" Exercise your Assets "

Personal Performance and the Art of Conversion


Exercise Your Assets - Part 1

God Gave Ya' a Brain - Use it !

What's your survivability?

If you were stranded on a island in the South Pacific, or in the jungles of South America, how long could you survive?  What would you do? And how would you do it? What assets would you have and what assets would you use, to make it from day to day?  In the following paragraphs, we cover some essential high level principles.  Pay attention! You might learn something!

Let's explore a different way of looking at assets…

What results can you produce… right now?  Can you cook an egg or set up a nuclear reactor?  Two different situations, but the approach is the same.  On the surface, they seem unrelated, but both actions require the use of tools, energy, instruments and raw materials.  Strategically speaking, there is risk on each path: one you may burn down your house if left unattended and the second you could blow a city off the map.  And the level of knowledge is different, but again, the approach is the same.

Everything we try to do in life, including basic survival,  involves tools, time, energy, knowledge and raw materials.  When you approach a task, you exert effort ( energy ) and use the above elements to get it done.  In other words, you 'exercise' your arms, legs, fingers and additionally, your brain.  ( Your brain/conscious mind, is your greatest personal asset.)  The normal definition of the term assets, emplies a financial benefit of some kind, but in this handbook, we take a different twist and address your personal assets.

Make Sense so far?

It's just a little different way of looking at things, and that will make all the difference in  your life.

Get Real…

It isn't always easy to get real.  We are constantly barraged by the media, the traffic, our immediate family and all the other things we are juggling in our modern daily lives.  Get real in this aspect means -- identifying -- that which is real, and then learning how to use those 'real things' in a better way than before. 

Kinda' like The original movie the Matrix…

Most of us ( those that are active working folks….) find ourselves in a routine that includes working, driving, shopping, getting up, sleeping, watching tv, listening to the radio, watching movies on HBO, checking our email, and a million other activities.  Is it not a bit like being a zombie?  Think again - and ask yourself if you are being 'self-directed' or you are just caught up in a routine that pays the bills and covers your medical insurance? 

Now that is not all bad -- but get real -- isn't that just a repetitive routine that we get used to?  It's not a bad routine, since it provides what you need, but the point is, we want to make you recogize its 'matrix' like characteristic.   We all do it, me you and ninety percent of the rest of civilization. 

No Hocus Pocus here -- just real principles -- from a different point of view.

OK -- now let's get down.  This handbook does not claim any hocus pocus or mantras or fancy new age repetitive affirmations.  Not that those are bad principles, we just want to focus our attention on your individual characteristics, that will help you achieve results and help you achieve those results, consciously.  The other mystical and metaphysical approches are good, but we feel we have to also have a real foundation to work from.

You can get anything  you want as long as you are persistant enough.

The truth is, persistence and/or discipline are not enough.  Why? For one simple reason… you need to consciously know what you are doing.  Knowing what you are doing, why you are doing it, combined with your tools and resources, plus persistence and discpline, are some of the key elements of success.  It's easy to be persistent and disciplined, however, it may not be so easy to consciously know exactly what you need  and know exactly how to accomplish a particular goal. So where is all of this going?

You gotta know what you want.
You gotta know how to get it.
You gotta make it happen.

The first point is crucial because you need to know what it is you want.  However -- just sitting around and thinking about it ain't gonna make it happen.  

The second point is critical, and that is where this handbook comes in.  You gotta know how to get what you want.  And if you don't know how to get it, then find and study someone who has gotten what it is you want to get and read this hanbook to fill in the blanks about how personal and real assets were used to accomplish that goal.

On the third point, consciously use the knowledge in this book, combined with action and performance, in a daily routine that incorporates all the elements we will show you, plus a sprinkle of courage and intelligence and adventure and a sense of humor!

That's it.  No Hocus Pocus.  If you are reaching for something isn't it good to know that you not only know what you are reaching for, but also how to do it?  You got a brain, this book will show you how to use it.  Read on...

Got Gold?

If you have enough gold, you may be able to pay someone else to do it for you! But, where and how do you 'get the gold' in the first place?

Real assets, vs financial assets…turning lead ( and other things ) into gold.

At this point, let's introduce a very simple definition of an asset. 

" An asset is anything that helps you in some way. "

If you are stuck out on a deserted island, what do you need to survive?  Stock certificates? Paper money?  Gold?  Knowledge of banking and financial instruments?

Let's take a second look.   If you are in New York City, what do you need to survive?  Banana trees?  Sailboat?  Knowledge of plants and animals of the South Pacific islands?

Now -- what are the things that are in common in each of the two above situations.  You will need to use your head to determine where you are, what you need for where you are at the moment (projection) and use your present knowledge of survival, including knowing when and how to deal with your surroundings, and be able to deal with people, use tools, and make sure that your present actions allow you to survive today and continue to survive tomorrow.

As you can see, what you need, can very well be based on where you are or more importantly, where you are going, (but more on that later...) and then there is the 'art of projection….' What can't read the future? Neither can we - but - we always can project…

The ability to…

Let's go deeper and let's introduce the phrase ' the ability to…' Now, based on that phrase, what are the personal assets that are used in both situations?
How about these?

-- The ability to observe and perceive your surroundings…
-- The ability to think about your situation…
-- The ability to understand and comprehend…
-- The ability to analyze and conclude accurately
-- The ability to use previous knowledge…
-- The ability to convert  
-- The ability to act - initiative
-- The ability to research
-- The ability to set goals
-- The ability to plan
-- The ability to work with time, resources, knowledge and other people
-- The ability to project…

Now do you get our drift?  What personal assets would you use in each situation? Precisely? What are they?  And how do you exercise those assets?  That is what this handbook is all about.

Fix Everything. 

In order to fix thing, you need more than just a goal, and persistance, and a positive attitude and a vision and discipline.  You need tools, time, energy, knowledge and resources.  This is the way to approach life, i.e. not only have a goal, not only have persistance and a positive attitude, but also know what you are doing and how to do it!

Environmental Conversion ' the mulcher '

A differerence in attitude and approach can make all the difference in the world.  One neighbor sees leaves and branches and trimmings as a nuisance.  The other neighbor sees them as mulch for his plants.  One neighbor complains, the other buys a power mulcher and charges a $1.00 a bag to mulch his neighbors trimmings.  One complains, the other uses his head, and his resources to turn lawn trash into gold.

Self Direction

There are many differences between people.  You have those with initiative, those that sit around and wait, those that blame others for all their ills and fate and those that take responsibility for their lives. 

One element that is usually missing is 'self direction' and 'self management'.  It takes a bit of realization to realize that you need to take responsibility for your life and manage your life.  Don't leave it up to anyone else!  And one of your goals should be to use this power effeciently and effectively, your whole life through and teach it to your kids!  Just that simple.

Lucky You

Increasing your odds of success.  Let's face it, success and achievement are not guaranteed, all it takes is a look around and a listen to the news to see that thtings  can go wrong.  But what about it?  We cannot totally get rid of risk, but should that stop us? No!  So… one way to look at life is to spend your time doing those things that will decrease risk, and increase your odds of success.  Do those things, that will bring Good Luck into your life! And do it 'consciously.'

What can you do?

You can wake up every morning with an attitude that you will learn all you can about making your life better.   You can learn to prepare for your day, and the events you will face.  You can learn to recognize opportunity… You can do a million things, everyday, that will help you increase your odds at success and achievement.  It's up to you to figure out exactly what they are.  I can, and so can you !

