My Essay Blog

Do new Internet businesses really need the services of a business Coach, even if they can afford it? Being that one of my roles is as an Internet business coach I am somewhat biased and would generally answer “yes” to my own question!

Nonetheless, it is possible to effectively self coach regardless of whether you have a flesh and blood business coach or not.

While a student with the International Coach Academy, I also had a demanding full-time IT career with a major investment bank. And during my own transition from salaried employee status to that of startup Internet business owner, I used the following 5 self-coaching tips regularly.

1-Be Open To Alternative Ideas:

One potential downside of the social and peer conditioning in schools and corporate life, is that many people automatically resist even considering new ideas. Why is this? My experience suggests that these people have learned by experience not to rock the boat. If you think this looks and smells like fear of failure, you’d be absolutely right. As a solo business owner your challenge is to notice alternative ways of achieving objectives. Practically speaking, even if only a small percentage of these ideas might be useful in your business, they could still be the difference between success and failure.

2-Experience Life To The Max:

Here’s a saying I recall that brings this into focus:

“there are people worrying about what they will be doing in an eternal afterlife who have no idea how to spend a wet Sunday afternoon.”

The more richness and vitality you can find in the ordinary aspects of your everyday life, the better equipped you will be to handle the ups and downs, and yes the occasional boredom, of running and operating your own solo business. So, what are you going to enjoy doing on the next available rainy Sunday afternoon?

3-Who Needs More Accountability?:

Probably all us…based on what I have observed about effective coaching. It comes down to this. There are two primary ways I know of making real and usually lasting changes in a Business person’s life. Number 1 is raising awareness and number 2 is taking responsibility.

(Notice that I did not say taking 100% responsibility. - the degree of responsibility taken is a matter of practicalities as much as personal ownership.) As far as self coaching goes, taking more responsibility (number 2 from above) invariably ends up in applied accountability. Applied personal accountability. Choosing to compassionately but precisely observe your behavior several times a day can add up over time to a liberating feeling of accepting more accountability and all that goes with the territory. Are you up to this challenge? Just start with a basic intention of being more accountable and notice what happens over a period of weeks and months.

4-Get To the Point:

Getting to the point is in danger of becoming a lost art in a corporate world where taking responsibility is sometimes like being exposed to a highly contagious and career limiting disease! And that’s probably why it surprises many new Internet business owners when they comprehend just how many hours in their already busy business days are being expended in not getting to the point. In this arena I have again found that self coaching works well with simple acts of observation. All you have to do at the start of each activity is to ask yourself : “what’s the point of this?” Keep asking and you’ll get answers. OK, so had you a purpose in mind before reading this article? If not, get one.

5-The Art of Polite Conversation:

Internet business owners spend a lot of time glued to computer screens. However, there are people out there with whom it is probably a good idea to be able to have a polite conversation with. In person, via email, on the phone, via Skype-chat etc. Whatever, the ability to talk in a polite and respectful manner, and still get the job done, is a skill that will never age! In fact, a set of basic rules based on the art of polite conversation is probably the single best thing you can do for your own peace of mind and happiness in your Internet business. Although you can probably come up with your own way of doing this, an increasingly famous and incredibly effective method is given in Dr. Paddi Lund’s book, “Building The Happiness-Centred Business”. Go get the book out and say G’day to the Solutions Press folks who publish it!

What’s the single most important process determining whether or not your coaching business is successful?

The correct answer to this question can completely change your coaching business forever. It can change your perception of your business. It can change your focus in your business. It can change how you go about operating your business. And most importantly, it can determine the success or otherwise of your business.

We asked dozens of coaches this question and got a broad array of responses. But only 4% of them were even close to the mark! Most coaches answered: quality service; number of clients; pricing; branding; advertising copy.

…And whilst all these issues are critical, the single most important process is your marketing methodology. Whilst you must have all the other elements as well, it’s your marketing methodology that ultimately determines the success or otherwise of your business.

Let us explain…

Nearly all coaches use a marketing methodology that’s a sales-based marketing methodology. This is understandable as most traditional marketing methods teach sales-based marketing methods. We’re all impacted by sales-based marketing at every turn &ndash on TV, newspapers, magazines, billboards, radio &ndash everywhere. And when coaches research marketing methods, they are most likely to learn about traditional sales-based marketing methodologies &ndash print ads (in newspapers, yellow pages, journals, magazines etc), direct telephone calls, radio, flyers, direct mail letters, etc.

