TFW - The Round Up - Fall/Winter 2010

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In ThIs IssuE: As we put the finishing touches on 2010, we are reminded of how unpredictable life and business can be. TFW rounds-up the year with expert advice to leverage your best for a successful 2011. Our contributors share their experience and that of experts to fortify you with the tools and knowledge you will need to defend yourself against any wild stampede that may come your way.

Melissa Curzon Publisher of TFW & CEO-President, Triumph Solutions Inc.

ConTACT Us Phone 949.837.9154 Fax 949.682.4853 [email protected] www.tritfw.com

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Triumph solutions Inc. Mission Viejo, CA

posTMAsTeR ChAnges [email protected]

TFW TeAMEditor in Chief: Melissa CurzonExecutive Editor: Ann KvaalEditor: Cindy HaasEditor: Kathy LyonEditor: Nancy EverittCreative Director: Colleen DavisContributing Design Director: Geoff Curzon

Fall/Winter 2010: Vol 4 No 4, ©2010 Triumph Solutions Inc. All Rights Reserved.

Contents may not be reproduced in whole or in part. Editorial content does not necessarily reflect the views of Triumph Solutions Inc. or its officer, agents, and employees. Today’s Financial Women (TFW), ISSN 1935-7842, is published four times a year by Triumph Solutions Inc., 23031 Cecelia, Mission Viejo, CA 92691

4 | The Round UpMuch like a stampede of wild buffalo,

the us economy is undisciplined,

untamed and has haphazardly trampled

individuals and businesses in its path.

Do you have the knowledge and power

to tame the wild buffalo in your life?

6 | “Project You” 2010 Review [Executive haberdashery]

It can be very easy for items on your

career plan to slip to the bottom of

your ‘to-do’ list. Karen Adademes

shares five easy tips to create “Project

You.”

8 | Confidence: Are You Faking It?Dr. Lois Frankel shares her thoughts on

how “faking it” may be the appropriate

“act” for the workplace.

10 | Leverage YTD ResultsExecutive coach Regina Barr

encourages you to “Leverage Year-To-

Date Results” to establish and enhance

your credibility.

12 | Your Money PersonalityLearn how to enhance your use of

money – if it burns a hole in your

pocket or if you’re holding on to your

first nickel – with the Money Personal

Assessment designed by Don Redinius.

TAbLe oF ConTenTs

TFWTM

Today’s Financial Women

Photography on Cover, Table of Contents and The Round Up article by Geoff Curzon.

www.TRITFw.com | TFW Magazine4

The Round Upb Y M e L I s s A C U R z o n

The Round Up

Imagine the sounds of wild buffalo magine the sounds of wild buffalo barreling down a street in your town. The stampede is likely to cause damage

to some homes, businesses and individuals that are in the path of destruction. Natu-rally, there will be those who attempt to defend their property and steer the herd in a different direction. Unfortunately, the strength, power and will of the buffalo are no match for one individual. As the buffalo become threatened, they buck and rear, and in their wake they topple people who try to tame them. Much like wild buffalo, the US economy has become undisciplined, untamed and unruly. And like a stampede of wild buffalo through the streets of a small town, the economy has haphazardly trampled individuals and businesses in its path. For some, there was plenty of time to take cover; for others the warning sounds came much too late. While our government representatives are at work to study, debate, create and implement financial reform, our lives are put on hold. As we patiently wait, we have the time to create our own personal financial reform by rounding up the knowl-edge, power and discipline to tame the wild buffalo in our own lives.

TFW has rounded up a team of financial TFW has rounded up a team of financial TFWexperts to share their knowledge and advice. Our primary objective was for our experts to identify the critical areas an individual must address in order to secure their personal financial reform in 2011.

1. Commit to financial education. Accord-ing to a study conducted by Prudential, women lag behind males on virtually every financial literacy metric; of the women polled 95% were responsible for making the financial decisions for the household. Professor Quist-Newins believes women are at a particular disadvantage because they are more significantly exposed to certain life risks that jeopardize their physical and financial well being.” Therefore, it is impor-tant for women to take an active approach to learning. Be careful to not fall into the trap of main stream books that tend to cover one aspect, rather look for broad topics with comprehensive overviews. Do not rely

solely on the advice of financial planners but seek the answers by asking critical ques-tions. Learn one new financial fact every day. Keith Weber warns “emotions are the enemy of financial planning – allowing them into the equation can only be perilous to your future.”