WorkSmart PlayHard

This embodies two things.  Work for and prepare for the worst, and then do some dreaming, and reach for and work for the best, and to see if you can make that dream come true.  In other words, make sure you have good health insurance, and then work towards being the president of the United States.  Simple example, just apply it to your situation.  One puts your feet on the ground and makes you deal with reality, and the other allows room to work for a dream or just have fun at the beach!

Work to cover your bases, protect yourself, and your family, and your friends, and those in your inner circle.  Also be aware of your personal assets, and learn to exercise them, as well as be aware of and where you can, learn what financial assets are and how to acquire them. 

Avoid Mistakes

The ez way and the hard way.  There are a lot of people on this planet, and many of them have made mistakes.  The hardest way to learn, is through mistakes ( but I don't want to spoil your fun!  If it's safe to make mistakes then go for it! ) but where it is a bit more serious, the best way to avoid mistakes, is to ask questions, ask for advice, or do some research in the area of your endeavor.  Be your own best council when you can, but if your are concerned, anxious or confused, ask questions and seek out advice.


Invest your time wisely and you will have a good life, and will probably have a life of abundance and experience a bit of joy.  Learning to convert your time into those things that will help you and serve you and give you ( and society ) a good life, is also what this book is about.  The art of conversion, is basically taking your resources and assets and improving your life, and the lives of those around you.


Even financial wealth, is created by conversion.  It is important to see clearly and put financial wealth, into perspective.   As long as the monetary system is in good working condition, you have a chance to be financially wealthy.  The better you are at converting, the better your odds at financial wealth.

It's the Resources that are valuable

It isn't the money that's valuable.  It's the resources, and your ability to convert them, that contains the inherint value.  Whether you are frying up bacon or building a nuclear reactor, that is where true wealth lies.  That is the horse before the cart mentality. 

"You can appreciate and wear a beautiful diamond, but you can't cook with it ! " ( Isn't that how the commercial goes…?) 

A placeholder

Learn to see money not only as an instrument of trade and purchase, but also as a numeric place holder.  This is how the rich see it, and use it.  They know that personal and financial assets are where the real value is, and they manage not only their money effectively, but also those assets as well.  They use these tools, and work to capitalize 'upwards', i.e. work to get wealthier.   They do their research, they put their money in,
(plus resources and action, unless pure investing in some one else's endeavor) then down the line, they take their money out, and the goal, is of course, to put less in at the beginning, and then take more money out at the end.  Doesn't always work, but that is the basic money making, capitalistic theory at work.

Kinda like 1 + 1 + ( E + BP + A + FI + C) = 8 or more,  where the magic ingredient is a mix of effort, brain power and an understanding of capitalism, assets and financial instruments. In short, a knowledge of investing. They also know how to project, and work with risk, which is something we will explore in greater detail, a bit later.

What the wealthy know

They look at things differently, in terms of money, resources and assets.  They try to get to a point where instead of working, they are managing assets.  And it is those assets that are producing their cash flow, and are making them wealthy, not the money itself.  They typically are able to handle people assets -- meaning they understand people, and understand how to manage human assets.

Make sense?

They spend their time reviewing their balance sheets, their resources, their assets and their plans.  They are always measuring and always trying to capitilize on their situation. They have a 'management' mentality, rather than a weekly paycheck, or job mentality.
They are convertors -- from idea to reality, from resources and assets to wealth.
They know the results they want to achieve and they understand how to achieve it.
But the real assets, are not physical, they are mental, and the what they achieve, is a result of those personal assets.

The same is true of highly talented people ( entertainers, consultants, specialists, etc…).
Either they realize how they are converting their talent, to success and achievement, or… they have someone working for them that does.

Note: the ability to manage assets, personal, financial and human, is an asset in and of itself and is a worthy goal for anyone attempting to make a better life for themselves.

The difference between coach and first class is results.

So - not only have goals, but also know what results you wish to create and the more specific the better.

Results = how you use your situation, assets, resources, instruments and tools.

Don’t take it for granted, know what results you want, in every situation you are in.
From this point on, be aware of this principle and 'exercise' it everyday.


At this point, we hope that you have a grasp for what we are addressing: more specifically, personal assets vs traditional financial assets, though we discuss both, in context to teach you how the two different ones are related.

Working for yourself

Make a list of goals, dreams, things you want, things that you want to do including activities, travel,  where you want to live, what you want to do for a living, and then list each one of these items, as a result.   This is the 'what.'

Now, using the basic principles we have shown you up to this point, take your personal assets, combined with resources, tools, and instruments, and see if you can produce those results.  This is the 'how.'  This is the 'exercise' you need to do everyday.

Much of life is what you ( and we as a society )  make it, notwithstanding, worldly events, or accidents, or twists of fate, the high cost of gas and all the other factors, that affect us all.  Much is determined by how you use your time.  Discipline and persistence, and positive thinking, combined with known results, your personal action, resources, tools and instruments, will give you the ability to know what to do and how to do it.  Ya' just have to 'exercise' it!

Exercise Your Assets - Part 2

What is an asset?

Overall - anything that helps you is an asset.  That includes anything of value.  That also includes the ability to produce value, or in our case, exercising your personal assets to produce value or a result.  That said, the questions are what results do I seek, and what do I consider valuable, and if assets help me, then 'help me in what way' or 'help me do what?'

       (n) asset, plus (having a useful or valuable ( to you) quality)

So, what is a personal asset?

We will continue from here to point out how to find those assets, and how to put them to work. ( Exercise them…)

-- Traditional vs what is in this handbook

Traditional assets are financial assets, which are those items that hold monetary value ( like coins, or a stamp collection ) or financial assets, like stocks or bonds, that can be converted to cash, or property that may bring you an income like royalties on a book, or a song, or real property like a second income from owning and renting a second home.  We won't get too deep into the traditional assets, but just are using the above to establish a basic point of reference. Keep in mind, that ownership of assets, in a free society, is part of the back bone of capitalism, but you can study more about that on your own. Again, we mention these just to establish a basic understanding of traditional assets.

-- Assets are everywhere   

If we use the definition of ' assets are anything that helps you ' then we can see that there are assets everywhere.  Streets signs, roads, your home, your car, you job, the air you breath, and the sunshine that keeps you warm and keeps the planet alive. There is a supply free and 'useful' utility assets, that we all take for granted, everywhere we go.  You just have to realize them, idenfity them and consciously learn to use them effectively.

-- Property

And… one example of a financial asset is property.  That may be the car you own or your home ( yes -- the bank owns it until it is paid off… but we just want to use property as a reference…).  Property -- you own it -- and it can be just about anything from a mansion to a shovel in your shed in the back yard. 

-- Personal properties as assets

So let's shift gears a bit… Property can also be your personal characteristics… and yes, you own them, and you own them outright.  More specifically, you own ( for good or bad ) your body, your mind, and your personal traits, skills and talents along with a great bit of knowledge and experience.  These are your 'personal assets' and this is the basic defintion we are working with.

-- situational awareness, projection and evaluation

It depends on the situation.  Where are you right now? What do you need to do whatever it is you need to do, in the situation you are in now?

Evaluating your situation

Are you prepared for your situation? Where you are depends on what resources you have at your disposal right now.  Are they the right resources? Do you have enough of them?  Combined with tools, and energy, are they providing the right situation for you? If you are reading this book, we can probably assume that you are either in a chair or on a couch or in a bed and that you figured that would be the best place to relax and settle down so you could concentrate and read, in a peaceful and quiet situation.  Are we right?


