."  Someone first trusted before anything was started.  Therefore, you see, business in someways, is a spiritual exercise. Trust is paramount to doing good business.  
Health
  • Try to work out a couple of times weekly.  Even if it’s a light work out, it’s good to get movin’.
  • Don't ever do drugs, ever!  Contrary to what many believe, marijuana usually leads to other drug use.  I have seen this up close and personal with people I know.  
  Personal Finances
  •  God owns it all. You are just a manager.  “Be diligent with the little things…..”
  •  Stay away from all debt except in some ways a mortgage and if that mortgage is less than 25% of your monthly take home pay.
  •  Consumer debt and not budgeting is one of the main reasons why the middle class is broke.  It took me well into my 30’s to understand this.  For validation of this, read The Millionaire Next Door. 
  • These days, everyone wants to rely on the government to fix his or her life.  You are responsible for your life.  Yes, the government can help, but you have all the tools to make a life for yourself.  Don’t’ become a slave to the government with low expectations of yourself and your country.  This is the United States of America and you have the opportunity to become a success in your own way. 
  • Be a cheerful giver.  That means all of yourself; time, talent, and treasure. 
  • Cash is "king."
  • Have an emergency fund of 3-6 months of monthly expenses.
When looking for a spouse and how to treat this person 
  •  Look for character first, not a “character.”
  • Remember, beauty on the outside is not the same as inner-beauty.  I remember a story about your beautiful mother that illustrates this - she has both.  On our wedding day your mother noticed that the photographer wasn't going to eat and that a place wasn't made for her to sit at a table.  Your mom found a table with some of our friends for her and asked the waiter to bring her a plate.  
  • If faith is – and it better be – important to you, don’t marry someone from outside your denomination.  I know this is a hard lesson.  However, if you get involved with someone of a different faith or denomination, there will be many problems ahead. Don’t hope that this person will magically come around. Yes, there are times that it has worked, but it will be an enormous challenge.  Marriage is under assault today, don't add to it.  
Intellectual/Self Improvement
  • Make goals; short term and long term.  Most people don’t, therefore, they know exactly where they are going.
  • Become a reader.  It has been said that leaders are readers.  
Misc.
  • If you want self esteem, do something. If you fail at it, good!  That is how we learn.  You earn self esteem, it is not given to you.
  • Watch your passions - especially your appetites.  Make sure they don’t control you.  Stay disciplined in your thinking.
  • When trying to make a decision or after you made a bad decision, always ask yourself, "What is the real reason why I did it like that?"  Know yourself......
This is just a start for me and I'm certain to add to it as the years go by.  If you have any suggestions, even funny ones, please feel free to send them to me.  I can still remember my dad saying, "Remember, only guppies eat their young."  How about this timeless one, "It's colder out there than a well digger's..."  Now my favorite, "Son remember the family motto; don't let the bastards grind you down." See, I still remember what my father said.  






    Monday, December 26, 2011

    Ok, so I Will Stop it...

    All Goals


    A couple of weeks ago I posted an article from Jim Collins that dealt with goals.  This article pointed out that we should not only have goals that we want to achieve, but have goals of things that we want to stop or avoid.

    I pointed out in that earlier entry that there are certain habits, traits, and ways of thinking that hinder us from achieving our goals.  With that in mind, here are a few things that I want to stop in 2012:

    1. The Internet
    Stop wasting so much time surfing for no reason.  This is not a very efficient use of my time.

    2. Stop trying to focus on too many goals
    Keep it simple in all areas where I'm trying to achieve short term goals.

    3. Eliminate negative thoughts about myself.
    "Whether you think you can or whether you think you can't, you're right." Henry Ford

    4. Stop doing tasks that my coordinator can take care of for me.  
    I have a new assistant.  However, there are too many times that I keep certain tasks on my desk.  I need to trust more in order to free up my time to chase after more income producing activities.

