Disclaimer: at this point in time, I don’t have to worry about how much my tax burden will be when I go over $250K in gross income. I want to earn that much, but don’t yet. In thinking about it, though, maybe I don’t want to. Why should I if it’s just going to get taken away by Obama & Co.?

That dilemma is the subject of a Wall Street Journal Online article today: Jonathan Clements Says the Bonus Tax Creates a Disincentive to Work.

A snippet:

That would be me. Once my total income hits $250,000 for the current calendar year, I will have no incentive to work a single day more in 2009. After all, for every extra dollar of income I earn above $250,000, I will lose 90 cents of the bonus I received earlier this year.

Being somewhat knowledgeable about personal finance, I’m trying to figure out how to finagle this. By minimizing my investment income in 2009 and pushing other income into 2010, I reckon I can delay the day of tax reckoning. But even with that finagling, by mid-October, I will hit $250,000 in total income — and have no incentive to earn any more income in 2009.

At that point, I plan to ask Citi for an unpaid sabbatical. Forget earning more income. There’s no point. Instead, you will find me hunkered down at home, desperately trying not to spend money. This will make entire financial sense for the Clements household. What about the struggling economy? Not so much.

Some of you cheer using the tax code to punish achievement. Not that you use that as the reasoning – the reasoning is to ‘spread the wealth’. As if someone who doesn’t earn it deserves a sizeable chunk of what *I* earn.

What if the wealthy people, the high earners that you steal this money from, decide that it isn’t worth it any more? Then where are you?

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Following is the contents of Chapter 17 of The Science of Getting Rich, by Wallace D. Wattles. Through the course of the book, Wattles develops and amplifies on these statements and considers them to be the essential points that anyone practicing the art of conscious creation must master. Without further ado:

There is a thinking stuff from which all things are made, and which, in its original state, permeates, penetrates, and fills the interspaces of the universe.

A thought in this substance produces the thing that is imaged by the thought.

Man can form things in his thought, and by impressing his thought upon formless substance can cause the thing he thinks about to be created.

In order to do this, man must pass from the competitive to the creative mind; otherwise he cannot be in harmony with the Formless Intelligence, which is always creative and never competitive in spirit.

Man may come into full harmony with the Formless Substance by entertaining a lively and sincere gratitude for the blessings it bestows upon him. Gratitude unifies the mind of man with the intelligence of Substance, so that man’s thoughts are received by the Formless. Man can remain upon the creative plane only by uniting himself with the Formless Intelligence through a deep and continuous feeling of gratitude.

Man must form a clear and definite mental image of the things he wishes to have, to do, or to become; and he must hold this mental image in his thoughts, while being deeply grateful to the Supreme that all his desires are granted to him. The man who wishes to get rich must spend his leisure hours in contemplating his Vision, and in earnest thanksgiving that the reality is being given to him. Too much stress cannot be laid on the importance of frequent contemplation of the mental image, coupled with unwavering faith and devout gratitude. This is the process by which the impression is given to the Formless, and the creative forces set in motion.

The creative energy works through the established channels of natural growth, and of the industrial and social order. All that is included in his mental image will surely be brought to the man who follows the instructions given above, and whose faith does not waver. What he wants will come to him through the ways of established trade and commerce.

In order to receive his own when it shall come to him, man must be active; and this activity can only consist in more than filling his present place. He must keep in mind the Purpose to get rich through the realization of his mental image. And he must do, every day, all that can be done that day, taking care to do each act in a successful manner. He must give to every man a use value in excess of the cash value he receives, so that each transaction makes for more life; and he must so hold the Advancing Thought that the impression of increase will be communicated to all with whom he comes in contact.

The men and women who practice the foregoing instructions will certainly get rich; and the riches they receive will be in exact proportion to the definiteness of their vision, the fixity of their purpose, the steadiness of their faith, and the depth of their gratitude.

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Those of us who know the basics of the Law of Attraction know that “thoughts become things”. So we embark on our life-changing journey, excited about the wonderful way life will be. Some people have more success at it than others. Those people keep building on what they’ve learned, attracting more of what they want, expanding the horizons of their imagination and belief, seemingly growing by leaps and bounds.

Then there are the rest of us.

‘The rest of us’ is, by most accounts, a rather large group. We’re not in the ‘non-believer’ group, but we just haven’t, for whatever reasons, been able to consciously create our lives as well as we would like to.