sUggesTeD ResoURCes> Foundations of Financial Planning Overview –

Mary Quist-Newins> Women and Money, Matters of Trust – Mary

Quist-Newins> Glossary of Financial and Business Terms –

http://www.nytimes.com/library/financial/glossary/bfglosa.htm

MEET ThE ExPERTs:Professor Mary Quist-newins, CFP®, ChFC®, ChFC® ®, CLU®, CLU® ®, has the distinction of holding the ®, has the distinction of holding the ®

State Farm Chair in women and Financial Services – the first and only endowed academic chair in the country devoted exclusively to the study of women and financial services issues. She is the author of Women and Money, Matters of Trust, and is Assistant Professor, The American College women Studies.

Don Redinius has been identified as a global expert in business and personal performance improvement, an innovationist, strategic thinker and certified Six Sigma Master Black Belt from Six Sigma Academy. Don is the author of The New Era of Financial Success.

Kathryn senkbeil is a Senior Vice President, Financial Advisor with Eaglehead Group at Morgan Stanley Smith Barney. Kathryn manages assets under $400 million and has twenty-four years industry experience. She counsels her clients on issues surrounding intergenerational and legacy wealth, financial planning and concentrated stock positions.

Keith Weber, CFP®, CPRC, is an experienced expert helping individuals and ®, CPRC, is an experienced expert helping individuals and ®

organizations reignite their passion for work and life. Keith retired his individual practice and now focuses as practice management coach and author of Rethinking Retirement.

Top FIve AReAs oF FoCUs FoR peRsonAL FInAnCIAL ReFoRM

TFW Magazine | FALL / wINTER 2010 5

2. Get social about your finances. Engage in conversations with colleagues and friends about finances and the economy. Frequent and topical conversations help build your personal understanding and help you create a sense of freedom of the unknown. Kathryn Senkbeil suggests that you select current articles and discuss them with friends and colleagues. Challenge yourself to rethink what you know about financial matters. Share your planning ideas and learn from others regarding their plans. Kathryn cautions to never put your money into opportunities you do not understand. Learn from social exchanges, it is critical to research and then plan. Don Redinius warns that by postpon-ing action you will likely remain uncomfort-able with your financial situation.

sUggesTeD ResoURCes> Financial Glossary – http://biz.yahoo.com/f/g/

3. Manage your money, don’t let your money manage you. “We don’t live to work – we work to live,” says Redinius. He suggests that we redirect our focus from the income sheet to the balance sheet – in the end the balance sheet always wins. Track spending to tighten your budget. Create a financial baseline and ask yourself, why can’t I live on the 60% of what I am currently spending? Whittle down the discretionary spending and modify your flawed money behaviors. By drawing the baseline in the sand, make a conscience choice to manage your money. Become strategic versus tactical; know that a financial product is not a plan. Products are merely tactical tools to build or protect assets and income. Create strategies to manage risk and build wealth. Professor Quist-Newins states “we can’t

control what happens around us but we can start taking action now.”

sUggesTeD ResoURCes> Rethinking Retirement – Keith weber > Six out of Ten Women Don’t Know How They’ll

Pay for their Future Long Term Care AARP survey – http://www.insurancenewsnet.com/article.aspx?id=229797&type=lifehealth

> Retirement Calculator – http://cgi.money.cnn.com/tools/retirementneed/retirementneed_plain.html

4. Actively manage and refinance debt. Pay down high interest rate debt and estab-lish a plan to become debt-free. Financial worries have the greatest impact on our health, work and families.

• Couples who argue about finances once a week are 30% more likely to divorce, states a 2010 study conducted by Utah State University, Family Studies, Amanda Horrocks.

• A workplace productivity study performed by Society for Human Resource Management (SHRM) found that 1/4 of employees are distracted by financial concerns and 52% had increased absences due to financial matters. In a 2010 study, MetLife finds that 68% of employees said that over the last 12 months they were distracted at work because of financial worries.

• A 2009 American Psychological Asso-ciation study reveals 75% of Americans are experiencing high stress due to financial concerns, a 42% increase from the previous year.

