Month: August 2016

Debt and financial independence

Hey~

How are you today?

Bad Debt 

So, how many of you owe money in “bad” debt such as credit card debt? Owing money for any purpose other than for the purchase of a home is not healthy for your financial well being. It is vital for your financial well being to get all that bad debt behind you.

Paying the minimum is not the answer

Some people think that paying the minimum on debt is good. The idea is that they will put some toward the debt and put some in the bank. You know the old one for you and one for me concept. But that is not quite right. Only paying the minimum takes too long.

Get that debt behind you as fast as possible. It is not as hard as you may think. The faster you pay off debt the faster you can build up your assets.

Change debt to assets

A key action is to eliminate debt and at the same time invest in assets. In other words, you pay yourself as much as you pay off your debt. When you have a lot of bad debt, you don’t have money for investing in you. Your debt is in control. You need to be in control of debt.

Money management is fun.

Often, people avoid dealing with their finances because they think of it as a chore. Well, I think it is fun. And with a little help, you too can think it is fun.

Freedom to do what you want and ability to earn more

When you get your finances under control, you have more time to do the things you enjoy and more time to generate more if that is what you want.

My story

Many years ago I was unemployed. I charged up $9,000 on what I thought was a good business opportunity. It wasn’t. I tried to get help, but I was told that I was out of luck. The man who could not help me said, “That will take 20 years to pay that off.” Yikes! That was a burden I did not want for 20 years. So, what did I do? I put every dime I could spare into paying off that debt. And, even unemployed, I had that paid off in less than a year.

So, it is not impossible. You can get out of debt. You can do it quickly with effort. If I did that while unemployed, what is your excuse?

FIT: Financial Independence Training

What ever your financial situation and goals are, you can meet them. All you need is analysis and a plan and commitment to action.

If you would like help, let me know.

www.facebook.com/lisaylifecoach

Yeah!

Smile for me.

Lisa Y coaching.

Understanding Depression.

Hey how are you? Well maybe not too well if you are reading a post about depression. But let’s see what I can do about that.

This is for those who have depression  and for those who know someone who is depressed and wants to understand better.

Bad attitude or something else?

Depression is a difficult thing. Some people think someone who is depressed just has a bad attitude. Many people think that if they would just think positively, they would be just fine. Many people think that if they just smile they would feel better. Many people think they just need to get their mind off of “it” and go have a good time it would help. Many people think people who are depressed are negative people who dwell on the hard times, and they need to see all the good in their life.

Well, some of that may be true sometimes. But depression is a complicated thing. There may be chemical imbalances that make it hard for some people to think clearly and have a tendency for depression. It could be that someone is alone and they do not know how to get past some life troubles. It could be that they made a big mistake, and are stuck in a long term jam which only time can remedy. That can be very hard to handle because they feel doomed. Sometimes things happen and people are stuck. For those of you who think no problem is not solvable, trust me, sometimes you can not get out of a problem.

Being depressed

What is it like to be depressed? It is hard. The world seems so overwhelming. You feel so alone. It is hard to think straight. You want to escape. As a dog chases it’s tail, you feel you are chasing the world. You feel you are doing all the right things, but just can’t quite get it. And you know that no one likes to be around a sad sack, and you know that you are wearing out your welcome with family and friends. That just adds fuel to the fire. Now, you feel worse.

And yet you get used to it. Sometimes people are so depressed it becomes a comfort zone. Strange as it sounds, sometimes while depressed, you actually like being depressed. That may not make any sense. Who would like to be depressed, right? Well, it is true. (There is an answer for that by the way.)

So, you may think it is an attitude problem. Maybe it is. Depression is  filling a need. So, there is a remedy. But there may be more to it also. If the depression is from a situation out of your control, then it is not easily fixed, is it? In this case, the best you can have is a shoulder to lean on. You need someone who will not leave you, and who will stand by your side to the end. Not feeling alone can do wonders. And the remedy mentioned above, can help. If your situation needs time to work itself out, the remedy can’t fix it, but it can make it more bearable.

Helping someone with depression

Do you know someone with depression? Are they driving you crazy? Do you ever just want to say “get over it”. Do you think we all have problems? Do you think I don’t want to listen to them anymore? I don’t blame you. Having someone always complain is annoying, isn’t it?

What to do? Well, please don’t walk away. Please do not turn your back on them. They are human beings who hurt. But if being with them is getting to be too much help them to get help.

If the depression is something that can be removed from their life by filling the need in a positive way, a good transformational coach can help with that and get them on a positive path.