So the question is, “Why not?” Thankfully, we have kept the faith in the Law–we know it works. We haven’t become members of the group that say, “This stuff doesn’t work.” We haven’t given up. But what to do?

My answer? Study, examine what you’re doing, how you’re thinking, adjust, do it again. The basic Ultimate Success Formula. Realize that just because it’s not working like you think it should, you’re not a failure. You haven’t bombed the course. You get as many do-overs as you need.

For my part, here are the mistakes I’ve made in the wealth-attraction arena. Maybe you can learn from them to make your journey a little less curvy than mine.

So, like I have, do you make these mistakes in attracting wealth?

Mistake #1: Closing the door of your mind to money-making opportunities.

Open your eyes to the fact that wealth is all around you. There is an abundance of money. It’s everywhere you look, if you’ll only see it. When an opportunity to make money comes your way, don’t pooh-pooh it. It came your way for a reason–because you wanted it to. Recognize that and step into it. It may be an opportunity that you don’t think would suit you. “I don’t want to sell soap.” Maybe not, but could you learn from some people who’ve been successful at it? Can you apply their ideas and habits to something else? Keep your eyes–and your mind–open.

Mistake #2: Hanging on to the ‘poor’ mentality.

This, I think, is one of the hardest habits to kick. It shows up when you say to yourself, “I can’t afford that.” And you know what? Your thought becomes the thing. If you just can’t wrap your head around the idea that it’s yours if you want it, then at least practice reducing your resistance to the thought. Do the “wouldn’t it be nice” exercise from Ask and It Is Given. Get your thoughts away from the despair of not having, to the hopefulness and joy of maybe having. You might not think that is much of an improvement, but it is. It’s training your mind to question the permanence of your present situation.

Mistake #3: Practicing despair instead of gratitude.

This is what you are doing when your focus is on lack, when you’re thinking things like, “When is this going to get better?”, or “My life sucks.”

Begin to focus on, and be grateful for, what you do have. “Not much,” you say? I suggest you look around you again. If you’re reading this, you likely have something that only a small percentage of people in the world have: a computer and an internet connection. It follows from there that it’s likely that you have a roof over your head, and that you’re not starving. You probably don’t have to go to sleep listening to the sounds of mortar rounds and rifle fire, and you probably don’t have to worry about being the victim of a kidnapping or suicide bomber.

Do you have the faintest conception of how many people in the world don’t have what you have? Possibly, contemplating that will enable you to whisper a little “thank you”, eh?

There’re more common mistakes, but if you’re like me, rectifying these will keep you busy for a while.

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In talking with people, I’m bombarded by variations of ‘how bad it is’. The economy sucks, the job sucks, the wife sucks ^oops, life sucks. Everything sucks.

I have to admit that it’s easy to get pulled down into that pit. Thankfully, I am beginning to recognize my whereabouts and change my view of the world.

When you change your focus, your attention, opportunities seem to materialize out of thin air where none had been before. But were they really not there? Or were they just hidden from view because of the direction you were looking?

My focus changed recently. I made the decision to become more aware of financial opportunity, because in the past that has been one of my problem areas. I am exposed to an idea or opportunity and immediately go over to the dark side. I dissect. I think of all of the reasons why it, whatever it is, won’t work. About the temporary difficulties it may entail.

One example: in the early 90′s, I was the store manager of one of a growing chain of auto parts stores. The decision was made to take the company public, and members of management that had been with the company a certain period of time had the opportunity to purchase a block of stock prior to the IPO. I had passed the time requirement the week before, so I was eligible. The only kicker was that I would have to borrow the $5,000 from a credit card because I had no cash.

I decided not to. Think of the interest on a credit card for a $5,000 cash advance! Besides, I really didn’t like the company. Yes, they were growing and took care of customers well, but treated management like dirt, at least at the store level. So, no thanks.

Now, 16 years later, the stock that I could have purchased for $5,000 is worth over $250,000.

What has happened in the couple of short weeks that I have changed my attention from lack to opportunity?