Here is an ability that you need to develop and practice, not because you will ever be able to read the future, but most of us can project what we will be doing over the next day, the next week and the next few months.  What we want you to do from now on, is not only project, but start to project in all situations you find yourself in, in order to gleen from the near future, what you may need in those situations the next time you experience them.

This can be everything from the traffic jam you are in every morning to your next vacation to your next meeting with your board of directors, or your boss, or your employees, depending on what role you play at work.

This is important because you want to more effeciently use your time, and your resources from now on, and the best way to practice that is to project and then figure out what you need for each situation.  You probably don't do this for everything you are involved in, but start simple ( like your food shopping….) and then move to more complicated, like where you want to be in one year or five years.  The principle is basically the same. Projection helps you prepare for the future, even if you can't always figure out what the future may bring.  From now on, though, through projection, you want to influence your future and increase your odds for success, in your future.

Over time you will get better at this, and that's the goal.  You can exercise this asset by picking up the newspaper or listening to the news and then take a story and project it into the future, to see if you can determine what will happen.  This not only helps you prepare for the future, but it also helps you to exercise another asset, and that is your judgement.  Bottom line, the more you get it right, the more successful you will be.

Time is Life and the Future is your personal Credit Card

If you have good health, and your mental facilities are working, time is your next best asset. Why?  Because time is life and time is your future.  The future is like a time credit card and the only interest you have to pay is effort.  Everything you do tomorrow is influenced by how you spend your time today.

Is your future an asset or a liability?  Does it bring dread or thoughts of joy?

Bottom line? The future is one of your most important assets!  The question is -- will it belong to you and if not, how do you get it back?  The answer? Use your head, your time, your tools, your instruments and your resources, and the resources available to you, to 'fix' the present and raise your odds for success.  That may not guarantee your future, but it will give you, at the very least, an advantage and the conscious ability to make a difference.  

Seek Understanding

Seeking understanding is a starting point.  If you work with knowledge you will begin to identify more details, and in essence, will start to learn more about any particular subject until, you reach the limits of knowledge on that subject.  To overcome anything, study it!

KESTA - a simple info formula

KESTA stands for Knowledge, experience, skill and talent.   It is an easy way to judge what is needed for a given situation.  It is also a progression meaning that we all start with knowledge, or a goal, and we move through each level, depending on how far we can go.  Most of us at least get to skill, in some area, but few of us move from skill into talent, though it is obvious to us, who those people are.  They either have the potential talent in the first place or have worked very hard to get it.  Those with talent are on top of their game, and if the game is life, they are way ahead of the rest of us!

Using this simple info formula, you can project and judge for yourself if you have the needed qualities for your situation, and, you can project what is needed by other people, in any given situation.  It gives you points of reference to measure yourself, or others, based on where they are ( or you are ) in the formula.   

It is important to realize that experience and expertise in your life are definate assets, as well as the experience and expertise of others. 

Experience and Expertise:

Successful people, generally know the value of experience, and are always seeking the advice of others.  This saves time and is the ez way to learn, vs the hard way, which is to learn every thing first hand.

Knowing what and knowing where are situational assets.  They help you save time and are there to assist you in some way.  Knowing where the bathroom is can be a most useful piece of situational information - so don't be afraid to ask!

Life is a situation:

You have seen that we use the word situation quite a lot.  That is because life is a situation you find yourself in everyday that you are here.   Assets,  both personal and real, make that situation easier to deal with and every situation requires different assets, tools and resources.  Now - you are consciously aware of it, have a simple info formula to help you out and can consciously project your way into the future.  All of those things, in themselves are 'know what' and 'know how'.  Now all you have to do is exercise them! 

Exercise Your Assets - Part 3

Personal Assets

Harnessing the wind…

Are you an anchor or a sail?  Do you know how to harness the wind and do you know when to drop anchor, take your bearings, observe or rest a spell?  Are you the captain of your ship?  Can you perform the needed duties and can you run a crew?  And just what does it take to be Captain?

You are the Captain and your assets are your crew!

What you need depends on the situation…

Where you are today, depended on what you were thinking yesterday.  Did you put any thought into what tools, knowledge, or resources  you needed for today? For now?  Did you identify the personal assets you needed to perform your actions today? 
Are you aware of what you have ?

You will have to ask yourself  " What are your unique assets? What abilities do you have and what abilities can you develop that you don't have already?

What are your unique liabilities?

What are those things you cannot do?  Or… what personal characteristics do you have that trip you up or get in your way?  What are your 'buttons' that when pushed, tend to not bring the results you want?

What are your resources?

Resources are everywhere -- but which ones do you need?  Resources also have either no effect, or a bad effect or a good effect on you and your performance.  What are your personal resources? 

How's your memory?  What kind of experiences have you had? What kind of knowledge do  you have? And does it apply to the situations you find yourself in?

Ya' Gotta Play to win

Take some time to figure out what your personal assets are, including all your abilities, your experiences, your skills and talents, and knowledge that you have gathered over  your lifetime.

Realize, that these are what you use, as you perform your actions everyday i.e. exercising your assets.  And, like playing cards, you use certain assets, at certain times, just like playing a deck of cards, and just like cards, some assets, are more valuable than others, depending on the situation.

Realize too, that you are dealing with other people and it is good to know what their assets are, and how to recognize assets in other people.  And - those assets can be positive or negative, depending on what's needed or what's not needed.

Be aware to that other people can be manipulative and deceptive.  An ability that you need to develop in terms of other people, especially those you don't know, is to be able to judge another person's sincerety.  And -- it is easy to get fooled, or to miscalculate another  person's intentions or personaliy, so it does take some practice, but is well worth the time.

Your knowledge: a primary personal asset

The knowledge you retain, in your brain, is a primary asset.  You cognitive powers, and your ability to understand and comprehend, are key assets.  Do you have what you would consider basic survival info? And/or do you think the information you have directly relates to your life's situation?

There's Gold in Them Thar' Hills

We have direct knowledge that we have to use everyday - and then - we have knowledge that we don't necessarily need, like other interests that may not have anything to do with daily survival.  That's ok -- most people have other interests other than their day to day routines and that makes life a bit more interesting.  

Knowledge is an amazing thing, and what we have in our brain determines much of what we have in life.  And -- there doesn't seem to be any limit to the amount of knowledge and information we can process.  Each person's mental capability is different, but for the most part, most people can continue to learn, as long as their facilities are working up to some point in old age.  That being said, realize that much of your intangible wealth, lies between your ears.  Always have as one of your goals -- the raising of your level of awareness, in both the 'needed' areas and the areas of your interest and constantly work to improve and refine and test the knowledge you are gathering, incorporating that which helps you and discarding that which doesn't.  Ultimately, not withstanding events beyond your control,  knowledge, combined with your level of awareness and your ability to use it, is true wealth.

HICO -- basic personal Assets

Here is a simple example of four basic personal assets.  Very simply HICO stands for Health, Intelligence, Courage and Worthwhile Objectives.  The first three help you accomplish the fourth, i.e. health, intelligence and courage help you accomplish your worthwhile objectives.  Simple but very effective -- know armed with this principle -- you have a foundation from which to develop all those other personal assets!

So what are you doing, with the land you are standing on?

What are you producing?  What are you doing with the land you are standing or sitting on?  What kind of resources are available to you? From now on, take the rancher's attitude.  Produce something of value with your assets on the land upon which you are standing or sitting.  Turn that backyard into a garden and turn that desk or office into results that move you and your team, forward in some way.  And.. do it consciously!

