Archive for July, 2013

Need Some Motivation?


Whether it’s the hall closet that needs organized or the exercise routine you’d like to start, sometimes we all need a little motivation.

It’s happened to all of us.  Somewhere along the way of getting our goals accomplished we get tired, or distracted, or busy with other things. 

It’s not that we lack the desire, just the motivation.  What you need are some motivation tools to pull you through the tough spots. Try some of these suggestions on for starters.


Give yourself a pep-talk.   Five year old soccer coaches (among others) have learned that to get something out of a team of difficult kids, sometimes it helps to yell encouraging remarks.  Try it with yourself.  O.K.  maybe not yell, but try crowding out any negative thoughts by pumping yourself up with happy, supportive self-talk along the way.


Write down your goals.  Before you get overwhelmed with what you’ve gotten yourself into, write down your end goal and then share it with a friend.  They’ll help hold you accountable.


Use a visual reminder.  Take a before picture of what you’d like to change and post it by your written goals.  Look back often to see how far you’ve already come.  And when you’re done, take another picture and post it as well so you can bask in the satisfaction of a job well done.


Reward yourself.  At various milestones along the way, reward yourself with an activity or treat.  Just be sure that your treat doesn’t go against your bigger goal.  Example:  You decide to go out for ice cream because you just lost 10 pounds.


Have a buddy.  Misery loves company…can you think of anyone that would like to join in on your misery?  Working together may actually make the job go smoother and faster and make it more enjoyable.  You’ll have someone to bounce ideas off of and can offer an objective point of view if necessary.  A friend can also keep you focused and hold you accountable.


Well, whatever it is that you have on your list of goals, let me be the first to offer a word of encouragement.  Good luck and stay motivated until the end!


NFL Superstar – Steve Young supports to boost kids potential

Steve Young is no stranger to reaching ones potential. He was a quarterback in the NFL for 14 seasons, named MVP (most valuable player) of the NFL in 1992 and 1994 and also the MVP of Super Bowl XXIX, is a member of the College Football Hall of Fame and the Pro Football Hall of Fame. At the time of his retirement, he had the highest passer rating among NFL quarterbacks who have thrown at least 1,500 passing attempts, just to name a few of his professional athletic accomplishments.

Mr. Young is a Managing Partner and Co-founder of HGGC a leading middle market private equity investment firm.  Prior to his inception of HGGC, Mr. Young was a co-founder and Managing Director of Sorenson Capital, a private equity fund which focused on middle market leveraged buyouts in the Western United States. Previously, Mr. Young was a member in Northgate Capital, LLC, the general partner of Northgate Capital Partners, L.P., a fund of funds.

Since his retirement from the NFL he has been actively helping others reach their potential. Founded in 1993 The Forever Young Foundation is a non-profit organization that serves children facing significant physical, emotional, and financial challenges and provides academic, athletic, and therapeutic opportunities currently unavailable to these children.

The Forever Young Foundation primarily focuses their efforts in Northern California, Arizona, Utah, and Ghana, Africa. Their development projects include Forever Young Zones, which provide technology and multimedia labs for those living in underserved communities as well as state-of-the-art interactive play areas in children’s hospitals. They have also partnered with the National Football League in their nationwide development of Youth Education Town Centers (YET Centers) in each Super Bowl city. Our international initiatives include the building and expansion of schools in Ghana, Africa, as well as enhancing health, educational, and athletic opportunities for Ghanaian youth.

We at are proud to be partnering with Steve Young and his remarkable foundation to help kids reach their full potential as they learn early in life the importance of establishing a positive work ethic.

This wonderful organization is now available in our system as a charity that you can have your children “share” with.

How to Create a Chore Chart that Everyone Loves


Chores can help teach your kids responsibility and help them grow up to be conscientious and dependable adults.  By creating a job chart, a chore chart, or I’ve even heard them called a responsibility chart, children will know what they are responsible for, and be able to help out around the house in a more orderly fashion.  That means less stress on parents and kids.

Here are some tips on creating a chore chart that everyone can live with and maybe even love.


1.  Identify what chores need to be done.  Make a list and be sure to ask the kids and your spouse what chores they think are important.  Involving them as much as possible gives them a sense of ownership and it can improve their willingness and enthusiasm for finishing their jobs.


2.  Ask each child what chores they would like to do.  Of course it’s not a perfect world and you probably aren’t going to be able to hand out chores to each child that they love, but if they would prefer to take out the recycle instead of the trash, we can always try to be accommodating.  Remember to assign age appropriate chores.


Read this related article:   Ideas For Kids Chores


3.  Decide how often the chores need to be done.  A bed has to be made everyday but the living room may only need to be dusted every other week.


4.  Give each chore a deadline of when it needs to be completed by.  Some ideas for deadlines may be before leaving for school, before dinner, or before playing with friends.