• I had, and followed up on, the inspiration to launch another website focused on weight loss, health and wellness, and anti-aging. A crowded arena, to be sure, but I have chosen not to compete, but to create. It is taking shape, and my goal is to launch before the end of May.
• I decided that I wanted my main source of income, Sawtooth Internet Development, to be more productive. I want to take a more active approach to business-building, networking, etc. Within a few days of making that decision, more opportunities for business made their way to me. My specialty is turning to problem-solving for existing sites, and I’m seeing more chances to do that. It is a fit for my analytical mind.
• My wife and a friend of hers had begun a business a few years ago that languished because of a lack of focus. They’ve decided to revive the business and it has started to take off. They’ve participated in trade shows, made new acquaintances and revived old ones that are already beginning to show signs of promise.
• My wife’s activities caused me to reconnect with an old and dear friend. I had, because of my level of thought, let our relationship languish over the past few months. Through her,…
• …I have been offered the opportunity to become part of a research group for the ongoing development of a personal development course to be offered nationwide in the near future. The close association with people of this caliber has already inspired me.
• I was offered the opportunity to partner with a small group of people developing some fantastic concepts in the areas of real estate, mortgage and commercial lending, and financial management. The outlook for this is mind-boggling.

What is especially mind-boggling is that every one of those opportunities, and more, have been right in front of me for a long time. Years, in fact. They’re nothing new. They’ve been right out in front of me, waiting to be seen.

How much is right in front of you if you’d only change your focus a little?

Are you closing the door when opportunity knocks?

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“When a resolute young fellow steps up to the great bully, the world, and takes him boldly by the beard, he is often surprised to find it comes off in his hand, and that it was only tied on to scare away the timid adventurers.”

— Ralph Waldo Emerson

 This is in my notable quotes (see the top of the page). Isn’t this the truth?

Keywords: resolute, boldly, timid.

Resolute–acting with determination, with the faith that the endeavor will be accomplished. Boldly going where you haven’t gone before because timidity is your normal habit (sorry, Star Trek).

Resolve, resolute, resolution. Very powerful words, yes?

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Tony Robbins says, “People will do more to avoid pain than they will to gain pleasure.”

Dan Kennedy says the most reliable approach to selling is to generate some pain in the potential customer: “…This is where the marketer’s greatest opportunity lies: exploiting others’ quiet (suppressed) desperation; their private pain. You see, most people do not like their jobs, their relationships, their lives or even themselves. The savvy marketer understands this and is willing to peel back a scab and rub salt in it to motivate someone to action.”

Seth Godin’s Purple Cow Redux marketing strategy does the same thing–creates a little pain in the reader: “If this were actually milk, it would be pasteurized and homogenized. Pasteurized involves heating it up to kill any new organisms inside, while homogenization involves mixing it to make it all the same. If this sounds like your organization, perhaps you need this book.”

I am obviously not a savvy marketer. When I talk to people about my web design business, or other endeavors I’m taking on, I try to get people excited about what I offer. I try to go from the pleasure side. “Look how you’ll benefit by …”.

Honestly, it doesn’t work very well.

I’ve paid attention to what Tony Robbins says. I know that I’m more likely to achieve results if I associate a lot of pain to the behavior I’m wanting to change. But I missed the connection from a marketing view.

Kennedy continues, “…This is where the marketer’s greatest opportunity lies: exploiting others’ quiet (suppressed) desperation; their private pain. You see, most people do not like their jobs, their relationships, their lives or even themselves. The savvy marketer understands this and is willing to peel back a scab and rub salt in it to motivate someone to action.”

This goes against my grain. I don’t feel comfortable causing people pain intentionally, even if I have the cure.

On the other hand, I know that few people focus on what they want, even if it’s pleasurable. Most of their time is spent focusing on what they don’t want. Kennedy reminded me of this:

It’s worth noting, by the way, that very few people can clearly describe what they want – which, incidentally, is why they don’t get it – but most people know what they don’t want. Rubbing their noses in what they have that they dislike is much more effective than holding a carrot out in front of them. You must make people feel miserable before you can liberate them. Whether selling a kitchen appliance or an annuity, selling to mom at home or the CEO in the tower, you must create despair to ready the person for your solution.

So the question is, “Do I do what works, modifying my own pain/pleasure rules to accommodate that, or do I continue to fail in my marketing efforts?”

I know what the answer is. But still, I resist.