The real fruit of the land

I saw a picture that a friend gave me the other day.  In that picture, was a $400,000.00 car and a 3 million dollar jet.  My friend had just taken a one and a half hour ride in the jet and a tour of San Francisco in the car.  I am not sure who owned the plane, but a wine maker owned the car.  Get the point?  It's time to get out the plow!

Where do I start?

It's simple.  Start to work with what you have and build on that.  You are breathing right? You can read this page right?  What knowledge do you have? What skills do you have? What experience do you have? What talents do you have?  Start with those and build on them, keeping your goals and dreams in mind.  Simple yea? 

What did you bring to the party?

So -- where  you are, depends a great deal on your thoughts and knowledge retention, and your goals, which can be imple or dynamic and complex. 
Based on where you are, did you bring the right assets? Or are  you performing (exercising) the right assets for the exact situation you are in?  If yes -- what are the assets you are exercising? And if no -- what assets do you need?

In the situation, are you making contributions or converting? Or you just an observer? Or are  you a taker?  Are you cooking up the meal? Or are you an eater? Did you bring something to the table?

Your personality is one of your key assets.  Based on the questions directly above, are you playing an active role or are you an observer, or are you there just for the goodies?  If you are a wall flowere, then perhaps you need to be somewhere else?!

It's your 'personabilities' that you bring to the table of life.  And what are those personabilities?  They are your knowledge, your experiences, your skills, and talents, along with your tools ( or toys! ) and resources.  Do you see the difference now in what each person brings to the table?  Again -- what do you bring?

The real thing ' Dahling….'

Everyone brings something to the table.  It can be a great dish, the ability to tell stories or jokes, play music or sing or dance or entertain, discuss an interesting or popular topic, or just be willing to be a good listener, of just be willing to do the dishes!   And the same is true in all of life's situations.   So how well have you prepared for the party?

Your potential --

How well you do in a situation depends on how you participate or perform in that given situation and that depends on how well you use your given assets and how well you have prepared for that situation.  And much of that depends on your level of awareness about performing and contributing in that situation and your conscious thoughts about what  you will be bringing to that situation.   It's your choice to perform up on the stage or to be part of the audience.  How well you perform is based on the skill level of your assets and your ability to use them. 

Capability --

What are you capable of?  What have you tried in your life, and what would you like to try in the future?  All things being equal, human beings are capable of unbelievable feats.  Just look around at all we have done ( both good and bad - but look for the good in this example.)  What do you think you are capable of? both in line with the things you have to do to make a living and just as important, those things that  you desire to do and accomplish.

In our case --

Now that you are aware of your capabilities, review your mental, Spiritual and physical capabilities and then think about what you can do by combining and harnessing them.  What are your mental abilities? What are your physical abilities? And -- based on your beleifs, what are your Spritual abilities?  What knowledge, what experience, what skills and talent do you have and better yet… what knowledge would you like to gain, what experiences, what skills and what talents would you like to gain?

These are assets that you own.  Though inherently intangible, it's these assets that create the tangible assets in your life.   By not taking them for granted, and by consciously being aware of them and through exercising them ( performance ) you now have turned them from just personal assets, to personal power assets.

So -- maintain your assets!  This is the maintenance of you.  Through your awareness, through your education, and through practice, performance and exercise, you seek to make your life's experience much better.

Life is not just about day to day living, and working, it is an opportunity to experience existance and to express your being.  So what are and where are your stages? Now it is time for your performance. At home, at work, and at play.  

Exercise Your Assets - Part 4

Let's Review --

How well did you perform today? Though you are not an actor on a stage,  you are very likely performing a role in society - at work, as a student, as a homemaker, manager… in other words, unless you are retired, or living a life of leisure, you are playing an active role on your stage of life.  Now that you know that, take a moment to focus on your performance, either today, or for tomorrow, and realize that you can actively improve that performance, aided with the knowledge in this handbook. 

It is important to note, that we normally play more roles than one, and it is important to review all the roles you play, in your daily routine.  That could involve your work (a producer/convertor), your getting to work (commuter) , the results you produce at work ( convertor) , your interaction with people (socialization) , your role as either a leader (manager) or worker, getting home (commuter) , stopping at the grocery store ( consumer), being with your wife or husband (partner/companion), your children (mother/father), friends (comradeship)  or relatives (relative).

It's no wonder at times, that we get so stretched out! 

At work -- it is important to realize that it's your performance as well as your reputation that is reviewed and scrutinized.  Whatever your role, take an active part in performing better, using your new found assets and tools and resources.

And… make sure you find a way to record your results.  There is no harm whatsoever in making sure you get credit for your performance and the contributions you make.

In each situation, we have a different stage on which to perform.  Question is, is it the stage you want to be on?  And -- if not, can you change it?

Master your Craft --

No matter what you decide to do in life, part of your objective(s) is to master your craft.  That means going from Knowledge --> Experience --> Skill ------> into talent.  This is most true for whatever you choose as a career.  It is also true for any creative craft that you want to exercise and pick up.  Since you only have so much time, you must choose what you are going to do, and then to what extent, and... to what level.   At that point, you should know when, and what, and how much to 'exercise' you assets in any given area.  Note that it is important to not only do what you need to do to make a living, but make sure you put aside time for those things that you enjoy as well. 

Test Mode

In the data processing field, we setup and run programs.  One of the first objectives is to get the code into test mode.  That allows us to test the big pieces and then start to narrow down and solve the problems until we have the system tested and fine tuned.  The point is, you can do the same.  Get yourself into 'test' mode and then start refining yourself and your life until it's a lot closer to where you want it to be.  Start debugging until your program is running smooth as can be...  The secret of champions... nuff said.

Now on the the opposite of an asset... liabilities! 

Exercise Your Assets - Part 5

What is a liability?

A liability is anything or anyone that harms you
-- higher gas prices...
-- that pit bull down the street

A liability is anything or anyone that hinders you
-- lack of knowledge in an area holding you back?
-- lack of goals or dreams?

A liability is anything or anyone that halts you or stops you.
-- your boss or supervisor at work holding you back?
-- credit card debt stopping you from getting what you need?

In traditional terms, high gas and food prices or a large amount of credit card debt may hinder your ability to do some of the things you want to do, or things you might want to get.  Watching the value of your house drop because the nuclear power plant down the street had a meltodown, or the company that you invested in has gone belly up because the executives cooked the books or a boss that expects you to repeatedly work overtime and so on… 

But the real liability ( what this book is about ) is the personal liability that allowed you to get into those situations in the first place.  Make Sense?
We are born with liabilities --

Base or natural liabilities include include: danger, risk, uncertainty, actions of other people, natural disasters, war, unexpected political events, and anything else beyond our control.

Types of --



Liabilities are what we overcome in our day to day, week to week, year to year, life to life activities.   You are thirsty (liability) and you drink safe water (asset) to quench that thirst. 

Gathering --

A smart person, is aware of what they need, and to some degree, they gather assets over time, to address their needs and in our case, they develop personal assets to reduce risk at the very least, and use their real assets and personal assets, to overcome liabilities. 
We do this ( consciously or un-consciously ) in our day to day routines, and much of our survival has been addressed by civil engineers, building on what history has taught us that directly relates to overcoming the obstacles ( liabilities ) that humans have had to put up with over the centuries. ( Welcome to Earth! )

Part of the Problem:

You weren't necessarily invited to the party, but now that you are here, are you contributing to the party or just there for the goodies or both?  Did you bring a dish or are there just for the grub?  Are you helping to solve prolems or are you creating problems? 
Yea -- it's an old cliché the problem/solution thing, but it does hold true to everyone in society, and their level of awareness.

