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Legacy

In the vernacular of today, legacy has come to be equated with money and the bequest of little empires to heirs. What might surprise you is that the word originally was used to denote an envoy or ambassador.

For those tying their hopes and dreams to material possessions, good luck with that. We’re physical, temporal beings stuck to a spinning orb in the vastness of the universe and history bears record that empires come and go.

So, what is a legacy — and how do we create one?

The answer to the what and how comes immediately after the why.

Passion At The Core

Why do you do what you do?

Short, silly question — yet, an important one. To make it personal for each of us, maybe, this is better phraseology, “What is the passion at the core of everything I do?”

Wrap your arms around the answer and, then, we’re ready to begin creating a legacy.

Two x Seven

Builders know about a board size of 2″ x 6″ and the secret to our success in building a legacy is found in the 2 x 7. Two sentences of seven words, each.

All We Do Begins With A Thought.

Start With Nothing and Build Something Special.

LEGACY

Each letter is one step forward to building something special.

Largess has a reference to the same secondary definition as legacy, “gift, something acquired without compensation.” However, the primary descriptor of largess, “liberality in bestowing gifts; extremely liberal and generous of spirit.”

Education is the key which opens many doors, for ourselves and others. We don’t know what we don’t know — until we open our minds to the vastness of the universe. We learn by doing and the fun is in the doing. So, let’s have fun learning.

Goodness minus an “o” and the “ness” at the end directs our attention to the Source. We are simply the conduits to deliver those heavenly gifts to those in our sphere of influence. And, nobody else can deliver with our individual and unique style.

Action is the prerequisite for results leading to success. Similar to faith without works is stagnation, thoughts without actions are daydreams. A universal principle: people in motion will stay in motion until acted upon by an outside force.

Compassion flows from the Light side of the two forces influencing our thoughts and actions. Darkness is extinguished by a single flicker of Light. For those without hope, a kind word can bring cheer and a loving embrace will end their tears.

Youthfulness is a choice. We are encouraged to be childlike – not childish. The irresponsible are burdens to society. However, we seek to see the world through innocent eyes. We choose to believe in the magic of Fascination and Curiosity.

Changing Lives

Legacy is much more than the genealogy of lineage or the accumulation of stuff. Far beyond the constraints of a single Family, we enjoy the vast opportunity to change lives for the better around the whole wide world.

We do that by making sure we have much to give. And, we do that by building a Legacy. By implementing the LEGACY steps, we will grow and expand our knowledge and resources.

Rather than waiting for someone to tip over someday, we can immediately go to work in focusing on the why, what, and how to serve others. That’s where we experience the real joys — highs and lows — of life.

Beginning & End

As we have discovered, legacy is not something we get — it is the manifestation of what we give. It begins with a thought and ends at the construct of something very specialLOVE.

Love, the greatest gift, is a chosen, purposeful effort — often done in the face of fear — to nurture our own growth and the growth of others.

I wish you well in your creations — and I am available to enlighten, empower, and encourage. I will always be your envoy or ambassador, representing the One who provides for us to enjoy heaven on earth.

Legacy Coach: Kim Foard, CPA

Grab Another Plate

Having just returned from the QuickBooks Connect technology conference in San Jose, CA, I am more mindful of possibilities.

As a Certified Public Accountant (CPA), I was trained in probabilities — however, life is best encountered and enjoyed in the realm of possibilities.

At any conference, many times we learn as much outside the formal sessions as we do sitting in them. A presenter’s opinion is relevant to a specific topic — yet, the surprises usually come at the lunch table.

For our physical nourishment, yes, the provisions were spectacular. Even better were the conversations, which offered food for thought — to stimulate mind, heart, and soul.

Grab Another Plate - Feast

Two Sets of Seven

Two sentences of seven words each are the Alpha and Omega of Success.

  • All We Do Begins With A Thought
  • Start With Nothing and Build Something Special

The in-between journey is a multi-faceted Story, requiring a step-by-step and brick-by-brick endeavor. Many are the whiners and few are the shiners. Because, it is easier to complain about what is wrong, rather than create the opportunities leading to a life of our dreams — Heaven on Earth.

Every single one of us will experience the spectrum of life — ups and downs, highs and lows, triumphs and defeats. We all wake up to the same world each morning. The difference is in what we do with the 24 hours.

The secret to pushing through all events and past the naysayers we encounter each day are these two acronyms — ATM GAP.

At That Moment — Grab Another Plate

Challenges

Moving along through the buffet line of life, we have two choices — take what is offered, or move on past. Moment by moment we make decisions, which determine what accumulates on our plates.

If we forgo an item of opportunity, we might never see it again. However, if we choose unwisely, we have burdened our plate with something unsavory.

Those people who complain about a plate of scarcity let opportunities slip by. Those people who complain about a plate of undesirables chose those brussels sprouts — which, now, take up space and crowd out the desserts.

In the vernacular, we might classify the above actions, or lack of action, as “mistakes” (mis-takes). We simply mistook an item unfit for consumption, or we didn’t take an opportunity available to us.

Grab Another Plate - Colors

Beyond the things that we do to ourselves are these four challenges, which confront us all — and the plates in our hands.

  • Theft
  • Betrayal
  • Benevolence
  • Fate

We can have the most beautifully constructed mobile feast and, then, someone decides they will take what is ours. Let them have it — ATM GAP.

At That Moment — Grab Another Plate

We can carefully select the choicest of morsels, with the intent of sharing them and, then, someone stabs us in the back. Let them have it — ATM GAP.

At That Moment — Grab Another Plate

We can prepare and look forward to enjoying the goodness on our plate to, then, discover a poor unfortunate soul. Let them have it — ATM GAP.

At That Moment — Grab Another Plate

We can diligently harvest the banquet table to, then, be surprised when our plate bends, or breaks. Let the hand of Fate have it — ATM GAP.

At That Moment — Grab Another Plate

Banquet of Life

The richest individual is not the one with the greatest wealth — it is the person most happy with what they have.