If it is a problem that is out of their control, and something that will take time to work out, a life coach can be that shoulder to lean on, that person to hold their hand so they do not feel alone.

I understand.

I understand. I have done depression. I have experienced both types. I have experienced the depression which is filling a need in a hurtful way. I have also experienced the long term sort. I have been in situations that only time could mend.

Why am I telling you? To let you know that I understand. I have been there. Just as it sometimes take a recovering alcoholic to help an alcoholic I think the best person to help someone with depression is someone who has been there.

If you need help with depression, who can help you better someone who understands it through personal experience or someone who has not experienced it?

NEVER BE ALONE.

If you need a friend, a confidant, and you have no where else to turn find a coach. I don’t care if it is I or someone else, but don’t be alone. All coaches love to help people. There isn’t a coach out there who does not want to help others have a better life.

Want help?

Message me: Lisa at www.facebook.com/lisaylifecoach

I know it isn’t easy, but smile for me!

Yeah!

Lisa Y coaching

Fun stuff August 30

Hey~

How are you?

Word of the day

quietude: (noun) A state of peace and quiet.

Day in history

The Battle of Tannenberg Ends (1914)

The Battle of Tannenberg was a decisive engagement between Russian and German forces in WWI. After invading German East Prussia, the Russian First and Second armies became separated. German forces then attacked one of the isolated armies and forced its retreat, killing and capturing tens of thousands in the process. Though disastrous for Russia,the battle forced Germany to divert troops from the Western Front during the first critical weeks of the war.

Today’s Birthday

Nancy Wake (1912)

Wake, who lived to the age of 98, was one of World War II’s most decorated servicewomen.A New Zealand native, she left home at 16 and eventually settled in Paris. When the Germans occupied France, Wake joined the resistance. Pursued by the Gestapo, she fled to Britain, where she joined the Special Operations Executive. In 1944, she parachuted back into France to help establish communications between the British military and French Resistance.

Quote

Art…is merely the refuge which the ingenious have invented, when they were supplied with food and women, to escape the tediousness of life.

W. Somerset Maugham (1874-1965)

Trivia

  1. What was the first electronic general purpose computer?
  2. What was Michael Jackson’s 1st solo album as an adult?
  3. By area, what is the smallest ocean?

Tuesday’s contest

Tell an embarrassing thing that happened to you.

www.facebook.com/lisaylifecoach

Yeah!

Smile for me.

lisa y coaching

Silence!

You have the right to remain silent!

No, you aren’t under arrest.

Intentional Silence

Keeping your mouth shut when you feel you should say something because you think it is expected of you. Sometimes we think we have to say something. We owe it to someone to respond. There are certain societal expectations. You are expected to answer your phone. You are expected to answer the door. You are expected to respond to accusations. But I am here to tell you that you have the right to remain silent.

Say nothing.

If someone asks you a question or makes a demand on you, and you don’t want to answer or give in to their demands, you don’t have to do it.

You don’t have to answer to anyone.

You don’t have to explain yourself.

You don’t have to acknowledge anyone.

Won’t people think I am rude? Who cares?

Isn’t it impolite to ignore people? Where is the rule?

Won’t people hate me if refuse to answer them? So what?

Against our culture.

Yes, intentional silence goes against our culture. But if you are feeling attacked, this is a great method of self defense. It gives you self control. Other people don’t know how to react. If you remain silent, they won’t know what to do as they, like all of us, have been conditioned to respond. If you don’t respond, they will feel threatened and insecure. This is a sure way to calm down even the greatest confrontations.

Stare and glare.

A great way to support silence is to either stare or glare with your silence. To stare is to simply blank, emotionless expression. With the glare, you add a sneer which says you are annoyed. Silence, sneer, glare all say you disapprove.

When to be silent

Any verbal attack is an opportunity for the silent treatment. If someone is verbally attacking you, and you want to keep the situation under control, this is a good time for silence.

It is especially good for criticism, invalidation and hostile remarks.

Yeah!

Smile for me!

Lisa Y coaching

Tell me about using intentional silence. www.facebook.com/lisaylifecoach

Fun stuff for August 29th

Hey there! How are you? Wow, it is the last Monday in August already! Can you believe it?

Here is the fun stuff stuff for today. I hope you like it.

Word of the Day

lentigo: noun) A small, flat, pigmented spot on the skin.

