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8 Financial Mistakes to Avoid at All Costs

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Money, money, money. Few things in life generate as much interest, yet demand more responsibility. Money is taken into consideration with almost every life decision we make (which is one reason why personal finance courses should be required in every school)! And while money itself will not bring happiness, mismanaging it can surely ruin a person’s chances for success, and cause a lot of UNhappiness.

 

The principles of wise financial management aren’t that tough to master. Truly, you don’t need to have a degree in finance, be a math whiz, or consult a professional financial consultant in order to make smart choices. You simply need to know the basics and abide by certain key principles. It pays to avoid these eight common financial mistakes (and understand their consequences if you don’t):

 

  1. Failure to set goals and plan for major purchases and retirement. It’s crucial that you plan for large purchases (homes, cars, big toys) by accumulating savings, while also making sure you’ll have sufficient resources for retirement. These types of purchases should never be made on impulse or funded by withdrawals from your 401K.
  2. Spending more than you earn and failing to budget and monitor expenses. These days, it’s impossible to get away from ads (they’re on Instagram, Facebook, Billboards, YouTube videos, commercials, etc.). We are constantly bombarded with the idea that we need this or that. It’s important to resist the urge to spend, unless each purchase is within the budget you’ve set. If you don’t have a budget, set one…now! Overspending is the most common source of financial difficulty and stress.
  3. Incurring too much debt, including excessive credit card usage. If you have to put it on a credit card, you probably can’t afford it. That is, unless you pay off all of your credit card balances at month end.
  4. Investing too little and starting too late. In order to build a sufficient nest egg for retirement, you’ll need to save and invest 15-20% of your income. And, the sooner you begin, the greater your assets will accumulate. Start a monthly investment program as soon as you’ve developed an emergency fund worth six months of expenses. This should be a priority in the first year you begin your career.
  5. Incurring significant fixed expenses that can’t be reduced in difficult economic times (e.g., spending too much on housing and cars). Your mortgage or rent payment should not exceed 25 percent of your monthly income. And please, avoid those crazy high car payments!
  6. Ill-timed investment decisions (“buy high, sell low” habits and market timing). Too many investors make decisions on emotion. They take too much risk when the markets are high and panic sell when markets are in decline. Studies show the average investor loses around 2% a year due to poorly timed decisions! Regular investments in a well-diversified program serves investors better.
  7. Impulse buying and lack of value consciousness when shopping. Have a strong grasp on the actual value of the stuff you’re buying. Are those jeans really worth $175 in the long run? How could buying less expensive jeans and putting that money toward something else impact your financial situation in the long run?
  8. Lack of discipline and personal responsibility. This is one of the most important tips. Making sure you have positive cash flow and that you’re set-up well for the future takes some serious discipline and self-control! If you need some help with accountability, consider downloading spending tracker, like those available on mint.com. It’s eye opening how our spending on little things adds up.

 

Because finances aren’t taught enough (if at all) in secondary school or college/university, parents are advised to assume a leadership role. These are CRUCIAL life skills that will set your young people up for success in the real world (and help them avoid potential crises).

 

Periodically check how you’re doing in these areas, too. If we can all successfully avoid these traps, we’ll be in excellent financial shape! It does wonders for our stress levels, too!

 

 

 

 

 

 

4 Tips to Help Your High School Student Succeed

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We just finished up an amazing week at the National Dropout Prevention Network conference in Detroit, MI. The LifeSmart team was able to share our perspective on what we can do as educators, mentors, and parents to help set teens up for success and graduate high school with their peers. Consequentially, we’ve got high school graduation on our minds—even if Halloween hasn’t yet arrived!

Are you a parent or a teacher of high schoolers? Have you ever wondered what YOU can do to prevent the potential of your students’ dropping out, or how you can equip your student for optimum success? Unfortunately, one million kids leave school every year without a diploma. We’d like to share with you our top four ways to equip high school students for success and help them cross the graduation finish line.