Yes, we all enjoy the proverbial Thanksgiving feast of abundance. Yet, there are times when the horn of plenty is less than full. It, really, doesn’t matter — if we focus on what is.

In the darkest of hours, there is always a glimmer of hope — and in the most trying of times, there are seeds of opportunity.

Success is a State of Mind.

Every adversity, every failure, every heartache carries with it the seed of an equal or greater benefit.

Napoleon Hill

So, my friends, when misfortune has overtaken you, or you have become burdened by your choices, please, remember ATM GAP.

At Those Moments — bridge the gap of disappointment, take a leap of faith, and — Grab Another Plate.

Leverage or Lifestyle

Notorious for bragging about their lifestyle are the Montana ranchers — while they use the leverage of debt as a crutch to hobble down to oblivion.

There is a better way.

Million or Penny a Day?

What would you rather have — a million dollars, today, or a penny doubled for a month?

A Penny Doubled

Your answer will be an academic letter grade of your comprehension of the magical concept of “compounding” — either a grade of A (passing) or F (failing). The good news, today, is you’ve discovered this presentation — and can save (literally) yourself millions of dollars in Interest (expense).

You can enjoy fancy trips with your Family — rather than financing those vacations for your neighborhood Banker.

I hope you said, “Give me that penny doubled for thirty-one days.” Because that answer is worth an additional amount of $9,737,418.24.

“How can that be?!” you ask.

“Compounding,” I reply.

Now, that you know the most important aspect of this financial principle, “What will you do?”

Good Debt & Bad Debt

Okay, this is a little like Good Cop — Bad Cop. Insomuch that we can only really appreciate the good after experiencing the bad. Odds are good that everyone has done “it” in our Twenty’s — enjoyed using a Credit Card until the Bill came.

Then, we stared at that Total wondering, “How the heck can all those little amounts add up to such a big one?!” In the world of Finance, that big Total is known as the Principal.

Now, the fun begins (for the Bankers) — because for every dollar of Principal, from the beginning of that original thought, “I just can’t live without…” and a swipe of the plastic, Interest is calculated. The challenge then becomes, “How fast can we pay that Debt back?”

If the swipe of that Credit Card was to purchase something which made YOU more productive, that is Good Debt. If, however, you simply caved into fleshly desires and temptations, then, you have experienced Bad Debt.

And — all Debt is worse than Income Taxes. Interest accrues from the moment of indebtedness until payment is made. Year after year Bankers are like predators circling a carcass — they will demand their Interest be paid in good years and bad. We only pay Income Taxes in the good years.

History Lessons

Those who refuse to learn from History are forced to repeat it. That, my friends, is another Universal Principle — we will keep getting opportunities to learn until we understand the lesson inherent in the experience.

For an entire generation, we have been sold a Bill of Goods known widely as Quantitative Easing. That’s a fancy term for Free Money. And, oh how the Bankers have pushed that money at People. Maybe, even you. Did you take it? Because if you did, YOU need (and want) a Plan to get rid of that Debt.

Leverage or Lifestyle

“Why?!” you plaintively ask.

“Because I have vivid memories of a 19% interest rate in 1985,” is my reply.

The interest rate on Home mortgages for us twenty-somethings was 15%.

What’s the difference between 5% and 15%?

You’ll find it hard to believe — but, here’s the reality. And, I can explain it a couple different ways. First we’ll start with the Monthly payment on a modest house of $250,000 in today’s Billings, Montana, real estate market. Then, we’ll take a look at what Rates do to Prices.

The only two resources available to human kind are Time and Money. As we consider the investment of these resources, we also need to know Rate of return — Risk, or Reward. Before this current generation of “creative economics” and “funny money,” historically, interest Rates are a measurement of Risk. Does the phrase Credit Score come to mind?

Knowing the Principal, Term Certain, and Interest Rate we are ready to examine some Examples of a typical young couple in love — with their first house.

Examples

$250,000 at 5% for 20 years — Monthly Payment is $1,649.89. (CLICK)

$250,000 at 15% for 20 years — Monthly Payment is $3,291.97. (CLICK)

But, you exclaim, “We can only afford $1,649.89 per month!”

Okay, let’s see what that does to the Price of houses on the Market.

$125,296.40 at 15% for 20 years — Monthly Payment is $1,649.89. (CLICK)

So, if you have invested blood, sweat, and tears into Home ownership, then, be happy to live in your current home for many years, be ready to have a negative equity position for many years, or have a Plan to become debt free.

This societal notion of “free money” does not work — being “debt free” is a goal worthy of your Time and Money.

Bankers

I hope you noticed the total amount of Interest paid over the life of the loan for that $250,000 home, for a period of 20 years (please, review the last page of the Amortization Schedules).

$250,000 at 5% for 20 years — Interest paid by you is $145,973.60. (CLICK)

$250,000 at 15% for 20 years — Interest paid by you is $540,172.80. (CLICK)

Yes, that’s right — and we older kids did it — pay for that beautiful Home three times: once for Principal and twice for Interest.

Now, we made this better with 15-years of payments. $379,814.60 (CLICK)

Or, much worse (by advice of Bankers) with 30-years. $887,999.60 (CLICK)

So, it is possible to help ourselves and take fancy trips with our Families, to the tune of $160,358.20*, by paying $207.00** more per month.
[*$540,072.80 – 379,814.60 and **$3,498.97 – 3,291.97]

Or, if you are bound and determined to let a Banker do your thinking, you will pay an additional $347,826.80*, by “saving” $130.86 per month.
[*$887,999.60 – 540,172.80 and **$3,291.97 – 3,161.11]

I beg of you, please, “Do your own thinking!”

Help Yourself

When interest rates are 15%, the average Citizen cannot afford $250,000 houses. The price will come down to something in the neighborhood of $85,000 to $125,000.

Because this is another Universal Principle — there is an inverse relationship between Interest Rates and the Price of what Debt purchases.

The magical thing about numbers is they are proportional — 1/3 of $250,000 is $83,333.33 and a monthly payment of $1,097.32 [$3,291.97 / 3]. (CLICK)

Wherever you find yourself on the spectrum of debt, use these examples to make decisions, today, to help yourself in Building Your Dynamic Future.

