Friday, August 22, 2008

Why Are Achievers Accomplishing So Much Personal Fulfillment?


Dr. Abraham Maslow coined the term “Self-Actualization” as the pinnacle in the hierarchy of human needs. Dr. Maslow summed up the concept as;

"A musician must make music, an artist must paint, a poet must write, if he is to be at peace with himself. What a man can be, he must be. This is the need we may call self-actualization ... It refers to man's desire for fulfillment, namely to the tendency for him to become actually in what he is potentially: to become everything that one is capable of becoming ..."

Have you ever wonder why achievers have been able to accomplish much more in life compared to the non-achievers? The real difference is achievers have the ability to self-actualize much more in life than the non-achievers. On a most basic level, achievers and non-achievers are required to satisfy their needs for food, water, and air. It is only when these basic needs are met that they can turn their thoughts to higher needs, such as love and acceptance.

As each of these needs is fulfilled, some of them reach a point of restlessness. It is at this point that they begin to seek higher goals of personal fulfillment. They attempt to grow beyond what they currently are and they strive to fulfill their highest potential. This is what Maslow termed self-actualization.



It is through self-actualization, achievers seek personal fulfillments in life. Achieving this state of fulfillment, however, involves more than having success in the workplace or the admiration of others. It is a goal that achievers want to achieve through different methods and with drastically different results to achieve a more holistic life.

The flaws with under-achievers are they are often obsessed about their goals and leave behind other matters which are vitally important. If they are dominated by a higher need, this higher need will seem to be the most important of all. It then becomes possible, and indeed does actually happen, that they may, for the sake of this higher need, put themselves into the position of being deprived in a more basic need. When their basic needs are being derived, they no longer can fulfill the next stages of self-actualization to their full potential to be the best they can ever be.

As for achievers, they have an internal natural drive to become the best possible they ever can be. They have within them a pressure toward unity of personality, toward spontaneous expressiveness, toward full individuality and identity, toward seeing the truth rather than being blind, toward being creative, toward being good, and a lot more. That is they believe that they are so constructed that they press toward good values, serenity, kindness, courage, honesty, love, unselfishness, and goodness.

Some profound and interesting characteristics from our research of achievers who have self-actualized have the following findings. Their interpersonal relations are profound and intimate. They are capable of greater love than others consider possible. They seemed to have the ability to demonstrate benevolence, affection and friendliness to everyone. When coming to learning, they are able to learn from anyone humbly regardless of class, education, political belief, race or color. They do not confuse between means and ends. They do not do wrong, enjoying the here and now, getting to goal--not just the result. They make the most tedious task an enjoyable game. They have their own inner moral standards appearing amoral to others. They love to joke and they use jokes as their teaching metaphors, intrinsic to the situation, spontaneous, and can laugh at themselves without cracking jokes that hurt others. They have inborn uniqueness that carries over into everything they do, see the real and true more easily, original, inventive and less inhibited. They are painfully aware of their own imperfections, joyfully aware of own growth process. They have philosophical acceptance of the nature of his self, human nature, social life, nature, physical reality, remains realistically human.

With this deeper understanding and knowledge of the profiling of achievers, under-achievers will then have this bigger capacity to motivate themselves to realize their goals. It will also oblige them to actively work toward self realization and respond to the call that a value makes on them. This whole discussion shows the importance of studying Values and Ethics in being an achiever. Under-achievers have to discover their range of possible moral behavior and success characteristics to model after and improve upon if they are working after their goals toward personal fulfillment.

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Thursday, August 21, 2008

Why Achievers Keep Talking To Themselves In Their Mind When They Are Faced With Defeats?


Take notice and pay attention to the things you say to yourself every day! Many times you may catch yourself saying (not out loud but only in your head of course) something about yourself or your life that you would never, never in a million years say to another person. I’m talking about the limiting, self-deprecating, disparaging thoughts and silent comments that under-achievers have, the thoughts of doubt about their abilities and themselves, the feelings of disgust when they look in the mirror facing their doubting poor self-image.

Under-achievers failed to monitor their conversations and their thoughts they have about themselves. When they are faced with a challenge, a fearful situation, it is not common for them to react by talking to themselves and "commanding" themselves to overcome this fear and succeed on the challenges. This is in fact, a proven effective method used by achievers for overcoming fear. One theory of addressing the fear is to enhance the individual's concept of success. Achievers are able to imagine and believe that they can be successful at a certain event, encounter or situation; they command and use their fear to channel productive outcomes in what they are fearful to do.

According to research, there is one theory by a psychologist from Stanford University that overcoming fearful behavior can be addressed by self efficacy: the achiever's belief that he can overcome his fear. In effect, he addresses fear by "talking" to himself and believing that he can overcome it.

Changing the self-talk from negative to positive can in itself bring about a change in the mind-set. For one thing that achievers do is the very process of putting into words what they want rather than what they hope to avoid, changes their way of thinking. They think of the words that will bring about the associated mental pictures, and if the words are linked to something emotive, associated physical sensations too. So they start to see and feel what they want to achieve. This, hopefully, will have more pleasant associations and induce a more positive response – such as relaxation, confidence, or excitement – rather than the unpleasant response associated with the situation they want to avoid. So for example by replacing:

“I mustn’t get angry!” with

“I’ll stay calm”

They are also replacing the image and sensations of clenching fists, reddening face, losing control and feeling tense with those of staying relaxed, talking calmly, and discussing rationally. Using positive language forces them to formulate what they want, and to begin to manifest it by putting it into words.

Achievers’ self-talk—the words that they use to describe what is happening to them and to discuss how they feel about external events—determine the quality and tone of their emotional life. When they see things positively and constructively, and look for the good in each situation and each person, they have a tendency to remain positive and optimistic. Since the quality of their life is determined by how they feel from moment to moment, one of their most important goals should be to keep themselves thinking about what they want and to keep their mind off what they don’t want or what they fear.

When the mind is filled with positive self-talk energy, the soul will be uplifted with feelings of encouragement, self-motivation and a "can-do" attitude. Once the thinking is uncluttered, it will bring to completion things left dangling from the past and train the self-talk to focus only on being the achievers, and the road to success will be a much shorter journey.

If under-achievers pay attention to what is going in their mind, they will discover that the mind is in a constant state of thinking. There is a constant self-talk activity going on. They can actually use this self-talk to their advantage, when they know how. They can fill their mind with positive thoughts, and direct it toward achievement and success. They can do so by repeating positive words and statements, instead of occupying the mind with useless or negative thinking.

The starting point in the process of becoming a highly effective person like an achiever is to monitor and control the self-talk. The conscious mind can hold only one thought at a time, either positive or negative. If under-achievers deliberately choose a positive thought to dwell on, they keep their mind optimistic and their emotions positive.

The real power of self-talk lies in how it changes behavior. Simply correcting the internal programming will improve the mood, but it won’t do the most important job. The ultimate purpose of examining what is going on inside the head is to change actions that are self-defeating. Thinking correctly does alter the negative moods, but enduring change comes only with modifying the behavior.