  1. Instill resilience. Let’s face it. Life gets difficult. And it can be especially difficult for students who are dealing with struggles at home (broken families, drugs and alcohol, emotional/verbal/physical abuse), or who come from a low-income background. One of the most important qualities for young people to embody is resilience; learning to handle adversity with courage, integrity, and determination. Take time to talk with your teen about obstacles (because that’s exactly what they are, obstacles—not derailers!) and the importance of overcoming them, growing from them, and, ultimately, becoming an “inspirational encourager” to others who are facing similar challenges. Always be mindful of what other side to today’s valley might look like..
  2. Cultivate your relationship. Whether you’re a parent or a teacher, it’s important to cultivate a relationship with your student, especially if you notice the dropout “warning signs.” Take time to talk and learn what makes him/her tick. Are they feeling alone? Is there a certain subject they just don’t get? Are they overwhelmed with too many commitments? Position yourself as an ally—someone who can be trusted—and cultivate a relationship of trust, acceptance, and encouragement with your teen. And, while you’re at it, always seek opportunities to affirm their uniqueness and value. It’s a powerful way to build hope and belief in themselves and their future. They’ll never forget you for it.
  3. Rely on community resources. I’m sure you’ve heard the age-old saying, “It takes a village.” It’s true! Without the wider community supporting the schools, and without parents and schools relying on resources within the community, success would be hard to come by. There are great organizations out there (like the Boys and Girls Club, Big Brothers/Big Sisters program, and more) that can help your student make friends, bond to other positive influences, and stay on track. Also, encourage them to identify their interests and passions, to offer a glimpse of what their future can look like. It builds motivation, too.
  4. Make sure your child is surrounded with positive influences. Remember, your student needs to have other wise and encouraging voices in their life other than their parents and teachers. In fact, research shows that each student needs at least five adults in their life who are there to offer support, wisdom, advice, trust, and encouragement. Sometimes kids listen to non-parent voices the best! The same goes for their friends. If you notice your student is hanging around with the wrong crowd, or tapping into destructive media influences, address it immediately.

 

Our students are our future—and their success is of utmost importance. Let’s position ourselves as their safety net and rally around them with the support the need to ensure their graduation and life success.

Will We Ever Let Them Go: Part Two

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It’s not uncommon to hear negative generalizations about today’s young adults (AKA millennials). There’s a lot of blaming going around, but have we ever stopped to ask ourselves what our role might be? Or, what improvements we can make to their training? Today’s post is part two in our four-part series about equipping and fostering success in young people, with a special message to secondary school educators. If you missed our post for parents earlier in the week, you can find it here. Or, you can access the entire article at the bottom of this post.

Today’s secondary schools face enormous challenges in covering all the bases and setting students up for life success. In addition to their core education efforts, our teachers also deal with tremendous regulatory demands and increasingly fragmented families. As a former school board chair and educator, I honor their tireless investment in our younger generation.

Importantly, our secondary educators play a vital role in preparing their graduates for college, career, and life. So, it’s appropriate to consider their influence on the general state of our young adults. In doing so, I’ll approach it as an advocate for two key constituencies: the students themselves and the institutions receiving their graduates (most notably, colleges and employers).

Importantly, secondary students are not in a position to advocate for themselves, and they assume they are receiving the education and training they need for life. And, why not? Meanwhile, our colleges and employers assume their students will arrive prepared for college, career, and life. Again, why not?

However, it is clear from our weak college graduation statistics and the feedback from universities and employers, that these assumptions are often erroneous. Far too many students are dropping out and/or lacking the basic skills that employers are seeking. So, while many students are book smart, signs are they’re not always life smart. This is a predictable outcome when leadership development and practical training occupy a secondary role in our schools.  In too many cases, student training is neither holistic nor sustainable.