Will interest rates go all the way back up to 15%?

I don’t know, for sure — but having lived through Mortgage rates of 15% and having paid Business loan rates of 19%, I’ll offer this, “They did it before — and it is possible for them (Bankers) to do it, again.”

In the “olden days” there were two purchase options to prevent people from becoming indebted: Savings and Layaway. Yes, it is possible to stay in vogue with societal trends by saving for the purchase of a consumable — or by placing the item out of sight and out of mind, with the Merchant, while making monthly payments (of Principal only) to acquire it.

Leverage

Debt is (AKA) also known as leverage.

Leverage or Lifestyle - Pry

The reason “why” is that debt will let us “pry” our way into deals bigger than what we are capable of doing on our own — from the Cash in our own back pocket.

Again, if we are using Good Debt for a good reason — to become more productive in life and business — then, we will create new wealth.

Remember, though, a debt must be paid back with after-tax dollars. For those in a 40% Income Tax Bracket, this means they pay back debt with 60 cent dollars.

In other words to pay back $1,000 of debt, they need to earn Wages or Profit of $1,666.67 [solution: $1,000 / .60] and they will pay $666.67 in Taxes [solution: $1,666.67 x .40] to, then, have $1,000 to pay back the Banker plus the market rate of interest (Prime + Banker Profit).

Debt is (via Bankers) a cruel taskmaster — you will be a slave to a Banker.

Lifestyle

Remember my story about the Montana ranchers?

For 35+ years, I’ve teased them about their lifestyle.

“I’m sure glad you didn’t waltz in here with your crowbar,” I’ll say.

Puzzled, perplexed, and border-line offended they respond with, “What do you mean?!”

“Well,” I’ll continue, “When you encounter a big rock at the bottom of a posthole, you go to the toolshed and get the crowbar. You leverage the rock out of the hole and, then, put the crowbar back where it belongs — away in the toolshed.”

“Why, then, do you believe living in constant fear of having all your stuff repossessed is good for you?”

I have yet to receive a positive answer to that question. I’ve listened to them swear a blue streak of profanity — at me and the world. But, there have been very few Debtors change their beliefs and actions.

Sad, because I’ve watched good people lose farms, ranches, and mainstreet businesses — simply because they refused to hear and use Common Sense.

If you want a new, debt-free, lifestyle, contact me and we’ll take the steps forward to building a bright dynamic future for YOU — and your Family.

Fix Thoughts

How important is it for us to find a way to fix Thoughts?

There is a battle raging for our souls and it is life-altering to acknowledge that our thoughts are the only thing within our control.

We cannot change the political climate, celebrity morals, Mother Nature, Father Time — or, even, your neighbor’s yapping dog.

Yet, we can be the Captain of Destiny — as we create a future of our choice.

All We Do Begins With A Thought

Reverse Genius

Genius is taking the complex and making it simple — which, then, means Stupidity is taking the simple and making it complex.

There are moments, as we stare in disbelief at the absurd, when we ask, “What the flaming heck were they thinking?!”

The problem is just that, “They probably weren’t thinking.” And, that, my friends, is why we find ourselves in the Danger Zone. The majority of civilization in any society, at any time, are not thinking. They are, simply, going with the flow — of what propagandists want them to say and do.

On the other hand, the real geniuses have always been considered crazy — for going where angels fear to tread. Because they push against what the majority consider normal (generally, the lowest common denominator), the innovators of the world happily bear the ridicule of the masses.

Fix Your Thoughts

Now, you’re thinking, “Did he slip a cog. What’s up with this notion of happily bear ridicule?!”

Happy are the people who understand this secret.

Fix your thoughts on what is true, and honorable, and right, and pure, and lovely, and admirable. Think about things that are excellent and worthy of praise.

WTF Thoughts - Anyway

If goodness is out of vogue, happy people don’t care. What they do CARE about is truth, honor, righteousness, purity, love, and admiration for the 100% accuracy of Karma delivering what is earned.

By thinking about excellence and praiseworthy topics, happy people create their own destiny. With words, it is impossible to capture this principle, which is more magical than logical.

YOU must experience it through your actions.

All We Do Begins With A Thought

Paradoxical Commandments

Some things are better explained by the experts. In keeping with the concept Less Is More, I’ll direct you to Dr. Kent M. Keith.

People are illogical, unreasonable, and self-centered.
Love them anyway.
If you do good, people will accuse you of selfish ulterior motives.
Do good anyway.
If you are successful, you will win false friends and true enemies.
Succeed anyway.
The good you do today will be forgotten tomorrow.
Do good anyway.
Honesty and frankness make you vulnerable.
Be honest and frank anyway.
The biggest men and women with the biggest ideas can be shot down by the smallest men and women with the smallest minds.
Think big anyway.
People favor underdogs but follow only top dogs.
Fight for a few underdogs anyway.
What you spend years building may be destroyed overnight.
Build anyway.
People really need help but may attack you if you do help them.
Help people anyway.
Give the world the best you have and you’ll get kicked in the teeth.
Give the world the best you have anyway.

Love Your Enemies

Yes, when reminded to do this, I tend to balk, too. However, recently, I read the Rest of the Story to realize, “We’re not alone in our daily effort to fix — what is broken.”

When someone with the Power to heal the deformed is condemned by the local yokels, then, we find ourselves in extraordinarily great company.

He looked around at them one by one and then said to the man, “Hold out your hand.” So the man held out his hand, and it was restored! At this, His enemies were wild with rage and began to discuss what to do with him.

Short version of the story is they killed Him.

But before they did, our Hero had this to say, “To you who are willing to listen, I say, love your enemies! Do good to those who hate you. Bless those who curse you. Pray for those who hurt you.”

WTF Thoughts - Think Differently

That is the way to fix Thoughts.

Do we change the character of our enemies, the haters, the vulgar, or the abusers? Simple answer: No.

Why, then, are we encouraged to Do It?

Because it is tonic for our Thoughts.