To activate the full power of your self-talk, you must follow the path that your new, accurate inner messages point. Underachievers would need to actually terminate their current relationship and, with the aid of further encouraging and supportive self-talk, get back into social situations where they can meet new people and begin forming new relationships.

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Sean Toh &
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Why Achievers Apply The Law Of Concentration For Success In life?


Law of Concentration involves a honing in on all the attention so that one's entire field of attention is thrown into whatever it is that one is doing. Concentration entails a focusing of energy-the energy that influences all our actions in life.

From our research, we realize that achievers have been men of great concentration. Their success is not accidental but is related to their thoughts in their brain. When a brilliant thought or idea strikes their mind, they ensure that their thought or idea is being nurtured and reared with patience, will, focus, and determined action. With this intense concentration of energy will the tiny seed of an idea truly flower into a vibrant plant. The entire basis of the flowering is the mind and its powers. Had there been no thought in the mind and appropriate action thereafter, the result would not have been achieved. Applying this law is like focusing the rays of the sun through a magnifying glass; achievers focus and re-direct the concentrated rays of the power behind their divine thoughts.

Control of the mind is the achievers’ precursor to success in attempts at concentration. Yet if their mind is preoccupied solely with the idea of having to control the mind like under-achievers, they will be so busy trying to control their mind that the object or concept of concentration will take centre-stage in Amnesia land!

Achievers understand that it is the sensual distractions to which the mind is drawn that are the culprits of under-achievers inability to concentrate. So they must work at being able to successfully and scientifically isolating their attention from them. Calming the senses, withdrawing their life force away from the sensory-motor nerves which are the conductors of sensations, and channeling them into the higher centres of their consciousness is therefore the key. They must make it a habit to introspect and watch their mind carefully. Rising thoughts must be silenced and emotions have to be calmed.

Success in achievers’ life presupposes the power of concentration. Their focused thoughts create a dynamic but silent power within that will find them placed in situations akin to the nature of their thoughts. If they think ' good health ' and with faith and belief embedded deeply within their minds over a sustained period of time, they will gradually create for themselves situations and an environment, which will be conducive to good health. Yet as they understand the workings of this power of this law, it is essential that they not misuse the power and that they be more involved in purifying their desires so that all that they seek will only be bathed in the hue of wisdom and righteousness.

As under-achievers attempt to practice controlling their mind, never fight with it. An obstinate struggle only sets into motion more waves of despair and frustration. They should beware of committing this serious error in their eagerness to succeed. Correctly practiced, engagements in concentration will quickly lead to a calming of the functions of the heart and thereby, the energy that was formerly used by the heart will now be available for use to achieve any other noble ambition. Exercises in concentration are not only for the under-achievers, but are diligently practiced even by those seasoned in meditative practices. The mind is like a wild cat and needs to be tamed.

Each of you is born with a certain degree of latent developed concentration, but the more you are aware of the existence of this power, and the more you seek to consciously use it, the more will you actually develop it. Achievers are men of concentration. Nothing of essence in life is achieved without concentration.

Be it in life, business, sport, art, or healing, concentration is the real key which helps one harness one's inner divine potential. Concentration aids you in drawing more of the life energy into your physical self and thereby raising your level of existence to higher layers of awareness. As you spiritualise your consciousness through channeled techniques of concentration, your energy pattern becomes more vibrant and pure, ushering all round tranquility and calmness into the temple of your mind. Self-mastery demands tremendous will power and wise channeling of conserved concentrated energy, re-directed in the best possible way. Achievers have done it so can under-achievers?

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Wednesday, August 20, 2008

Why Achievers Use Sport Programming Techniques To Program Themselves For Success?


Look at the performance of the world class athletes and you will understand why they are the achievers. How can they maintain their peak performance all year round breaking records after records? Why are they the best athletes in their sporting field?

Most of the athletes started off in their field with some gifted talents but what spur them to be the champion now? Is It their talents, desire, skills, etc. that drive them to be the best in the world?

Athletes have been taught and trained to program themselves for success before actual sporting events to perform the best. They rehearse their winning in their mind, felt that win before the event and play it out on the actual event that the world sees.

Coaches around the world have used sport programming techniques to program athletes for success. Coaches understand sport psychology so well that they use it to prepare the athletes to peak and achieve best their performance.

Sport psychology is the study of athletes’ behavior factors that influence their active participation in sport, exercise, and physical activity. It works with the mental aspects of sport performance such as improving mental toughness, regaining composure, increasing confidence or refining focus. Coaches focus on the strategic and physical components of competition through skill development and routine practice. However, sports psychology professionals strive to enhance the minds of athletes to help them identify the internal and external triggers that impact performance. As a result of mental game coaching, athletes are more mentally equipped to handle the pressures of competition, overcome negative thoughts or beliefs, enter the zone more quickly and remain focused for longer periods of time. All of these skills lead to improved performance and a stronger, champion mindset!

Champion athletes have mastered the mental game toughness in sports. They understand that their mindset - attitudes, beliefs, and thoughts - influence their performance behavior. They have the knowledge to perform free from mental game obstacles so they can get the most out of their athletic abilities.

Under-achievers of all ages and abilities can learn the same strategies and program themselves to perform consistently well not only in competition but also other areas in their lives, to boost their performance and give them the mental toughness skills to succeed in life.

Achievers have learned to uncover behaviors and attitudes that prevent them from performing their best. They have not only learned to excel by mastering the mental strategies to take them to the next level but they have also learned to peak their performance in life. They understood why practice is important to program their muscle memory for successful movements that carry them like a true champion in whatever they do. It can be just the speech they deliver, their body language being perceived by others, that facial smile to the people around, etc. which needed the excellent control and contraction of each muscle in their body anatomy. They have understood how the practices improve their practice efficiency that when they execute it, it’s always the best and winning formula that people inspire to emulate. They have uncovered the secrets to peak performance that under-achievers have failed to realize!

Under-achievers need to learn how to break free of their frustration caused by not performing up to your potential in life. Talent and hard work alone does not produce peak performance in life. Talent, hard work, and determination combined with mental toughness leads achievers into the winner's circle - consistently!

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Tuesday, August 19, 2008

Why Achievers Have Super Conscience Creativity?


How much creative potential do achievers have? Numerous research investigations have highlighted the importance of certain personality attributes of achievers for creative functioning. These attributes include, but are not limited to, self-confidence and a willingness to overcome obstacles, to take sensible risks, and to tolerate ambiguity. Achievers deliberately make super conscience efforts to pursue ideas that are unknown or controversial often means defying the crowd.

Because of their intrinsic, task-focused motivation they have the capability to come out with creative works. Achievers rarely do truly creative work in an area unless they really love what they are doing. This love and passion allow them to focus on the work rather than on the potential rewards. Interestingly, carrying out their creative activities also simultaneously helps to generate their intrinsic motivation.