    5. Stop focusing too much on the end game and more on the "ride" and journey. 
     "Life moves pretty fast. If you don't stop and look around once in a while, you could miss it." F. Bueller

    6. Stop letting decisions and attitudes of others and my company affect my outlook.
    I can only control what I think.  There is only so much that I can influence in others.  Just the other day I listened to a negative person at work whine (there is a much better word I want to use here) about the old days.  That dude just stole :15 minutes of my day and I let him!

    7. Stop staying up if I'm tired.
    It's probably a more efficient use of my time to go to bed when I'm tired instead of "working" on something.  Granted, there are times when I'm tired at 8:00.  That's a little too early to hit the sheets and I will probably get a second wind anyway.  However, when 10:30 rolls around and I'm tired - GO TO BED!

    8. Stop making short term decisions that impede long term results.
    That sounds like some corporate-speak, and quite frankly it is.  It does make sense both personally and professionally.  I'm trying to think of a good example and all I can think of is the Debt Crisis of 2008.  Many financial institutions focused on short term profits at the expense of their credit quality.  As a result, many long time historic institutions crashed.

    Well, I only came up with eight things thus far.  I should probably have ten items like every other list, but I quit doing that last year.


    Thursday, December 22, 2011

    A Locker Room Talk

    The Faith


    "Gentlemen, this is a football."  With these words Coach Lombardi takes his players back to basics.  "Dearly beloved of the Lord, this is the Catechism." With these words our pastor brings us back to basics.

    I don't remember exactly when it happened, but I wasn't impressed with an answer I gave to someone who asked me about the faith.  From my less than stellar response and most recently feeling that I was growing dull in the faith, I decided that I need to get back to basics.  What better place to start than the Lutheran Catechism.

    Every morning after my study of a portion of Genesis - one that has seemed to take a very long time - I dive into the study of our church's doctrine.  Currently I'm in the commandments and between them there is usually a lesson on the Divine Service as well.

    When you can't push the ball past the goal line, your line is breaking down, and you can't make a tackle, get back to basics.







    First Things First

    Career


    A couple of weeks ago while advancing in my goal to read an article that discusses my vocation, I came across this quote:


    Herb Kelleher
    "Years ago, business gurus used to apply the business school conundrum to me: 'Who comes first? Your shareholders, your employees, or your customers?' I said, 'Well, that's easy,' but my response was heresy at that time. I said employees come first and if employees are treated right, they treat the outside world right, the outside world uses the company's product again, and that makes the shareholders happy. That really is the way that it works, and it's not a conundrum at all."
    Article Source: http://EzineArticles.com/5693896



    While reading this I was expecting him to say that the customer comes first.  I was greatly taken back when  he said the employee comes first.  What a novel concept!  Everything I have read about business, management, or customer service leads to this concept even if they don't say it directly.

    After reading this I was blunt enough to ask the director of my group the question that was asked of Herb.  The director pondered it for a good long while.  I don't blame this person if for not trying to answer the question right away.  However, after we went on with our conversation about the organization and what our values are, it became increasingly apparent that it is in fact the employee that should come first.  Amazing!

    With this in mind, anytime I interview for a position at another institution or talk to a client about their business, I will always remember what is most important.



    Sunday, December 4, 2011

    Not Nice to Point?

    Family


    You probably remember an earlier post where I stated that one of my goals was to prepare a "Father" book for my child(ren).  This book is in a question and answer format that allows the author to explain who they are, where they came from, and what they hold near and dear.

    I was writing an entry recently and thought about something I taught my child.  Back when she just started talking I would ask her, "Who loves you?"  In turn, she would always point back to me.  From time to time I still do this with her and most of the time she still points back at me.

    I'm sure this will probably fall out of favor as she grows older.  However, it will probably make a magical appearance when she becomes a mom and thinks back fondly of the little "game" her father used to play with her.


     I can also imagine the tough times she will face and many of those times without me being there for her.  In those times when she wishes someone would ask her, "Who loves you?", hopefully she will point to the One on the cross+; that is my goal. 