Day in History

US Air Force Nuclear Weapons Incident (2007)

In 2007, six cruise missiles with nuclear warheads were mistakenly loaded onto a US Air Force bomber and transported from Minot Air Force Base in North Dakota to Barksdale Air Force Base in Louisiana without the knowledge the flight crew. A military investigation of the incident found that a number of procedures for handling nuclear weapons had been carried out improperly by numerous service members. Disciplinary actions were taken against many officers. 

Today’s Birthday

Ingrid Bergman (1915)

Bergman was a Swedish actress who specialized in portrayals of strong,sophisticated women. Her radiance and unaffected charm made her a star in films such as Casablanca, Gaslight, and Alfred Hitchcock’s Notorious.A scandal caused by her affair with director Roberto Rossellini kept her off the US screen for seven years and forced her to return to Europe until 1956, when she made her successful Hollywood comeback in Anastasia

Quote

Having learned the trick of beating and loving and suffering, the poor faithful heart persisted,although it lived on memories and carried on its sentimental operations mostly in secret.

Kate Wiggin (1856-1923)

Trivia Questions

 1. The Dingo is a free ranging dog found mainly in what country?

2. The author of the book “A Brief History in Time” was who?

3. The lowest point on dry land is where?

Monday’s Contest

It is Monday. Some people hate Mondays. Tell me what you hate, and anything goes.

www.facebook.com/lisaylifecoach

Yeah! Smile for me!

Lisa Y. coaching

Fun stuff for Friday August 26

Hey~

It’s Friday! For someone who works every day, it does not mean much, but I hope you enjoy it. Here is today’s fun stuff.

Word of the day

annulus

Definition: (noun) A toroidal shape.
Synonyms: doughnut, anchor ring, halo, ring
Usage:

He was reclining on the red couch, blowing annuli ofsmoke that would slowly ascend and disappear into wisps

Day in History

National Assembly of Quebec Adopts the Charter of the French Language (1977)

In 1976, the Parti Québécois, a party of French-Canadian nationalists formed in 1970, won control of the provincial parliament. Among its first acts was the passage of Lacharte de la langue française—the Charter of the French Language. Also known as Bill 101, the controversial legislation made French the official language of Quebec and prohibited the use of English on signs and in most commercial transactions.

Today’s Birthday

Robert Walpole, First Earl of Orford (1676)

Walpole was an English statesman. Elected to the House of Commons in 1701, he later served as secretary of war. With the accession of George I, he rose rapidly to become first lord of the treasury and chancellor of the exchequer. With his consolidation of power, he effectively became the first British prime minister. He avoided foreign entanglement and kept England neutral until 1739, when he was forced into the War of Jenkins’ Ear against Spain

Quote

Contempt is that which putteth an edge upon anger, as much or more than the hurt itself.

Francis Bacon (1561-1

Trivia

  1. One kilobyte is equal to how many bytes?
  2. Who is the 5th Beatle?
  3. What is the largest desert in the world?

Contest

Tell me about unreasonable boss requests or a mean person.

www.facebook.com/lisaylifecoach

Lisa Y. life coaching

Yeah!

Smile for me.

Fun stuff, August 25

Hey~

Here is the fun stuff for today.

Word of the Day

inglenook:

(noun) A nook or corner beside an open fireplace.

Day in History

WWII: The Liberation of Paris (1944)

The Liberation of Paris is considered the last battle of the Normandy Campaign to free France from German occupation. In July,about a month after the Allied invasions of southern France and Normandy, Allied ground troops finally broke out of the beachheads and began a rapid advance across northern France.With help from the French resistance, Free French and US forces and liberated Paris in August.

Birthday

Althea Gibson (1927)

Gibson, a US tennis player, was the first African-American woman to compete on the world tennis tour. Though tennis had essentially been segregated until that time,she was finally given an opportunity to play at the US Championships in 1950. Having broken the color barrier, she went on to become the first black person to win Wimbledon. She was inducted into the International Tennis Hall of Fame in 1971

Quote

Character is not cut in marble—it is not something solid and unalterable. It is something living and changing, and may become diseased as our bodies do.

George Eliot (1819-1880

 Trivia

  1. Edward Teach was an English pirate other wise known as what?
  2. First music video on MTV was what?
  3.  Lemurs are native to what island nation?

Contest

Tell me about either a strange family tradition or a funny/odd family rule you had as a kid.

www.facebook.com/lisaylifecoach

Yeah!

Smile for me1

Lisa Y coaching

Make a Pearl

Hey~

Pearls come from irritation

Pearls are created through irritation. Think about that for a moment. Something very valuable came from an irritation.