With all that in mind, I respectfully offer the following recommendations to secondary school educators who are serving our today’s students today and tomorrow’s collegians and employees:

  1. Develop and implement a comprehensive vision for a well-prepared graduate for life. My favorite Stephen Covey habit is “Begin with the end in mind.” Importantly, it applies just as much to organizations (like schools) as it does to people. However, in my years of speaking at schools and conferences, I have never witnessed more than 10% of the audience state that their school has defined a well-prepared graduate. Never. This is an urgent priority because it frames everything. What skills, character attributes, and knowledge do our graduates need to succeed in life? That our employers and universities desire? We must know this.
  2. Create the necessary pathways and programs to implement this vision for all This will likely involve new courses, reprioritization, and integration of concepts (e.g., leadership).
  3. Require leadership and life skills courses for all students. These courses, often under the purview of FCS and CTE (Family/Consumer Science and Career and Technical Education) are simply too important to be considered electives. In addition to leadership and character skill building, all students should receive practical education in post-secondary preparation, career readiness, communication and relationship building, financial management, citizenship, manners, and self awareness. We can no longer assume that our students are learning these vital skills at home. (In too many cases they are not!) This will likely involve some reprioritization of other courses to make room for these essential topics. The keywords are “holistic,” “relevant,” and “sustainable.”
  4. Dispense with the “college or bust” mentality. The significant first-year college dropout rate reveals the unintended consequence of an overemphasis on college as the immediate next step. For many high school students, other options such as employment, vocational schools, community college, trade schools, a gap year, and military or service are better fitting options. These are not “second rate” choices.
  5. Prepare all students for a professional environment. Among the biggest complaints about today’s younger workers involve their casual written and oral communications and manners. Clearly, this is an adverse consequence of today’s tech-laden world. Communication is such a success driver in life, and, it deserves to be a greater priority in our schools. Also, courses in entrepreneurship, that would expose students to all aspects of managing an organization, would be beneficial. While the latest rage is STEM (or is it STEAM…?), it’s important to recognize that most jobs, even in those types of organizations, do NOT require advanced math and technical degrees. Let’s remember that as we develop our course menus and requirements.
  6. Promote leadership and character, and reward students accordingly. So often, academics and athletics command the greatest award attention in our schools. Ask most employers and they’ll gladly prefer a 3.5 GPA with great character to a 3.9 with little else. How many leadership and character awards are offered in your school?
  7. Cease with the grade inflation. This form of coddling proves to be a short-lived source of self esteem when students face the reality of competitive environments like college and the workplace. Let’s be honest, we’re doing them no favors.

 

Teachers, we are so grateful for you and your tireless efforts. Keep up the good work as we all work together and learn from each other, mastering our roles as “next generation equippers.”

 

Next week we will address this topic with college/university educators, as well as employers. If you’re interested in gaining access to all four parts of the article, you can find it here.

Will We Ever Let Them Go: Part One

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Like most of you, I hate stereotypes and generalizations. They’re unfair and usually do more harm than good. It’s why I’m not a fan of “bucketizing” people into this/that gender/age/ethnicity/economic/religious/political category. To me, the main “fruit” of these efforts is disunity.

But, at the risk of not taking my own advice, I’d like to weigh in on the conversation about a group that is perhaps more stereotyped than any these days. . . Millennials. Having raised two of our own and as an author/publisher/mentor/educator devoted to training up our next generation, I feel a special bond toward them. But, judging by what I read and hear, it’s as though their foreheads are etched with a “scarlet M.”

You’ve likely heard their negative labels: entitled, lazy, fragile, impatient, narcissistic, distractible, relationally challenged, needful, and the like. Hopefully, you’ve also heard the positive: passionate, creative, connected, entrepreneurial, idealistic, and globally minded. (As a product of the Sixties and Seventies, it makes me wonder what was said about us!)

But, here’s the deal: IF some of the negative stereotypes of Millennials have some merit, I don’t believe it’s only (or even primarily) because of them. Much of that responsibility lies with us—the generation that has parented and trained them. By all accounts, we are not equipping them as fully as we should—not parents, not schools, and in some cases, not employers. We’re also struggling to let go. Big time!

Too often, instead of releasing eagles to soar with confidence, we’re releasing young adults that we continue to control, coddle, or inadequately equip. Generally speaking, we’re not providing the practical, relevant, holistic training they need to succeed in adult life, and it’s showing. I believe this is attributable to several factors: 1) parents and educators assuming the other is covering the training (e.g., finance, soft skills) so it falls through the cracks, 2) consequences of the breakdown of the American family, and 3) educators focusing more on training the mind than the whole person for adulthood. It’s no wonder that the stage of adolescence continues to grow. And grow.

That’s on us. And, we need to do better. For them.