Into The Unknown

We don’t know what we don’t know. Or, in other words, how do we navigate a course never before traveled? Simple answer: Faith.

In leaving the shores of the old behind, we embrace the horizons of new beginnings. We sail forth by changing the way we think.

Whatever the mind can Conceive and Believe, it can Achieve.

Will we make “mistakes” that will be harshly judged by the naysayers as a representation of our foolishness? Of course! That is the exciting element of this great adventure into the unknown — we will grow, while the rest of the world stagnates in their comfortable rut (grave with the ends kicked out).

What is LOVE, anyway?

This definition works for me.

The greatest gift is a chosen, purposeful effort — often done in the face of fear — to nurture our own growth and the growth of others.

Love can also be measured by seven attributes.

LOVE
Is patient,
Is kind,
Rejoices with the truth,
Always protects,
Always trusts,
Always hopes,
Always perseveres.

As you might have noticed, Love is a verb — framed as a gift and delivered by action. Which means we must grow in stature, resources, and wisdom to have something to offer others.

The more we learn, the more we know;
The more we know, the more we sow;
The more we sow, the more we grow.

Isn’t life grand?!

Opportunity To Create

Designed for greatness, engineered for success, and motivated by goodness as Captains of Destiny, we are courageously heading into uncharted waters to serve the multitudes.

Simply, we have been offered the opportunity, by a Creator, to create.

I know you’ve had the experience of a HUG.

On occasion, you have served another person — who, with their eyes, expressed a newfound Hope, Understanding, and Gratitude (HUG) of life, once again.

YOU did that for them.

That is the way to fix Thoughts!

Stuttering Roadrunner

Why does a stuttering roadrunner say, “BBeep, BBeep!”?

Because — they are so dang excited about new business opportunities.

They know “BBeep” is the short version of, “Better Business evolving everyday Plan.” Or, we can shorten that to, simply, “Better Business Plan.”

For 19:32 minutes of entertainment from Wile E Coyote and Roadrunner, click: (HERE) or, watch below.

Roadrunner & Wile E Coyote

You might be thinking, “What is a Better Business Plan?”

And — “What does that have to do with me, cartoons, and having fun?!”

My response, “Everything!”

Let Me Explain

Everything begins with YOU.

Your thoughts, your ideas, your dreams will, eventually, be the catalyst to Build Something — Special.

The reason WHY you want to Build Something — Special is so YOU can be your own boss, provide well for your Family, and achieve personal and business success to the level you choose.

Stuttering Roadrunner ~ Better Business Plan (BBeeP)

Wile E Coyote and Roadrunner offer intrinsic lessons to teach us how to navigate the threats and compensate for weaknesses — so, that, we can build on our strengths and focus on the opportunities. (SWOT)

Having fun is the definition of a rich, full, and abundant life. This preamble from our United States Declaration of Independence speaks volumes to what should be our chosen lifestyle.

We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness.

Importance of Speed

Until I was twelve years old, I though my middle name was Runget. Dad was a ranch-hand, working on Montana ranches owned by Trust Fund Babies. Although our family was poor of money, we were rich in love — Dad loved his Family and I loved to go with him, to work.

Whether we were building new wood fences for the bullpen, fixing a broken piece of equipment, or training a young horse, there were always those occasions where Dad needed something we didn’t have, with us.

So, he would say, “Kim, run get…” (whatever it was imperative to success)

And, I ran. Me and Forrest Gump — we ran. I ran so much that by the time we moved to the foreign country of East Texas, I ran the other guys off the track and brought home my share of 1st place ribbons.

Wile E Coyote

If you want to see the predators circle, begin building something of value. A whole pack of your enemies will be first to the scene — and not far behind them will be wolves in sheep’s clothing. Many you counted as friends will show their true color — green, with envy and jealousy.

Even though cute in a cartoon, this is an apt definition of a coyote.

“… long, slim, sick, sorry-looking skeleton” and a “living, breathing allegory of the desire to want. He’s always hungry.”

Samuel Clemens’ book Roughing It

Unless you go all in to achieve success according to your plan, the predators will go all out to destroy your hopes, dreams, and aspirations.

And — that’s WHY it is imperative that you have a Better Business Plan.

Roadrunner

We never see the Roadrunner working on his blueprint to stay alive. Yet, his resourcefulness indicates that he is constantly modifying and adapting his Better Business Plan to avoid the wiles of the coyote.

Much more important than playing not to lose (his life) it is much more fun playing to win (your success).

Beyond the importance of speed discussed earlier, discipline, dedication, patience, perseverance, and collaboration are the secrets to drafting, implementing, measuring, modifying, and celebrating your Better Business Plan.

Better Business Plan

Since we have two hands with five fingers on each, let’s simplify all this into a 5-Step Model.

  • Drafting (discipline)
  • Implementing (dedication)
  • Measuring (patience)
  • Modifying (perseverance)
  • Celebrating (collaboration)

Drafting ~ The first step is to make a plan. All creations of value begin with an idea captured into a Blueprint.

Implementing ~ Once the plan is available, the adage, “Work the plan!” rings true. Blood, sweat, and tears will be the investment.

Measuring ~ In order to manage, we must measure — “What is going right?” — and, “What needs improvement?”

Modifying ~ “Nothing works quite right the first time.” Our choices are Resignation and Despair — or, Fascination and Curiosity.

Celebrating ~ Success is a beautiful experience, to be shared with admiring friends and respectful enemies. Enjoy!

Two Choices

We have two hands — and, not three, five, or eight — because they are a reminder there are only two paths available: Light, or Darkness. On one hand, this — and, on the other hand, that.

The creation of light requires effort — make a candle, gather fuel, or strike a match all require resources and time.

Darkness is a void — a vast nothingness of worthless space. Yet, host to those who choose to hide their evil thoughts and actions.

Wile E Coyote usually met his demise in the darkness of a canyon, as we watched him go “poof” into a cloud of dust. His own actions were the cause of the result — and Roadrunner was, simply, a spectator to Karma.

The Secret

186,000 miles per second — that’s the Speed of Light.