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Pam at Make the Most of U wrote a great response (and tagged me in the process) to Aaron Potts’ request for ‘Simply Successful Secrets’, an interactive research project that he’s started (which also included me, I see, but I missed the request somehow).

I really like seeing discussions like this, because when I start to think about the questions, I notice areas in my thinking that could use improvement or even complete overhaul.

Take success, for instance. When I first thought about how I would respond, my initial thought was, “I can’t answer this. I’m not successful.” Then I proceeded to list to myself all the reasons why I don’t think I’m successful (remember—the mind will give what you ask of it): there’s bills that aren’t paid because I’m not taking the actions that I should take business-wise because my brain is so messed up and there’s so much baggage that I can’t get around because I’ve tried everything I know and nothing’s worked because I’m no good at this stuff because I don’t try hard enough because I’m not worth anything…

Short story is I let myself go way off the deep end. After I realized what I was doing (it took a while, I’m not perfect), I made a herculean effort to change my internal conversation. “When I am successful, what do I do?”

“Nothing. You’re not successful.”

“Shut up. I am too. Get back in your cave, little man. Brain: what do I do when I’m successful?”

After some back and forth, the angelic little man on my other shoulder (remember the football field scene in ‘Animal House’?) told me things that I do when I’m being successful. So here’s my list, in no particular order:

1. I am.

This is the ‘being’ part of the have, do, or be anything you want in goal setting. It’s not exactly what most goal-setting coaches have in mind when they say it, but I think it comes first. Before you have and do the things that the person you want to be has and does, first you have to be that person in your mind. If you don’t know how that person would be, find someone you can model. Or find several people and take the best qualities of each.

2. I read daily.

I read constantly. Books, blogs, etc. Used to be, before I was successful, I read fiction books. I was absolutely hooked on action/suspense books. Tom Clancy, Dan Brown, J.D. Robb, etc. I still read those occasionally, when I want a little break. But now I read things that help me reach for new possibilities. As a matter of fact, part of my herculean effort above was to read. I read, front to back, a book named The Greatest Networker In The World, by John Milton Fogg. It was intended as a training tool for network marketers, but is more of a training tool for life and life changes. I highly recommend it.

3. I exercise regularly.

Lately, irregularly would be a better description, but I still do. My little spider-bite ordeal kept me from being as active as I like to be, but I have substantially recovered from that so it’s not as inhibiting. I go to the Y a minimum of 4 times a week; more if I can get there. Sometimes I work on the stair machines and treadmill, sometimes walking on the track, sometimes swimming. When the kids go, it’s all swimming. That’s the best workout I get, truthfully. My kids could wear me out!

4. I spend time with my goals.

I’m building on my vision board, which resides on the wall to the left of my computer monitors. I have my goals written down (do you?), and I spend some time throughout the day visualizing them, sometimes modifying them if they’re not quite right.

5. I spend time with myself.

In the morning, I make a special point to think about the things in my life that I’m thankful for. If I can’t think of more than 4 or 5, I know it’s time for an attitude adjustment. I also take an hour or two each day to read, to work with a Neuro-Programming program I picked up, and some time in my version of meditation. I’m not very good at the meditation thing yet, but the NP program is helping that. I’m finding it challenging to quiet my mind. It seems like it’s always going. During meditation, I accept the thoughts that enter, dismiss them, only to find that another has taken its place. Meditation is a work in progress for me.

6. I do something to promote my business.

One of the areas that I could do better in. This, truthfully, is where a lot of my personal work is taking place. Talking to people, learning to be comfortable in selling situations, just doing something. My comfort zone has not included direct interaction with other people. So, I’m improving that, little by little.

7. I spend time with my family.

Part of this is necessity: we homeschool our kids, and that does take a chunk of time during the day. There’s also piano lessons, recitals, nightly reading, RC airplanes, and of course our twice-weekly jaunts to the YMCA. I used to be a hermit in the computer room, and my family life suffered. Now it’s better. Focus, you know.

So…

…while I’m not yet what most would term wildly successful in some areas, that will show up in it’s good time, when I’m ready for it. I understand that. All I can do is what I know — then watch, and adjust.

That’s all any of us can do.

Thanks Pam and Aaron for the shoulder tap. I’m not going to tag anyone specifically, but I would enjoy comments and linkbacks telling me what YOU are doing to be successful in your life. If you don’t think you are, tell me what you would be doing if you were successful.