So, for the rest of this blog series, I’ll be offering my recommendations—to parents, secondary school educators, colleges, and employers—to help set our younger generation up for real world success. Due to space limitations, it’s an incomplete view, so I’ll focus on my best ideas.

In this first post, I’ll address my thoughts to parents. After that, I’ll concentrate on secondary school and college educators, and finally, employers. We all have a stake in this game. I’m sure you can add to my ideas, and you might even disagree with some of my views. I welcome your contributions. That’s what makes it a conversation!

 

To Parents:

We all want our children to be happy and successful, but sometimes we get in their own way. In fact, discussions with those receiving our high school graduates (e.g., universities and employers) reveal the downside of helicoptering, performance parenting, excessive coddling, and absentee parenting: students struggling with self confidence and coping with the demands of adulthood. Consequently, parents are calling professors to complain about grades. Parents are calling employers to complain about their “kids” being overworked and underpaid. Parents are even coming to job interviews! Many parents are so invested in their children’s success that they won’t let go. Is it any wonder so many young adults are having difficulty growing up?

With that, here are some suggestions for raising our parenting bar and releasing a new generation of well-prepared and confident leaders:

  1. Adopt an empowering parenting vision and mindset: what if we replaced “raising children” with “raising future adults?” This mindshift can make a world of difference. In our book on this topic, Parenting for the Launch, we call it, “giving them wings, not strings” and “moving from driver seat to passenger seat.”
  2. Emphasize character and “soft skills” over performance. Success in career and life requires a solid leadership foundation made up of qualities like integrity, reliability, high standards, kindness, respect, other-centeredness, work ethic, humility, positivity, and manners. It also requires attributes like self control, resilience, interpersonal skill, decision-making, time management, and communication. These are sustainable leadership qualities. Where are we placing our emphasis?
  3. Invest in your relationship. It takes both quality and quantity time to build a relationship that endures. “I didn’t spend enough time with my children” is an all-too-common regret you never want to experience! Stay fully engaged.
  4. Surround them with positive influences and adult role models and mentors. Use every opportunity to introduce them to great people! These invaluable third party voices offer friendship, wisdom, and connections to help grow their network. It also builds communication skills and respect for adults.
  5. Help them build self awareness. In the teen and young adult years, it’s critical to understand one’s assets, nature, and passions. Parents can contribute valuable insights that instill vision, belief, hope, and a sense of value.
  6. Encourage them to stretch themselves and take risks, even if they may not succeed. Help them embrace new experiences and challenges. Regardless of the outcome, winning is in the journey. Build a “Go for it!” attitude..
  7. Limit their use of technology and impose tech-free zones during family times. Be highly attentive to the addictive tendencies of technology, especially if it starts to affect their relationships, communication, and productivity.  And, don’t let devices and TV serve as a “babysitter.”
  8. Be strategic about preventing some of the common stereotypes. That means promoting a strong work ethic (chores help!), instilling other centeredness (volunteering for the less fortunate), learning to accept constructive feedback, being able to build authentic relationships, developing their ability to problem solve and handle disappointments and conflict, and teaching them how to communicate professionally with adults.
  9. Resist the temptation to solve their problems and manage their performance. These are self confidence destroyers that hamper decision-making and can create co-dependence.

 

If you are the parent of a millennial—what steps have you taken to help make them more “real world ready?” Are there any tips or pointers you would add to this list?

Later this week, I will be addressing my recommendations to secondary educators (with two more parts in the series coming next week!). I’m excited to share this blog series with you and hope you’ll continue to read on and engage as we discuss our roles in equipping the next generation for success!

If you’re interested in accessing the entire article (how we as parents, high school teachers, college professors, and employers can help equip millennials for success) in one place, you can find it in our resource center here.

Building Workplace Readiness Skills: Part One

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We’ve heard the stories all too often. You have your own stories, no doubt, but here are some of mine:

  • My friend, a corporate executive, was preparing to interview five finalists for a new position; only one showed up on time. (Guess who landed the job?)
  • Another employer was recruiting at a career fair on a college campus. Based on first impressions and conversations with graduating seniors, not a single student was invited in for an interview.
  • A local restaurant owner received a call from an “ill” teenage employee five minutes before start time, yet fifteen minutes later she was posting pictures of herself at a beach party. It cost her the job.