But there are several extremely powerful forces at play against coaches employing a sales-based marketing methodology…

Most coaches invariably feel uncomfortable delivering a ‘sales pitch.’ Coaches generally have better technical skills than marketing skills. They’re therefore uncomfortable talking about themselves and endorsing the quality of their product. This means they don’t close, and comes across to prospects as a general lack of confidence in themselves, and their product and service.

Sales marketing is extremely expensive &ndash narrowing your net margin on your service. The more you spend to get a client the less net profit you’ll retain at the end.

Generally people are very sceptical and defensive against sales approaches. This exponentially increases the barrier of making a sale. When you employ a sales-based marketing method, most prospects have already closed themselves off to learning about your services due to their natural tendency to put up a defence against sales-based marketing.

There is no trust and rapport built through a sales-based marketing approach. For a prospect to buy from you, there needs to be an element of trust. Your prospect needs to trust that you can deliver on your promises and that they’ll gain a positive return on their investment. This level of trust is extremely difficult to build through a sales-based marketing approach.

You build no reciprocal obligation on the prospect to investigate your offer or purchase from you. It’s a natural human tendency to reciprocate in kind what’s been given to you. You can not build reciprocal obligation through sales-based marketing.

You attract price sensitive shoppers and ‘tyre kickers’ that take up a lot of your time and result in extremely low conversion.

It’s difficult to maintain contact with prospects for long enough to build rapport and trust &ndash it generally takes 4 to 6 contacts before a prospect will buy from you.

So, we can hear you shouting “If sales-based marketing is not going to be effective, what’s my alternative to get clients?”

And the answer is… Education-based Marketing. Education-based marketing is simply the process by which you attract and convert highly-qualified clients by giving them what they want &ndash valuable information and advice that solves their problems - and removing what they don’t want, a sales pitch.

Education-based marketing is generally undertaken by delivering Credibility Marketing techniques such as public speaking, information based teleclasses, publications, networking, hotlines, free educational give aways (such as reports, assessments, tools, ecourses), etc.

As opposed to sales-based marketing, education-based marketing means…

- You give your prospect what they really want &ndash highly valuable information. And you take away what they don’t want &ndash a sales pitch.

- You maintain your dignity and feel good about yourself as you never make an effort to sell.

- Your brand recognition and respect will skyrocket! Education-based marketing is the ultimate brand builder. By positioning yourself as the ‘expert’ or ‘specialist’ by solving, through your education products, the most pressing issues your niche confronts. You become the only logical choice in your market.

- You can establish yourself as a credible authority as prospects depend on you as a reliable source of valuable advice.

- You significantly reduce your marketing costs &ndash and can in fact get paid to market yourself. This vastly compounds the net worth of every client you attract &ndash you can actually earn double the net profit with only half the clients!

- You don’t have to seek out new prospects &ndash prospects come to you (to have their problems solved).

- You can maintain (mutually beneficial) contact with your prospects through the sales process because they don’t feel pressured by a sales pitch and value your information and advice.

- You reach prospects early during the first stages of their decision making process.

- You attract ‘moderately interested’ prospects that may otherwise be afraid to call you but are not afraid to request your information.

- Due to the high level of trust and rapport built early on you’ll be perceived as an adviser, not a salesperson, making added-value sales dramatically easier.

- You dramatically increase your referrals from prospects as they feel loyal to you &ndash due to a relationship built on trust and reciprocal obligation and your efforts to help them &ndash even if they don’t hire you! And your referrals will come much earlier in your relationship.

- You gain compounded advantage as your information is passed freely between prospects within your niche.

- You gain a competitive advantage because not many competitors are using education-based marketing.

- You achieve a highly leveraged advantage as you can put forward your marketing even when you are not present.

- You save valuable time as you often are delivering your message directly to your most highly qualified target audience.

As you can see, education-based marketing is the exact opposite to sales-based marketing, and can make an extraordinary difference to your business, and your enjoyment of ‘doing’ business. So, ask yourself, “How much education-based marketing am I currently doing?” and “How can I develop a marketing plan significantly comprised of education-based marketing methodologies?”

Most Westerners think of meditation as someone sitting down, cross legged with their eyes closed and probably chanting some kind of mantra over and over again.