For their creative works to evolve, achievers need an environment that is supportive and rewarding of their creative ideas. They could have all of the internal resources needed to think creatively, but without some kind of environmental support such as a forum for proposing those ideas and constructive feedback, their creativity might never be displayed.

All creativity actually begins with a seed of an idea. The problems with under-achievers are they don't feel like they ever have any ideas. When the truth is they have plenty, they just don't capture them, and then forget they ever had them in the first place.

Achievers make a conscience effort to keep an Ideas Journal with them - a notebook to jot down creative ideas as they come to them - and get into the habit of using it. The more ideas they capture, the more ideas will follow. It's like one big ideas party in their journal!

Achievers believe they are highly creative. However, under-achievers can’t be creative because don't think they are creative. Their beliefs are the ceiling for their creativity, and if their ceilings are low, you're short changing them in what you're capable of. Underachievers have to start by looking at their current beliefs around creating and how creative they are. Do they think: "I am highly creative and my ideas flow like a raging river"? Or do they believe: "I will always struggle to create; I've barely any natural talent"? Identify all their beliefs, highlight the positive ones, and turn the negative ones around. They have to begin to think of themselves as a creative person and of creativeness as a set of skills that they can practice and get better at using. Next, they have to make conscience efforts to surround themselves with people who love and support them, particularly those who can give them honest and constructive feedback. They also have to try to expose themselves to a diversity of environments, cultures, ideas, and symbols.

By learning to experiment with creative thinking techniques, such as mind-mapping, brainstorming, lateral thinking, simulation exercises, etc., they test out their thoughts and ideas in a variety of media. They also need to take time to relax and rest their mind to properly reflect on and digest different ideas.

Achievers try to probe deeper on things that, on the surface, seem obvious. They are not afraid to ask questions. Some of the most penetrating questions are so-called ‘dumb’ questions. The only dumb questions are the ones that are not asked. They will make time meditating on their own strengths and weaknesses, and understanding and overcoming their personal blocks to creativity. These obstacles could be a big ego, fear of embarrassment, negative thinking, entrenched routines, and self-criticism.

It is important to remember that creativity requires great patience and humility; a willingness to work hard for creative outcomes; and, deep concentration on the power of intrinsic creative forces. Believe you can become a creative achiever today by making super conscience efforts to be creative from here!

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members.


Sean Toh &
Credit Plus Health's Team

Monday, August 18, 2008

Why Achievers Understand ‘TOO SOON OLD! TOO LATE SMART!’ Concept So Well?


Too soon we get old, and too late we get smart is the old Yiddish proverb! Generally, under-achievers get smart too late in their lives. By the time, when they are smart, they are also too old to be able to reap many benefits from life after being smart. Achievers seemed to understand this concept “Too Soon Old! Too Late Smart!” so well that they want to be smart first before they are too old to achieve anything or whatever goals they set in life.

Achievers understand that by making slow and steady contributions just to win the day they don’t have to rush later in life. They can then enjoy their fruits of labors while they are still young. They start their day early; investing everything they can afford to, and they know that the resources they invested in are working for them in the long term to bear fruits of successes for them.

Under-achievers fail to understand themselves well enough in their relations with their environments and interactions to be able to make very decisive choices to be smart. Their stubborn characteristic and fear of failing prevent them from being smart to learn from the processes. Instead of moving on and learning something from that encounter, they devoted their time and resources in doing things that they could never excel in and they will complain about life and grow old in the process.

Times flies! Achievers want to learn so fast and they want to become smart fast before they are too old, enjoying all their fruits of labors. They will make informed decisions and they are rational in abandoning activities that are not productive, not leveraging enough or they can never be good at from their in-depth understanding of themselves even if they have the perseverance to continue doing them. They understand themselves so well that they want to make very decisive judgments to succeed before they are too old.

More often, underachievers describe themselves as living a boring or conflicted coexistence that makes economic sense but lacking in excitement or emotional satisfaction. Much of their difficulty in developing & sustaining personal relationships resides in their failure to recognise, in themselves as well as in others, those personality characteristics that make them a poor candidate for a committed relationship.

Under-achievers often ask for medication. They are tired of their sad mood, fatigue, & loss of interest in things that previously gave them pleasure. They are having trouble sleeping or they sleep all the time; their appetites are absent or excessive. They are irritable & their memories are shot. Often they wish they were dead. They have trouble remembering what it is to be happy.

From my research into the behaviors of under-achievers, there are certain recurring themes in their stories: Others in their families have lived similarly discouraged lives. The relationships in which they now find themselves are either full of conflict or “low temperature,” with little passion or intimacy. Their days are routine: unsatisfying jobs, few friends, lots of boredom. They feel cut off from the pleasures enjoyed by others. They tend to devote great amounts of time & energy to efforts to assert control over what happens to them in their uncertain progress through life. They are taught to pursue an elusive form of security, primarily through the acquisition of material goods & the means to obtain them. There is a kind of track that they are put on early in life with the implicit suggestion that, if they ‘succeed,’ they will be happy.

Achievers will look at the way they are living with an eye to change. They will not be always talking about what they want, what they intent. Those are dreams and wishes, and are of little value in changing their mood. They are not what they think, or what they say, or how they feel. They are what they do. They educate themselves that not being in control is a popular illusion closely related to the pursuit of perfection. They have come to understand that such a world is impossible, sometimes they would even go to great lengths to achieve whatever control they can over those around them through the exercise of power or manipulation. Instead, they would learn to be smart and go on to do what they can achieve every single minutes of their time and achieve a lot more out of life as compared to most under-achievers.

Learning to be “Too Soon Smart! Too Late Old!” will take some form of paradigm change and education for the under-achievers before they can achieve some success in their lives!

Here are 30 true things under-achievers might need to know, re-educate and change themselves for more success in their lives.

1.If the map doesn’t agree with the ground, the map is wrong.
2.We are what we do.
3.It is difficult to remove by logic an idea not placed there by logic in the first place.
4.The statute of limitations has expired on most of our childhood traumas.
5.Any relationship is under the control of the person who cares the least.
6.Feelings follow behaviour.
7.Be bold, & mighty forces will come to your aid.
8.The perfect is the enemy of the good.
9.Life’s two most important questions are ‘why? & ‘why not? The trick is knowing which one to ask.
10.Our greatest strengths are our greatest weaknesses.
11.The most secure prisons are those we construct for ourselves.
12.The problems of the elderly are frequently serious but seldom interesting.
13.Happiness is the ultimate risk.
14.True love is the apple of Eden.
15.Only bad things happen quickly.
16.Not all who wander are lost.
17.Unrequited love is painful but not romantic.
18.There is nothing more pointless, or common, than doing the same things & expecting different results.
19.We flee from the truth in vain.
20.It’s a poor idea to lie to oneself.
21.We are all prone to the myth of the perfect stranger.
22.Love is never lost, not even in death.
23.Nobody likes to be told what to do.
24.The major advantage of illness is that it provides relief from responsibility.
25.We are afraid of the wrong things.
26.Parents have a limited ability to shape children’s behaviour, except for the worst.
27.The only real paradises are those we have lost.
28.Of all the forms of courage, the ability to laugh is the most profoundly therapeutic.
29.Mental health requires freedom of choice.
30.Forgiveness is a form of letting go, but they are not the same thing.