We may not be able to build that fast — but we can harness the Power that designed the metrics. All we need to do is ASK — Ask, Seek, and Knock.

Darkness cannot extinguish Light.

With your Better Business Plan in hand, YOU can move quickly from any taint of darkness into the light of a better day and time.

If a Stuttering Roadrunner can do it, YOU can, too!

Stuttering Roadrunner ~ Better Business Plan (BBeeP)

Relentless Pursuit

Begin creating something of value and watch what happens. The dark forces of the Universe and people of that disposition will gather their armies in a relentless pursuit to attack YOU — and your creation.

Why?

Because it’s much easier to destroy than to build. Those individuals who won’t build anything special of their own don’t want you to, either.

The War of Art

One of the best explanations for this phenomenon is offered by author Steven Pressfield in his book The War of Art: Winning the Inner Creative Battle.

He describes how the attacks will come from others — as well as from ourselves. Unless we’re afflicted with a Narcissistic Personality Disorder, generally, we feel unworthy to create.

Our thoughts, usually, are, “What do I have to offer to others?”

Then, about the time, we discover our passionate purpose and offer gifts of great value — a new creation never before thought, or done — we will hear the naysayers find fault. Our insecurities take control and we shrink back into our comfortable shell — that comfortable rut (grave with the ends kicked out) and routine of everyday drudgery.

Freedom To Be

As long as we allow our lives to be dictated by the whims of society, we will be living just like everyone else. We will fit in with the masses, or be beaten down into servitude — by those with an agenda for our lives and resources.

Or — we can choose to be free – to be – a creative force in the Universe.

The funny thing about freedom is that it is not free. We must decide who, or what, we will serve. There are really, only, two choices: Good, or Evil; Light, or Darkness; Creation, or Destruction.

Once we have discovered the purpose for our existence, the fun begins.

We learn by doing and the fun is in the doing;
— so, let’s have fun learning.

You might ask, “Learn what?”

My response is, “Everything!”

The more we learn, the more we know;
The more we know, the more we sow;
The more we sow, the more we grow.

Isn’t life grand?!

Stand Guard

Because the attacks on our creations will always come from outside, we must be vigilant to protect the mind, heart, body, and soul.

All we do begins with a thought.

The greatest threat to ourselves and what we choose to create will be the influences we let into our mind. It is impossible to thwart the assault — a thought will penetrate our consciousness. Our response will determine if it has a fertile bed to sprout, mature, and become malignant.

At that moment of consciousness, we can choose to refocus on our purpose — and replace evil with good. The difference is a world of our creation — or, not. We can enjoy Heaven on Earth.

Individual Responsibility

The framers of the United States Declaration of Independence clearly understood the importance of freedom and individual responsibility — to choose and, then, be accountable for the consequences.

We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness.

There is no guarantee, or definition, of happiness in that statement.

Each of us — individually — are free to determine what happiness is.

My hope is that YOU will engage with a relentless pursuit — to build something special for YOU and your Family.

Performance Realms

In an ordered Universe, these four — in this order — would be the performance realms: Goodness, Thought, Action, and Feelings.

Goodness would fuel our Thoughts, which motivate us to Action, resulting in warm fuzzy Feelings.

However, we live in a time with slogans similar to, “If it feels good, do it.

Reverse Engineering

So, we begin this Story upside, down.

Genius is taking the complex and making it simple — which, then, means Stupidity is taking the simple and making it complex. Let me illustrate the silliness of this hampster-wheel existence.

If we being with feelings, the analogy is of a person on the beach, who discovers a small rowboat. They’re in the mood for sun-bathing and the calming effects of water motion — so, they give the boat a push into the ocean, hop in, lay down, and float away on the waves.

Next, let’s picture another individual as a fitness guru. They know the action of their muscles can power that rowboat. So, they search about for a set of oars, before launching. They row furiously to work those arm and leg muscles — yet, we find them rowing in circles, for hours at a time.

Now, here comes someone to that same little rowboat with a map and a plan. They have put thought into their upcoming voyage. In addition to oars, they have brought the appropriate provisions for the trip. They set their compass for a destination of their choice and set sail.

Finally, we have an individual who boldly strides into the theatre of our mind exercises, with goodness in mind. In other words, they have a purpose when approaching the little boat on the beach. As a result, they have brought an Evinrude outboard motor — and off they go.

Begin With The End In Mind

Then, this challenge comes from the clueless, “What end?!”

And… that’s the point of this presentation, “We need a source of goodness to establish a purpose — that’s so dang exciting and challenging — we are inspired to go all-in and give all.”

The complexity of this challenge can be simplified into three words.

Why
How
What

Why are you thinking about doing something? Does it complement your purpose in life? Will it provide happiness and joy? (People)

How will you accomplish your goal? Are you able to make the sacrifices necessary to let go of the old habits and develop new ways? (Process)

What will be the benefit to you and others in your sphere of influence? Is this legacy adequate for your mark on the world? (Results)

Back To The Story

Whatever became of the individuals we left on the boat?

For a while, the feelings person enjoyed the warmth of the sun and the motion of the waves. In time, they dozed off to sleep — and, then, awakened to the blackness of night, tossed to and fro by the hand of fate.

Our action Jackson figure sure enough built a few more muscles, for his own admiration. Because, after all, he was alone in that boat with his oars and paddling like a riverboat gambler — going nowhere fast.

Since all we do begins with a thought, that individual was at least headed to a specific destination they had chosen. Might be an adrenalin rush to get there — yet, once there, boredom is apt to set in.

Designed for greatness, engineered for success, and motivated by goodness our Captain of Destiny is courageously headed into uncharted waters to serve the multitudes.

From The Top, Down

There is an order to the Universe and it is this simple.

Spiritual
Mental
Physical
Emotional

Regardless of belief, we are not the center of the Universe. Contrary to the modus operandi of the narcissist, there is a higher power — and Karma is deadly accurate in the delivery of what is earned.

All we do begins with a thought — and we have the freewill to choose what influences our thinking. Just like a radio dial, we can select the media flowing into our minds — good, or evil.