But that is only one of the ways that people can practice meditation.

Meditating can also be performed standing up, lying down or walking.

Today, we’re going to look at walking meditation. In this situation, the walking itself is the focus of your meditation, rather than a candle or a mantra or your breathing.

Obviously, depending on where the walking is taking place, you may also need to be aware of other external influences as well, such as joggers and cyclists.

In a walking meditation, you should concentrate on the actual experience of walking. Notice the pressure on each foot as it touches the ground and the relief of that pressure as your foot rises again. Take in the experience of the muscles in your legs. Notice when they tense up and when they relax. Feel the changes in your toes as they meet the ground. Recognize what is happening to your ankles as you walk along.

As well as the stress relief that a walking meditation naturally brings, you should also experience a feeling of energy and invigoration. Walking is a more active meditation than some other types (although breathing meditations can get pretty energetic as well, if you choose to let them). You also benefit from the exercise of walking, which is an aerobic exercise in itself. It follows that a walking meditation can be of overall benefit to your health and can even help keep you fit.

If the thought of sitting or lying down to meditate has put you off in the past, then taking the walking meditation course could be just the ticket. Give it a try and see how refreshed you feel afterwards!

Your first clue to the truth about advertising was written more than 100 years ago.

Let me tell you the story of a young, confident copywriter by the name of John E. Kennedy. Early one May evening in 1904, Kennedy, a former Canadian Mountie, sat in a New York barroom.

He sent a note upstairs to the office of A.L. Thomas, the head of the Lord and Thomas advertising agency. “I’m in the saloon downstairs,” the note began, “and I can tell you

what advertising is.

Are you immobilized by procrastination and indecision? We all know that it is impossible to steer a car that’s not moving and the same is true with your life. You simply cannot direct and steer your life if you are immobilized by procrastination and indecision. It is what prevents you from doing the very things you need to do to make progress.

This debilitating behavior, or shall I say lack of behavior, is responsible for destroying so many dreams and aspirations. Action is the proper fruit of knowledge and doing what you ‘know’ is often much harder than knowing ‘what’ to do. This is actually a very accurate description of procrastination. It is the frustrating pattern of wanting to (consciously), knowing how to, but not doing it. It is the lack of action that keeps you from moving forward and making progress. Frustration sets in when you know you can do something, but still you don’t, and this frustration can easily turn into anger, a loss of self confidence and even depression.

If you are the kind of person who’s actively improving and developing yourself, then there’s usually a gap between where you are and where you want to be. The only way to close this gap is to take action; to act on your desire for change and self improvement. For this very reason you simply cannot afford to be stuck in procrastination. You must take action and liberate yourself from the disempowering effects of procrastination.

Procrastination is not so much a behavior as it is a way of thinking. The real problem is with your psychology and not with your behavior - the behavior is only the symptom. To liberate yourself from procrastination you must liberate yourself from the inside. It’s an internal shift that’s necessary and once you make the internal shift, it will automatically spill over into your actions. Here are three powerful procrastination tips that will help you liberate yourself from its immobilizing effects.

1. Detach Yourself From Your Behavior.

Realize that you are not your behavior. As soon as you start identifying with a behavior you become it. Just because you procrastinate at times does not make you a procrastinator &ndash unless you believe it. One of the strongest forces within the human personality is for your behavior to be consistent with your self concept. Once you believe that you are a ‘procrastinator’ all your actions will be filtered through this belief. Since all beliefs are self-reinforcing you will only strengthen this belief with your (in)action.

Instead, you must start by building a positive self image and develop empowering beliefs. Choose different ways of defining yourself and forget about what you’ve done up until now. This is a fresh moment and you can change everything around, right now, by changing your beliefs about yourself.

2. You Don’t Have To Get It Perfect - You Just Have To Get It Started

One of the major causes for procrastination is this notion of wanting to get everything perfect. For some it even goes as far as waiting for the ‘perfect time’ before they take action. Underneath this need to get things perfect lies the fear of failure and how your results will reflect on you. See, when you do nothing, nobody can judge or criticize you. Right? Wrong!

If you do nothing you will get nowhere. This universe is one that is driven by action. There are NO rewards for inaction. Only frustration and a longing for something that you know you can achieve, ‘if only you do it’. Instead of making perfection your goal, you should make ‘starting’ your goal. As you do this and practice it you will soon discover the real secret: once you start, you build momentum and you end up doing much more than you ever intended to do when you set out to just get it started.