5.  Assign a reward for each chore.  Rewards may include money, items, privileges, or any other benefit you can think of.


6.  Log into and use what you came up with above to set up your child’s online chore chart.  You’ve already done the hard part, figuring out the chores, deadlines and rewards.  Entering it online is the easy part. 


7.  Here’s an idea.  Set an example by including yourself on the job chart and doing your chores alongside your children.


It may be easier to just do the chores yourself, but think about the long term benefits and the lessons you are teaching your children by including them in the household chores.  By making chores a family ordeal and giving your kids a voice in the process, it may not solve all your problems but it should certainly help with the chores.



Does Personality Determine Success?


Chances are, every person in your family has a different temperament and personality.  Is achievement linked to personality?  And can negative personality traits automatically set your children up for failure? 

First lets look at several different characteristics of personalities.  Steven Pinker, who writes about mental capacity and personalities, says that personalities differ in at least five major ways:


1.  Sociable (extroverted) or Retiring (introverted)

2.  Constantly Worried (neurotic) or Calm and Self-satisfied (stable)

3.  Courteous and Trusting (agreeable) or Rude and Suspicious (antagonistic)

4.  Careful (conscientious) or Carless (undirected)

5.  Daring (open) or Conforming (non-open)


You can probably look at the above personalities and claim several of them for yourself and pin several more on your children.  

Moderation may be the key when it comes to having a “likeable” personality.   I can think of several people that I’ve known over the years that have extreme mannerisms and it always seems harder to get along with them.

Maybe it’s not so much about which personality your child has that makes them hard to get along with, as it is more about if they are willing or able to conform and be flexible when necessary.

Stephen Pinker, believes that achievement is not dependent upon personality.  He believes that it is possible for your children to change or moderate the tendencies that they were born with and adapt them to achieve success.  As parent’s, it’s our job to help them with this obstacle.

To do this you must concentrate on what they can do instead of their limitations.  I once read this statement by a wise person:  “Remember, your only handicap is your opinion of yourself.  If you think you are weak or stupid or maimed or downtrodden, you are.” 

If you want your children to exceed your expectations, then encourage them to do their best no matter what personality they have.  They may just surprise you and become the best.



Divide and Conquer – Ask the Kids for Help and Get More Done


Is your “to do” list spilling over onto several pages?  Do you have too much to do and not enough time to do it?

Why not employ the forces and start checking off those tasks, one by one.

Jim Fay, co-founder of the Love and Logic website, and  parenting expert says, “We all need to feel needed and to know that we’re making a contribution – even kids.  But they can’t feel that way if they don’t have chores and make contributions to the family.”

Do you hesitate to ask the kids for help because the tasks on your list are too hard?  Why not give them a chance?  Your child can probably do more than you think.  And if the job is more than they can handle alone, ask another sibling to help them out or you can work along side them.

Then you’ll be sure that the job is done right, you get to spend some quality time together, and the job still gets done.

What could be better?

Have you asked them for help but you’re not getting the response you would like?  Instead of dictating how and what should be done, how about giving them some say in what they do?  Maybe you can show them the list and let them pick out what they would prefer to help with.

Maybe a special reward can be received after a hard day of helping Mom or Dad.  After all, they did go above and beyond their normal chores and helped you knock off a couple things from your list!

If all else fails, maybe you could pull out the guilt trip card :)  Explain how most of your day goes toward helping them, ie. making their lunch, washing their clothes, helping them with homework – now you need a little help.

Teaching our kids to serve others can start right in the home by teaching them how to serve or help Mom and Dad.


Learn more by reading this related article:  Your Children Crave Responsibility – Give It To Them




Show the Love to Stop Sibling Rivalry

Sibling rivalry is normal in families with multiple children.  But are you tired of being the referee for all of their fights?

Children compete with each other for multiple things, and a parents attention and approval is no different.  In fact, this is totally normal.  Even as adults this can still happen.

Your job as a parent is to model good behavior and give each child positive attention.

Here are some ways you can cut down on the sibling rivalry in your home.

1.  Encourage better problem solving skills.  Instead of deciding who is right and who is wrong, when a conflict comes up, concentrate on getting along.  If someone tattles, encourage them to go back and solve the problem.  Help them develop skills of compromise, fairness, and taking turns.  Maybe you can institute house rules for what to do in certain situations.  For example, a timer can be set when the need arises to take turns.


2.  Don’t label your kids.  Beware of labeling your kids “good kid” or “bad kid”.  No child is all good or all bad.  This will lead to attacks out of jealousy.  It is likely that when a conflict occurs, everyone involved shares some responsibility.  A danger in labeling a child as the “bad kid” is that they will give up trying to do anything right because they always get in trouble anyway.