Keith Weber tells us that over extended debt is an individual’s greatest stumbling block, “when adversity hits, don’t be on the brink of crisis, preparation is the key.” Creating a plan to reduce debt, including mortgage debt, will provide hope and solu-tions; as debt is reduced the extra funds can be redirected into savings. Take one step further to understanding the difference between “Put and Keep” and “Put and Take” savings plans. It doesn’t make sense to say you save; you need to have a balance to show for it.

sUggesTeD ResoURCes> Debt Calculator – http://www.consumercredit.

com/debt-payoff-calc.htm> Budget worksheet – http://www.consumer-

credit.com/budget-sheet.htm

5. Change the way you think about money. Create a paradigm shift. Seize opportunities to achieve financial health. Redinius asks you consider employing the REACH Methodol-ogy: R- Recognize, E- Establish, A-Achieve, C- Control, H- Have. Only when we change how we think can we begin to change our behavior. Quist-Newins reminds us that “procrastination is a thief of time.”

sUggesTeD ResoURCes> The New Era of Financial Success – Don Redinius

Just as it is difficult to tame wild buffalo it is equally difficult to tame our financial behav-iors. As we approach 2011, it is time for us to think differently and begin to improve our financial future. Round Up the knowledge, heed the warnings of our experts and utilize the resources suggested to create your own personalized financial reform.

Phot

o: G

eoff

Cur

zon

Our current economic situation is empowering, we have an opportunity to rethink how we want to live.

—Professor Mary Quist-newins

Project Youb Y K A R e n A D A M e D e s

Personal development can easily end up at the bottom of your ‘to-do’ list. here are FIve TIps to take positive action before the end of 2010.


2010 Review


As the end of 2010 approaches, it’s a great time to review your own development over the year. Focusing on your career, as well as your job, is important to ensure you have the best skills, knowledge and experience to take advantage of opportuni-ties. This requires (and deserves) the same level of energy, effort and skills as any work project.

The difference is the person who assigns, reviews and measures the success of ‘Project You’ is, you. You’re not accountable to anyone else but yourself – which can make it very tempting for items on your career plan to slip to the bottom of your ‘to-do’ list, not to resurface until you’re making your New Year resolutions and deciding (again) that “this year” will be the year that you “put your career first.”

It’s not too late to avoid January’s guilt trip and put some things in place before the end of the year. Here are five quick and easy-to-implement tips:

1. Write down your goals for next year (and beyond). When you see them written down it helps you validate if they are really what you want. It also allows you to prioritize what’s most important and work out the steps to achieve them.

You don’t have to share them with anyone. You don’t have to be embarrassed that they are too ambitious or too modest. They are your goals and the only person you’ll disappoint or delight is yourself.

If your goals don’t seem ‘quite right’ when you see them in black and white – that’s okay. It might mean that you need to do some more research or soul-searching about what you want. Either way, it’s much better to realize that you need to reset your goals rather than wasting time and effort on things that you thought you wanted.

2. set up two networking catch-ups for a coffee or a quick bite to eat. Is there anyone in your network that you meant to catch up with over the last few months that has fallen through the cracks? Schedule a catch-up between now and the holidays.

Networking is vital to learn new information, gain different perspec-tives and to maintain and build mutually beneficial business relation-ships. Time spent networking is not discretionary; it’s an investment in your career. Take the time to deepen or renew a relationship – you might even learn something as well. And a girl’s got to eat!

3. Learn one new thing that increases your skills or knowledge. It might be something to contribute to your career plan or to improve your performance in your current job. In 2010 have you kept up with developments in your industry? Are you up-to-date with emerging technologies? Don’t feel guilty if you think you haven’t done enough … it’s not too late! Ask questions of people you work with, find some new research on the web, follow a relevant blog or read that business book you’ve been meaning to pick up.

4. Quantify your achievements for 2010. Numbers that verify what you have achieved are demonstrable proof of the value that you have added to an organization, client or role. Get into the habit of keeping a scorecard as evidence of your success. This could be anything from the size of a budget you have successfully managed, the revenue you have brought into a company, improved customer satisfaction levels or employee opinion results. Whatever it is that you have done, know your numbers.

It’s easy to lose track over time so reflect and record your numbers for 2010. Not only will you have them to add to your resume, they might come in handy if you have an end-of-year performance review.

5. Identify a mentor to help you learn and grow during the next year. This doesn’t have to be a formal relationship. Choose an area that you need to improve on and then think of someone who can help you with this. It could be a previous manager, a colleague or someone who works in another part of your organization. Get on the phone (preferred) or send them an email (if you’re a bit shy) and offer to buy them a coffee so that you can ask them about whatever it is they know that you want to know. People love to share their expertise and most will be willing if you can communicate that you are interested in developing your knowledge and skills.