The positive approach -

You can always look at a liability as something to over come with assets, and even better, you can always see if you can turn those lemons into lemonade.  Remember our example about mulching, and there are many examples of this approach.

Go to War

Look at it this way, it's your personal liabilities that get you into trouble and it's your personal assets that get you out.  Go to War!  Identify your personal abilities, identify the knowledge, the tools, the instruments and the resources you need.  Now that you are armed and ready -- attack!  Again, we cannot guarantee success, but we can guarantee you are better prepard to increase your odds for success. 

What is a personal liability?

Gravity is one of the things we have to overcome.  We have to learn to walk, and stand up straight, so in our early lives, gravity is a natural liability.  Natural disasters, and any lack of natural resources, like water, present a liability.

Any physical restriction can be deemed a physical liability, but personal liabilities are subjective, just like personal assets, and again, the easiest way to pinpoint them is to look at the situation.

Let's accept for the sake of discussion, that a liability, generally speaking, is anything that hurts you and let's introduce the term 'inability.'

-- The inability to observe and perceive your surroundings…
-- The inability to think about your situation…
-- The inability to understand and comprehend…
-- The inability to analyze and conclude accurately
-- The inability to use previous knowledge…
-- The inability to act - initiative
-- The inability to research
-- The inability to set goals
-- The inability to plan
-- The inability to work with time, resources, knowledge and other people
-- The inability to project…

Let's also assume, that you are a fairly normal human being, without any major physical or mental defects.   Your family, your environment, your heredity and your personal abilities, and the effects and interactions of others, has determined where you are at this moment.

You probably have what it takes to survive and you are doing what it takes to continue to survive and perhaps provide for your family.

And that is determined basically, by your level of awareness, your ability to comprehend, your ability to understand, your ability to learn, your ability to judge, and your ability to apply all of the above, to life.

Since personal liabilities are subjective -- let's look at the principles just mentioned.

Your level of awareness--
How effective are you at discerning the truth about your surroundings?

Your ability to comprehend,--
How effective are you at comprehending things?

your ability to understand,
How effective are you at understanding things?

Your ability to learn,
How effective are you at learning?

Your ability to judge,
How effective are you at evaluating things?

Your ability to apply all of the above, to life.
How effective are you at taking action, based on the above.

If we haven't reached a goal, or we haven't succeeded in achieving the results we want, either the results we want are impossible, or… we aren't very good at using and incorporating the above personal skills.  Not having the skill doesn't mean you can't learn it, and that's the good news.  The other part is that you have to practice it, just like practicing any skill that you want to develop.

Personal liabilities, mainly come from not being able to be honest with ourselves.  Traits, like conceit, anger, arrogance and stubborness, impatience, fear, being overly sensitive or shy, are examples of what we all have to overcome in our lives.  All of these can prevent us from expressing ourselves, and prevent us from moving forward in our lives.  Only you can determine if these characteristics are playing a role in your life and a good hard honest look is necessary to work to improve or eliminate them. 

The easiest way to overcome what you might consider to be a personal liability, is to  focus on just the opposite.  For example, arrogance is the opposite of being humble, a quick temper is the opposite of being patient, seeking to understand is the opposite of being stubborn and so on.

Learning to project can help you avoid situational liabilities, though not foolproof.  This comes down to avoiding negative or threatening situations and people that create problems in your life.  Seek to find those situations ( stages…) and people ( high level of awareness ) that are contributing and tend to offer solutions… i.e. those that bring something postive to the party.

HICO - base formula -- a way to overcome personal and situational liabilities --

Here we apply the Health, Intelligence, and Courage formula again but to be used to overcome liabilities and get you on the road to success. 

Through study, practice and applicationof the formula, we can start to overcome personal liabilities, i.e. malnutrition and physical weakness, ignorance and fear, and you can actually make overcoming these liabilities, your Worthwhile Objective.  Then just build on that, and give yourself more challenging goals, all a little at a time, and continue to use the same formula, over and over again to hit your targets.  Simple but effective!  

What is a resource? 

Anything outside of you that you can use.

Free resources include the air we breath, sunlight, an environment in which we can live, our lives, our eyes, our physical and mental capabilities, the past, the present, the future, and so on… These are resources you don't have to pay for so to speak, though you do have to maintain the free personal resources.

Your resources also include your personal assets and to some degree your personal liabilities ( just like a balance sheet ).
We can classify resources into the following :

Tools and Instruments
Raw Materials
Mind Power
Muscle Power

And in the above categories, we can include, friends, family, business associates,
other people, the knowledge, experience, skills and talents of other people.

We can also include time resources including the present, and the Future - the overlooked asset, which gives you the opportunity to improve your life and the past, which has determined where you are today. 

Exercise Your Assets - Part 6

Welcome to the Earth

-- We would like to welcome you to Earth and to the solar system we call the Milky Way!

-- You have miles of livable atmosphere, sunlight, oxygen, sunlight, food, shelter,   clothing and a myriad of other things, along with other people, animals, plant life, the continents and all the creatures in the seas. 

Now that I'm here... What do I do?

We would like to be idealistic.  The answer to the above question, is anything  you want as long as it is productive!

You should also take a look around and familiarize yourself with your surroundings and learn as much as you can about them, how you relate to them, and what you can do to protect yourself and make life better for your family friends and fellow Earthlings.

In this book we have introduced you to the concepts of personal assets and now that you know about that, then realize, identify and exercise and develop your assets.

Develop a routine that strengthens and improves those assets, as well as new ones.
You can start with a daily plan, weekly plan and yearly plan.  Where do you want to be in one year? In five years? 

Realize that one of your assets is intelligence and your life will be determined by how well your analysis and conclusions measure up in the real world and how effective you are in applying those conclusions to the real world.

Part two of being intelligent, is taking total responsibility for everything that happens to you in life.  Why?  Because it forces you to use your own judgement, and that is the foundation of intelligence.

Learn to project -- you don't have to read the future, but be able to at least project your situation for the next twenty four hours or so.  Why? So you can determine what you need in the future, reduce risk and increase your odds of success.

Use your assets, to overcome your liabilities, and the liabilities and obstacles in your life, on your way to reach your goals.

You are a performer!  Where do you fit?  What situation?  What stage? What role are you going to play?  You perform, not only to impress, but for results.  And what results do you want?  If you want to perform a new role, pay the price to learn the new role and then go for it.

By projecting, you can avoid situations that can harm you.   When mistakes happen, learn from them and carry the lessons into the future.

It should be easier now that you are aware of assets, resources, tools and instruments and of course, liabilities.

-- know what you can provide for yourself
-- know what your dependencies are
-- know and find all those areas where you are at the mercy of the actions of others
-- work to reduce it for yourself, your friends and family.

Your number one resource:

Time is your number one asset, and we are in a race against time.  At some point we all die, and if we live long enough, the truth is we will become mentally incapable of dealing with ourselves and our lives.

The question is " can you 'maintain' all the way through' and what are you giong to do with your time?"

Clocks and the hours as they pass represent blocks of life and blocks of time.  What you have and where you are are the result of your use of time.

Your Primary assets:

Your primary asset, next to the amount of time you have on this planet, is your mind.

Who or what, occupies your mind? Make sure it's you!