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When a new, inspired thought comes into your mind on how to achieve something you want, what is your next thought? Is it, “Wow! That’s fantastic! I’m on it!”? Or is it something like this, with a dejected look, “That’ll never work. I’m too [ugly/short/fat/stupid/lazy/broke/tall/skinny]. That’s just not me.”

Don’t answer. I know what you’ll probably say, if you’re being truthful.

Don’t you think it’s time to get past that?

My challenge to you: when a new idea pops in, immediately write down 10 ways that you can get it done, or reasons why you can do it. Brainstorm a little. Give yourself a little credit, eh? You’re resourceful. Use your resourcefulness to come up with a bunch of reasons. Then write them down. That’s important.

Your knight in tarnished armor

There’s always going to be the little guy on your shoulder telling you all the reasons why you shouldn’t try something. That’s ok. He’s there to protect you. He just doesn’t know that while he may be protecting your ego, he’s hurting you in ways he doesn’t know. So–tell him to be quiet. Say, “Thanks for your concern, but it’s time to go back to your hole now.”

One more word of advice on the little guy: don’t hold conversations with him. Tell him to go away, then give no more attention to him, at all. Giving him attention makes him stronger. Withhold your attention, and his voice will diminish. It will get so soft and squeaky that when you hear it, you’ll laugh. You can thank him for his efforts, and put him back in the closet.

Give your attention to what you want

Back to the positive. When you’ve finished writing your list of reasons, don’t throw them away! Keep them in front of you, and add to them. Give attention to this list of why you can. Concentrate your thinking there. Write more reasons down when you think of them–and think of them you will, when your attention is on why you can.

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I ran across the AGLOCO promotion some weeks ago, and didn’t really do much with it. Oh, I sent out an email or two to friends and family, but the response was…underwhelming, to say the least.

The more I look at it, though, the more viable it appears. When bloggers like John Chow and Darren Rowse climb on board, it lends a certain credibility to the business model. Even Robert Scoble has talked about it. AGLOCO has been written about in major online and offline publications, and the consensus is that if it is managed right this time, as seems to be happening, this could turn into a major deal for a lot of people.

My philosophy? It’s free, I’m not spending any money on promotion or buying names, so why not?

There will be (and is) a lot of negative remarks about the company, the business model, the colors of the website, hassle of the viewbar, etc. As far as I’m concerned, though–it’s just noise.

Check it out for yourself–it could be that some serious income will be made from this. I think it’s worth a few minutes of time to sign up and see what happens.

If you do decide to sign up, please use my affiliate number if you haven’t clicked on one of the above links: BBBB0699

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One of the things that’s always bothered me about reading PDFs online is that they always seem to be formatted for 8-1/2 x 11 paper, in portrait mode (up and down). By the time I increase the document magnification enough to comfortably read it, I can’t fit the whole page on the monitor. So I have to scroll, and I lose all sense of where I am on the page.

So I’m conducting an experiment. I’m redesigning Napoleon Hill’s classic, Think and Grow Rich, to be more readable onscreen, and enhancing it in areas with pullquotes of passages I find important. This book is in the public domain, and you can find it all over the Internet, but not in any easily readable format.

It is designed to be read in full-screen mode, but can also be easily read with the window at less than full-screen size. In the Adobe Acrobat Reader, ctrl-L (on PCs) or cmd-L (for Macs) toggles between full-screen modes. In full-screen, click anywhere on the page to advance, shift-click to go to the previous page. There are also icons at the bottom to change pages. In the final edition, I will include other functionality such as printing without background colors, bookmarks, highlighting, and possibly indexing.
What I am asking of whoever comes across this post is that you download Chapter 1, evaluate it, and share your thoughts with me. Download the file by right-clicking and choosing “Save As” or “Save Target As” in order to save it to your machine instead of reading inside your browser window.

A few things that you might consider:

• Are the colors and overall ‘feel’ good for screen reading?
• Is the type size and style easily readable?
• Do the pullquotes add to or detract from the overall reading experience?
• What do you think might improve the reading experience?
• Would it irritate you if I forced full-screen mode upon initial opening?
• And finally, if I decide to put the complete book out for public consumption, would you pay a small amount for the complete book (say, in the $5 – $10 neighborhood)?

Thanks in advance to all who take the time to look at this!

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