You might think these are exceptional cases, but we hear stories like this all the time from employers of teens and young adults. As accomplished as young workers may be academically or otherwise, far too many are not workplace ready.

As the marketplace becomes more competitive, are we actually regressing at launching real world-ready graduates from our homes and schools? Many agree and point to such contributors as ineffective parenting, lack of whole person training in schools, and high youth unemployment rates.

This is why I’ve been encouraged by the work at the Weldon Cooper Center at the University of Virginia and CTECS (Career and Technical Education Consortium of States), who have taken proactive steps to turn the tide. They surveyed employers to identify their most valued workplace readiness skills, and their conclusions, summarized here, establish 21 Workplace Readiness Skills (WRS) for the Commonwealth of Virginia.

[After reviewing the WRS list, we were gratified to learn that our What I Wish I Knew at 18 curriculum (including our “How to Be an MVP Employee” DVD) address 14 of these 21 employer-based skills! You can see how our lessons and success pointers align to these WRS here.]

At LifeSmart, we want to contribute to this crucial conversation by sharing some thoughts on ten of these important skills, starting this week with “Work Ethic” and “Integrity.” We hope you’ll follow along in our series and share your ideas as we go!

Work Ethic   

Fresh out of college, Joe arrives at his new job with visions of grandeur—perhaps a corner office with a great view. Then reality hits—his new work station is a bite-sized interior cubicle. Feeling disgraced, he delivers an inferior product and doesn’t last long.
How can we help the “Joes” we know—whether as students, mentees, or children in our home? Parents can help by instilling the intrinsic value of hard work, avoiding doing their work for them (including homework!), and by not condoning efforts that are clearly lacking.

Educators can help by being mindful of how grade inflation is affecting work ethic and creating attitudes of entitlement. Our colleges and employers are increasingly dealing with both, as students feel “deserving” of special considerations and concessions.

The bottom line: A strong work ethic builds dependability—an essential leadership quality.

Integrity

“We may not always be loved, but we must always be trusted.” This saying is so true! Integrity is one of the most important qualities (arguably number one!) that make up one’s “personal brand.” It’s very difficult to recover from a damaged reputation, and a lack of integrity is often the cause.

 

Here are five attributes of a person of integrity:

  1. They always tell the truth and call out the untruths of others.
  2. They own up to their mistakes and shortfalls.
  3. They uphold high ethical standards, both personally and professionally.
  4. They keep their promises.
  5. They keep their communications about others neutral or positive (especially those who are not present).

 

Whether we’re educators, parents, or mentors, we all have opportunities to incorporate these vital skills into our training of this generation. As you consider those under your guidance, how do they fare on these 21 skills? How might you help address the gaps?

 

6 Tips for Maximizing Family Togetherness (and Avoiding Conflict)

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One of the greatest things about the holiday season can also be the most challenging:

“Hooray! The whole family will be together!”
“Oh nooooo! The whole family will be together!”
Even the happiest of families has conflict, especially when large numbers of people are indoors for extended periods. Add to the mixture the complexity of holiday activities and expectations, kids coming home from college, relatives travelling from afar, and other friends and family popping in and out. It’s not hard to see why the holidays can be stressful on our relationships!

It helps to have a good strategy for dealing with the (inevitable) conflicts that will surface when extended family and friends gather. When tension or arguments arise, you’ll be able to keep your cool, extend grace, and navigate the holidays with a “peace on earth and goodwill toward men” mentality!