Your conscious mind is your most powerful asset.  It is your situational radar, it is your bell tower, your quiet room, your command and control center.
Our mind is unlimited in its capacity to learn, and imagine, though for each of us, at different levels.                 
Can you imagine? Can visualize? These are handy tools in exercising your ability to project.

Intelligence is the ability to judge accurately.  Your assets are used to provide information into your mind, and you then can evaluate and analyze that information to draw the correct conclusion.  Will you be right everytime? Probabaly not -- but continue to practice!

Other assets include theories, concepts, principles, techniques, philosophies and ideas.  Not only do you have the ability to review what others think, you now should come up with you own.

What are the expectations for your life? What are your life's specifications? What are your requirements? What are your career specifications?  Do you know what you want to do? And what you want? What are your dream specifications?

Exercise Your Assets - Part 7 

Principles and Formulas

You have to be willing to develop the following by exercising them ( praticing and performing ) in your daily routine.  

(Note: In Part IV - we give you easy and concrete ways to put all of the following topics together.)

    -- The ability to read
    -- The ability to write
    -- The ability to Think
    -- The ability to understand
    -- The ability to comprehend
    -- The ability to analyze and conclude accurately
    -- The ability to remember and memorize
    -- The ability to act - initiative
    -- The ability to perform -- exercise your assets
    -- The ability to research
    -- The ability to set goals
    -- The ability to plan
    -- The ability to project
    -- The ability to work with time, resources and other people
    -- The ability to know when to take a break !!!

( and those abilities, not listed, that relate to and are important to you…)

Performance is the key to exercising the above assets, and those additional assets that are important to you. In essence, performing and practicing... is the art of becoming....

Potential Assets Revisited:

Your number one asset is Time.  Time is Life, so Don't Waste It!
Your number two most important asset is your conscious mind.  Use it!
The number one asset to exercise : good judgement.  Practice it!
How do you exercise good judgement? Use the scientific method, ask questions,
of yourself, of others, of life. 
Ask yourself these questions:

       How can I fix all areas of my life?
        How can I continually improve my life?
        How can I achieve what I need to achieve?
        What assets do I need to do the above?
        What resources do I need?
        How do I put the above into action?
        How can I develop an investment mentality
        How do I measure my progress?

What stage do I want to be on?
What are the expected and actual results of your performance ( exercise)?
Continue to refine your performance.   Start with the right attitude, knowledge, then experience, then skill, then talent.  ( KESTA )

TEKRAM - the main resource formula

TEKRAM - the resource formula stands for:
Raw Materials

It can be expanded to include tools, time, energy, knowledge, raw materials, mind power, muscle power and mechanicla power.  These are the resources used to solve just about any problem and can be used as a new factors of production formula.  Use this formula when exercising proection to determine what is needed for a particular future situation.

Investments - a short course

Your mind and the energy of the Universe may be unlimited..
But your time isn't !

What do you want your future to be?  Investing your time to identify and create the personal assets you need is a major 'invest in yourself' principle.  That should be based on the situation you would like to be in and the role you want to play and perform.

Do you have the discipline to put off self indulgence while you invest in yourself?  Getting smarter is a worthwhile goal. 

Time and knowledge and effort = education, but don't forget to ask questions, ask for advice and use the experience of others. 

Remember that your mind is unlimited in its potential.

Maintenance: a major goal

It is important to note that maintenance of your assets, yourself and your surroundings should be a goal as well as your number one investment.

Secondly, once you have identified your assets, or the ones you want to develop, then take the time to do so.  This is the 'invest in yourself' principle.

Third: Practice using your original assets and your newly developed assets.  Weigh and measure your results and adjust accordingly.  Are you getting the results you expect? If yes - why? and if no -- why not?

Fourth: Keep Going -- Seek to improve your performance and your results.  There is no guarantee that you will succeed however at least you know exactly what you are doing and more importantly, you know how to do it.

More tips in the following chapters...

Where do I start?
  Fix Maintain Repair Improve -- Create Your World by 'fixing' it.

Here's a concept that will help you use all your assets, tools, instruments and resources more effectively.   Approach life from a maintenance point of view i.e. you are gonna fix it!

Define the situation.  Project into that situation. Then:

-- 1.  start out using your assets and your resources
   -- 2.  Start by 'fixing' everything in your life.
   -- 3.  How? Using your assets, abilities and the resources at your disposal.
   -- 4.  Convert the situation into what you want it to be.
   -- 5.  Create a situation that is condusive to accomplishing your goals.
   -- 6.  Work to improve and maintain that situation. 

How do I reach my goals?
-- Where do you want 'to be'?

What would be the perfect situation?  Be a professional? Be able to work at something you enjoy or do easily and get paid quite well for it? And - be able to enjoy the fruits of your labor?  

For example:

I would like to be a well paid author, publisher and photographer and director.  I would like to work on projects that are creative and challenging and I would like to have a break in between those projects, and have enough money and time, to enjoy my family and friends and do some of the things that I enjoy doing and travel to some of the places that I want to see.

How about you?

You want to bring about a situation from from concept to reality.  First examine your daily routine? Now work to change it from what it is to what you want it to be.  Use the 'fix it' mentality so you will use all your assets and resources.  Once you are where you want to be (on the right stage, performing) then continue to refine it ( the KESTA formula).

Ask your self these questions:

--   What situation do you need ?
--   What resources? - needed and available
--   What assets? -- needed and available
--   What assets ( both personal and real ) are needed?
--   What opportunity? What stage do you need?
--   Does the situation need fixing? Changing? Converting?
--   Being Productive -- doing what you like to do
--   Being Productive -- doing what you need to do
--   Project out and lay down a blueprint for success
--   Pay the price -- which is to practice your performance -- exercise your assets!
--   Don't stop -- until you are where you want to be

Take a break

Take a break when you need to.  Watch a sunset, listen to or play some good music, be around friends, take a walk on the beach or a short vacation.  Learn to turn all the switches in your head to the 'off' mode.  Turn the analyzers in your head off and just 'be' for a while. 

Recharge your batteries for the next round. 

Cosmic Correlation

-- Here is a short chapter on the Creative Connection.

In the introduction, we mentioned the following:

" You (and your Creator) are at the center of your Universe, along with your personal assets, and your ability to use them. "  Here is some Spiritual wisdom that may shed some light on the Energy of the Universe.

You - The Universe - The World Around You

In the center of the Triad is the Cosmic Consciousness, Creative Consciousness and the Cosmic and Creative Correlation that connects you, the Universe, and the world around you.  This is where you find yourself.  Where it began and where it will end, may never be definatively known. 

==>> The truth is that You are interconnected to these basic elements, and how you use the power given to You by the Universe, combined with resources, assets, tools and instruments in the World around you, determines how well you live.

The Triad / from a drop of gold / and the novel ' The Golden Rain of the Desert'
See more on… adropofgold.com

The P's - Pursue your Interest

How many of these can you apply? 

-- presence, yours!
-- perceive and pick what you want to happen ( the result )
-- price --determine the price
-- pay the price
-- project / pray -- into the Universe
-- plan - make a plan for it


-- power - applicatiion -- your personal energy
-- practice - follow a plan of action ( Plans into action )
-- perform -- pay the price -- do your part
  à adjust as you go …
-- protect your self against negative influences --
-- provide positive influences
-- persist in seeking all that helps you move forward
-- produce the 'results' you seek

By practicing and peforming, you become the person you want to be.