3.  Make everyone accountable for their own actions.  Sometimes you may wonder if the “bad child” is teaching a younger sibling how to misbehave.  You may blame and even discipline the “bad kid” for the behavior of a younger sibling.  Teach everyone that they are all responsible for their own actions.


4.  Role model good problem solving.  As parents, be an example of how to resolve problems and disagreements in respectful and non-aggressive ways.  In your dealings with other adults and in your dealings with your kids always find a way to solve the problem peaceably.


5.  Give each child positive attention.  Treat each child as a wonderful individual.  Reduce the competition between siblings by treating each of them as a unique individual and giving each of them positive attention and affection.  Maybe a monthly “date” between each child and each parent would be a good time to accomplish this.


Remember, the best way to combat sibling rivalry is to tell each of your children that you love and value them.  Tell them that they are special to you and be specific about what qualities you love about them.


Read this related article.  Tips on Teaching Your Kids to Be Nice




Let Your Kids Into Their Own House (Financial House, That Is)


Live with Bill Handle, LA’s #1 Drive Time Radio Host:  Kids and Money – Part 5 in a 5 part series with Gregg Murset, CFP

Sixty percent of parents say that their kids are not learning enough about how to manage money.

Gregg Murset, founder of shares, “Our kids are living in our homes but we’re not really letting them in.  We aren’t exposing them to the whole financial house.  It’s like when you clean up the house for company to come over, but our kids know that our house isn’t always spic and span clean.  We need to let them into our financial house, even if it isn’t in perfect order.”

Gregg advises us on how to help our kids start a budget, how to show them how much things cost, and how to encourage them to save.  And the ever controversial, ways to talk to your child about how much you make (without being afraid that your child will spread the word around the whole block).

See how Gregg handles these questions and more in this live interview.
Click here to listen to this interview and hear more.



Bucking the Trend. Paycheck by Paycheck and Not Even $500 Saved Up?

Live with Bill Handle, LA’s #1 Drive Time Radio Host:  Kids and Money – Part 4 in a 5 part series with Gregg Murset, CFP

A survey of 1,100 Americans shows that 41% of adults don’t even have $500 saved up for a rainy day.

Is this what we want to teach our children?

So, where do you start?

How do you do it?

And what are the tools?

Gregg shares, his thoughts on how to change the cycle and encourage your children to save.

Click here to listen to this interview and hear more.

Clarifying Wants vs. Needs: $1,100 for the Prom. Yeah, right!


Live with Bill Handle, LA’s #1 Drive Time Radio Host:  Kids and Money – Part 3 in a 5 part series with Gregg Murset, CFP.

Bill’s daughter just went to prom and luckily he didn’t have to fork out $1,100, but it was still several hundred dollars when all was said and done.

Gregg Mursett, founder of, says that to avoid this, we have to lay down the law early.  For example with prom, tell your child your in for $100 or $200 or whatever the amount may be ahead of time.  Then if they decide to spend more than that, on a limo, or make-up, or a manicure, they know ahead of time that they either have to save or do without.

Click here to listen to this interview and learn more tips and tricks to help your children clarify between wants and needs.



Entitlement Trap: Parents and Society Build it – Quit Acting So Surprised

Live with Bill Handle, LA’s #1 Drive Time Radio Host:  Kids and Money – Part 2 in a 5 part series with Gregg Murset, CFP

In our society today, everyone has to be a winner.  It has become socially acceptable to expect more for doing a whole lot less.

Gregg Murset, founder of shares an experience with Bill Handle, LA’s #1 drive time radio host, about how just this last week, his son ran in a 100 meter dash.  He unfortunately came in 6th out of 8 runners.  But when the son ran up to Dad to show him the medal he won, Gregg looked at it, only to find that it said 1st place in big letters across the front.

Bill shares how this is also the case with interns that come to work at the station.  They have zero experience, yet are shocked when they are offered a wage and benefits that are less than what they feel they deserve, all while being asked to keep learning.

How do we deal with this?  Gregg shares his suggestions in this live interview.


Click here to listen to this interview and hear more.

Click here to listen to this live interview.


Stopping the Boomerang Effect: Teach Kids About Work and Money or They’ll Keep Coming Back


Live with Bill Handle, LA’s #1 Drive Time Radio Host:  Kids and Money – Part 1 in a 5 part series with Gregg Murset, CFP

Gregg Murset, founder of, says, “It all boils down to the fundamentals.  You either teach your children to be financially responsible when they are 7 or you teach them when they are 27 and have come back to freeload off of you.”

A stunning 39% of adults ages 18-34 come back to live with their parents.

Even Bill Handle,  LA’s #1 drive time radio host,  admits to moving back in with his parents at the age of 34.

Are these kids home for a quick respite after a lost job or are they home to eat their parents food, use their car, and selfishly delay their parents retirement?

Click here to listen to this interview and hear more.