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We were assigned to join our site visit for Go Negosyo of the Department of Trade and Industry. We were set to assembly by 7 A.M. so I had to rise up early. I know I'm really usually early, but I have to make it there by 7 A.M. Fortunately, I was able to wake up early, and yes, was able to come to the assembly are, Negosyo Center on time. 
We were provided with a Starex Van for the transportation, for free, courtesy of DTI. 
Our first stop is in Mananum Bago, Medina, Misamis Oriental. It's MABFARMCO! A cooperative organized by Women in the Barangay. They've been existing since 2001 but was only recently able to start this buko pie making operation.
I got excited when I learned what was their product! I am really a fan of buko pie. I first fell in love with buko pies when my girl friend brought me one from Nueva Ecija, I think? (I hope I'm right). And yeah, it was so yummy! I wanted to eat buko pie more often. But it's not available here in Cagayan de Oro. At least not to my knowledge. So when I was told that our first stop is the place of production of buko pie, there's this exhilarating feeling inside me. Haha!
We arrived at the first destination around a few minutes after ten o'clock in the morning. We actually hungry. As we entered the premises, the women of MABFARMCO are already working on their craft. 
The busy ladies behind the buko pie of MABFARMCO!
We were also welcomed by the Cooperative with the Barangay Captain of Mananum Bag-o. 
The Barangay Captain who has been the father of the Cooperative, providing aid in ways he can to improve the cooperative's operation. He's also there when we had our visit. 
My colleagues started the inquisition. They've asked questions regarding the different aspects of operation from the women and from the Barangay Captain. Amazingly, ideas are flowing. 
Of course, in every trip, someone has to take pictures, you can see in the photos I captured someone is also, actually, taking pictures. Haha selfies should never be missing in every stop. haha 
The inquisition continues, questions here and there, pictures every where, we checked every part of the site. We were also informed, that they follow strict compliance of sanitation, and operational quality control to pass the examination of BFAD so they could also get a wider market once they got certification from the BFAD.
Go on ladies, don't bother us. We'd love watching you prepare your yummy buko pies. We'd love to know how you prepare them. 
Of course, it's buko pie. Expect buko! haha this is the first of the process, extracting the buko meat from its shell. These ladies are really wearing their mask while in the operation, to avoid contamination and well, compliance to the requirements.
Someone volunteered to take a picture with me on it. Thanks sir Alvin! You felt the need to volunteer so I could also be seen in the documentation! Haha 
Once the buko is extracted, it will be cooked here, with some mixes so it will become the buko filling of the pie. This was not yet cooked, it was just placed in the pan.
These bright minds here are discussing business strategies and processes to improve the cooperative's operation. I am amazed at how they've intricately examined the process and tried to give some inputs on improving their business operation. Well, that's what we are there for. We are consultants, and we ought to give some inputs. Good job guys!
I am also delighted to have seen this. It's simple! Their Vision and Mission!
Let me translate (feeling english expert)

VISION: "A God-fearing community united. Peaceful, progressive, enduring and honestly abiding with the law."

MISSION: "Strengthening the cooperative through constant evaluation by the members. Making projects intended for the growth/development of the cooperative and its members, through the use of latest technologies for an enduring farming and business." 