What irritates you?

What irritates you? If there is something that really irritates you, are you paying attention? Do you ask yourself why that irritates you so much? Because being very irritated from something is a huge message.

Motivation to act

I don’t know about you, but when I get irritated, I get motivated to act. I can’t sit still. I have to do something. I have to act. I have to respond to calm that irritation.

I suggest you do the same. When you become irritated, first ask why am I irritated? Then respond. Act. Being  irritated is the universe telling you something is not in sync for you. Something is very out of balance.

Make a Pearl

So, take that irritation, and turn it in to something beautiful. Turn it in to something valuable. Tell me how you did.

www.facebook.com/lisaylifecoach

Lisa Y coaching

Smile for me.

Yeah!

Self-examination

Hey~

Self-examination

So, how many of you have had a medical symptom and looked it up online only to discover that you had some rare deadly disease? OK well, maybe not deadly, but you self- diagnosed and your symptoms could be any of a number of ailments.

Self help books

With that in mind, should you self- examine your inability to change? No. If you can’t self-diagnose medical issues, what makes you think you can self-diagnose other issues?

One of the worst things you can do

Self-examination is one of the worst things you can do. Hundreds of thousands of persons damn themselves daily for indulging in self-analysis.

You do know the answer

It is a general belief among life coaches that you do have the answer. You and only you know what the answer is to any question you have. Self-analysis needs experienced guidance. You need someone to ask the proper questions to help you come up with the answers.

Self conviction

If you come up with the wrong diagnosis, you can do more harm than good. The wrong conclusion is a trip to hell. We are hampered by conventional education, conservative theories, public prejudice, self-ignorance.

Experienced guidance

Want change? Want motivation? When you get experienced guidance, you will figure out what “makes you tick”. That realization is a life changer. It is exciting. You will smile and nod and think yep, that’s it. Then you will have  new excitement for life. That translates into motivation.

Real change

So, the question is do you want to change or read about how to change? How many of you have studied a self-help book for a week or so, and have neither figured out “what makes you tick” nor how to change to fulfill your needs in a positive manner. Does the book make it seem hard? Does the book say you can with a lot of work? If so, that person is making it so much harder than it needs to be. That person is not talking to you. That person is applying their remedy to a general audience. Sure, self-help books can bring hope, but more often than not it is short lived. It is sort of like starting a new diet. You do well at first, then feel deprived and stop the diet. Then you feel bad because you stopped.

What’s your problem?

Tell me about it. www.facebook.com/lisaylifecoach

Yeah!

Smile for me!

Lisa Y coaching.

It Happens

Hey~

So, It happens.

And when it does, you need to be ready for it. Be prepared. 

The Real World

When I was a younger, before I got into the “real” world, I had no idea the challenges you face as an adult. Until you get on your own, you don’t really understand the ups and downs of life. You don’t necessarily think life is smooth sailing all the time, but you don’t really understand that something comes up all the time. You also don’t understand that you need to be ready. It happens.

Ready for the unexpected

So, you can’t be ready for some unknown event. Well, you can be ready in some ways. You can have emergency food, water and batteries for a natural disaster like a tornado. But what else can you do?

Well, you need an emergency fund. In this day and age you should have access to no less than $1000. A credit card is fine. But some extra emergency cash is ideal.

You should also keep good records. You never know when you may need to refer to information in a legal matter. As a young woman, I never would have thought I would be involved in legal issues, but you can be very easily.

On this same line of thinking, always be well informed on the things in your life. Understand your lease or your mortgage. Know your rights. Understand your insurance.

These are just a few examples. It happens. 

Expect the unexpected

The point is that one minute you may be getting to the end of a month, and think hey this month is going really well, and the next thing you know the car needs $1200 worth of repairs. The refrigerator dies with a lot of food in it. You lose your job. Your grand father dies. Or? And now just when you think you will get ahead, you have a set back. It happens. 

Life

We used to say life is a magazine, it costs a dollar and you only have 10 cents, and that’s life. It happens.

T shirts

For fun, I am  selling “It Happens” shirts. If you want to join the fun, go to www.teespring.com/it-happens to get yours today. Proceeds will go to the local animal shelter and foster care for animals.

It happened

It happened and you don’t know what to do? Or you are having a difficult time, and want help getting through it? Let me know. That is what I am here for. Tell me what happened.

www.facebook.com/lisaylifecoach.

Yeah!

lisa y coaching