Perfection does not exist. Don’t be misguided by the illusion that you have to get it perfect. It’s a weak excuse and one that will keep you immobilized. Liberate yourself and strive for a ‘poor’ result &ndash that way you cannot be disappointed!

3. Change Your Perception

One of the most profound teachings that have its roots in eastern philosophy, is that when you change the way you look at things, things change. This idea can free you from virtually anything that might be holding you down. All of life relies on perception. What you ‘take in’ with your senses are nothing but a vast array of sounds, colors, shapes, images and smells. None of it has any meaning in itself. You are the one that can give it meaning, and you are the one that gets to decide how you interpret this information.

Procrastination is nothing but a way of evaluating something and assigning a meaning to it that keeps you from taking action. At some level, mostly subconscious, you believe that taking action will be more painful than not taking action and by design; you will prevent yourself from taking action.

This is one of the most powerful procrastination tips and you can liberate yourself by starting to change the way you look at the things that you are procrastinating about. Ask yourself ‘what else can this mean’ and instead of saying that you ‘have to do it’ &ndash say that you ‘choose to do it’. The difference is subtle, but significant. Change the way you look at things and the things will change.

These three procrastination tips are by no means the begin all and end all of overcoming procrastination, but it will most certainly help to liberate you from being immobilized by procrastination and indecision.

Of all the things that go towards shaping our destiny, it is our belief in our own abilities which has the greatest influence. Our level of self belief determines whether we succeed or fail to achieve our dreams and ambitions. As Henry Ford said “If you think you can, you’re right. If you think you can’t, you’re right.”

I was watching a program on the Biography Channel the other day which illustrated the truth of Henry Ford’s words and highlighted the importance of self-belief. The subject of this program dropped out of the educational system without a degree, in fact, he quit school before he even reached college age and left school with woefully inadequate qualifications. The reason for this academic failure was a combination of dyslexia and general lack of interest in school work.

Sadly, the lack of academic achievement was accompanied by a complete lack of prowess on the sports field. To top it all off, as well as being a dunce and a sporting failure, the poor kid was not even good looking. He did not have rich parents to give him financial support . His parents were not business owners, so there was no chance of a career via nepotism. He had no obvious skills or talent, so a career as an artist or musician was not an option.

This sounded like the stereotypical beginning for a person who will at best survive by taking low-paid employment and, at worst, will drift into a life of crime as a way of snatching what he is incapable of earning. His school headmaster is credited with saying on his premature departure from the education system, ‘I feel sure you will either end up in prison or become a millionaire’. To entertain the idea that this person had any prospect of becoming a millionaire, you would have to know his character. We can only see the external disadvantages, the headmaster was aware of the strength of character and depth of self belief existing within this person. That self-belief more than made up for any lack of education and academic qualifications.

One thing the prospective jailbird/millionaire had was the ability to spot a niche for a new business. No, this is not a story of luck bringing an instant rags to riches transformation. Unfortunately his first two business ventures failed miserably. Did this set him on a path of serial business failures? Not at all, the failures probably taught him valuable lessons. He started the first business at the age of seven, so the chances of real success were pretty remote! The fact that he had sufficient self-belief to start his first business before he even reached his teenage years gives us a clue as to his character.

The condensed version of the rest of this biography is that the “hero” of the story built a successful business before he reached his twenties, was a millionaire by the age of 25 and was the owner of a Caribbean island before he was thirty. He did not stop working then, he went on from flamboyant success to even bigger flamboyant success, setting records and achieving the apparently impossible.

The subject of the TV program was Sir Richard Branson who is, at the time of writing, a billionaire several times over. He has attributed his success to hard work, belief in his business ventures and a willingness to take risks. These risks have included the well publicised (and life threatening) hot-air balloon journeys, starting a business on borrowed capital and taking risks in business where the potential losses were huge.

It is self-belief which made it possible to take those risks. Without belief in himself, Richard Branson would not have dared to borrow the money to start his first business as a magazine publisher after leaving school. Without self-belief the balloon challenges would not have been contemplated. Without self-belief the ambition to own an airline would have remained just a dream.

