TAKING RISKS
Life should not be measured in the number of years you have lived but rather in the quality of the life you have led.
Happiness does not come from leading a long life but from facing challenges and taking risks.
It is through taking risks that we learn how truly powerful we are, as we learn to control and direct the events and energy that had been released by the risks we have taken.
It do not recommend that we should take reckless or rash risks for their own sake but referring to calculated risks that are part of living life to the full.

Calculated risks- these include the risk of loving and being loved, the risk of committing to another, the risk going into a business venture, the risk committing to spiritual awareness and the risk of standing up for what you believe in.
When a risk you have taken goes wrong, bless the situation and move on, do not let it put you further risks.
For an example, if a business venture failed, do not hide away licking your wounds and refusing ever to risk another venture opportunity, caution will closed you down.
In your desire for safety you will lose the vitality that create life’s wonders and that blesses the opportunity to take a chance.
You will become an observer of life and not a participant, and to do this is to submit to failure and fear.
It is through risks that your inner power is awakened, when you this, you will understand that real safety comes from the forging power and control deep within the fires of your inner self.
Do not be put off by the opinions of others when they say ‘That is impossible’ but instead do the most difficult mission on earth for you.
Sometimes we have jump off our own personal cliffs in order to test ourselves and strengthen our inner willpower.
The universe will reward you for taking risks, for risks taken in this way help to aid the emotional and spiritual evolution of every human being.
Taking risk is being willingly to make change, and it is the forces of change that fill the world with its meaning and every success in life.

KEY WORD:
The saying goes ‘nothing risks and nothing gains’ it is true to this proverb.
But to take risks, it had to be calculated, it need courage to march forward, and most important knowledge in order to reduce risks in life or business, and bend towards stability after trouble waters.

THE THREE EXPRESSION OF INTELIGENCE
In your daily relationships with people always remember that there are three basic expressions of intelligence that we all have within us;
The first works things out for itself
The second recognises the value of what others can understand
The third cannot grasp anything for itself or by the example of others

Meaning:
The first expression is admirable, the second is of high calibre, and the third is wasteful. By observing and knowing the cycles of these three within yourself, you will begin to see them clearly in other people.
This will be of value in all your business dealings in the world and will help you to show business direction and to encourage others to do their best.
Other people want to tell you a story of what they are worth, and their hopes and fears are often expressed through these three aspects of intelligence.

THE THREE CLASSES OF HUMANITY
All humanity divides itself into these three classes;
Those people who are fixed in their ways and behaviour, they take charge of their life and wish to achieve in style.
Those who are changeable, moment to moment, reflecting life back at others, and they wish to be part of the life’s cycles.
Those who are not neither of the first two but feel that life is a battle, they feel overwhelmed by life, and fear affects them more than the first two.

THE THREE FACETS OF A PRECIOUS LIFE
In your daily life cultivate the three facets that you need to create a precious life for yourself and for others.
Firstly, be open to learning and always encourage others to do the same.
Secondly, be open to earning your way in the world and help others to do the same.
Thirdly, do not be shy of yearning for the beautiful and true in your life and help others to see beauty within them.

THE THREE EXCELLENT ATTITUDES
Throughout your life do your best to keep to these three excellent attitudes;
Think good thoughts
Speak good words
Make every action and deed a good one.

THE THREE STATES
Beliefs that hold dear are often tested to the limit by the attitudes of others. Many will go through one or more of the following states, Remember that this is a good thing as it will help you to clarify your beliefs;
Firstly, other people will say it conflicts with their sensitivities, beliefs or religion.
Secondly, other people will say it has been discovered before.
Thirdly, other people will say they have always believed it.
Remember, other people will always want to believe what you believe just so they can own something, to have some sense of control and belonging.
Always allow your beliefs to be adaptable, but your experience and understanding to be solid.

THE THREE PRIME WAYS
In gaining knowledge of you, the world and other people, there are three prime ways;
The first is the observation of people, yourself and nature.
The second is reflection on what you have observed.
The third is taking your observations and applying them to the world at large.
Observation assembles verification of what you have observed, reflection merges them, and application reveals whether the first two are useful.
In establishing these prime ways, you will gain insight into the behaviour and habits of other people.

THE THREE QUESTIONS
From the three primes ways you can move on to asking three questions, which we have, in the process of living, no choice but to answer;
What is right or wrong in my life?
What is true or false in my life?
What in my life is inspired, and what is painful?
Look at your own life to answer these questions. Your answers will give you information about what changes you might wish to make in your life.
In applying the questions as you observe others, you will come to understand better what is happening in their lives.

THE THREE KINDS OF PEOPLE
In life people place themselves into three groups. Each of these three groups is driven by the desire to feel alive, to be safe, secure and whole.
The small group of people who make things happen.
The much larger number of people who expect those things that happen.
The vast majority of people who have no idea whether anything happened.
Which group are you in, and which would you like to be in?
Look around at the people around you- which group is ach of them in?
By observing each of this group of people, you will discover how their fear controls them, directs them and creates the life they have and the society that they live in.