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Sean Toh &
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Friday, August 15, 2008

Why Achievers Set Goals That Are In Harmony With Each Other And In Line With Their Values?


Achievers and under-achievers set goals. Yet, most goals set by under-achievers remain unfulfilled. Goal setting is the most important tool achievers have learned to use to leverage their success. Achievers are very focused in their lives and they use goal setting to create their destiny. Focus is the one key quality that is consistently found in people who are high achievers. Yet through the years, in study after study, it is found that only 4 percent of the population ever set goals by writing them down. What is even more astonishing is that the 4 percent of people who write their goals down achieve them almost 100 percent of the time. If goals setting are so powerful, and successful, then why do so many under-achievers not actively engage in creating their own destiny?
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Achievers know where they want to go and they have a sense of purpose or meaning in life filled with dreams and visions which they would like to achieve. Their goals are dreams with deadlines which propel them on their journey of self-discovery and self-achievement.
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Under-achievers don’t have goals. They have wishes, desires, hopes, and dreams. Dreams come to them as they go about their daily life. Wishes dart in and out of their daily consciousness. They think of new interests they will like to pursue, changes they like to make, and great things they hope to achieve someday. They are pretty sure they have the ability and fully intend to do all those things sometime in the future.
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It seemed that goal setting is the single most important life skill that unfortunately over 96% of under-achievers never learn how to do properly. Goal setting affects every single area of your life, whether it is financial, physical, personal development, relationships, or even spiritual in nature. Not surprisingly, it’s those top 4% that earn most of the money, or who are the best athletes in the world, or achieve optimal health and happiness in their lives, while the greater majority of people spend their days griping, complaining and blaming about those top achievers.
What the achievers have learned to do when setting their goals which the underachievers do not know is to set realistic goals that are in harmony to each other and in line with their values. Goals set by achievers are clear & concise. They will make sure they are written down and have deadlines. Under-achievers write goals that are not clear & concise without an expected date of attainment. The main difference here is achievers set goals and under-achievers set a wish. Wishes are okay if waiting for someone else or something else to grant the under-achievers. You see, achievers make sure that they breathe life into their goals so they can have the strength to prod them along the path of success. The key to the achievers’ goals is it must be in harmony with their life's priorities. If they aren't, they will either experience disenchantment if they attain them, or more likely, they experience a frustrating series of sub-conscious self-sabotage that under-achievers always experienced.
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Achievers never set conflicting goals in life or they will be conflicted. Their goals are always in harmony with their core beliefs and self-assigned purpose in life which they understand that to have conflicting goals will raise their stress levels and frustrate them. Yet, under-achievers do that to themselves all the time. It is not so easy to understand that under-achievers may have some deep-set unconscious game plan for their life (whether from some basic spiritual urge or from some sense of undefined purpose) and the goals they set may actually be in conflict with that really desired.
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Decide if you are an achiever and what you are here to do and then set your goals in alignment with yourself, on a subconscious or super conscious level? Goal setting is something that will transform your life, because mastering the process of setting and achieving goals is at the heart of life itself. The energy generated by repeatedly setting and achieving your own goals is an energy that can work miracles. Nothing you will ever do can even approach the motivating power that comes from setting demanding goals, measuring your progress toward them, and then systematically achieving them.
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Effective goals will keep you incredibly focused. Nothing will get in your way. Effective goals will liberate you rather than shackle you. They will improve the quality of your life. Effective goals will give you life balance, they will motivate you, they will challenge you, and they will allow you to create your own destiny. Without goals, you can only dream your dreams just like an under-achiever!
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P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members.
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Sean Toh &
Credit Plus Health's Team

Thursday, August 14, 2008

Why An Achiever’s Self-Concept Is Based On His Beliefs?


There is a great deal of research which shows that the self-concept of an achiever is, perhaps, the basis for all his motivated behavior. It is his self-concept that gives rise to his possible selves, and it is his possible selves that create the motivation for his behavior. Achievers have great self-esteem that clearly differentiated their self-concept. Achievers know themselves and they maximize outcomes because they know what they can and cannot do.

Achievers generally develop and maintain their self-concept through the process of taking action and then reflecting on what they have done and what others tell them about what they have done. They reflect on what they have done and can do in comparison to their expectations and the expectations of others and to the characteristics and accomplishments of others.

Self-concept is not innate, but is developed or constructed by an achiever through interaction with his environment and reflecting on that interaction. This dynamic aspect of self-concept is important because it indicates that it can be modified or changed. There is a growing body of research which indicates that it is possible to change the self-concept. Self-change is not something that people can will but rather it depends on the process of self-reflection. Through self-reflection, he often comes to view himself in a new, more powerful way, and it is through this new, more powerful way of viewing the self that he develops possible selves. The stronger and positive the beliefs, the more unique and greater self-concept will be evolved through this interactions around the self.

There are several different components of an achiever’s self-concept: physical, academic, social, and transpersonal. The physical aspect of his self-concept relates to that which is concrete: what he looks like, his sex, height, weight, etc.; what kind of clothes he wears; what kind of car he drive; what kind of home he live in; and so forth. His academic self-concept relates to how well he does in school or how well he learns. There are two levels: a general academic self-concept of how good he is overall and a set of specific content-related self-concepts that describe how good he is in math, science, language arts, social science, etc. The social self-concept describes how he relates to other people and the transpersonal self-concept describes how he relates to the supernatural or unknowns.

An achiever understands that his self-concept is his individual's conceptualization about how he thinks about himself. It is a subjective sense of his self and his complex mixture of unconscious and conscious thoughts, attitudes, and perceptions. His self-concept provides him a frame of reference that affects his management of all situations and relationships with others. His self-concept, or how he thinks about himself, directly affects his self-esteem which gives rise to his evolving confidence that an under-achiever is always lacking.

An under-achiever’s negative self-concept gives a sense of meaningless, emptiness, and inconsistency to him. An unhealthy self-concept has a high degree of instability and generates negative feelings toward him. When his poor beliefs reinforce his self-concept, his self-esteem is lowered as a result. In a way, his self concept is dependent upon how he thinks about himself in relation to the world, and the qualities that he ascribes to himself. How he thinks he has performed depends on his beliefs he received from the environments or interactions!

Fortunately, you can get rid of those self-limiting beliefs. However, you have to identify them first. They could be lurking in the recesses of your minds without your awareness. Talking with a friend or consulting with a coach could give you more objective feedback as to their existence.

Once you have identified them, these limiting beliefs must be challenged every time they rear your heads. You must consciously reject any thoughts or suggestions that you are limited in any way. There is nothing you cannot do. You simply need to find your way and follow it to conclusion.