Yes, actions speak much louder than words. After sharing our intent with talk, we must make the walk — to deliver for the benefit of others. As we perform, The CARE Credential guides our conduct.

Guaranteed we will, then, experience natural highs better than any illegal street drugs. There are no side effects, crashes, or withdrawal symptoms. And — the beauty is — we can reach these euphoric states at any time.

The Secret

Undeniably, there are two competing, unseen, forces in our society. Just like the concept of gravity, words are useless to describe the intangible — yet, the effects are very tangible.

To keep things simple we will acknowledge these two influential sources as — Good and Evil. The wavelengths of each are there for us to tune into.

Those of an older generation will remember a time when we were lucky to have three TV channels — maybe, one good and two with snow (white flickers on an otherwise black-and-white picture). Naturally, the clear black-and-white channel was watched the most.

Between the forces of Good and Evil, there is not a third choice. There is no maybe to this spectrum of choice. As analogies, a skydiver is either in the airplane – or, out; a woman is either pregnant – or, not; and we either believe – or don’t.

If we choose Good over Evil, we become conduits of goodness for the treasures from above to flow through us for the benefit of those below.

It’s as simple as that.

Four Horsemen

Well Balanced

Silverado HeroesAll great thriller movies have this in common — there are four heroes, each with a different and extreme temperament type, who are brought together by the hand of fate to overcome impossible odds.

During the adventure, it becomes clear to us that all four of those different and extreme temperaments — combined into one powerful force — were absolutely necessary for good to triumph over evil.

For each of us, individually, the same principle holds true — we must incorporate the four temperaments into our hero persona to be well balanced and successful in our ventures.

Types of Thinkers

There are three dimensions to human Thought: Flatliners, 2-D, and 3-D.

Flatliners are just that — draw a line, from left to right, and that represents the Zombies of the world. They don’t think — they just exist. If we let that flat line represent the horizon, there is never anything on it. No ideas, no plans, and no sense of direction, or purpose.

2-D Thinkers have a horizontal and vertical axis — in addition to left and right, they have an up and a down. Now, we get a picture of who they are. Literally, as we view any work of canvas art, we have a sense of the creators’ style, taste, and intention.

3-D Thinkers have a depth to their thoughts. That flat picture image we admired for a moment, now extends backward and forward, to offer an exciting opportunity for us to engage with that individual.

Relationship Strategies

There are many variations of the Quadrant Philosophy. For the sake of this presentation, I’ll offer two — which I believe will enlighten, empower, and encourage you to invest time in your own discovery.

“Discovery of what,” you ask?

“Of you and how to connect with me,” I say.

Imagine a map of the United States. Now, draw the horizontal and vertical axis (big Plus sign) across the Map. Each of us lives in one of the four quadrants. Then, think about where your friends live. Do you, always, expect them to cross those axis lines to visit you? Or, is it more fun to go visit them?

The point: we study Relationship Strategies to understand how to get to where others are —because three-fourths of them do not live in our Quadrant.

DISC

Dominance Influence Conscientiousness Steadiness
(Click For Larger Image)

One prominent personality profiling model is DISC — which is the acronym for these four profiles — Dominance, Influence, Steadiness and Conscientiousness.

For a small fee, you too can discover your location in the Quadrants by testing here.

Please, remember, we go through this exercise not to obtain a “label” — but, instead, to increase our understanding of how to better connect with other people. I believe in leading the way to make the path easier for those who choose to follow — so, here are the results of my DISC Classic 2.0.

I’m an Objective Thinker.

DISC Simplification
DISC Circle
(Click For Larger Image)

So, let’s simplify DISC by using the analogy of target practice with a rifle, the performance of which is best achieved by: Ready, Aim, Fire.

A “High C” sharpshooter (remember, that’s your favorite SageTalk author) will do this: Ready, Aim, Aim, Aim, Aim, Aim (while considering distance to target, weight of bullet, grain of powder, composition of target, wind velocity, barometric pressure, etc). Somewhere in this sequence, probably after about the third Aim, your head is about to explode! Our bad. We — me, a “High C” — need data, lots of data. Because we intend to be precise in the result — when we, eventually, commit to squeezing the trigger.

I have many “High D” friends. Their approach to our target practice is: Fire! ~ Ready, Aim. In fact, they’re probably using their semi-automatic to blast away. “No worries, mate! Knock ’em all down. We’ll sort out the pieces, later!” Their motto is, “Just get it done and get it done, now!”

Oh, look. Here comes an I, a “High I” at that. Dressed to the nines in his sporting jacket, puffy pants, fancy cap, high-top boots — and, he has a designer shootin’ iron draped over his arm. He’s ready for the party, drinks, and conversation — after we punch a few holes.

And, yes, that’s a “High S” standing off to the side making sure all the spent cartridges are gathered and wondering if we, really, need to make this much noise.

Bill Engvall has the right idea for the galactically stupid people of the world — and, expresses it in his comedic routine — Here’s Your Sign. Yet, by considering the insight, above, the question becomes, “Are they really stupid?” Or, are they just doing the best they can with what they know and the resources available to them? And, is it possible that because their DISC sign is different from ours, they’re thinking we’re the “stupid” ones?!

KWML

King Warrior Magician Lover
(Click For Larger Image)

Now, let’s have even more fun with a different set of Quadrants — King, Warrior, Magician, and Lover.

Yes, once again, I have whacked a path through the thickets for us.

As much as I wanted to be a King — because, after all, the meaning of the name Kim is Chief. And, many of my friends, when we’re working together, affectionately use that term quite liberally.

So, my first time through the assessment was Thursday, April 19th — during that week after Tax Season, when I had time for me. As I surveyed my kingdom through the large windows of my Red Lodge home — of which, the 18th Fairway was an extension of the backyard — all was well in the Realm. Sure enough, at that moment, I was a King.

Then, the next week, it was back to work. After a few days off, evidently, the Forces-That-Be decided I was ready to be engaged in new adventures. It was a Wednesday, April 25th, when I made it back to the castle, after a busy day of slaying Dragons. I thought, “Let’s take that silly KWML test, again — because today was a typical day in my universe.” Hello Spartacus.