THE THREE QUALITIES TO POSSES
When you stop to look at yourself and wonder how others see you, be sure that they will see in you the following qualities;
Generosity in all your thoughts and actions.
Humanity in your dealing with other people.
Self-control in the expression of your own success.
All these principals enable us to understand other people and thereby understand ourselves, heal our fear of failure, be courageous and become full of humanity and kindness.
They are stepping stones that each of us can use to become those people who walk lightly through dark and difficult times.
They aid to navigate life’s difficulties and to make our life’s journey with ease and skill.

Excellence is better than perfection because perfection is static while excellence is evolving. Mistakes are required to reach higher and higher levels of excellence.

Excellence stretches and has contingencies and flexibility to take advantage of less than perfect situations and transform circumstances to make the outcome better than anyone could have imagined.

Perfection is fragile, while excellence is prepared for just about anything and bounces back stronger to overcome that which it was not prepared for. Something new always comes along to throw a monkey wrench in perfection.

When that happens, perfection gets flustered, frazzled, and completely broken because it neglected to expect the unexpected.

Excellence welcomes tests and challenges as opportunities to expand knowledge and wisdom. Excellence understands that truth changes with our consciousness and perception.

Reality is rearranging and cannot be stopped from constantly changing. Perfection cannot handle that kind of stress. If it is all not done and if it is all not complete, than it is not perfect. It is never done and it is never complete, so the illusion of perfection can never last.

Excellence presents itself as willing to learn. Perfection boasts itself as knowing it all. Perfection says it has seen it all before, while excellence takes initiative to open undiscovered doors.

Excellence gets down in the dirt to plant seeds for future development. Perfection does not tolerate getting soiled.

Chaos is a fact of life. Excellence takes that into account and perfection does not. Perfection is oblivious to everything except itself and leaves itself dangerously vulnerable to the unknown because it thinks it is invincible, yet can fall to pieces at any moment of time.

Falling to pieces is an experience excellence has visited many times and knows how to put the pieces back together in new creative ways and is entertained by the process of becoming more than it was before.

Excellence makes fluid sacrifices for growth. Perfection has attachments and is in a stagnant state of not letting go until inevitable disaster happens. Life is a vibration of flowing cycles.

Excellence rides the surf. Perfection does not even like getting a little wet, yet gets totally crushed by the waves. It is not for us to stay the way we are. Fixations never last.

You move and have your being in emanations of fluctuation, disintegration, and manifestation. All becomes a part of you because your destiny is to grow.

Excellence seeks out mysteries to know.

Perfection only looks at what it already knows. Excellence knows that it does not know. It welcomes the new and is renewed, again and again. Improvement is always possible and plausible.

Excellence is not the epitome, so it always contemplates the question... "How can I do better?" Every once in a while it may even ask, "How can I be sure not to screw up next time?"

Excellence is not beyond considering and even seeking out guidance from multiple and diverse sources as helpful ideas can come from anywhere.

On the other hand, perfection never admits its mistakes, is quick to blame and judge others, is always right and never wrong and there is no sense ever arguing with it or even expressing a suggestion.

Really, when it gets down to it, well... "Who Needs Perfection Anyway?"

Everyone gets his or her own 24 hours each day, but why is it that some people are able to squeeze more accomplishments into those selfsame hours? Is it because they have supernatural skills? Or is it because they work harder?

Hardly. The secret to getting more done without necessarily working harder than others is proper time management. Truth be told, even some geniuses seem to struggle with managing their time and end up being less productive than those with great time management skills.

Time management allows you to get more done with less effort. It also helps reduce the stress that accompanies having to finish multiple jobs at the same time. If you truly are desperate to juggle all your responsibilities without having to sacrifice too much, then here are some tips and techniques to help you on your way.

1. Keep notes - Some of the best at managing their time have a handy notebook in tow in which they are able to keep track of the day and the things they need to do. Notebooks are a handy tool in organizing a day.

As the world becomes increasingly technology-based, more and more mobile organizers are becoming available. These organizers help you schedule appointments and duties and make keeping appointments a snap.

These are also good productivity tools. You never know when a good idea could hit you. So, if you are constantly armed with a pen and paper - or an organizer for that matter - you are in a better position to capture the idea and put it in motion. This is especially true when the idea you just came up with could make your work easier to accomplish and more efficient.

The fatal mistake most people commit is to think that they can delegate all the organizing and note-taking to memory. Unfortunately, just like you must have forgotten what you dreamt about last night, you are bound to forget whatever idea you whipped up a few days ago.

2. Modularize - The best way to deal with one major problem or multiple major problems is to divide and conquer. If you feel that a problem is too big to handle, then it probably is. Instead of buckling under the pressure, the best thing to do is to cut up the problem into more manageable parts and deal with them appropriately.