When the self-limiting thoughts are starved of attention, they wither and die. Whatever you give attention to magnify: whatever you do not attend to shrivel up and die. You cannot take the mild approach to the weeds in your mental garden. You have got to hate weeds enough to kill them. Weeds are not something you handle; weeds are something you devastate.

No one is better than you are. If others do better, it is simply because they have had more practice, more experience, and/or they know something that you don’t. And all this can be remedied. It’s what you build upon your initial investment that makes the difference.

Hence, dynamic inter-relationship between your thoughts, beliefs, and personal core values, all feed into your self-concept and self-esteem development, and in turn, your self-empowerment. Your empowering beliefs such as 'I am capable of achieving anything I desire to; support your hopes and dreams. If you hold negative beliefs such as 'I am not worthy to do what I dream of', you are actually undermining your potential. Beliefs are at work even when you are not consciously thinking of them. Achievers address any negative self talk and beliefs, whether at the conscious level or the subconscious to be the best they always will be!

Click here to Tell Your Friends Now!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

Why Achievers Maintain High Level Of Health And Physical Energy?


Have you ever wonder why achievers have so much energy overcoming great challenges and yet achieve what they set out to do? After researching and reading into people of great successes, I realize that all these achievers have created for themselves a health plan to enable them to have far more physical energy and also to maintain a high level of health that allow them to strive for the greatest success they always desire.

Achievers know that the better they take care of themselves, the more calm, positive, and creative they will be. This is why often their best thinking, their best ideas and their best decisions come after a holiday, vacation or period of rest. They increase the quality of their lives by eating right and getting the right amount of rest. They also find that by taking more time off they create more opportunities for high quality thinking time which will have a positive effect on their lives, career and income. They enjoy high levels of health and vitality and they also understand that their current levels of energy and physical well-being are perhaps the best indicator as to how well they are currently doing in your life.

The best investment an achiever can ever make is his body. It pays for itself over and over again, every minute, every hour and every day. As he develops the habit of good health, nutrition, exercise and overall proper care for his body, it affects every other area of his life in a healthy and positive way as well. The quantity and quality of his energy flow deeply affect his emotions, thoughts and reactions. The quality of his relationships, productivity, creativity and health all depend upon creating a high level of harmoniously flowing energy.

Simple techniques and methods that have been researched and proven to maintaining high levels of vitality and physical health that have been incorporated in an achiever’s lifestyles should be;

1.Maintain a proper diet. Eating a proper diet requires that you eat more fruits, vegetables, whole grain cereals, and more lean sources of protein. Eat more fish, chicken, prime cuts of meats, egg whites, low fat yogurts, and soy products. When you eliminate most fats from your diet and replace them with high-quality vegetables and lean-sourced protein you'll increase your levels of energy, clear your mind, and lose weight.

2.Maintain proper hydration. Water is one of the greatest aids to good health that you can possibly consume. Studies show that you should drink eight glasses of water daily and more if you're doing physical labor or exercising. In fact, medical studies have shown that as much as 70 percent of all health problems can be eliminated or reduced by increasing your water consumption. This is mainly because of the tremendous amount of toxins and impurities that you flush from your body when you drink water.

3.Maintain the proper weight. This simply means that you should eat less and exercise more. The way you think plays a dominant role in your eating and exercise habits. For example, under-achievers who are overweight often think about the pleasure of eating and give little or no thought to how they will look and feel afterwards. Whereas achievers who are never overweight are usually very thoughtful about how they will look and feel after eating. They don't like the feeling of being full or looking fat, so they eat less and stop eating sooner.

4.Get the right amount of exercise. Studies show that on average you need to get 200 minutes of exercise weekly or about 25 minutes per day to maintain a high level of fitness. You can get daily exercise from a variety of activities such as, walking, swimming, cycling, golf, tennis and exercise equipment. Perhaps the best exercise you can get is doing aerobics for 20 to 30 minutes, 3 to 5 times per week. One important note on exercise: Before you start an exercise routine you should get a complete medical check-up.

5.Get the right amount of daily vitamins and minerals. It's almost impossible to get the right amount daily vitamins and minerals that you need from diet alone. This is why you should at the very least take a multi-vitamin each day. Opinions vary widely on which vitamin, mineral and herbal supplements are good and how much of each you should take. You should consult your doctor or a nutritionist before you start taking other supplements in addition to a multi-vitamin.

6.Get the right amount of rest and relaxation. You need 7 to 8 hours of sleep each night to be fully rested. It's important that you give your body, mind and emotions time to recuperate from the day. You can take a short 20 minutes nap during the day. Have at least one day set aside during the week just for your family and recreation where you don't think about your work at all. Here's an important rule to remember: The time when you most need time off is when you don't have time to take time off.

7.Breathing techniques are essential for the abundant flow of vital energy throughout the body and mind. Bio-energy is the basis of all physical and mental functions. Breathing exercises are one of the most effective ways to increase our energy level and keep it steady and harmonious so we will be less susceptible to low emotional states or illness. We should, however, have the guidance of person experienced in breathing techniques before we begin.

8.Creative self-expression is much more important to our physical, emotional and spiritual health and harmony than most people imagine. Man is a creative being. Our purpose on earth is to create in some way. We might create a family, a business, a farm, a painting, a piece of music, a dance, etc. Creative self-expression is essential for our health, harmony and happiness.

9.Discover your spiritual orientation. Each of us has his own personal relationship with the universe. Whether or not we adhere to any particular religion, it is important for our inner balance that we feel and cultivate our relationship with the whole as humanity, as nature, or as God.

10.Increase your self-knowledge of your body. We need to comprehend our own inner mechanisms, needs, desires, fears, expectations, beliefs and subconscious workings in order to free ourselves from the negative emotions, mechanisms or which undermine our health, happiness and relationships.

Achievers think of their body as a machine that is designed to last 100 to 120 years with the proper care and maintenance. They take good care of it and feed their body the proper foods and nutrients. Drink lots of water. Exercise regularly. Rest and recuperate, and give their body a chance to recharge on a regular basis.

The phrase that "you become what you think about" is never truer than when it comes to eating and exercise. The way achievers think about food and exercise determines how much they eat and how much they exercise they get. If achievers change their thinking about food and exercise, underachievers should change their behavior toward both so as to maintain high level of health and physical energy to spur themselves into greater heights!

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members.

Click here to Tell Your Friends Now!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

Why Achievers Create New Successful Habits Pattern?


It takes time for achievers to learn to be successful too! Achievers are always in the process of reinventing themselves and learning new ways of being. They bother to take the time to learn what it takes to be a successful achiever.

One of the main things that an achiever learns to do in his life -- and it is not taught in the home or in the schools -- is self-analysis. He learns to analyze himself to be in touch with his personality by understanding his habit patterns. Underachievers find it very difficult to be consciously aware of every action they perform and realize that their actions are virtually their thoughts. Without thought there can be no action! Habit patterns and thoughts are revealed through the behavior!