“It’s lack of faith that makes people afraid of meeting challenges, and I believe in myself”. Those words were said by Muhammad Ali but they sum up the essence of what makes any person able to reach his goals in life. We must learn to sow and cultivate self-belief if we wish to achieve the harvest of our dreams.

People we meet and have to see on a regular basis can have a negative affect on your life and self-confidence, but only if you let them. I am a person who would get dragged down by any negative comment made from a friend or by my boss for example. This article is about how to deal with these situations and how to not let these people and their comments make you feel like a second class citizen.

A few years ago I met a client(Ian) who described a similar scenario to me. He had been very successful in business and had reached the level of director in the company where he worked. We were discussing this very subject and he admitted that he had an over-aggressive boss who I think was the chairman of the company. I can not remember the chairmans name, however for the purpose of this article I will call him John.

Ian thought that John played a kind of business game, where he wanted to be seen as the boss and where he wanted everyone to be scared of him.

This was the situation Ian described to me. John would e-mail him in the morning with a question asking why the north-west of the country had not been as profitable in the last quarter compared to its usual levels. He would ask Ian to meet him in the afternoon to discuss his findings. Ian would then contact his line managers and would then write a report before attending the meeting with the chairman.

Ian was a person who had a slight speech impediment, a stutter. He would be able to talk fluently most of the time, however if he felt nervous or if he felt under pressure, he would then start having problems getting his words out and would stutter. Ian also had words he thought of as difficult and would often avoid these type of words. He was very careful when writing his report only to include words he felt confident he would be able to say.

In the afternoon who would go and meet John and present his report to him. He stated that he would have no problem with his speech at this stage and that the presentation would be delivered smoothly and fluently.

On hearing the report, John would not make any comment and would instead basically just stare at Ian, slowly nodding his head up and down at the same time. Ian described this as making him feel very uncomfortable and was just praying for the silence to end and for his chairman to say something. The words from the chairman would not come and so to break the silence Ian would then continue speaking giving more reasons which were probably not correct and that were certainly not planned. These words were also not spoken fluently but with Ian struggling and stuttering.

I had a little think about what Ian had told me and felt angry at John.

I eventually came up with a suggestion. I advised Ian to end his presentation with a question, for example, this is what I believe are the reasons, however I would value your opinion as chairman of the company.

He can then nod and stare for as long as he likes, it is his turn to talk next and Ian can sit there comfortably and just be patient.

It is very important that we do not let people like John drag us down. It is time to be strong and to stand up to these people.

I recently made a commitment to a 21-day community phone-based meditation. I was a little concerned about making this commitment as the call was at 7am - a bit early for me. But I was excited about the meditation I’d experienced and was looking forward to joining the meditation community that was being created.

So I jumped right in and began my 6:30am wake up time and 7am meditation. What I quickly remembered was that this was one of the things that I *hated* about working in the corporate world - alarm clocks! But I was committed and I was enjoying the meditation. At day 9 though - I hit a wall!!

I woke up that morning tired, grouchy, resentful and pissed off at having made a commitment I wasn’t sure I could keep. I had no idea what to do about it but I had a plan formulating in my brain. The only problem was it felt like I was breaking my commitment. I felt icky.

My brain started off saying what I couldn’t do and I focused on the “No’s”. The further I went down this path the more I felt like I was dropping out of my commitment. Finally I was asked one simple question: “What can you say ‘Yes!’ to?” I felt like a light bulb had gone off in my head. It was such a simple shift!

So much of my life and work is about asking that simple question - “What can I say ‘Yes’ to?” It changed the whole feeling around this meditation. I wasn’t breaking my commitment I was just saying the parts that worked for me. When it came right down to there was only one part that I couldn’t say ‘Yes!’ to - the 7am phone call. But I had an alternative and I was ready and willing to use it! Everyone involved was excited to hear my plan and fully supportive too!

The next day I woke up feeling refreshed and excited about my alternative plan and I used it for the best meditation yet! Saying ‘Yes!’ instead of ‘No!’ had shifted my entire energy around the project and I was ready to continue.

When struggling with details and solutions I find it usually most helpful to focus on what I want or need and what I’m willing to do. This time around I just needed a little outside perspective to shake things up a bit and make sure that was my view.

