The 20/60/20 Rule

Some times situations, people and groups break down into three observable groups that can

analyzed and quantified, this is what “they” use to classify many of use.


                     THE 20-60-20 RULE


THE BOTTOM 20% OF PEOPLE HAVE NO CLUE, THEY BARLEY MANAGE TO GET TO WORK ON TIME. THEY ARE EVERYWHERE AND IN EVERY FACET OF LIFE.
     
THE MIDDLE 60% WANT A CLUE, THEY WANT AND TRY TO DO WELL AND TO BETTER THERE SITUATION BUT THEY GET  FRUSTRATED AND SOMETIME FAIL. FOR THE MOST PART THEY ARE HONEST AND HARD WORKING.

THE TOP 20% GET IT. THEY NO YOU ONLY GET WHAT YOU GO FOR AND THEY HAVE SPECIFIC CARRIER AND INCOME GOALS TO MANAGE THEIR DIRECTION IN LIFE, THEY NO HOW TO MAKE FRIENDS AND INFLUENCE PEOPLE THEY ARE WINNERS AND YOU CAN SEE IT, THEIR LIVE HAVE PURPOSE.

Essential money skill 3 Values and Morals

We are all taught right or wrong from the time we are children to the moment we leave the safety and protection of a safe environment to the hostility of reality in the  world. I had an interesting conversation about which ideal was the more important in teaching  children about handling themselves in the outside world, nature or nurture? So what is the nature ideal? It refers to to a individual's innate qualities, what is programed into our genes the physical and personality traits regardless of where you were born or raised and family and biological factors. Now for the nurture ideal, what is it and what doe's it bring to the table for an individuals characteristic's. Nurture  refers to your personal experiences, your childhood and how your were brought up. A person can be born with good genes but if not nourished properly may acquire physical and or mental deficiencies, and failure to develop as expected, this may lead to corruption in social or environmental factors.

There is always a price to be paid either for doing what is right or what is wrong. The hope is that positive behavior will bring positive results and rewards but negative behavior will bring correction and penalties or penalization. The aim is to change behavior to a more socially accepted parameter where the individual's actions will fit in with others and complement the populace as a whole hopefully moving the evolution ball down the road for the better. But history teaches that there will all ways be those whom desire power not for the good of the many but for the profit of the few and will have no hesitation to take  any foothold of power to accomplish there objective. A man once said all it takes for evil to thrive is for good men to do nothing. In each of us there is a struggle going  for control, the good honorable  and just desires and the selfish, self serving ideas fighting for control of you personality and emotion and actions and the only way you will understand this conflict is to be honest with yourself.

This personality conflict is symbolized in the picture of the yin-yang symbol where half of the circle is black and the other is white but even in the two there is a spot of the other color therefore showing the balance that is necessary for everyone to have a healthy and productive character which should give you positive actions. It is all ways to an individual's best interest to try to do the right thing because it is much easier to reach you goals by being positive than trying to get there by using negative or   unscrupulous action's but many will try and many will fail this is the nature of human beings. I am not judging or putting my own doctrine out there I am only stating the obvious because there are some who will say  the opposite to get there own agenda thru.

There are some human activities that are inspired by emotions and desires, understanding them will give you the capacity to understand peoples motives and reasoning for why people do what they do. The emotion of love is the most powerful of the emotions, whole civilizations have been made and destroyed for this one emotion. It is believed that the human race itself is created and protected for this one emotion. Truly love is a very powerful thing and must be respected as such. The desire for sex is  a part of the desire for love but more of a physical expression, some become confused and blinded by  the feeling of this motivator and think this is a means of itself to and ends but sex is meant to be a outward expression of love and a means of reproduction and regeneration. The act of procreation has been manipulated and twisted by those would would push their own agenda for personal gain, power and recognition.  Another very powerful motivator of human activity is the desire for money and material gain. During the stock market crash in 1929, people lost all there life savings business's collapsed and people were jumping out of windows and committing suicide because of fortunes lost and life styles that would be no more because of economic collapse. Many could not take the lose and forfeited their very lives for there misplaced ideals. The desire for self-expression and freedom of body and mind was and still is strong a motivators of the twenty first century. Also the perpetuation of life after death is a major contributor to the naming of grand building streets and monument to the gratification of ideals and society's. The emotion of fear is a powerful and important motivator because it not only has a negative effect but also a positive effect as well. Let me explain positive aspect of fear is it will cause not to take any unnecessary action like walking out in the middle of traffic because the fear of getting run over by an automobile is present or getting into a relationship with someone who you no nothing about, but fear for the most part has a more prevalent negative side that is the killer of many hopes and dreams and once you identify these cause you can take action to eliminate them thus freeing yourself for achievements. These cause are; the fear of poverty, the fear of criticism, the fear of ill health, the fear of loss of love, the fear of loss of liberty, the fear of old age and the fear of death. We can go on naming specific fears but these are the most basic that cause most people to lose faith and give up on their hopes, dreams and goals.