An achiever has numerous habits; he understands his personality by understanding his habit patterns. A habit pattern is a conscious thought or action that he repeats again and again. This creates a groove in his unconscious mind and forms an unconscious habit. Unconscious habits are stronger than conscious habits. All habit patterns are self-created by the achiever himself. When he sits down and tries to understand which of his habits control his life, he sees that there are many deep-rooted habits within him. He studies them. Once he becomes aware of his harmful thoughts and emotions that have created deep grooves in the mind, he will begin to change them by creating new grooves. Then his mind will stop flowing to the old grooves and start flowing to the new ones. In this way an achiever changes his habits.

Deep-seated poor habits keep under-achievers from doing what would be good for them to do. He becomes helpless because of the obsessions and addictions that are caused by his poor habits. He may continues in a habit that he knows is not good -- that is neither healthy nor helpful and that should not be done -- because the habit has become so deep-rooted that he is powerless to change his behavior. Society does not help him change his bad habits, and there are very few places where he can get help. Under-achiever who is in the penitentiary knows that what he has done is a crime, but the force of habit led him to act improperly. He understands what is right and what is not right -- but his deep-seated habits have motivated him to do something that is not good, that is not acceptable.

Success comes from behaviors, which start out as thoughts. To change the habits or behaviors, an under-achiever will need to have different thoughts. What occupies the mind – the thoughts – propels achievers to behave in a certain way. If the achiever doesn’t like the results of his behavior, all he needs to do is to change his thoughts. Renewing or shifting from the current thoughts to those that are desired brings about transformation or change in the lives. This is what is known as having a paradigm shift – adopting a new way of thinking, of doing things, of behavior.

The good thing about habits is that they are acquired over time through learning, nuances, brainwashing and experiences. Since they are acquired, they can be replaced by changing the thought patterns that fostered them in the first place. To replace negative, self-limiting thought patterns, which is called “mental patterns of failure”; under-achiever must set as a first goal to reduce the impact of these patterns, and this cannot be done overnight. Just as it took time to acquire these mental patterns of failure, it will take time to release them and replace them with ‘mental patterns of success’. Achievers are those who rid themselves of their patterns of failure by brushing off distractions. When there are no pattern of failure limiting their progress, under-achievers are able to overcome temporary setbacks at the thought level. Since the battle for success is won or lost at the thought level, the success or failure in this arena is what makes you an achiever or under-achiever. Success comes naturally when the mastery of learning to control the thought patterns takes place. Mustering the art of thought control, no longer will under-achiever will be ‘tempted to act opposite to what he know is best. He can keep fear at a minimum and doubt is nowhere to be found.’

As I conclude, I believe that over 80 per cent of the setbacks that we face in life have their origin in how we think or react to life’s issues. How we think informs how we behave, and consequently the kind of actions we take – and the success we attain in life is largely dependent on the actions we take.

Most of the limitations that we encounter in life are self-imposed – and therefore can be overcome. As I have mentioned above, the battle is either won or lost at the thought level. If you feed your mind with thoughts that influence positive behavior, you will take positive actions and therefore achieve positive results. On the other hand, if you feed your mind with negative thoughts, you will behave negatively and take negative actions – resulting in failure.

My call to you today is to embark on an unlearning or relearning process. You need to unlearn all the negative habits that take your efforts away from success. On the other hand, if you have managed to inculcate positive habits in your life, you need to keep relearning these habits to ensure that doubt or failure will never have a foothold in your life. If you keep doing this constantly and consistently, you will, without doubt, attain gratifying success like most achievers.

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members.

Click here to Tell Your Friends Now!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

Wednesday, August 13, 2008

Why Achievers Set “Peace of Mind” As Their Highest Goal?


Achievers seemed to be able to maintain a state called “Peace of Mind” when they are striving for their goals. When their mind is in a state of “Peace”, an achiever has more mental resources and energy to think best and excel in making the best decision than the under-achievers in the journey of pursuing success if he encounters challenges.

One of the highest and most important goals an achiever set is the goal of having “Peace of Mind”. By setting this goal and working towards achieving it, achievers hold themselves to the standard of inner peace, and they will find that every decision they make will turn out to be the best decision. They have more energy, enthusiasm, and become more creative. They become a kinder, gentler, and a more loving person. When they set “Peace of Mind” as their standard, they will tap into a source of wisdom that will guide them without fail toward doing and saying the right things in every circumstance.

Most under-achievers have peace of mind only when they are asleep. Perhaps this is possible only when they are physically tired or exhausted, and the urge to sleep is stronger than the need to have peace of mind. The trouble lies in the under-achievers’ mind. Their mind is made up of fear, self-pity, insecurity, and failures, to name a few. All of these are products of negative thinking that pollutes the mind unnecessarily.

Achievers face troubles with courage by casting out the negative feelings of fear and insecurity. Empty their mind of all these negative habits and they don’t leave their mind empty for long to prevent it from leaning back to the negative side. They will cast out all the negative thoughts by emptying them from their mind, and refill with positive and inspiring thoughts.

A troubled mind is like a storm in your mind. Once the problem is gone, you will have peace of mind. Try to build a strong foundation of positive attitudes so that when another storm hits your mind, you’re prepared to face it. This is similar to practicing positive attitudes.

There are many ways to generate a peaceful mind. Think of words that suggest a calm mind - words like tranquil (a tranquil sea), serene, harmony, and stillness. Read poems, phrases, and excerpts that suggest a peaceful mind. You can also join group talks where the discussion is centered on how to achieve a mind harmonious with peace, love, and happiness. If you prefer to be on your own, moments of silence can make you obtain peace of mind. The library is a suitable place to be in. Pick up a book that suggests peace of mind and you may be able to find other means to obtain your objective.

Another good way is to use visualization. You can try visualizing peaceful scenes in your mind. For instance, you can initially picture in your mind a rainforest being battered by stormy weather. Branches of trees are vigorously swinging in all directions. Everything seems to be chaotic, just like a troubled mind. But storms don’t last. They move on. When they leave, sunshine or good weather comes in.

Another very effective method is to practice quiet meditation on a daily basis. You should set aside 30 to 60 minutes each day for meditation. When you begin to practice meditation on a daily basis, you’ll begin to experience a flow of energy coming into your mind and body. You’ll have a tremendous sense of well-being, and a stream of ideas will flow through your mind. And, most importantly, you’ll get the answer to the most important situation facing you every single time you meditate.

Do these processes as often as necessary - every time you think you need to. By repeating this process, you are practicing good habits aimed at keeping your mind free of negative thoughts and full of positive vibrations to achieve peace of mind.

Ultimately, this habit will become part of your daily activities until you get used to it. Once you do, you will find everything you do to be positive based in an effortless manner.

Set peace of mind as your highest goal. Associate only with achievers and work in situations that make you happy and contribute to your sense of inner peace and well-being.


P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members.

Click here to Tell Your Friends Now!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

Monday, July 14, 2008

Success Is Never Final!