Exercise Your Assets - Part 8

Tools: Personal Traits you would like to see in yourself, and in others.

These are basic personal principles that you can live by.  Learn them, teach them and learn to recognize these same traits in other people.

" Tools "   

Integrity  - To recognize your individuality. Be yourself and all the personal power available to you is at your command. Sincerity should shine through your actions. Promote and believe in your own thoughts, feelings and existence in this journey through life. Realize and have faith in your unique potential. Have the courage to reach its limits. Be all that you are capable of being.

Humility - We can all bleed and feel pain. We all are sensitive creatures. It is our differences that get us into trouble and our similarities that get us out. We must realize that we either live as brothers or die as fools.

Understanding - Seek understanding and all else will follow. To ask when you don't know. Seek it in times of anger and confusion. It is a power all its own.

Knowledge - The relationship of one thing to another. Any fact or principle or conclusion that is relative to a situation. One of the most valuable of resources. One that should be used wisely.

Cooperation - Giving and taking. Working together for the superior common benefit of all concerned. A work force capable of reaching and securing the highest of goals and objectives. The principle behind many of mankind's greatest achievements.

Health - The awareness of vitality and its relationship to a good life. Consciously taking care of the body, mind and soul to efficiently achieve and enjoy the benefits you have earned.

Intelligence - The ability to perceive and put into proper perspective, evaluate correctly and act with efficiency. The use of knowledge, experience, common sense and imagination.

Craftsmanship - An attitude promoting the wise use of resources in the most efficient way for the most constructive and qualitative results possible. An approach that can be used in any walk of life.

Worthwhile Objectives - The key to channeling time, tools, energy and knowledge for a desired result. A commitment to a worthy cause. The way to reach a goal is to set a goal. The differences between people can be measured by their goals.

Courage - The Spirit that is free from fear is unlimited in its potential. Combined with health and intelligence, it is one of the most powerful forces on Earth. The ability to risk losing in order to win. To be criticized or to sustain and achieve a goal even after defeat. To walk into the jaws of death for a cause that you believe in. The ability to be who and what you are.

Trust - The keeping of promises. To honor obligations and commitments. To be able to do what you say you will do. The very foundation business, banking, creditability and friendship. A most highly prized possession, worthy of protection.

Self Respect - Earning the pride that comes from all that you have done. Standing on you own two feet, taking credit for failure as well as success. Living proudly for all that you are, all that you have been and all that you can be. Respecting the rights, the defeats, the ideas and the victories of others as well as your own. Choosing to measure yourself against the framework of life itself, rather than against anything or anyone else.

Exercise Your Assets - Part 9

The How / Exercising On a Daily Basis:

Ways to exercise your newly realized assets.  Use the following on a daily basis and your life will truly be changed.

What follows are 28 techniques and principles that will help you get along in the world.  If you are looking for answers on 'the how' then here are some of them.  Your level of awareness has been raised. Now --  Exercise it!

Start Now!

Whatever it is you want to accomplish in life, or want to achieve... whatever goals you have, whatever experiences you wish to have, no matter when it is or where you are or what day it is.... START NOW! to make it happen. Read this one paragraph, everyday, even if you don't read the rest.

Mind Your Business and Mind it Well - Be Self Managed and Self Motivated

focus ... on what you need to do to manage your life.  Don't leave it to anyone else and don't let anyone else manage your life.  You do it!  Take care of business and learn how to do it well ... and any other business that is directly related to you.  Don't wait... take care of it... make it your priority when you get up everyday.  I said everyday!  Get 'er done !

Take it Easy on Yourself

life is hard enough on you already and you are gonna screw up occasionally --  As long as your intentions are honorable, that should be ok and should not be a disaster all things being equal.   Don't be too hard on yourself.

Take it One Step at a Time

too many times we bite off more than we can chew.  Cut your task into pieces. Observe and review the big picture, then start on one small piece at a time. 

Move at Your Own Pace

life has a bad habit of speeding you up.  Find a pace that is comfortable for you and no matter how much bs comes your way, keep that same pace.

Remember You are Working for Yourself / WorkSmart

-- you must learn to  think and act for yourself... be aware that life can knock you off your feet --  especially after a wake up call... which is an unexpected event... divorce... lawsuit... job termination... loss of a friend or loved one.  It is not your governments job or your employers job to take care of you .  That is YOUR job.  You may occasionally find yourself feeling and having to act ' alone '.  Be aware of it. Learn to maintain your center and sanity check things occasionally if your intuition starts to kick in... learn to evaluate in terms of how it ( life and life's situations ) effect you and do your best to be prepared for the worst, while working for the best.  Remember -- you are unique -- and you do things in the way that you think is right.  This may not be the same for those around you.  Watch out for number one - while working with and for those you care about.  And... there is always the unexpected... factor x... murphy is always lurking... even in the best of situations.  Life ain't perfect -- so if it knocks you to the mat, at least be aware that it can happen and be prepared to get back on your feet and keep going.

Working Smart means:

-- everyday - practice good judgement, depend on yourself to take care of you and your family and those in  your inner circle and take those necessary steps to be prepared for the worst, while working for the best and moving in the direction of your dreams.

Pursue Your Interest With All Your Heart and Help Others Do the Same

and you will be in the 5 %. What does that mean?  It means help others help you and help others achieve what they are after.  Help others help you and you will see a difference in how other people deal with you.  You cannot achieve anything substantial without help from others, but regardless of the size of the task at hand, treat all with respect. Develope an Inner Circle of friends, family and business associates and put your energy, where possible into this 'circle.'  Help those around you, and those in your inner circle accomplish their goals as well as your own.  This is a biggie...

Work for Results

ok - if a million dollars is the result - that's cool, if the result is security for your family, a better life, that's fine... just don't work for a paycheck... raise the standard... know what it is you are trying to accomplish by your actions...know ( other than money ) what you are working for and towards...

Work to become more Valuable

What does that mean?  Increase your knowledge, increase your experience, increase your skill levels... that makes you more valuable... at work and at life in general...

Work With  Not Against

man ... stop complaining ... if you don't like where you are then leave... provide positive input, don't whine.  Two or more can do a lot more than one and especially if you are all moving in the same direction. 

Don't get Overwhelmed  Don't' Take on More Monkeys than You Can Handle

Only you know how much stuff you can do in any one day. Don't take on more that you can handle.  Say ' no ' if you can't get to it. You gotta be the judge of that...

Develop Your Unique Potential

ok -- you probably have an idea of what you are capable of... so develop your potential... and then branch out... see what else you can do... and never stop the process.

Take Intelligent Advantage of Every Opportunity

ok -- notice I said intelligent advantage... that is important... think about what you are doing and what impact it will have on yourself and others.  Procede cautiously... and intelligently... but procede!  Opportunity is something that you need a weather eye for no matter how old you are and the sooner you learn, the better.

Use Your Resources Effectively

what's a resource? Time, tools, energy, knowledge, raw materials, muscle power, mind power - learn to use your tools and you will outdo most other people and do it consciously...

Continue to Refine Your Methods

be efficient... don't waste time... don't just work for results... work to produce results effeciently.  ever constant... one of the secrets of wealth... nuff said...

Learn From Adversity

the best way out of an ambush is through ... recognize a bad and adverse situation for what it is and that will be half the battle won.  The other is to keep going, log it for future reference and keep your eyes open and learn from the experience.

Develop a Sense of Adventure and a Sense of Humor

Life is pretty dull without some challenge!  Accept difficulty -- when life and work gets boring challenge yourself to things that seem undoable or out of reach... learn to inject creativity and fun into life where you can... it will make it easier for you and all those around you...