Don’t write this year off, take some simple steps to focus on you and provide yourself with the opportunity to realize your goals for next year and beyond.

Karen Adamedes is a speaker, commentator and career consultant. Her book, Hot Tips for Career Chicks, is available on Amazon.com. You can find more of Karen’s tips on her blog www.careerchicks.blogspot.com or on www.twitter.com/karenadamedes.

|www.TRITFw.com | TFW Magazine8

ConfidenceTFW readers were asked this very question, and immediately a firestorm of buzz ensued. More women responded to this survey than the combined total of all TFW surveys. TFW’s goal was to deter-mine if women were adopting a persona of confidence in the workplace when they actually were not necessarily feeling so. we asked if they would be willing to “fake it ‘til they make it,” when they did not feel 100% certain in their level of knowledge, experience and skill.

Fake it ‘til you make it? what?! Faking has such negative connotations that perhaps the word ‘faking’ should be replaced with a word that is more palatable. How about ‘acting’? Yes, actors take on the persona of the character they are playing. The better the actor’s skill, the more convincing his or her performance is for the audience. In the film Julie and Julia, Meryl Streep and Amy Adams play women who struggle with doubts about their abilities, but exuded professional confidence while continuing to perfect their craft and discover their passions. Both women bring on the confi-dence while they work towards gaining footing in their respective fields.

Dr. Lois Frankel, a pioneer in the field of business coaching, an international best-selling author, and a recognized expert in the human resource arena, suggests that women consider acting on a corporate stage. To those who are faced with oppor-tunity but short on confidence, Dr. Frankel urges to “act as if you have all the confi-dence in the world, and people will start believing you.” Not actually having the confidence you need is okay; Dr. Frankel says you can engage in behaviors that help

you appear confident, but cautions, “you have to have the goods at the core before you can act as if you have confidence in order to be believable.”

Differences Between Men & WomenDr. Frankel asserts that men are better at acting as if they are stronger by putting up a façade. women struggle with wanting to be genuine and authentic. For example, men make assertions with less data and facts. Men will even accept challenges to data that is not proven. Men will exhibit more confi-dence or more expertise than they actually have. Contrastingly, women will wait until they are sure of themselves before making an assertion, because they do not want to be challenged. women need to learn how to develop their confidence while they are taking the risk of acting as if they really are. Dr. Frankel strongly encourages women to look back at their life and their work experi-ence to gain confidence, adding, “become a perpetual learner and reader to keep your knowledge base sharp.”

Real Life Experiences CLIenT #1 applied for a CEO position for a very large, high-profile nonprofit company. The client recognized that this was a

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very truesomewhat truenot at all true

* 100% response rate

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I’m willing to take on assignments that I’m not 100% certain I can do because I know I can “fake it ‘til I make it.”

very true very true •somewhat true somewhat true •

not at all true •100% response rate

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Men are better than women at feigning confidence in situations where they’re unsure of their abilities.



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Self-confidence is more important than talent when it comes to career success.




Are you faking it?

b Y M e L I s s A C U R z o n

tremendous opportunity, one which was in the direction that she one day wanted to take. However, she was less than confi-dent in her experience to compete at such a prestigious level; she felt that she did not belong in the league.

Dr. Frankel’s advice to the client was to find her confidence by looking back to her previous experience. The client found that she legitimately possessed the skill sets to do the work. She needed to “act as if” she belonged in the running for the position by preparing and doing her homework. Apply and interview for the position “as if” you are the best candidate.

CLIenT #2 was recently promoted to the position of department manager as she was very well-liked by the hiring manager. The client was anxious in the position; she did not have the knowledge of the workings of the department. Employees were not supportive and ultimately, she and the department were not successful.

Dr. Frankel recognized that this was a foregone conclusion: this client would not be successful in her new position. She had already deteriorated the potential rela-

tionship with staff; they had detected her anxiety and found that to be a weakness in leadership. She would have been better off engaging the employees from the beginning to use their strengths to augment those she did not have. She could have rallied the employees into a team approach.

Dr Frankel cautions to not to fall into the trap of the “emperor has no clothes” fable. It is entirely possible that people will not expose you as a fraud when all the while you are losing credibility. It is damaging to your career when you don’t have the goods to back up your “fake it ‘til you make it” approach. It is important that you legiti-mately have the “goods” to back up your confidence. They may not be completely developed, but it must be just enough to “act as if” you do while you continue to learn, read and acquire the skills to build a strong foundation for confidence.