Here are six tips to help you manage (and preferably avoid!) conflict this holiday season:

Be sensitive to the need for private space. Having a full house during the holiday season means that people who typically do not live together are now under one roof. This can be particularly stressful for teens in the family, and for “introverts” who tend to feel drained rather than energized by crowds of people. Sometimes this is hard for the “extroverts” to relate to! Respecting these differing needs for personal space can help avoid resentment and conflict.
Ask yourself, “Does this issue need to be addressed now?” Keep your emotions in check; pause before you respond to a snide comment, an inconvenient request, an entitled attitude, a grievance, or even a simple difference of opinion. The less we react emotionally in the moment, the more we’re able to respond gracefully and tactfully at the right time with the right attitude. Circle back to discuss the problem when you are feeling less heated about it. You may find it doesn’t need to be discussed at all.
If it does need to be addressed now, respect yourself and your right to be heard. Sometimes we allow others to intimidate or dominate us out of fear or embarrassment. Although conflict is uncomfortable, sometimes we do need to speak up about an obvious problem that is causing distress for us or another person. In the process, we want to respect ourselves by speaking up about it, while being respectful to the other party.
Strive to be an agreeable disagreer. So often, conflict arises from misunderstandings that could have been prevented or at least controlled. Sometimes they’re based on different philosophical views or perspectives where there isn’t a right or wrong answer (Hello politics!). Always strive for mutual understanding, but agree to disagree if that’s the case. Don’t let the sun go down on your anger. If needed, have a heartfelt conversation about it once things have calmed.
Choose reconciliation over grudges wherever possible. We’ve all been victims of a wrong, and injustice, or a mistake. It causes anger, shame, resentment, depression, and worse. When we harbor grudges or struggle to forgive, it can be like an all-consuming cancer, and generally the person who suffers for it is you. Strive for forgiveness, and reconciliation whenever possible—and don’t hesitate to seek support.
Remember “FLPP.” In our book Parenting for the Launch: Raising Teens to Succeed in the Real World, we offer a strategy for dealing with conflict, restoring strained relationships, and rebuilding trust. It involves keeping your communication with that person FREQUENT, LOW-RISK, POSITIVE, and PERSONAL. What can you talk about that doesn’t provoke irritation or conflict, is encouraging and positive, and shows you care? Focus on these kinds of interactions to build a platform for deeper conversations at a later date.

May your holidays be peaceful and merry!

We’d love to hear your stories about how you avoid or negotiate conflict in your family over the holidays. Please share your thoughts and suggestions. We can all learn from one another!

4 Tips to Help Teens Listen to Their Conscience and Stick to Their Values

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Parents and teachers, your teens and students are facing tough decisions every single day, and their choices are only going to get more difficult. Where should they go to college? What should they major in? Should they really go to that party? Should they take things to the next level with their boyfriend or girlfriend? This week’s post focuses on choices, and how to ensure your teen is equipped to stick to his or her values and make the right call. We encourage you to share it with the young people in your life or use it as a tool in your classroom or household.

Life is a series of choices, some planned and some not. Some involve fun, while others involve pain and heartache. Some are made from the mind after lots of thought and reasoning, while others are made impulsively from the heart or what “feels right.” Some turn out well and impact our lives for better, and some we regret.

Are your kids ready to make the right choices, both now and in the future?

I had the privilege of working for an inspiring leader, George Russell, who could distill the complex down to profound, but simple truisms. One of them was, “If you’re not sure whether to do something, imagine it as the headline in tomorrow’s newspaper.” Wow! How’s that for clarity and common sense? This works like a charm in our professional and academic lives, but also our personal lives, too—heeding that “inner voice” that has our best interests at heart. I know every time I ignored what my conscience was telling me, I lived to regret it. And, I know I’m not alone!

In a cultural climate where “values” are often measured on a slippery scale of personal taste, convenience, self-gratification, and “tolerance,” kids can get into real trouble when they dismiss the caution signals. That’s why helping young people identify their values and strengthen their conscience is so important. It’s more than important…it’s crucial!

Yes, this is what some refer to as “conscience training.” In times of growing independence, freedom, and opportunities, young people are increasingly faced with risky situations that require quick decisions. In some cases (many that involve alcohol, drugs, sex, social media, and cheating), one bad decision in the heat of the moment may do irrevocable harm to their reputation, college career, personal health and safety, or relationships, and derail their future plans and dreams.