One of the biggest reasons people are unable to handle large projects is their inability to subdivide the problem into modules that can be easily accomplished. After making the problem more manageable, you can then allocate resources such as schedule, finance, and effort towards accomplishing the project.

3. Delegate - Another way to manage your time wisely would be to delegate some jobs to other people and making sure that everyone can work in sync. This will take a lot of communication, skill, and effort - but ultimately, it is the only way to accomplish anything that may be too large for one person.

4. Prioritize - Time management relies upon good prioritizing. Good propitiation depends upon your understanding of your resource limits such as time, effort, and finance. Timely allocation of these resources to the module that requires them is of paramount importance when managing your time.

Time management is no easy task. It may even eat into quite a bit of your working time. However, you should realize that even though you spend much time planning and managing your use of time, it will prove to be well-worth the effort as good time management is the only way to successfully tackle any project.

Gone are the days that woman have to depend on their hubby’s financial account for their luxury lifestyle.

The workplace and business circles are now filled with well educated woman, whom can earn amazing income even to the extent of out beating their husband’s earnings.

Woman is financially independent nowadays unlike the previous era of relying on love to keep their head above water.

Although they can earn well with their qualifications but how many woman do really know how invest with their hard-earned cash and make it give a good return in profit?

The consumer society today does not make it easy to save money, a lot of advertisement induced us to spend on cosmetics, expensive clothes, accessories, travel to luxury resorts destinations, utilising our credit cards to fund our lifestyle.

Most people are spend drift even accepting debt as a lifestyle choice and not planning for tomorrow without considering its consequences.

Learning to manage your money, while you still can enjoy a good lifestyle is within the reach of every woman as they are attainable with proper mindset on investment with return of profits.

All it takes is applying a few simple rules, that is to carefully manage your funds like purchasing a home for rent (gives you returns from rental)  and which other safe investment preparing for retirement.

TO ACHIEVE SUCCESS; SET A FINANCIAL GOAL

Setting a goal means designing some plans without giving up visits to health care centres, gym, hair-dressing salons, or going on a vacation with your family.

It is just to consider how much you are going to spend on each occasion, write for yourself a list of goals and how much you need to save to achieve your dream goals.

Set up a monthly direct debit into an untouchable saving account, limit your spending for your biggest, most costing, weakness desires, that is shopping unnecessary for designer’s accessories or eating at restaurant too often.

We have to train ourselves to be financially independent unlike our mothers and grandmothers, whom having a partner, and hand over all our money, although that may be a gross generalisation as some woman these days handle a household finance but too many of us leave all the money decisions to our partner.

But yet we do need to look at some facts; Divorce is on the rise, you may not be in the same relationship until your golden years, the global recession which cause job lost, so you may not always rely on your partner’s income.

Although the thoughts of such happening bores or dread you, it is important that woman must take charge of their own money to create a comfortable retirement should any of the above mentioned situations take place.

Ensure that you must have at least one account of your own and in your name is part and parcel of your own financial plans.

When making joint financial decisions on expenditures, investments, do not simply give the green light, or sign cheque without finding out the impact and profits.

As the saying goes; nothing ventured, nothing gained, it will be wise diversify  some funds on slightly high risk investments to get better returns, although it is known that woman  are traditionally relying on low risk products.

Sometimes venturing out of your financial comfort zone, can make your money grow faster, and as a result do shy away from financial products which seems to be unfamiliar.

To be on the safe side gather investment information from financial marketplace which explain about the products and how they achieved the return of investment and profits.

If you unsure about deciphering the information, it is wise to consult a financial expert before taking the plunge. Remember and aware that all financial products have its associated risks and the potential return.

Some investment may use leveraging to enhance the performance but which also means that any downside within the investment is exaggerated and make sure you entirely understand the risks they entail.

Furthermore, do not just make decision for unknown financial products especially without the in-debt knowledge, so do get expertise from financial consultants.

Most financial consultants have made it their career to study money markets and know how to explore the most lucrative investment opportunities.

If you do not feel comfortable about having dump your funds into risky ventures than you may just stick to do what is best at your own discretion or you may attend financial seminars to enhance further knowledge.

Approach your saving plans in the same way as your diet, and to be successful, you need to be disciplined with firm decisions.

Always stick to your plans, do not start moving goalpost, or else you will end up feeling disappointed with yourself.

Also study about tax allowance, which many people do not realised that they are overpaying certain taxes, get basic information from the relevant department because as you get higher income it can be complicated, and consult with a tax consultant.

It is important to have a flexible retirement planning that had implemented in your goals spread sheet and it’s never too late or early to think about retirement.

We must also realise that life does not always run smoothly as we hope, there will inevitably be times of hardship and periods of wealth.

Implement a retirement plan that can adapt to changes in any circumstances to ensure a comfortable golden period, reminding ourselves that the world economy is not stable, so be on alert especially on investment matters. So woman start with your goals now, it’s never too late.

"Do not go where the path may lead, go instead where there is no path and leave a trail."
 by Ralph Waldo Emerson.