A force of nature, Warriors have the power and confidence to conquer any task.

Confident, competitive, and analytical, you are a fierce and steady protector of your friends, family, and all things you hold dear. You’re extremely ambitious, targeted, and determined—almost to a fault of being self-centered—and are an undeniable force of industriousness. While you’re logical, orderly, and respect the rules like the King and Queen, you’re much more assertive and always ready to dive into action or conflict. Because you prefer to be somewhat isolated, you tend to have few very good friends, but these friends definitely count on you whenever there’s a task to be done with precision.

Location on the cognitive-emotional spectrum: Located in the lower left quadrant of this spectrum, your personality reflects your strong emotional sense of confidence. Your style of thinking tends to be more left-brained — logical, sequential, rational, and objective.

“Give up the battle to win the war:” Dare to be occasionally weak to be seen as “real” to others and find that enemies can become friends if you let them have a bit of the power.

Again, the only reason I share this with you is to encourage YOU to understand where you are in relationship to other People.

SILVERADO

Released to theaters in 1985 (same year as the birth of my daughter, Lindsey), the movie Silverado is a family favorite. The heroes are Emmett, Mal, Jake, and Paden.

In thinking about sharing this Story with you, I practiced the outline with my son, Ryan, a few days ago. He helped me identify the King, Warrior, Magician, and Lover from the cast of Silverado.

• King – Emmett (Scott Glenn)
• Warrior – Mal (Danny Glover)
• Magician – Jake (Kevin Costner)
• Lover – Paden (Kevin Kline)

Now, even as I type that out for us, do you see the pattern in the types of roles each of these four actors choose and for which they are best known?!

I rest my case.

There is something special about the KWML quadrants.

Four In One (CCPT)

Often, I’m asked, “What’s the difference between a Coach and a Consultant?! The simple answer is, “One asks all the questions and the other has all the answers.”

My mom offered daily prayers that I would go to Ambassador College and be trained as a Preacher. I have always wanted, though, to follow more in the footsteps of my dad and became a Teacher.

Coach
They ask questions with the belief that eventually you’ll tap into your inner child and find the wisdom to deal with your own dang problems.

Consultant
They show up on the scene to fix what is broken and bring with them the solutions to all of your problems.

Preacher
They are passionate in the crusade to persuade you to believe you can enjoy heaven on earth, now – if you are willing to sacrifice your ego.

Teacher
They will share with you all of the tricks and tips from their vast libraries of education and experience to assist in your journey of learning how to fish.

Cowboy Poet & Philadelphia Lawyer (CPPL)

The self-proclaimed label of Cowboy Poet is to honor the importance of heroes and the power of words. As a kid, I wore a fancy, tied-down, two-gun rig, with which to dispatch the bad guys. Now, I rely on the proverb, “Truly, the pen is mightier than the sword.”

Jim FoardI received the title of Philadelphia Lawyer from my dad when I was about ten years old. We were unloading sacks of cow salt out of the pickup into the granary one evening — and, I was doing my twenty questions routine.

Evidently, I lost track of the number — and, it must have been a long day for Dad. In exasperation and with a smile, he declared, “Kim, you ask so many questions that I’m sure you’re going to grow up to be a Philadelphia lawyer!”

He didn’t miss the mark by much. When it comes to putting together the conference room deals of our society, attorneys and CPAs are usually sitting side by side.

Fifty years after Dad’s observation, that natural curiosity has grown exponentially. The questions have become more focused and the intent is pure. I want to help YOU build something – special.

The mental image of a Cowboy Poet & Philadelphia Lawyer is one of ostensible contradiction. Yet, these four words remind me that life is best experienced on a spectrum. So, think of a sphere. Then, imagine the axis lines holding it symmetrical from the inside, out. Like the four points of a compass — as far as the East is from the West — opposite ends of the axis lines are required for balance.

Growth occurs when we push the artificial limit of where the internal axis lines end — which, are at the edge of who we currently are. As we stretch the boundaries, the result is a greater sphere of influence for the benefit of many. These spectrums of life stretch to infinity — if we have the courage to let our minds become open to the vastness of the universe and the unlimited potential of each individual.

The cornerstones of my heritage are Spurs and Books. What rowels are to spurs, vowels are to words. They are the jingle of rhythm and points of meaning.

A Cowboy (Warrior) is a man of action and defender of principle. The thoughtful approach of a Poet (Lover) casts a soft and gentle hue. Philadelphia (King) is symbolic of friendship and brotherly love. When those attributes are absent in a relationship, a Lawyer (Magician) intends to discover the facts, and just the facts, ma’am!

Compass Bearings

As we begin to summarize these different Quadrant Philosophy variations, I want the KWML to be our true North. Therefore, I’ll restate the order of DISC, CCPT, and CPPL to match King, Warrior, Magician, and Lover.

The bold words are the primary strengths I will bring to any relationship.

» King (30.7%) — Dominant — Coach — Philadelphia
» Warrior (46.2%) — Conscientious — Consultant — Cowboy
» Magician (7.7%) — Influence — Preacher — Lawyer
» Lover (15.4%) — Steadiness — Teacher — Poet

Choose Wisely

I hope these stories about the study of Relationship Strategies and the application of Quadrant Philosophy have inspired you to think about your role in meeting others where they are. To push the boundaries of who we are and to better serve those in our sphere of influence, we must be relentless in applying all four temperaments.

Ask, seek, and knock on doors of opportunity, until you discover a Master to offer their version of the Three-E’s | Enlighten, Empower, and Encourage. Otherwise, you will be left in the dark, with no tools, and a feeling of hopelessness.

Many people are simply trudging through life — enduring each day. Because they are waiting for someone to save them from their earthly troubles. They have been led astray, by wolves in sheep’s clothing, to believe they must wait for the Kingdom of Heaven.

And, that dear Friends, is the importance of little words. There is a world of difference between of and in. Think about it — of denotes “belonging to” and in specifies “location.”