    Sunday, November 27, 2011

    I said, "Stop It!"

    All Goals


    At the end of  this year I've been thinking about what I have accomplished, what I have left undone, and what I should focus on next year.  After reading the attached article, I think I'm going to add a new goal category; Things that I need to stop doing.

    When we establish our goals we decide what we want to accomplish.  However, many times we are our own worst enemy in trying to accomplish them.  Therefore, the need for a new type of goal category.

    I have an idea of what I want to stop doing - how about you?

    http://www.jimcollins.com/article_topics/articles/best-new-years.html



    Friday, November 11, 2011

    The Place

    The Faith


    At the Divine Service last weekend at church I thought of  something very personal and interesting about my church.  While standing there singing the Gloria, I was reminded of my wedding day.  Then from my wedding day I thought of all of the many times that something great happened in my life between these walls.  I was astounded at how much of my life took place at this holy site.

    It was in 2001 that I decided to visit.  While listening to the Bible Answer Man, someone asked about joining a Lutheran Church.  The host asked, "Which one?"  The caller said something about Missouri and that stayed in my head as I am from Missouri.

    I didn't know a soul when I walked in, but a man about my age changed that in seconds.  He asked me if I was by myself. I told him that I was and he offered to have me sit with his family.  I accepted his offer and to this day, I am very appreciative.

    As the service began, I felt right at home.  I was brought up in a liturgical church and was greatly surprised that I knew what was going on.  I couldn't believe it!  I found my church home and it was that easy.  However, before drinking the Kool-aid, shaving my head, and learning the secret handshake, I thought I had better learn what they believe.

    I started attending every Sunday and heard that they were going to have an adult information class that was about to start up. This class was to teach prospective members, as well as current members, what the church believes, teaches, and confesses.  Through the nine weeks, I came to understand that this church body was very conservative, liturgical, and firm in their stance on their doctrine as drawn from Holy Scripture.  That was all that I needed to know.  However, there was one potential problem.  I was single and wanted to meet my wife at church and there wasn't too many single people around my age. I told myself what mattered most was that the Word of God was taught correctly, the service was reverent, and that if God wanted me to be married, He would have to take care of it for me.  I laugh when I think back to that day when I decided to become a member.

    After I became a member and attended for about a year, my parents became members.  I remember the day that they joined and kneeled down before the pastor as he prayed for them.  It was one of the most memorable things that I had ever witnessed.  Here are two people that I loved the most joining this place where the Gospel of our Lord was being proclaimed in all of it's glory - we are saved by His grace alone.

    Years would go by as we attended services together.  One day after the service I said hello to a couple that I thought was visiting.  As it turned out, they had been attending an earlier service for awhile.  The following week I ran into them on the way out and the wife started asking me all kinds of personal questions; When did you graduate?  What do you do? Where did you attend school?  It was kind of odd, but they seemed nice enough.

    A couple of Sundays later I looked across the aisle and there was a beautiful young lady sitting with these folks. I thought to myself, "Ah, she's way out of your league and is probably way too young for me."  I guess it didn't matter as the nice people introduced me to her that same day.

    After I met that beautiful young lady we started dating and three months later I asked her to marry me.  Once again, this place would be the backdrop of the occasion as I asked her right in the middle of the sanctuary.  She said "Yes" and about six months later we were married in this same place.

    About two years later my father passed away.  It was in this building that his relatives were comforted by the Gospel at his funeral.  After the service we laid his ashes in the memorial garden in the back of the church - where he had requested.

    From death to new life.  A week after his funeral, we found out that we were pregnant.  One of the first places we visited after finding out was the memorial garden for it only seemed right.  On our way out we ran into our pastor and he pronounced God's blessing on our family and our unborn child.

    The following year our child was born.  Once again we visited this holy place to discuss our child's Holy Baptism.  We suggested a date and our pastor said, "You know what date that is?"  I told him that I didn't and he reminded me that it was the anniversary of my father's passing.  That clinched it. Exactly one year to the date of my dad leaving this place to be our Holy Father, our little one received a Holy flood of blessed waters that welcomed her into the family of God.