So how do you say ‘Yes’ instead of ‘No’? The simplest way to start is quite simply to listen to you body - is it energized or depleted? Now take that observation and switch it around if necessary - ask what would energize you. You might even seek some outside support or perspective to help you see the big picture. From there it’s as simple as finding out which parts make you shout ‘YES!!’

Then…well…say ’Yes!’ and proceed with the plan.

When looking to ease the burdens of interest you are currently paying, you may want to consider refinancing your home. However, you must also recognize and be aware of all the costs associated with refinancing. When you are looking to refinance your home, you should think of it as starting from square one. This simply means that refinancing costs will be very similar to those of the original loan. All inspections, appraisals and loan applications will still need to take place.

There are a variety of things that will determine the overall refinancing cost. First, take into consideration:

• The amount of time you have lived in your home: This will be essential when lenders look into your past payment record, as well as your ability to stay current with your payments. Some lenders will place guidelines on how long you must live in the home before you can refinance.

• The current balance on your mortgage: Generally speaking, the more you owe on your current loan, the higher your refinance costs will be. This is because of penalties, fees and interest amounts

• Your home’s current market value: When determining your refinancing costs, this is a key element. Values tend to change rapidly and could possibly be much lower or much higher than the original purchase price.

After going through your current loan status, you will then need to pay any costs that are associated with the initial home buying process. Some of these fees and costs include:

• Fee for appraisal: $250-$600

• Fee for loan application: $75-$300

• Fees for land survey: $124-$300

• Fees for attorneys: $75-$200

• Insurance and title search: $400-$600

• Home Inspection: $175-$350

Additional costs that may be included in a refinance are:

• Fines and Penalties for early payoff: A majority of mortgag companies will set up a fee for if you pay off your mortgage early. This will be your responsibility and must be taken care of before going any further in the process

• Remaining Balance Costs: Since some mortgage companies will not pay off your interest amounts, you must then add it to your refinance costs.

• Homeowners Insurance: If you want to add your homeowners insurance to your monthly payment, it will generally become part of your refinance cost. However, if you pay your insurance annually, then it will remain separately.

When looking into refinancing, one thing to keep in mind is that the individual situation will determine the final refinancing costs. Lenders and the market will have different policies and unique fees in place. Although most people find it is well worth it to refinance, some realize they do not have the money needed for up front costs. Regardless, it is essential that you investigate all of your options thoroughly before signing any legal documents.

Professional Organizer’s are becoming increasingly popular, for a very good reason.

The past decade has seen life become increasingly sophisticated yet far less labor intensive for most of us. If you want to get and stay ahead, make use of professional organizer services, or what I call ‘efficiency services’.

We outsource more and more tasks in our home to other companies just as if our home life was a business. A few of the efficiency services that you probably use include: Delivery services, car wash, launderette, various home maintenance, etc.

Now more of us can afford for those chores to be taken care of by others, what is there left for us to do? How can we use our money to maximize the opportunity of our time? That is where professional organizers come in.

Imagine what a professional organizer working for you could do for you personal organization. Everything comes from organization. As a professional organizer I consult with many people to organize everything in their life, organize goals, organize home, organize time, etc. I have chosen three core tips to help you choose a professional organizer that is suitable for you personally.

This may seem strange but I believe the skill of listening is one of the most important that a good professional organizer can have. If the professional organizer can not fully and completely listen to everything you are about and where you are coming from they will never be able to take you to a level of personal organization that satisfies you.

Choosing a professional organizer can be a cause for anxiety itself, which defeats the point of organization services. So here are some key insider tips from a professional organizer, on how you can choose a good professional organizer for your own style and way of doing things.

Make a list of 10 or so professional organizers by doing a search online or in a phone directory. Contact them by phone or email and let them know you are contacting 9 others to find one suitable for you. This lets them know they can not ‘hard sell’ you.

Take a look at their website, read some of their articles, and read their reply email or hear them out by phone. Tell them you still have the others to contact before making your decision. A good professional organizer will approve of your organized approach.

On your check list you need to score them on ‘How good they listen to you and hear you out’. ‘How interesting and thoughtful they’re products and articles are’. ‘How they’re email response made you feel about them’.

Those three factors alone will give you enough to be able to at least make a short list and might allow you to choose a professional organizer in no time at all.

In modern life I believe time becomes so precious to the potential of opportunities and experiences life has to offer. Using a professional organizer will allow you to maximize the life opportunities you can take advantage of.