The only way to to truly take the high road that leads to honor is to develop an unbreakable faith. A assurance that you are made in the image of most sovereign  creator who cares  about you and what you do, and to have enough faith in yourself to trust and believe. In closing my final thought is to be aware of books and ideals that reduce God's moral rule's to an easy formula. We are given a great gift the gift of choice, we can chose right from wrong good or bad love or hate. We are more than animals and insects whom follow their instincts to survive or perish, we were given the ability to reason and judge so I implore you to use it wisely for the greater good of all.

Essential Money Skill 2 Save it

      SAVE IT                                                                                                                    reusable facemask

OK, we have covered that you need to find ways to make money and control the money you make, simple huh? Well if it was so simple you wouldn't be reading this and seeking help just like me I personally am always looking for a better way and something I can adapt for my nee

I was going to start out by saying, “let us look into nature for more examples of saving and redistributing resources but in all honesty I just couldn't go there. Let's talk planer, you have come up with a budget that allows you pay your bill and have something left over so what do you do? Run out and spend the surplus? NO! The first thing you do is start a saving plan, look for somewhere to store your money, not CD (certificate of deposit) that come later. Look for a saving institution that will give you the highest rate of return on your money, check out credit unions they have good saving plan, what you want to do is build a nest egg that will carry you if you have and immediate or emergency need, the standing rule is three to six months of your pay. This is not easy but worth aiming for, if you take ten percent of your gross take home pay and divide that into different areas of saving that should help you build you nest egg, you don't have to put the whole ten percent in that one account but that's a good percentage to shoot for.

Another good point to no is that if you qualify for a 401k thru your employer get in as soon as you can, many employers have matching programs, this is free money so go get it, you can find all kind of information in most financial institutions but the buck stops at the IRS so check their website first www.irs.gov very helpful website. Start slow when funding your 401k or IRA until you have the swing of things use two or four percent of the ten percent you set aside. Another note for you to understand is that ten percent is the amount that you are paying yourself first! It is vital that you understand this, this money is not for entertainment, this small percentage is what will fund you nest egg and set the stage for you to have funds to invest for profit. You can borrow money to invest but like the song say's GOD BLESS THE CHILDTHAT'S GOT HIS OWN, and this is a sure fire way to get it, you just have to discipline yourself and have the desire to get in done.

There are two very powerful allies you have on you side in this endeavor, COMPOUNDING AND TIME. The definition of compounding say's; The ability of an asset to generate earning, which are then reinvested in order to generate their own earnings. In other words, compounding refers to generating earnings from previous earnings. This is also known as “ compound interest”. Now imagine doing this with a sum of money for threes years, five to ten years, even one year. I am not going to give you any numbers that is for you to figure out I am just giving you the concepts of ideas.

So now hopefully some time has passed and you have save some money to work with. You should have several pools (accounts) designated for specific purposes and needs such as. A retirement account which can consist of a 401k or IRA (wroth) or investment account just for the retirement age. Next a saving/emergency account, these funds should only be used for immediate needs, like auto repair's appliance replacements unforeseen home repairs, you can even divide the two saving and emergency so you have more control of the money and what it is used for. *note whatever you designate each account for you must stick to it for it to be successful, and now the investment account. You want to get this one as good as you can because this account is the one you are hope to show profit from and one that can become a vessel for accomplishments or can crash and burn losing all your money. In using this account as in all the other accounts you acquire you need to do your homework but in this one it would be to your best interest to study everything you can about investing such as “investing for profit” “return on investments”, “minimum risk”, “high risk”, “business structures”, you don't have to have a masters in business, but it is to your best interest to be knowledgeable if you want to succeed. You can always just stick with first few accounts mention and you can be fine. Remember all of this funding is to come from the 10% of your net income that you will pay yourself first. It may seem a little hard but practice practice and when you think you understand practice some more. This will not happen over night and you will need to discipline yourself and be patient. Remember the longest journey start with a single step.

 This can be used as the basic framework for any savings plan for beginners and young people who have not had any real training in financial matters. The main two factors you need to focus on are coming up with a good plan for yourself that fit's your needs and stick-ability (see it through to the end).

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