Get Your Money’s Worth

Thinking of making a big purchase soon?  How can you get the best deal and have a great time, simultaneously?  Today we’ll explore a few best practices for buying big ticket items like a car or a new appliance, to ensure that your dollars work as hard for you as you worked to earn them!  🙂

Honda Magna

Use Your Own Money

The first step to any big purchase is saving up the money!  Obvious as this sounds, it is a rather uncommon practice today.  Many retailers make big money selling financing, and therefore market it heavily.  They don’t usually have a tough sell either, since by nature we tend to want the nice things now, and patience isn’t usually too fun!  But if you will slow down and consider it, I think you’ll realize that by nature debt reduces your options and inhibits your freedom.  There’s a reason that it feels so good to pay cash for things, and this is what wise and wealthy people do.  In fact, it’s habits like these that typically made the wealthy wealthy in the first place!  For more on that, check out “The Millionaire Next Door,” a great, fact-based book that will likely surprise you in more ways than one!

Narrow the Field

Once you’ve saved the money, your next step will be to determine what models and features are available to you in that price range.  If you’re looking at a car, for example, you can use resources like Craigslist and kbb.com to identify particular year/model/mileage combinations that are in the right range.

Taste and Sample!

Now comes the fun part—go looking!  Seek out at least three stores or individuals offering the model or models that you’re looking at.  Try out the features, and hone down your short list of models to the one you like best.  As you begin to settle on the particular item that’s best for you, take note of any optional features or upgrades.  In many cases, buying a higher-end model with extra features can offer more long-term value, but this is very dependent on what you’re buying.  (A quick aside, I’ve become convinced over the years that spending a little extra on leather seats for a vehicle is money very well spent!  Particularly if you have kids…  🙂

Fit and Price

After looking at the model you like at a few places, you’ll start to have a feel for what a good deal is.  Resist the urge to get in a hurry and instead remain calm as you seek for the ideal fit.  Once you’ve found a good price on your item, let the owner or salesman know that you’re thinking this item is a good fit.  I used to think that feigning disinterest in an item was a good way to get the seller to come down on price, but have learned from experience that this doesn’t work.  Instead, make the sales process into two steps.  First, decide if the item meets your needs/desires.  Once you’re convinced it does, let the seller know, but then go right into the price negotiation.  So, you might say something like, “This electric stove seems to be just what we’re looking for.  The price, however, does seem a little high.  How flexible are you on that figure?”  This is a useful tactic because it lets the seller know that there’s only one thing stopping you from buying the item:  price.

Have Fun and Be Creative

Now for the next fun part—price ping pong!  Let the seller make an offer, then counter with a lower one, have a good time (without insulting anyone).  Somewhere along the line, you’ll want to pull out your envelope of cash and start rifling through it.  I don’t care who you are—a stack of hundreds makes your eyes get bigger and your heart beat faster, and you can use this method to stir the seller into accepting a lower price.  If you’re starting to get close, a fun way to end the negotiation goes something like this:  “I’ll tell you what, I’ve got $4,700 right here.  Say the word and it’s yours.”

Sometimes, your man won’t be willing to come down as far as you’d like.  Don’t fall in love with a particular item and keep your walking away power—there are plenty other deals out there for you.  Or, if the price is still a bit higher that you’d like, but the particular item seems worth the extra, it’s ok to pay a little more than absolute bottom dollar.  Just have fun, keep your head, and enjoy the process!

The Standard of Wisdom

We live in an information age.  Every day, we are overwhelmed with news, media, advertisements, and opinions of friends, family, and associates.  How can we sort out the claims steeped in wisdom from those dripping with folly?  How can we discern truth from error and the wise path from the highway of fools?  We must have a reliable standard by which we can test all claims, holding fast to that which is good.  That standard is our Creator God and the Word He has given us.  Today we’ll delve into an excerpt from Proverbs 12 and discover how the principles contained in it can guide us into truth and right living.

colorado forest

22Lying lips are an abomination to the LORD,

But those who deal faithfully are His delight.

23A prudent man conceals knowledge,

But the heart of fools proclaims folly.

24The hand of the diligent will rule,

But the slack hand will be put to forced labor.

Easy to Read, Tough to Do

I love the clarity of the Proverbs!  Sometimes they require deep reflection and some digging, but often they are so clear and practical that there is little difficulty understanding them, only difficulty in living them.