Hi Friends,

Hope you have a great day today because I’m having a great time writing for the world! Today is the day that I would just like to say “ Thank You” by sharing with the world some wisdom I happened to come across from a blog called “ Success Is Never Final”.
First of all, I must say that the title of the blog – “Success Is Never Final” is something that I could relate with in my life. People are so judgmental that when one fails to make it in life, they are considered a loser at that point. Most successful people in fact have failed lots in their lives before they succeeded in achieving what they set out to do. Success is definitely never final!

Who is this author who came out with this blog? Actually, he is a young gentleman by the name of Halim Gafoor. Above is a picture of Halim that I seek his permission to allow me to post on my blog and websites.

A young gentleman with great determination and perseverance who believes he can achieve a lot more in life not just for himself but for the world. Halim continues to learn from as many mentors as he could in life not just from the school but also from his immediate family members like his uncles. He learned a lot from his Uncle, Mohamad Ismail, who also happened to be the CEO of PropNex, Singapore largest leader in Real Estate Industry. Besides his uncles, the closest people he respected most are his father and mother who gave him all the emotional supports needed to drive his successes in life.
I shall not describe too much about him but let his pictures tell you what he is capable of. He is also one of youngest gentleman that I happened to know who is NLP (Neuro-Linguistic Programming) certified. Why would a young gentleman want to be NLP certified? Maybe, you could answer that for me!



There was one particular post in his blog that I like titled “How to deal with failure”. I shall leave you with the excerpt of the post.

One of the most important things you need to know about success is how to manage failure. As paradoxical (If something is paradoxical, it involves two facts or qualities which seem to contradict each other) as it may sound, how you deal with failure is one of the best indicators of your chances of achieving success. Now let’s be frank – dealing with failure is not easy. It is hard to accept failure. It hurts your pride. It does not feel good to fail. Yet, in order to achieve success you must not only be comfortable with failure, you must actually embrace it.

Have you ever seen someone who is hanging on to a failure and simply will not let go of it? It is very sad scenery. People that have a hard time dealing with failure tend to go in total denial about their failures. They ignore all the signs that are telling them they are at a dead end and they tend to dig themselves into a deeper and deeper hole. They spin and rationalize everything. The have a million reasons, or as some would call it, excuses, as to why they are in the situation they are in. They will spend countless hours justifying it, renaming it, redefining, it. They will do everything but the one and only right thing to do when faced with failure – embrace it.

When faced with failure, the most important thing you need to do first is recognize it and admit that you failed. If you can get past this one simple, but incredibly difficult hurdle, you will then be in a great position to do the second most important thing you need to do when you fail – learn from your mistakes. If you are truly committed to success, absorb and live by these words:

Failure is nothing but nature’s way of telling you that the way you went about it was not the right way.

Do you have strong failure management skills? The questions below will help test your ability to manage failure and achieve success:

Do You Share Your Mistakes with Others?

If you are afraid of sharing your mistakes with others, that is a good indication that you are not comfortable with failure. Make it a habit to share your mistakes with others. Be comfortable with your mistakes and failures to the point where talking about them does not bother you anymore.

Do You Only Do Things You Know Will Succeed?

If you hear someone say “I never failed” – watch out. This is a strong indicator that this person has never really experienced success because they so narrowly define the boundaries of what they are willing to try that they never get past mediocrity.

Are You Very Conscious of Your Mistakes?

When you do something wrong, if you become overly conscious of your mistake you will limit your ability to achieve success. It is very important that you not spend too much time thinking about past mistakes. Learn from them and move on. Do not let past mistakes prevent you from achieving future success.

Do You Think Failure is Shameful?

If you do, you need to get past this way of thinking. There is absolutely nothing shameful about failure. Failure is simply the result of an experiment. Failure is a powerful lesson of what not to do in the future. Failure is the best way to get to success.

Do you get the true meaning of what failure is trying to tell you? I hope you do. I hope you embrace failure. I hope you fail hard. I hope you fail often. The quicker you embrace failure, the quicker you will achieve success!



Yours Sincerely
Halim Gafoor
Teenage Motivational Speaker
www.succesisyours.blogspot.com

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members. Click here to Tell Your Friends Now!

Sean Toh &
Credit Plus Health's Team

Thursday, July 03, 2008

ASIA’S VERY OWN ANTHONY ROBBINS?



Hi Friends,

Today, I would like share with all of you an interview by "The Executive" on my good friend, Alan Yip, Founder of Mind Edge!

The headline was " Asia's Very Own Anthony Robbins ". I read the headline and straight away I was putting myself into Alan's mind. I was actually trying to understand why achievers can achieve much more than most average people.

In this headline, Alan is actually using Anthony Robbins as a role model and mentor to model after to motivate himself to achieve a standard that he feels will be a great standard to exceed his performance. In that same headline, Asia is the region that he was actually trying to empower the people with Mind Edge's learning technologies as they will be next generations of people shaping, leading the world economies and impacting the world with their implemented policies. The policies that they decide and make in the future will have tremedous impacts to the world developments, growth, stability, etc.

I always like to read the lauguages expressed, listen to the intonations and words said and understand how people think, behave, talk and act based upon certain stimulus conditions and environments because their expressions are in fact linked to how and what they are thinking in their minds. I have benefitted from reading this interview and I believe you will benefit from it too!

Read this interview and you will understand why "Mind Edge" will be a gobal leading force that you will want to be part of it because it's going to shape your "Minds with the Edges" that allows you to believe you can do anything you choose to do!

Interview On Alan Yip, Mind Edge's Founder & Peak Performance Trainer, by "The Executive."

To learn more about Alan, download a copy of Alan's profile and experiences and you might just be interested in engaging "MindEdge" for your corporate staffs' developement training!

http://www.smu.edu.sg/centres/usea/pdf/Alan%20Yip_Profile.pdf

Yours Sincerely
Sean Toh
Author of “4 Steps To Financial Freedom”
http://seantoh.mymangosteen.com/
http://www.creditplushealth.discovermangosteen.com/
http://seantoh.com/
http://creditplushealth.org/

Sunday, May 25, 2008

Secure Retirement Plus By Manulife Financial Has My Thumb-Up!



Hi Friends,

The latest launch of “The Secure Retirement Plus” by Manulife Financial has my “Thumb-Up” if you are looking for a great financial product to plan for your retirement objectives.

This latest product by Manulife Financial is launch by very reputable insurer which is the sixth biggest group in the world with a strong financial rating of “AAA” given by Standard & Poors.

This product has won Manulife Financial the best insurer to receive “The Best Innovative & Financial Product of The Year” awarded by MAS (Monetary Authority of Singapore).

Below are some information about this new product. For more information and advice to suit your retirement goals, consult your financial advisor about this new latest product – “ Secure Retirement Plus!”


Yours Sincerely
Sean Toh &
Credit Plus Health's Team

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members. Click here to Tell Your Friends Now!

P.P.S. Feel free to ask Sean Toh your single most important question about personal investing and health matters that will help you get started on this journey to create wealth for yourself? Ask Sean Toh Now!

Contact Us

For more information on how we can assist you in developing your personalized wealth management solutions, please free free to submit your enquiries to seantoh@creditplushealth.org and we will contact you.