    As you can see, this is a place where life takes place.  It's a place where Heaven meets Earth, where God richly feeds us His Word and Body and Blood to strengthen our faith.  No wonder we love this place so much, for it feels like a foretaste of Home.

    Thy strong Word did cleave the darkness;
    At thy speaking it was done.
    For created light we thank Thee
    While thine ordered seasons run
    Alleluia! Alleluia!
    Praise to thee who light dost send!
    Alleluia without end!

    God the Father, light-creator,
    To Thee laud and honor be.
    To Thee, Light from Light begotten,
    Praise be sung eternally.
    Holy Spirit, light-revealer,
    Glory, glory be to Thee.
    Mortals, angels, now and ever
    Praise the Holy Trinity!

    Thy Strong Word by Martin H. Franzmann, 1969

    Friday, October 28, 2011

    Service with a Smile

    Career


    There are three ways to look at customer service:

    1. Listen to the client and give them what they want
    2. Listen to the client and give them what they need
    3. Before they even ask, give the client what they didn't know they needed, didn't know existed,  and now can't live without.

    All three are correct when it comes to providing customer/client service. The first proposition of giving clients what they want is correct.  However, if you just stop there, you are an order taker.  The second position, is a little better as you are building a relationship and actually caring about them after they leave your shop/office.  Now the third, well, that's tricky.  This premise is for relationship managers who want to provide the first two, but want to been seen in a different light as compared to their competition and take service to a higher level.

    Number three is like Apple and their products compared to any other computer makers. Providing this type  of innovative service creates an identity for you, your products, and differentiates you from your competition.  This comes in handy especially when you work in an industry that is seen as a commodity.

    This is where I have placed much of my focus in the last couple of years in my service to my clients.  It's difficult in the sense that I provide services for a financial institution that offers many of the same products as other institutions.  However, it's been more fun and creative to see how I can do this with my service which is intangible and not like someone who is offering a tangible product.

    This method has me doing things that most of my competition doesn't do.
    • I'm sending out "thank you for your business cards" to my clients on the anniversary of them becoming my client. 
    •  I review my client list to find out whom I haven't spoken to in the last thee months. 
    • Constantly setting reminders on my Blackberry to follow up with my clients.
    • Before I call my client I will usually have an idea of something that will benefit him or her.  This happened recently when I checked on a client and asked them about refinancing.  He is closing on his loan next month and we were able to save him a couple of grand a year.  All of this from a simple phone call to see how he was doing. 
    • My voice mail at my office is set up to notify me via an email when I have a message thereby allowing me to follow up as soon possible. 
    • Continue reading and educating myself on trends that affect my clients.
    The list goes on in my pursuit of providing innovative service to my clients.  Providing this level of client service is and always will be a moving target.





      

    Sunday, September 25, 2011

    A Kind Word

    Spouse/Family

    It has been a difficult and stressful time for me and my family over the last three weeks.  There are times that I have felt that everything I touch or have touched turns to - pardon the expression -  crap.  I won't go into details, but it involves a robbery at our house and me purchasing our house before  I met my wife.

    Sometimes in our darkest times a kind word will come our way that will lift our spirits.  That happened to me today at Toastmasters.  While I was in front of the group, another member was explaining to the prospective members the ice-breaker speech.  While explaining it to them, he referred to my speech that I gave two years ago.  For some reason he remembered me talking about how important my wife and child are to me.

    Granted, he wasn't saying, "Al, you're a great father and husband." However, it felt like a glass of ice water on a hot day and it was just what I needed.  This wonderful observation by my fellow Toastmaster for a brief moment took away a great deal of the "crap" that I spoke of earlier.  

    After I left the meeting I thought,  "If others know what means the most to me, maybe that means that I'm actually trying to live out the values I profess. More importantly, however, I hope my wife and child benefit from my actions although I don't get it 100% right all the time."  