Reach for a Dream

in this day and age of terrorism and uncertainty... it is important to hold on to your dreams and see if you can reach them.  Why not -- some pretty amazing things have been done by humans... don't be afraid to reach for something greater than yourself...

Aim High

you will learn this one as time goes on... and cannot be recovered... go for the gold even if you only get silver ... you only go through this world once so set some seriously high goals.... remember... there is nothing like the real thing...

Be Dynamic Avoid Petty Like the Plague

yea you can be petty once in a while... but be dynamic and sincere all the rest of the time.  Yea -- you can be light but at least concentrate on concepts, ideas and things that matter.  Elevate your thinking and the thinking of those around you.  Why waste your time and breath otherwise...

Use and Maintain Your Tools Wisely

when not using your ax, be sharpening it.  Keep your mind sharp. Keep your tools in good shape.  Learn to use your head and your hands effectively.  Maintain and strengthen those links that count.

It's the Things that you Do that you don't Have to Do That Make all the Difference

this is a biggie... you can go through life only doing what you have to do... and that's fine... however... you can step outside a routine life by doing things that you do not have to do.  You don't have to learn to play guitar... or write that book or screenplay... or learn Latin or go to Hawaii or get that degree or start that business or say or write a thank you note... there are a million things you don't have to do, but, it will make a difference...

Visualize the Results You Seek

yea -- a little metaphysical here... but it helps ... a little mental planning helps... seeing the result helps your aim and hit the target a bit easier... and helps you describe what you want to others... and helps coordinate your mental facilities... a little zen dont hurt...

Incorporate that which Helps You Eliminate that Which Doesn't

mostly be aware of this principle... you can get bogged down in stuff that doesn't help you move forward.  Learn to recognize and eliminate that which slows you down -- learn to recognize and incorporate that which speeds you up... be aware... but be humble... sometimes you must deal with situations and people that slow you down in order to get through them or accomplish your task... 

Enable and Enrich

... yourself and those you care about... share good things, experiences, principles, lessons learned, funny stories, questions about life ... think in terms of opportunity and possibilities... allow your mind to go free and encourage free and creative thinking from those around you... ask and care about what others think and ... feel...

Set your expectations, Others Expectations and the expectations of the Universe appropriately

Make sure you know what you expect of yourself.  Make sure you let others know what you expect.  Make sure you let the Universe ( in your own way ) know what you expect.  Do it appropriately -- and with respect to all things.

Hold Yourself Responsible for your Actions

absolute personal freedom comes from absolutely taking responsibility for what you say and what you do.   Stand tall -- take your licks -- learn from life and you will get stronger -- take absolute total responsibility for yourself and everything that happens to you and you will be forced to learn, practice and be aware of good judgement. And -- you will learn to think on your own two feet and be proud of it.

Always Seek the Perfect Wave

Health, Intelligence, Courage, Ojbectives and Opportunity get you where you want to go.  You have a thin layer of atmosphere around the third planet from the sun that allows you to live.  You will only be here for a certain amount of time.  Your Time is Your Life. Don't waste it.

Final Chapter: Summarizing all the above: A higher persective : A worldly view

If this knowledge is helpful and if you can apply it and concentrate on helping yourself, your family, and those who are important to you ( your inner circle ) then you are on the way to helping the entire world.

Good Luck !!!

" You (and your Creator) are at the center of your Universe, along with your personal assets, and your ability to use them. "

-- by increasing your understanding - you increase your intelligence
   - and hopefully, you live a smarter life.

-- our journey -- now that you are more aware -
   - I hope your life will be a little easier.

-- the challenge -
   - build on what you have learned here for a better life.

-- remember the inner circle
   - let's hope there are enough of them and that the ripples
      spread around the world….

-- these are my observations and experiences and principles and theories.
   - I pass them on to you

Thank you for your time! I hopy you live a great life!

The rest is up to you!

Michael M. Hall                    


A. Useful Links:


B.  Info Formulas:

TEKRAM - tools, time, energy, knowledge, raw materials, mind power, muscle power

Use these to determine what you need to accomplish a task, from fixing the wheel on a
little tyke's 3 wheeler to building a space station.  Either way -- the principle is the same.
You will need some or all of these to accomplish anything.

KESTA - Knowledge, Experience, Skill, Talent, Attitude, Aptitude, Approach, Awareness,

This is what gets the job done.  What you need in an employee or left to right, what you
need to do in order to achieve goals... starting with knowledge.  One extra element that
can be added is attitude that flows through the rest. ( Then we could call it STEAK ! - at the
very least, makes it easy to remember ! )

HWWJ - Health Wealth Wisdom and Joy

A good toast and a good point of reference or touchstone.  If it gives you more health,
wealth, wisdom or joy, but not at another's expense and it is not illegal, go ahead and do
it.  Also -- these are the four forms of ' wealth '  and will help keep you balanced if you
pursue them in equal measure.

HICO - Health Intelligence Courage Worthwhile Objectives

You can put all of the world as it relates, in one of the first three categories
(physical / mental / spiritual).  Worthwhile objectives is the one you use the other three for !

C. Traditional Assets ( most common ):

Mutual Funds
Variable Annuities
Real Estate
Asset Allocation
Precious Metals
Profits from a successful business

( there are more and each category above can be broken down into sub categories.  Here
to give you an idea of traditional financial assets. )

Why are assets valuable?  On asset value, both real and personal:

" The price of assets changes because the value of assets changes based on other
   factors, meaning all those factors in a situation that 'effect the value' of that asset.
  So... you study what effects the 'value' of an asset in order to predict its price and
          its future value... "

D:  Personal Assets: ( we have covered most of these -- add to the list ) :


-- Your ability to read...
-- Your ability to write...
-- Your ability to think and use your conscious mind
-- Your ability to research...
-- Your ability to set goals and use time wisely...
-- Your ability to plan...
-- Your ability to recognize your potential assets and develop them...
-- Your ability to take action - initiative...
-- Your ability to perform -- exercise your assets...
-- Your ability to project...
-- Your ability to observe and perceive your surroundings…
-- Your ability to think about your situation…
-- Your ability to understand and comprehend…
-- Your ability to ask for and use the advice of others...
-- Your ability to analyze and conclude accurately...
-- Your ability to use previous knowledge…
-- Your ability to adjust... 
-- Your ability to convert...
-- Your ability to use experience and the experience of others...  
-- Your ability to work with time, resources, knowledge and other people...
-- Your ability to remember and memorize...
-- Your ability to know when to take a break !!!

Ask yourself these questions:

Your level of awareness--
How effective are you at discerning the truth about your surroundings?

Your ability to comprehend--
How effective are you at comprehending things?

your ability to understand--
How effective are you at understanding things?

Your ability to learn--
How effective are you at learning?

Your ability to judge--
How effective are you at evaluating things?

Your intelligence--
How effective are you at drawing accurate conclusions?

Your ability to apply all of the above, to life--
How effective are you at applying knowledge?

Your ability to use tools, time, energy, raw materials, resources and instruments
How effectively will you apply all of the above in the future now that you are aware of it?


(c) Copyright 2008 -- All Rights Reserved
Exercise Your Assets is an mmhall.com Creativity at Work website.  Please do not use without permission.

Home / Feedback
   " In essence, performing and practicing...                                                                                                 is the art of becoming..."

Welcome to Earth!
What does your personal balance sheet look like?