In Accord with Reality

Lying lips are an abomination to the Lord.  God hates deceitfulness and it is against His character to affirm that which is false.  Conversely, when we deal faithfully with our friends and neighbors, this pleases and delights our Father.  How truthful has your tongue been this week?  Do your words and actions accord with reality, or can you think of times recently when you’ve sought to create an appearance that is false?  Have you blamed another for a mistake that was yours?  Or have you withheld information from someone in order to lead them into an inaccurate conclusion?

Not All Sharing is Good

In the second stanza, we see a common device used in proverbs:  pairs of opposites used together.  Notice the contrast in verse 23:  a prudent man versus a fool, concealing versus proclaiming, and knowledge versus folly.  As is often the case in proverbs, the truth can at first appear puzzling to us.  Why should a wise person keep knowledge from people?  Wouldn’t he want to share his insight with everyone within earshot?  Conversely, wouldn’t a fool want to hide his foolishness by remaining silent?

As usual, the wisdom of the proverb is proven right upon careful consideration.  Much like the New Testament concept of not casting pearls before swine, a wise person understands that sharing wisdom with those who are not willing to receive it will only bring sorrow to all involved.  Instead, we ought to share knowledge and council in stages, allowing a student to hear and understand the simple and general things, and later share the deeper and more magnificent pearls.  Let us be careful not to spew forth speech as a fool, painting those around us with a fire hose.  Instead, let us seek out those who wish to behold a beautiful painting, and paint it for them in small and careful strokes.

Choose to Prosper

Finally, we learn a lesson on diligence.  Decide now to apply yourself and work hard for the rewards you desire.  Stick with your efforts even during the tough times and your hard work will be rewarded with honor and authority.  Do not be as the fool, who has the opportunity to work today but chooses instead to sit idly by.  That man will find himself without honor, doing work he despises against his will.  Today you have the choice to find your passion and pursue it with excellence.  Do it, and develop a habit of diligence, that the seeds you plant today my harvest future bounty for the good of your family and country, to the glory of God.

Why a Watch?

When you visit the ThriveFit page, you may notice that an unusual piece of equipment is required for nearly all of the workouts recommended there:  a stopwatch.  Unlike many workouts that you’ll see people doing in your local gym, our regimen involves completing a certain number of repetitions during a discrete period of time.  Is there a good reason for working out this way?  What are the advantages and benefits?  In today’s article, we’ll answer these questions and unpack how this strategy can help you reach your fitness and physique goals!

C&M Posing!

Better Challenge, Better Results

Most ThriveFit workouts take a form like the following:  with a continuously running stopwatch, complete three rounds of:  15 pushups, 20 lunges, 30 jump rope jumps.  Your goal is to complete all the reps in as little time as possible.  One of the beauties of this method is that whether you’re very fit or a complete beginner, this workout can challenge you.  The fitter you are, the lower your time will be, but as long as you’re pushing yourself as hard as you can, you’ll be worn out by the last rep.  And if you’re super fit, you can always adjust the workout up by adding more rounds.

Intensity Through Competition

A second benefit of keeping track of the time it takes you to complete a workout is that it promotes competition.  This competition could be between (1) you and a friend, or (2) you and yourself.

In previous articles, we’ve explored the many ways that having a training partner helps push you to greater heights and keeps you motivated and accountable.  By committing to a program like ThriveFit with a friend, you have the added benefit of being able to compete for the fastest time.  If you and your friend have a fitness disparity, you can even adjust the workouts up or down for one of the partners to cause a close finish every time.  For example, perhaps the workout for the day is: as many rounds in possible of: 8 clean and jerks 115#, 15 pushups.  If one training partner is a little stronger, he may use 135# while his partner stays with the recommended 115#.

A Worthy Competitor

Even if you aren’t able to find a workout partner right away, timing your workouts allows you to compete with yourself.  As you progress through the ThriveFit workout plan, keep track of your scores and times in a notebook or a spreadsheet.  Them, make sure to go through the list from time to time and recomplete workouts that you’ve done previously.  You’ll have your old time in mind while you’re doing the workout, which will push you to move faster and leave your old records in the dust!

Not only do your previous times help you push yourself harder and faster, but you’ll also have a clear basis for tracking your progress.  As your times go down and your loads go up, you’ll feel a strong sense of accomplishment and satisfaction.  Depending on your fitness goals, you may be tracking things like your weight and body fat percentage already, but an even more test of how you’re doing is to track how long it takes you to do 3 rounds of: 15 snatches 95#, 15 pull-ups!