It is impossible for any of the scholarly ministers in their whited sepulchers to show me even one scripture reference to the exact phrase Kingdom in Heaven.

Let’s move around those in our way and claim the treasures promised to us.

A Better Way

Saddle up and ride with me.

The four horsemen of Silverado have shown us what is possible:

A misfit bunch of friends come together to right the injustices which exist in a small town.

The only difference between them and us is scope:

We intend to make a difference in the Universe.

YOU can enjoy heaven on earth, now.

Let’s ride!

Four Horsemen

Begin With YOU

Everything — Begins With YOU

My mission is to guide YOU to personal and business success, according to the vision that YOU establish for us.

I coach intensely passionate individuals, who want personal and business success.

That’s my Storyline; start with nothing and Build Something — Special. And — I know, for a fact, we all have a Story to share.

Success is not going to magically waltz into our lives — and, it is not a destination, at which to arrive. Daily, we must create success — the unique version each of us has determined to be right — for the benefit of ourselves and the rest of the universe.

Steps To Success

Stories can inspire you to take a flying leap of faith to make lifestyle changes — or, take action, the concept of which can be encapsulated in a single word: Commitment.

After you’ve decided to go All In — then, baby steps are required to move from Here to There.

If you set expectations about the entire Journey, you will give up before even beginning. So — the Secret is to take one Step at a time. Focus on that one Step and then another becomes visible — and, you will know exactly how to take that Step. And, the next. And, the next

Go as far as you can See — then, you’ll be able to see farther.

The purpose of this presentation is to shine a light on your Path — and, to offer hope on your Journey.

Three-E Formula

My energy and efforts are focused on your success. If you are ready for a change, I can help — by gently teasing YOU into considering the power of the Three E’s.

Enlighten

Individually, our worldview is limited by our education, experiences, and resources. My role as A Business Coach is to broaden your horizons with Stories that shine a light on the path you have chosen — so, you can act on your new aspirations.

Empower

Beyond the sage talk, I will provide opportunities for you to learn by accomplishment. Teaching is an honorable profession. I will make sure the right tools are in your hands – and, that you have the knowledge, understanding, and wisdom to use them properly.

Encourage

The 5-Step Teaching Model can be described as Explanation, Demonstration, Imitation, Correction, and Repetition. With each and every Step to Success, you will be tempted to quit. Until you run me out of your Life, I will continue to ask that you believe in YOU — the I AM.

People Over Process (POP)

Here’s the secret — always, keep People over Process. Think about it. Process is designed for efficiency. People are created for growth. As soon as an individual grows, the process no longer fits the occasion. The rules must change to reflect the new person.

The ABC’s Of Success

Our minds are designed to think and remember by 3 — in fact, the principle is known as the Magic of Three. The simplest way to maintain focus is to use the magic of these three words — Attitude, Boundaries, and Commitment.

Attitude

An intensely passionate desire to Build Something — Special.

Boundaries

Well defined beliefs and able to communicate effectively.

Commitment

Able and Willing to go All In — to do whatever IT takes to Succeed.

Begin With YOU

Whatever the mind can Conceive, it can Believe and Achieve. This is about more than “Positive Thinking” — this is about belief in doing the impossible. If YOU have the Want To, you will be able to Do It.

Each of us determines our, individual, definition of Success. Even though success is much more than the accumulation of material riches, money is important. Those who say otherwise will lie about other things, too.

After 35+ years as a CPA, there are many financial principles and secrets that I want to share with YOU.

If you’re an entrepreneur starting a business, my methods can help YOU be successful from day one. If you’ve been in business for several years and are tired of working for nothing, I can listen, observe, and then guide you to the goals important to YOU — and, your Family.

I believe in the wisdom, “Customers only care about how much you know — after they know how much you care.” The purpose of this presentation is to express a high degree of caring — by, sharing the very best with you.

You’ve discovered A Business Coach — who passionately cares about YOU.

Thoughts

All We Do Begins With A Thought

The thoughts that got us into our present situation will not be the thoughts that get us out of it. And — I’m talking about good situations and bad situations.

If all is well in our world, it’s easy to become complacent. Or, in simpler language, we find ourselves in a rut — the definition of which is a grave with the ends kicked out. So, we need to enhance our thoughts to move beyond where we are — to where our passion is pointing.

If all is not well in our world, then, it’s obvious to the whole world — except maybe ourselves — that we’ve engaged in some stinkin’ thinkin’ somewhere in the recent past. So, we need to change our thoughts to move out of the ditch we find ourselves, up to a solid footing and foundation, upon which to Build Something — Special.

Heredity

We come into this world hard-wired in certain aspects of our worldview. Some babies seem to be, just naturally, happy — others need a little more attention to their self-inflicted dramas.

As a result, I believe our minds come pre-tuned to certain wavelengths — or, channels if you will. Just like in the olden-days when AM radios had a dial for a tuner, slowly, we can move the dial to find a better channel to influence our thoughts.

As a hero of mine quite often said, “For the same reason we shower every morning, our minds need a daily dose of motivational thoughts.”

Environment

We are affected by our surroundings and the people in them. Without any thoughts, whatsoever, old beliefs and habits move us through the day. A lot of individuals are on autopilot — they’re not thinking about anything. As a result, Thought Influencers can have their way in the lives of the zombies.

In addition to the 24/7 propaganda from television and social media channels, friends are part of the list of our chosen Thought Influencers. Unconsciously (to us), they can tear us down — or, build us up.

If our life has become cluttered and chaotic, there is a solution — we must be ruthless in taking out the trash.

Big Idea

Change nothing — Nothing changes

There are two ways to change our thoughts:
• By do-it-yourself (DIY) Reading.
• By asking for compassionate Coaching.

The school of hard knocks is a very effective institution for higher learning. And — it’s true — we can reinvent the wheel every time we want to learn about a new method of transportation for our lives.

On the other hand, why DIY when someone else has, already, whacked their way through the thicket? They can suggest safer routes for YOU.

Click right Here — to schedule 60 minutes with the Best Coach. 🙂

Whatever the mind can conceive and believe, it can achieve.