That’s why having—and always listening to—that inner voice is so important in high-risk situations. Here are some ways to help set your teen up for success when it’s their turn:

  • Have them talk about their non-negotiable values. Moreover, encourage them to write them down and stick them in a school binder or on their desk. Make sure they don’t forget the principles that are important to them. These values are a big part of their brand.
  • Realizing that most unhealthy choices involve succumbing to peer pressure, be sure they understand their value and surround themselves with positive people and influences who have their best interests at heart.
  • Discuss potential situations that may put their reputation and integrity at risk. Remind them their best bet is to avoid high-risk situations altogether. And, if they can’t avoid them, they should at least decide in advance how they will react if their values are tested.I’ve heard far too many stories of people who didn’t heed this advice and whose futures were severely impacted because of it. They often lose years of momentum and wander confused and broken in the aftermath. Many times this could have been avoided had they asked themselves these simple questions:

“How will my conscience feel in the morning? What is it telling me to do right now?”

Have you ever been in a situation where you had to make a choice that challenged your value system? Did you have the courage to go with your values over the pressure you received from others? Share your experiences with your teen. Remember that life is about learning and recovering from our mistakes, and that stories are often the best teachers.

Note: We encourage you to visit our Resources page and download your FREE copy of our Personal Balance Sheet Assignment to share with the young adults in your life. Making sure they understand their own value is a crucial part of making good choices!

See the Glass a Half-Full

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“Perpetual optimism is a force multiplier.”

Colin Powell

 
Who might be considered among the most popular and inspiring politicians in our last century? Presidents Franklin Roosevelt, Kennedy, and Reagan immediately come to mind. They each faced extraordinary challenges but offered Americans a spirit of hope in times of great fear.

We saw this positive attitude in the leadership of Lee Iacocca, who successfully resurrected the Chrysler Corporation from the economic disaster in the 1980s. We also witnessed it in Paul Azinger who led the USA golfers to a smashing victory over Europe in the 2008 Ryder Cup after years of humiliating defeats.

Most successful people have inspiring “can do” attitudes. They embrace challenges rather than complain and achieve more in the process.  AND, they not only accomplish great things themselves, but they also bring out the best in others.

Bringing out the best in people means looking for positive qualities and calling them out. Sometimes when you observe a negative quality, that can be a real challenge!  But it’s always possible if you begin by focusing on the positive (i.e., see the glass as “half full”), help others to do the same, and coach them in an uplifting and constructive manner rather than critically and harshly.

If you’re one who has a tendency to “see the glass half empty,” consider how an attitude change can improve your life and relationships. It’s not hard; it just requires a mindset adjustment and a few simple principles:
1. Cultivate a can-do attitude.
2. Focus on the positive (“see the glass as half full”).
3. Embrace challenges and use them to your advantage. Remember that the best character growth comes from successfully handling adversity.
4. Focus on (and bring out) the best in the people around you; inspire them to have a can-do attitude as well!

What examples have you seen of someone who has a can-do attitude and brings out the best in the people around them?
Share your ideas and experiences with our online community; we’d love to hear from you!

Celebrate the Season! Annual LifeSmart Book Sale!

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It’s been a great year at LifeSmart! We are filled with gratitude as What I Wish I Knew at 18 continues to impact the lives of young adults globally, and our newest book, Parenting for the Launch: Raising Teens to Succeed in the Real World, receives rave reviews for encouraging and equipping parents (click here for more information).

We think it’s time to CELEBRATE!
Our 4th annual Cybersale is offering Parenting for the Launch and ourWhat I Wish I Knew at 18 book and guides at substantial savings, just in time for holiday gift-giving and classroom orders for the New Year:
What I Wish I Knew at 18 BOOK – $14.99
What I Wish I Knew at 18 STANDARD STUDENT GUIDE – $14.99
What I Wish I Knew at 18 CHRISTIAN STUDENT GUIDE – $14.99
Parenting for the Launch – $14.99
(further bulk discounts available!)
now through Christmas
Order at AtlasBooks.com or 1-800-BOOKLOG
and use the Promo Code: CHEER
Parenting for the Launch serves as a wonderful gift for parents while What I Wish I Knew at 18 is a special keepsake gift or stocking stuffer for:
·teens and young adults
·parents and caregivers
·mentors and coaches
·teachers and faith leaders
·clients who are raising families
It’s our way of saying “Thanks!” for your support—and to wish you a joy-filled holiday season!
Blessings,
The LifeSmart Team.