Friday, April 25, 2008

Rich Dad 2008 Predictions


Dear Friends,

Do you know about "The Secret of Why The Rich Got Even Richer"? The Secret has been revealed in a new issue of Google Video but this video might not be known to people who are too busy working their lives away without devoting some of time in their financial education. It was featured in Rich Dad's Show in America and might not be accessible to some people unless you have the time to search on the net for it.

In fact, MILLIONS of people around the world might not have watched this groundbreaking video and discovered The Secret for themselves. If you haven't, I seriously think it's high time you do and get a better conclusion and financial education for yourself and share with people you know!

Click here to Tell Your Friends Now!

I did some 'snooping' on the Net and I managed to find a sneak preview video of The Secret for you. I highly recommend you watch this and enjoy the show. I guarantee you will definitely enjoy this one.

Click Here To Watch This Video That Will Affect You For The Next 5 Years or Even Your Whole Life!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members. Click here to Tell Your Friends Now!
P.P.S. Feel free to ask Sean Toh your single most important question about personal investing and health matters that will help you get started on this journey to create wealth for yourself? Ask Sean Toh Now!

Contact Us

For more information on how we can assist you in developing your personalized wealth management solutions, please free free to submit your enquiries to seantoh@creditplushealth.org and we will contact you.

Wednesday, April 23, 2008

Team Up With 9 Time Olympic Gold Medalist Carl Lewis And Top Rated Internet Marketing Expert Corey Citron!



"I drink XanGo Juice every day at every meal."





" The Olympic year is always a big year for Carl and now with XanGo it is for you too."

The Continuous Improvement Formula



Put Your Career on the Fast Track

There are many things you can do to put your career onto the fast track. You can set clear, specific goals for each area of your life and then make plans to accomplish them. You can plan your work and work your plan.

Ask For Greater Responsibility

You can accept 100% responsibility for everything you are and everything you become. You can refuse to make excuses or to blame others. You can tell your boss that you want greater responsibilities and then when you get them, put your whole heart into doing an excellent job.

Utilize Your Inborn Talents

In the parable of the talents in the New Testament, Jesus says, "Oh good and faithful servant, you have been faithful over small things. I will make you master over large things."

If you too will carry out every assignment to the very best of your ability, you will be given larger and more important things to do and you'll be paid more as a result.

Dedicate Yourself to Continuous Improvement

The key to long term success is for you to dedicate yourself to continuous improvement. If you become one tenth of one percent more productive each day, that amounts to 1/1000th improvement per working day. Is that possible? Of course it is!

Improve a Little at a Time

If you become one tenth of one percent more productive each day, that amounts to one half of one percent more productive each week. One half of one percent more productive each week amounts to two percent more productive each month and 26% more productive each year.

The cumulative effect if becoming a tiny bit better at your field and more productive amounts to a tremendous increase in your value and your output over time.

How to Double Your Productivity

Twenty-six percent more productive each year, with compounding, amounts to doubling your overall productivity and performance every 2.7 years. If you become 26% more productive each year, with compounding, times 10 years, you will be 1004% more productive over the next decade. That is an increase of ten times over ten years.

The Reason For All Great Successes

This is called the Law of Accumulation, or the Principle of Incremental Improvement. It is the primary reason for all great success stories. By the yard, it’s hard. But inch by inch, anything’s a cinch!

Become A 1000% Person

Make a decision, right now, to be a 1000% person. Commit yourself to continuous personal and professional development. Read, listen to audio programs and take additional courses. This process will completely transform your life.

Action Exercises

Here are two things you can do to put these ideas into action immediately.

First, make a plan to become a little bit better every single day. Learn and apply one new idea each day to help you to become more productive and effective at your work. The incremental effect will amaze you.

Second, be patient. Don’t expect overnight changes or instant results. Remember the story of the tortoise and the hare. Become a little bit better each day and your future will take care of itself.

"Flight Plan -- The Real Secret of Success"

You need a flight plan to succeed. I'm always amazed at how many people fail because they just don’t have a plan. And having a plan isn’t enough. Just like an airplane pilot you must make course corrections to arrive at your destination – your goals.

When you learn to create your flight plan – Your life will become a success.

Your Ticket to Success

My best-selling book will show you how to get from wherever you are today to wherever you want to be in the future. Like any good pilot, you need a flight plan that you file before you begin and that you use to guide you on your way.


Monday, April 21, 2008

I'm feeling so great in life!



Hi Friends,
Have you ever feel so great in life? Today is one of the day where I'm feeling exceptionally grateful for what I have lived my life for. Thank you everyone! Wishing you all the best in whatever you undertake. Have a positive mental mindset and you will achieve whatever you set out to do.


Yours Sincerely
Sean Toh
Author of "4 Steps To Financial Freedom"
Independent Financial Consultant
http://seantoh.mymangosteen.com/
http://www.creditplushealth.discovermangosteen.com/
http://seantoh.com/
http://creditplushealth.org/

Thursday, March 13, 2008

The Cost Of Procrastination



Hi Friends,

Do you know about the cost of procrastinating saving and investing your money? Lots of people put off the idea of regularly saving and investing their money till it's too late!

Most people undermine the effect of saving a small amount of money for the long term through a regular saving plan that invests their money that delivers returns that beat the inflation rate.

Today, I will illustrate the power of compounding your money for as long as you can because your best friend for your money is indeed your time horizon.

You can click on the image below to open up a new window to see the details of why the outcomes of different investors. Investor A and B respectively, can be so different.



Investor A started saving $500 per month and invested the money in a financial portfolio that delivered a return of 9% from the age 25. He was disciplined to save for 10 years from the age of 25 to 35 and decided to stop saving at 35.

While investor B chose to put off saving his money as he wished to enjoy his wealth first in his early years. At 36, he suddenly realized he needed to start saving for his retirement if not he would not be able to retire in the future. Hence, he embarked on the same regular saving plan as investor A at the age of 36 till he was 65 years old while investor A stopped at 36.

You would be surprised that the amount of wealth accumulated by investor A was approximately 1.5 millions while investor B only managed to accumulate half the amount what investor A had accumulated even though he saved regularly till the age of 65.

The conclusion from this illustration shows that everyone can be a millionaire if they embark on a regular saving and investing plan by saving a little amount of money with discipline and using time to help your money compound to bigger amount with a constructed investment portfolio that can deliver at higher interest rate that will beat the inflation rate.

Remember, the longer your time horizon, the better your chance of compounding your money! Your chances of being a millionaire is actually guaranteed if you start saving and investing early! If you are ready to take some actions now and are wondering how to construct a financial portfolio that guarantee a return of 9% and more, feel free to engage my services at 65-96487595 or e-mail at seantoh@creditplushealth.org.

Yours Sincerely
Sean Toh
Author of “ 4 Steps To financial Freedom “

Contact Us
For more information on how we can assist you in developing your personalized wealth management solutions, please free free to submit your enquiries to seantoh@creditplushealth.org and we will contact you.