Attitude is perspective. Change the perspective and you change the results. You can’t do the same thing the same way everyday and expect to magically succeed. But once you change someone’s perspective, once you change how they see problems, once you change how they believe things can be, you change results.

You should make a date every year in your diary. Think about if you are getting a good deal. Call other banks or home loan companies. Call your own bank and ask if they can put you on a better deal. At least then you would know if you are getting a good deal or not.

Let’s turn that scenario around. Let’s say after six weeks of hard slog you stepped on the scales, and to your horror, you’d lost half a pound, or academy.spiresystems.com even gained weight! But your clothes don’t fit anymore. You’ve been trying on dresses that are 2 sizes smaller. Your waist is much tighter. You have definition beginning to show around your upper arms and shoulders. It doesn’t make any sense! Well after working out your body fat percent, you find it actually makes perfect sense. You’ve actually been replacing fat with muscle, so it’s no wonder you’re so much slimmer and more toned, despite the scales not really registering a change.

So what exactly is it that creates the drama and stories we love to tell? It is based on the dysfunctional mindset with which we grew up. We place ourselves, deliberately, in the same situations time and time again – because there is a lesson to be learned – and allow our unconscious habits egged on by the ego’s need to be right, take over when problems occur. It is so much easier to blame someone else!

Never make a late payment on this card because you will probably lose the zero percent interest rate if you do. Also don’t make any new purchases on this account. Only use it to hold the portion of the debt you’re paying off.

I will continue to use the example of the two students who earned the 84% and 86% averages. For this example, the students earned their percentage scores entirely from multiple choice tests. (Students in the real world do more than just take multiple choice tests. However, for this example that’s all they do.) 84% means that for every 100 multiple choice questions this student attempted to answer, this student answered 84 correctly. 86% means that for every 100 multiple choice questions this student attempted to answer, this student answered 86 correctly. By now you are probably thinking: Students’ are not given tests with exactly 100 questions every time. What about a student that is given a test with only 75 questions, or the student who is given a test with 150 questions?

Lenders are always looking at borrowers with a critical eye. They are sizing up your average borrower as a risk. If they lend you money, what is the risk that you will default on the loan and leave them holding the real estate in question? As you can imagine, there are plenty of factors that go into the analysis. Certain factors can be very important to one lender and less so with another. The one factor that makes all lenders pay attention, however, is the down payment.

Every multi-level marketing (MLM), direct sales or home-based business opportunity you invest in, is a business, and should be treated as such. The downfall of so many is that they just do not regard it as such. The numbers speak for themselves. The fact that there’s a 97 percent dropout rate within 90 days, is proof positive that something is wrong with the system.

Following are three of my top time-management tips. If you’re new to freelancing and make these a habit early on, you’ll be successful that much sooner.