    Tuesday, September 13, 2011

    Goin' Global

    With Google Blogger I have the ability to see where my readers live.  I couldn't believe it when I found out that I have readers in The Netherlands, Germany, Malaysia, and Canada.  Thank you for reading about my  journey toward achieving my goals.

    Please feel free to send me a message.  I would welcome the opportunity to meet you in Cyber space.  

    Book 'em Dano

    Self Improvement/ Intellectual


    When I was in my early 20's I remember talking with my family about reading.  My mom and dad have always been very good readers, and to some extent my brother as well. However, in this conversation  I remember saying that I just didn't like sitting down with a book. Sure, I liked reading the newspaper and did so just about every morning. I think this was because articles are short, sweet, and to the point compared to books that develop a story or idea over many pages.

    Here in the last couple of years all of this changed.  I'm not sure why, but I suspect that it has something to do with growing older and realizing that what I know is that I don't know.  With that, here are a few of my favorite books:

    Think and Grow Rich by Napoleon Hill
    This is a classic in the "self help" genre.  Mr. Hill interviews successful businessmen of his time in order to find out what made them successful.  The title is a misnomer.


    Seven Habits of Highly Effective People by Steven Covey
    Learned much about managing my time and starting with the end in mind.  I use some of his exercises every day.


    Thou Shall Prosper by Rabbi Daniel Lappin
    The Rabbi is a cheerleader for the ethical business person.  This is just what we need in this day and age where if you are rich, it is believed that you ripped someone off, made it on the backs of the poor, or you didn't earn it.

    One thing that I took away from this book was taking sabbatical time for my business.  As a result, every Friday I take off about 3:30 and go to the local Panera or Starbucks.  In these sessions I review my entire business plan and plan out my next week.  This has become one of my favorite times of the week and has increased my efficiency.


    The Great Depression: A Diary by Benjamin Roth
    The blog of Mr. Roth's day.  You can truly see how the "Depression Generation" formed their attitudes toward the government, banks, and spending.


    The Way the World Works by Jude Wanniski
    This book should be mandatory reading for all politicians.


    Out of Egypt, Christ the Lord by Anne Rice
    There is a moment in this book that I will always remember.  While sailing with His family from Egypt to Israel, the family start singing hymns to God.  What an incredible moment that would have the Creator of the Universe with them in the boat as they sing to the first person in the Trinity.


    The Cost of Discipleship by Dietrich Bonhoeffer
    "Through fellowship and communion with the incarnate Lord," Bonhoeffer writes, "we recover our true humanity, and at the same time we are delivered from that individualism which is the consequence of sin, and retrieve our solidarity with the whole human race." 


    When Christ calls a man, he bids him come and die."  Enough said. 


    The Screw Tape Letters by C.S. Lewis
    Haunting, chilling, and perverse.  It's like being behind enemy lines.


    With God in Russia by Walter Ciszek
    This was an amazing story of faith, a lifetime mission, and a journey.  I felt like I was there with Father Ciszek in Russia in the 40's.  I was very impressed with his strong faith and sense of vocation as well as his service to people.

    There are many more that I have not listed.  Currently, I'm reading a book that my wife gave me for Father's Day.  It's a little out of the norm from the listed books above.  It's from the view point of a salty world traveling chef and his take on the world.  

    Wednesday, September 7, 2011

    Track it!

    Career
    In one of the books that I read awhile back, it suggested that I track my time at work.  I started doing this about six months ago.  I expected to find how much time I spent making marketing calls, sitting in meetings, and working on administrative chores.  In truth, I found out that it drove me to be more efficient and get many more things accomplished.

    You see, sometimes I sit there trying to figure out what I should do next and waste a great deal of time.  However, as soon as I write down what I just did, I immediately start looking for the next item to work on without worrying so much about if this is what I should accomplish next.

    Along with this exercise, I have my daily "to-do" list ready as well as five bigger items that need my attention.  One last thing, blocking time for certain projects helps as well.

    If you can track it, you can do it!