Category Archives: Finances

Preventing Others’ Failure Doesn’t Make You a Success

2-½ minutes to read

Last month I finished a master of library and information science degree. One of the notable aspects of the program is the grading scale:

  • 97-100      A
  • 94-96       A-
  • 91-93       B+
  • 88-90       B
  • 85-87       B-
  • 82-84       C+
  • 79-81       C
  • 76-78       C-
  • 73-75       D+
  • 70-72       D
  • 67-69       D-
  • Below 67 F

When I was a high school student and an undergraduate in college, you only had to get a 90 for an A- and a 70 would get you a C-. At first I thought the grading scale indicated a more rigorous evaluation of a student’s work. Later I found it was a response to professors grading too leniently. Whether because they were buying good student ratings or were overwhelmed by compassion, the result was students who didn’t write well and often lacked the resilience to deal with the workload.

Preventing Others’ Failure Doesn’t Make You a Success

Lower Expectations Leads to Less Quality

Academia isn’t the only place where failure essentially has been eradicated. Command Master Chiefs and Career Counselors, among others in the navy, ensure sailors succeed. This policy is justified by the cost to train a sailor, as high as $1 million for one who will work on a nuclear reactor. From leading petty officers (foremen in civilian life) to the officers in command, sailor retention and advancement is a key indicator of performance.

But there’s no free lunch. The price has to be paid somewhere.

Stress on chief petty officers (supervisors in civilian life) burns them out more quickly and reduces their quality of life. Job satisfaction at all levels is lower. Instead of failing and self-selecting to follow another path, sailors advance despite not liking their work. But the real cost is borne when they finally leave the navy.

Preventing Failure as an Indicator of Success

Chief petty officers and commanding officer take pride in saying none of their sailors failed. But like college professors, their success comes at a price someone else pays. Once out in the civilian job market, where being told no, you don’t qualify, and receiving rejection can be a daily experience, sailors are baffled by their lack of success. Studies show that a veteran who does not build up resilience to such treatment in the first six months after leaving the military is far less likely to ever transition successfully.

Reintegration is made more difficult by having spent longer in the military. They are more set in the military mindset. Making the changes necessary to succeed in civilian life can be hopeless.

People have to be allowed to fail. Denying them this opportunity means taking from them the chance to grow. Rather than basing success on preventing failure, you’re better off showing people, whether your children or employees, how to bounce back from defeat.

While the short-term benefits may be high, in the long term preventing others from failing will lead to their downfall. In the end, if your children and colleagues don’t succeed have you?

Where do you see preventing failure is necessary? Please comment below.

How to Conquer Your Barriers to Success

3 minutes to read

Parsha [Passage of Scripture] Nugget [Precious Idea] Beshalach - Exodus13:17-17:16

Why does it take so long to succeed? And why does it have to be so difficult? Surely it would be better if you could earn money to support your family quickly and easily. Then you’d have ample time to spend with your loved ones building strong relationships. Instead tension about finances causes friction with your spouse. Your children don’t have as many opportunities. Parshas Beshalach explains:

“And it was when Pharaoh sent out the people, and G-d did not lead them by the way of the land of the Philistines for it was near…” (Shemos/Exodus 13:17)

How to Conquer Your Barriers to Success

In this Sabbath’s parsha the Children of Israel leave Egypt but once again Pharaoh changes his mind and chases them. G-d splits the Reed Sea (usually incorrectly translated as the Red Sea) and the Israelites walk between two walls of water on dry land. The Egyptians who follow after drown. The Israelites sing the Song of the Sea thanking G-d for their deliverance.

On their journey to the Land of Israel, the Children of Israel complain of hunger and thirst. G-d sustains them with Manna from heaven and water from a rock.

Recidivism Isn’t Just for Convicts

Having recently been freed from bondage, the Israelites wanted to get to the Promised Land immediately. But G-d had other plans. He knew their slave mentality had to change before they could withstand the rigors of daily life as a free people.

Being farmers, shepherds, and businessmen takes self-confidence and perseverance. Without these qualities, the Almighty knew the Children of Israel would clamor to return to the life they knew in Egypt, horrible as it was. So He led them on the long road to success, giving them time to adjust and get their heads together.

This attitude isn’t unique to the Exodus. Millions of Jews, Slavs, and other Displaced Persons liberated from concentration camps at the end of World War II were at a loss as to how to care for themselves and re-start normal lives. And it doesn’t take genocide to render a person incapable functioning in society. Ex-convicts often cannot deal with the outside world.