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It’s more important to be authentic than to exhibit false self-confidence.



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Self-confidence can be learned.



Results from TFW Confidence: Are you faking it? October 15, 2010 survey.

Wo

men

at

the

top

take

act

ion


TFW Magazine | FALL / wINTER 2010 11take

act

ion Leverage Year-to-Date Results to

Establish and Enhance Credibility

When’s the best time to get some buzz for your accomplishments? If you’re like most people, you probably answered during my annual performance evaluation. But in actuality, that’s the worst time. Why? Because everyone else is trying to do the same thing at the same time, which means your accomplishments will likely be diluted or worse, overlooked.

Most of you probably took inventory and made plans at the begin-ning of the year. Those plans likely took the form of an action plan – a roadmap if you will – which outlined exactly what you needed to do and when to do it in order to achieve your goals and fulfill your resolutions for the year.

But this wasn’t like most years, was it? Truth be told, you might even say it was a year of gloom-and-doom stories with continued business cutbacks, a dismal job market and a shaky economy.

Yet, despite all that, you plugged away and now it’s time to sit back and take stock of your work portfolio so that you can leverage your year-to-date results to establish and enhance your credibility.

How? Use this five-step process so you’ll be in a good position to sing your own praises now or when that next opportunity emerges.

1 Take stock of what you’ve accomplished. What were the most critical things you said you were going to accomWhat were the most critical things you said you were going to accom-plish? For the tasks you did accomplish, make sure that you capture the details while they’re fresh in your mind, including measurable results. For those you didn’t complete, make sure you have a ratio-nale for why, and then determine if it still makes sense to get them done before year-end. Make sure that your boss is in agreement, then move forward with what you can get done and do it!

2 Identify your organization’s key objectives. Know what objectives are most critical to your company’s success. Know what objectives are most critical to your company’s success. Be sure to line your accomplishments up with these objectives. You may have heard the phrase “line of sight.” Your goals and accom-plishments should have “line of sight” to the key objectives of your company. If they don’t, then you need to come up with a good reason as to why you focused your time and energy on them and be able to explain that to your higher-ups.

3 Create an action plan. Come up with a strategy to get the word out about your accomplishCome up with a strategy to get the word out about your accomplish-ments. This doesn’t have to be elaborate. It could mean something as simple as writing up a year-to-date report or meeting with your boss for a year-to-date review. But don’t limit yourself to just the low-hanging fruit. Does your company have an internal newsletter?

Perhaps there is something newsworthy that you’ve accomplished that could be featured there. What about sharing your results at your next staff or team meeting? Be sure to recognize and thank those who have supported your success. And, make sure that your mentors or sponsors know so that they can sing your praises too!

4 Implement your plan. Once you know what you want to do then do it! This is the critical Once you know what you want to do then do it! This is the critical piece. I’ll bet like most women that you’re very good at rolling up your sleeves and getting the work done. That’s great, but that in and of itself, won’t get you anywhere. For most of you, it probably feels uncomfortable to share your successes. I know! I recently received an honor and it took me over a week to put the word out on my social media sites (LinkedIn/ Facebook/ Twitter) and then I had to caveat it with the phrase, “Brag Alert!” Regardless, I still put it out there and you need to put it out there too.

5 Celebrate your success!If you’ve completed steps one through four, then it’s important that If you’ve completed steps one through four, then it’s important that you take time out to commemorate your success. This could be a lunch with close friends, work colleagues or with your boss, mentor or sponsor. Maybe you prefer to celebrate privately with your signifi-cant other or family over dinner, or by treating yourself to something special like a visit to the spa or a new suit. It doesn’t matter how you choose to celebrate, just that you do celebrate.

This five step process can go a long way to helping you feel energized and excited about the work you do. Done right, it can also help you get the recognition, the rewards and the credibility you deserve right now.

b Y R e g I n A b A R R

Follow Regina at www.twitter.com/reginabarr or connect with

her at www.linkedin.com/in/reginabarr. Contact Regina at info@

thewATTblog.com or at 651.453.1007. wATTblog.com or at 651.453.1007. w

women at the Top® is a registered trademark of Red Ladder, Inc.

All rights reserved.

Your Money Personality

Identify your inherent money tendencies with this fun abbreviated Money Personality assessment. It’s a powerful tool to enhance anyone’s use of money to their greater advantage.