Improve In Multiple Ways

And finally, keeping time while you complete an entire workout turns a strength-only scheme of exercises into a strength, endurance, and stamina challenge.  Most people’s workout program involves doing 10 reps of bench press, stand around for 5 minutes, 10 more reps, stand around more, 10 reps, etc.  Not only are they wasting lots of time getting through a workout, but that rest between sets allows them to catch their breath each time.  Conversely, the ThriveFit workouts keep your body moving constantly, resulting in a challenge to your cardiovascular system as well as your muscular strength and stamina.  Incidentally, this is a good reason to keep your rest periods short in the cases where you can’t complete a full ThriveFit workout without stopping.  Keep your rest periods to just a few seconds if you must take them, and get back in and knock out a few more reps.  Having shorter, more frequent rests will give you a shorter time and a better challenge than taking longer, less-frequent rests.

Our Network is for You

Today we’ve shown just a few of the many benefits associated with working out with a timer.  By timing the entire workout, you promote competition between yourself and others (or at least yourself and yourself), you have a means of tracking your progress, and you get to challenge your body more completely, which ultimately leads you to reaching your fitness goals more effectively.  Be sure to let us know how you’re doing along the way by sharing comments on the ThriveFit workout pages!  Happy training!

Keys to Leadership and Success

Last weekend, I had the incredible opportunity to attend a Leadership Team Development (LTD) business conference in Louisville, Kentucky.  My team and I had the chance to learn leadership and success principles from some of the best in our industry.  For your benefit, I’ve summarized some of our major takeaways from the weekend in the following article.  If you’re interested in how you can join this amazing team and have access to great conferences and leaders like these while you create an additional income stream for yourself, feel free to comment on this post or leave a message on our ThriveMart page.  We’d love to be a part of your journey to the top!

parasailing

Common Denominators

My single biggest takeaway from the weekend came from a presentation of the five common denominators of every successful business owner.  The general idea was that even though different people build their businesses differently, they all generally do the following five things consistently.

Harmony

In my mind’s eye, I pictured business as an engine.  If you take action on these five things consistently, your engine stays in step with itself–in harmony.  But if not, the time and energy you spend on one cylinder gets for the most part wasted when one of your other cylinders isn’t firing properly.  I believe that a lack of knowledge of this principle has been one thing that has held our business back from realizing its full potential up to this point.  When I first got into business for myself, I thought, “This is great—I get to be my own boss and set my own schedule” and I think I translated that into, “I need only do the things I find fun; I can avoid the uncomfortable things.”  In reality, the proper way to build a business is to set the time commitment you’re willing to make, and work on each of the five things consistently during the time you’ve made available.

Ok, enough commentary, here are the five things:

  • Consistent sales:  Be sure that you’re using your products personally promoting their benefits to existing and potential customers.
  • Read and listen:  Become a collector of great business books and audio recordings of the best and brightest leaders of today and yesterday.  Incidentally, Zig Ziglar is probably my favorite person to read and listen to.  Make sure you get at least a few hours of reading and at least a few hours of listening each week.
  • Lead others:  Share your business with others who have interest in joining your team.  Once you understand how to do something, you can help another person learn it.  Multiply yourself by training others to learn and do those things which made you successful.
  • Spend time around successful people:  Get around the people who have what you want and are doing what you want to be doing as often as possible.  Attend informal gatherings, team meetings, and conferences as often as they are available.  Make the decision to consistently attend beforehand and work the other demands on your schedule around your business. (Note: never lose sight of your priorities:  God, family, then business.  But work your schedule in advance in order to attend these important opportunities for instruction and encouragement)
  • Communicate with your team: Call, email, and text your mentors as well as those whom you are mentoring.  Good communication increases accountability and helps mentees learn from your actions.

Don’t Stop Short

A final picture of this idea goes like this.  Assuming a soda costs $1, what do you get if you put 95 cents into the machine?  Nothing.  You spent all that effort getting the money in, but because you didn’t get all the way to the full dollar, you end up getting nothing.  Neglecting one of the five areas is like leaving off the last five cents.  Don’t leave your effort in the soda machine or run your car on 3 cylinders:  translate these concepts into your life and get going on your journey to the top!