The Biggest Barriers to Success

Much as it may seem outside forces impede your success, Theodore Roosevelt put it best when he said:

If You Could Kick the Person in the Pants Responsible for Most of Your Trouble You Wouldn't Sit for a Month

Veterans transitioning to civilian life are a good example. Eight of the ten reasons they crash and burn have to do with attitude and outlook. Yet the vast majority believe they lack the skills to get a good civilian job. Confronting them with the primacy of mindset over additional skills often doesn’t convince them to change their perspective. It is any wonder many who qualify re-join the military?

If you do not have the success you desire, chances are it’s time for a checkup from the neck up, as Zig Ziglar used to say. What beliefs are you embracing that hinder advancement to the next level of achievement? How are you allowing your attitude to lead you astray? By raising your mental game to peak performance, you’ll enter the promised land.

What beliefs make navigating the road to success more difficult? Please leave a comment below.


Every year beginning on Simchas Torah, the cycle of reading the Torah, the first five books of the Bible, ends and begins again. Each Sabbath a portion known as a sedra or parsha is read. It is named after the first significant word or two with which this weekly reading begins.

What verse in the Old Testament would you like to know more about? Ask here and I will answer it in a future Parsha Nugget!

How to Make a Powerful First Impression

3 minutes to read

First impressions. Everyone forms them and is subject to them. No relationship begins without a first impression. In some cases, you can overcome a situation that starts off on the wrong foot. If you’ve recovered from such an experience, you know how difficult it is getting back on track. In most cases the old adage, “you never get a second chance to make a first impression,” rules.

How to Make a Powerful First Impression

The Dominance of a First Impression

Harvard Psychologist Nalini Ambady and her colleague Robert Rosenthal examined the power of first impressions. In the 1990s, they did a series of experiments comparing the ratings given to college professors by students at the end of the semester with ratings that another group of students gave the same professors based only on three ten-second silent video clips shown prior to any actual lectures.

Ambady and Rosenthal found both groups essentially agreed on how good or bad the professors were. As far as their performance ratings were concerned, the first impression from ten seconds of silent video counted for almost as much as a whole semester’s worth of interaction.

Think about that in the context of an HR person reviewing 100 or more applications for a job. While you may get more than 10 seconds, in this first screening he’s looking for any reason to weed you out.

Controlling How People Perceive You

As a chaplain, I faced this issue every day. At stake was whether people would come to me when they needed help. Fortunately, the two decades I spent in business prepared me to quickly establish rapport with people.

These days, with so much of business happening online, someone’s first impression of you is likely to be based on something you write. Especially if you’re looking for a job, your resume and a cover letter is a company’s introduction to you. That being the case, you’re being assessed on your writing skills. It’s a good idea to know what to do. Here are some guidelines:

  1. Customize everything – You’re communicating with individuals. Even if they don’t treat you that way, get in the habit of customizing cover letters, resumes, and everything else.
  2. Spelling counts – While it’s true that some people don’t care about spelling, how will you know if that’s the case with the person you’re writing to? You cannot rely on spell checkers since they don’t detect the wrong word. Stick with the standard spelling of words unless you prize creative spelling over your finances.
  3. Grammar counts too. Do you know the difference between the homonyms there, their, and they’re? I can’t tell you what percentage of HR people do but I bet it’s high. Yet countless times I receive correspondence using the wrong one. There are numerous grammar traps to trip you up. Check out the Grammarly Blog. You’ll get great information in an easy to understand and fun format.
  4. Double and triple check before sending – Proofread everything, whether it’s a casual email or a formal letter. While Microsoft Word purports to check syntax, it is not infallible. Have someone else read what you write, especially if it’s important.

Your high school English teacher was right. Your ability to clearly express your thoughts in writing is a crucial skill. Your access to the marketplace where you plan to turn all your other skills into a high-income career rests on the first impression you give, in writing.

What resources do you use to improve your writing skill? Please comment below.

Do You Want to Communicate or Be Poor?

3 minutes to read

Doesn’t it seem that sometimes life would be easier if you didn’t have to deal with other people? Whether it’s someone you know well or a stranger, miscommunication happens so often. The most innocent comment to your spouse can spin out of control. The next thing you know you’re sleeping on the couch. It’s no better at work. If your colleagues don’t understand you, kiss the promotion goodbye or worse. Whether you seek wealth or rich relationships, you have to be able to communicate clearly.

Do You Want to Communicate or Be Poor?

Why It’s So Hard to Communicate

On its face, communication seems simple. You speak, the other person hears, DONE! But breaking down the process reveals surprising complexity.

First, there are at least two people involved. Each has a different background and perspective. Then there’s the message itself. Use one wrong word or a word the other person doesn’t know and communication fails. These three parts leave ample room for lack of clarity.

People communicate on many levels. Your words can be perfectly clear and your message may still be garbled. Body language, tone of voice, and the other person’s mood or health may change how she perceives what you say. When you take into account how many factors impede clear communication it’s a wonder anybody understands anything.