Fill in the circle by the answer that best describes your natural tendencies, not what you think they should be.

1. My thoughts about spending money are:

A I believe it is okay for me to use the money I have for the things I deserve and to have some pleasures in life.

B I like to look for ways to spend my money on things that will allow me to quickly make more money.

C I make sure a portion of my money is placed into safe but high yielding investments before I think about making other purchases.

D I prefer saving a portion of my money before paying any bills.

2. My thoughts about saving money:

A Savings is okay but I need to pay off all or some bills and a make a few purchases first.

B It is good because it could allow me to take advantage of a good deal.

C I find savings okay but I think a better use of my money is to invest in mutual funds, bonds and stocks with a greater rate of return.

D I believe in saving a certain amount of the money I earn.

3. My goals about my money are:

A To have enough of it to satisfy my needs and wants for a happy life.

B To make as much of it as possible, as quickly as I can.

C To set aside enough of it at a reasonable rate of return for growth and future needs.

D To save enough so I never have to worry about running short of money.

4. My thoughts about making impulsive purchases:

A It’s okay to buy something you want that makes you feel good.

B It’s okay to buy something to show you have done well financially.

C It’s okay if it’s important and doesn’t derail my long-term investment plans.

D It’s okay to buy something if it does not affect your ability to put some money away for a rainy day.

b Y D o n R e D I n I U s


TFW Magazine | FALL / wINTER 2010

Aspender

Csaver

Bopportunist

Risk

Taker

Strategic

Risk

Avoid

er

Tactical

Dinvestor

Now add up the number of A, B, C, and D responses and place your results into the Money Personality Grid.

15

5. My thoughts about borrowing money:

A I think it’s okay to borrow money to get the things I want in my life when I need them.

B It’s okay if it will help me make more money, however, I will worry about increasing debt if profits do not materialize.

C It’s okay if the return on investment is certain and is greater than the interest rate charged on the loan.

D I try to never to borrow money; I rely on myself to have the funds in my savings account when I need them.

6. My thoughts about taking risks with my money:

A I would prefer to spend my money on something I want and can use right now rather than taking chances on some unknown investment.

B I don’t mind risking large amounts of money if there is a good chance I can come out ahead.

C I won’t invest money if it is risky or I have had not had the time to look it over.

D I prefer putting my money where I know it’s safe, even I prefer putting my money where I know it’s safe, even if it is in lower interest earning accounts.

7. My inclinations for my lifestyle:

A I prefer to have some pleasures and nice things in my life now while I can enjoy them with my friends and family.

B I prefer to have a high quality items which demonstrate that I have done well financially.

C I prefer to have a modest lifestyle if it assures my future financial needs will be met.

D I prefer and would be more comfortable saving some of my money than buying expensive items just to impress people.

8. If I inherited $25,000, my inclination would be:

A To purchase a number of things I would like to have.

B To invest it into a fantastic opportunity.

C To add it to my mutual fund or stock portfolio.

D To deposit it into my savings account.

ResultsYour primary money personality will be the type with the Your primary money personality will be the type with the highest score and your secondary type will be the second highest score and your secondary type will be the second highest score.

By knowing your Money Personality you can relate to your By knowing your Money Personality you can relate to your strengths and weaknesses for your particular situation. strengths and weaknesses for your particular situation. There are, of course, extremes for each type. For some, There are, of course, extremes for each type. For some, money “burns a hole” in their pockets and for some savers, money “burns a hole” in their pockets and for some savers, near-greed sets in. The goal is to seek a balance between near-greed sets in. The goal is to seek a balance between tactical (short-term) and strategic (long-term) tendencies. tactical (short-term) and strategic (long-term) tendencies.

For example, if your Money Personality is a strong SpenderSpenderand you have little savings, you know more about what is and you have little savings, you know more about what is driving your behavior and you can take actions to divert driving your behavior and you can take actions to divert money into savings. If you are a strong Saver, it might be , it might be prudent to spend a little more on things that bring more prudent to spend a little more on things that bring more comfort to your life. For a more in-depth assessment, comfort to your life. For a more in-depth assessment, results and information go to www.eraofsuccess.com.

Don Redinius is an expert in business and personal performance and the author of The New Era of Financial Success. Follow Redinius on twitter www.twitter.com/DonRedinius. Contact him at [email protected] or 602.354.6243 and visit www.eraofsuccess.com.

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TFW - The Round Up - Fall/Winter 2010