How to Ensure Clearer Communication

You can’t take everybody’s temperature. Nor can you give people a vocabulary test. So how do you pave the way for to clear communication?

These five steps take seconds, at most, to use but will improve how you communicate with family and colleagues:

  1. Accept responsibility for being clear about what you say. If you have a message to convey, it’s your job to make sure others understand you. Blaming another for misinterpreting what you said is like insisting that someone who doesn’t speak English is at fault for not knowing the language.
  2. Assess people’s state before beginning or responding. Is the person paying attention? Is she feeling well? You can’t read minds, but you can take a few seconds to decide whether you’re likely to be understood under current conditions.
  3. Have a conversation. Especially in situations when clear communication is crucial, take a moment to absorb what someone is telling you. Repeat it back in your own words to confirm understanding. Give the other person a chance to do the same.
  4. Be clear about what you want to say before saying it. If you lack clarity, you cannot communicate effectively. Don’t be afraid to stop speaking if you realize you’re unsure about what you mean. Let the other person know you need time to think through what you meant to say. Re-engaged at another time.
  5. Tailor your vocabulary. I once had a doctor tell me there was foreign matter in my umbilicus. Seeing the stricken look on my face he let me in on the joke – I had lint in my belly button. (Okay, I made this up but you get the point.) Jargon and slang prevent communication outside of their arenas. Often that’s the point of using them, to exclude the uninitiated. If you want to communicate well, use language the other person is sure to understand.

Think about the people you like the most. Most likely it’s because they communicate in a way that you find compelling. Taking the time to do the same for others dramatically increases the chance you create solid relationships. And relationships are the key to a rich life.

How to you ensure you communicate clearly? Please comment below.

How Will You Triumph Next Year?

3-1/2 minutes to read

“Insanity: Doing the same thing over and over again and expecting different results.” ∞ Albert Einstein

Now’s the time to commit to your goals for the New Year. It’s daunting. The blank sheet of paper in front of you screams unlimited possibilities. At the same time it reminds you of all the New Year’s resolutions that lasted less than a week. So what do you do? How do you choose? If you try to go for everything you’ll end up achieving nothing.

How Will You Triumph Next Year?

Overcoming Years of Broken Resolutions

A study two years ago showed that over 40% of Americans make New Years resolutions. Yet, just 8% of people achieve their New Year’s goals. The average person makes the same New Year’s resolution ten times yet still doesn’t achieve it. With such a high failure rate it’s tempting not to bother setting objectives for next year.

If you give up you’ll accomplish one thing for sure. Change will be impossible. Then again, you’ll have to accept poorer physical fitness, inadequate finances, and lower quality relationships. And this assumes you’re not forced to make a transition such as going from military to civilian life or finding a new job. The reality is, even if you don’t want to change, life forces you to.

You can intentionally work on making your life better or on accepting the status quo.

Insuring You’ll Grow Next Year

While there aren’t any guarantees, the way you plan your goals increases the likelihood you’ll reach them. Here are four steps to take:

  1. Write down your goals. Gail Matthews, a psychology professor at Dominican University in California, studied goal setting and found you are 42 percent more likely to achieve your goals just by writing them down.
  2. Make sure your goals align with your life purpose. Having a purpose for your life makes you happier and healthier. If your goals and purpose are out of sync you’ll negate one or both.
  3. Have a compelling why for each goal. Write it down too. Review it every day. Keeping your why uppermost in your mind gives you the motivation to change.
  4. Visualize attaining your goals. Your mind is so powerful if you spend five to ten minutes a day visualizing your life it as if you have already met your goals. Frank Niles, writes,

“According to research using brain imagery, visualization works because neurons in our brains, those electrically excitable cells that transmit information, interpret imagery as equivalent to a real-life action. When we visualize an act, the brain generates an impulse that tells our neurons to ‘perform’ the movement. This creates a new neural pathway -- clusters of cells in our brain that work together to create memories or learned behaviors -- that primes our body to act in a way consistent to what we imagined. All of this occurs without actually performing the physical activity, yet it achieves a similar result.”

How I’ll Help You

You may have noticed I reorganized my blog into six categories:

  • Transitions
  • Fitness
  • Finances
  • Relationships
  • Resilience
  • Soul

I’m committed to helping you with these areas of your life. Is losing weight your priority? Do you need to get out of debt? Are you focused on building your marriage? How about nourishing your spiritual growth? You’ll find practical suggestions and food for thought here. And I’ll be posting more of the same as well as new tools that will help you stay on track and achieve your goals.

If you have a different challenge let me know and I will refer you to someone who will help you.

Let’s work together to make this year your best one ever!

What is your top priority for next year? Please comment below.

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