And these are the boxes for their finish products. Medina's choice, Buko Pie!
Making of the dough to be filled with buko. Contains flour and butter! I don't know the mix. But I was told it's made of flour and butter, and I don't know what else. haha
And these are the finish products. These were already chilled. The buko pie tastes better, according to them, when it's chilled.  So they want us to experience eating what they're making. 
Thanks Ates for the generosity. We've enjoyed your buko pie.
These oven and other equipments are provided by the government through the Department of Trade and Industry. The DTI is looking on other ways to improve and actually provided assistance in procuring for these types of businesses the equipments they needed but that they can't afford to acquire on their own. 
These are the cooked filling of the buko pie.
The ideas of these bright minds couldn't run out. So our guide had to stop the discussion and yeah, we have to head to the next stop. 
We left thinking about the pressing concern of this cooperative. They are proud to advertise that their product is 100% no preservatives! However, because of that, their product can only live up to 3 days according to Department of Science and Technology (DOST). But with an insider note, if refrigerated, the product could actually last up to 7 days. 
The real issue is, if they want to penetrate a larger market. But to do so, would be to require a product with a longer life. Not just 3 days. Considering that they are far from the City of Cagayan de Oro where malls are thriving. 
Hmmm, now I'm still thinking of ways to address the concern..
Our next destination is.....
The next stop! Yes, the handicraft bags, purse, wallets, chair cover, etc.
We've met the dynamic, and full of enthusiasm, 76-year old lady. She ushered us into their home and their facility where they weave, and make their products. 
These are some of their products, those are actually by product of the weaving. So nothing will go to waste, they create a bag out of the excess or wastes of the weaving operation.
Some works of art of the owner, very artistic good for decorations and souvenirs.
These are their weaving equipment. Production area. 
I also happened to spot their certificates and awards. They've had quite a collection of awards and certificates! Proves to established their brand, their quality, their craft!
And this guy right here, can't stop smiling out of amazement! Or out of being full! Haha we've had unlimited supplies of food. LOL!
Another craft that the artists of this establishment has made. 
And these are the output of their weaving. Placemats, table cloth, etc. The hats are inherited from the owner's great great grand parents. This establishment showcases culture and heritage! 
Another set of products! And hey, spot the upper part, another collection of certificates and awards!
The ladies can't help but open the collection of designer bags and purses. They really are girls! Bags! Yeah! Girls! haha
And they also can't help but climb up the room of the artist and have a picture taken with these finish products! haha 
These are also great boxes, containers, and souvenir items, good for gifts and even give aways during special occasions. 
More bags! More products! Classic and modern designs!
And we cannot allow leaving here, without actually seeing how they do it. So a man obliged to demonstrate how to weave. Now we're informed it's not that easy, and this would also explain why these items are priced the way they are priced. But if you buy from this establishment itself, you'd enjoy a discount! Yes, still relatively cheaper!
Even Christmas decoration are hand made! Really amazing business!
Then, we'd have to leave. Oh wait! Just to let you know! We've had our lunch there! Thanks Tita Esme for being so hospitable, we've bothered you a lot! Haha we enjoyed the food! The chicken are just awesome! And the "biko", yeah! It's delicious! Thank you so much!
Our next site is the processing plant of another cooperative in Balingasag. Their products are bottled bangus, boneless bangus, etc. They have a fish processing plant! And it's a bright day, so I can't miss taking a picture of the bright blue sky!
This cooperative is composed of women in Balingasag. They've organized themselves into a Women's Federation and was able to create a cooperative and the cooperative has made a fish processing plant. Isn't that amazing? 
As we entered the premises, inside the plant was this lady smiling at us as she was doing her job.
I spotted they have a quality control section. Unfortunately, they were not processing fish that day, so we haven't seen an actual process of deboning the "Bangus" (milk fish). But it's amazing that they are very strict with the facility usage and area. BFAD is imposing so much requirements to ensure the quality of the food they produce.
This was the deboning section. Fish would first enter this area. 
And yes, more inquisition happened. They were asking about the process, the product, the ingredients, etc.
See, very enthusiastic inquisition session! What's the matter Mr. Doblas? haha
These are the ingredients. Very basic! Carrots, pepper, I'm not sure what that green one is, and yeah, that is salt, oil and msg.
To finally satisfy our interest of seeing how this delicious bottled bangus are prepared, they've demonstrated how they are going to do the "bottling" of these bangus! 
Ate did not know I took a picture of her uniform. Good shirt ate! ๐Ÿ™‚
The finish products!
Again, it's good that they have good business practice. Organizational structure is displayed in their premises. 
Even their mission and vision! Now it's in english! I don't have to translate it! haha
Next stop! Another bottled fish! Sardines! Yeah! This is in Jasaan!
Alright busy buddies, stop the questioning please! I'm hungry once again! hahaha
I can't focus on the questioning when I can see these food! Banana! "Saging!" Waaaah!
And now I'm drooling! haha Camote! (Sweet Potato!)
The new endorser of the sardines!!Hey there Mr. Doblas! 
Look who can't wait to devour the food? haha Atty! Wait! haha
It was on that place where we really really really had enough food! haha I mean yeah, we had "ginamos", "saging", "camote"! Ahhh that was heaven! ahahah Puto was also served, fruits! Soft drinks! What can we ask for? Everything's there! Plus we get to taste their product! Spanish sardines? 
After we've once again filled our stomach, we headed for another handicraft site. Interesting designs welcomed us in this room.
I love these designs of lamp. These are the designs of a local artist.
Office wares are also available. Artistic handicraft materials are also displayed. Look at these!
The lamp is just amazing! It's great in a living room. Or even in your room! ๐Ÿ™‚ Adds to being romantic? 
Yeah guys, I know you have so much questions on mind! Go ahead! Fire! Hahaa
These are the ladies actually making the handicrafts! Good job ladies! Awesome products you have here!
We ended up ordering something. I was even thinking of bringing their product in the city! Hmmm, business idea! haha
Generally, we've observed that the common challenge for these enterprises is that they have encountered incidents when they said "No" to a demand just because they can't produce the required order. It's sad, because that could have been a great sale! That could have been a start of a greater business transaction. These establishments have declined mass orders because their production capacity is insufficient, or their manpower is insufficient. That's common to all these businesses. We have to come up with a recommendation to address this common issue.
So, in sum, I am thanking DTI for allowing me to join this site visit/tour! We've enjoyed so much! A lot of fun! And this site visit/tour has encouraged most of us to also be more entrepreneurial. Think about a business that we'd want to start. And think which of these businesses we'd want to help. Quite an experience! I would love to join another tour in another area again, if given another opportunity! I've learned a lot. A fun-filled day and experience! Great job guys! Go Negosyo! ๐Ÿ™‚

He was rated "dull, slow, and impractical" by his teachers and was asked to leave college. Despite this negative start, he was awarded a patent for the rotary steam engine before he turned twenty. His next invention, a device that put derailed trails back on track, was purchased by virtually every railroad in his country. Before this man's creative life was over, he patented over four hundred inventions and amassed an industrial empire that few have equalled. 
Even though he was disabled near the end of his life, he continued to invent, using his wheelchair to transport him from one project to another. He died surrounded by the sketches of his latest project - the motorized wheelchair.
The man labeled as "impractical and dull" was named George Westinghouse. He refused to accept the negative opinions of those around him and instead chose to become one of the richest and most creative men in history. I hope you choose to believe in yourself and strive for your goals even if others express negative opinions of your abilities.

With the right attitude and a touch of humor you can do what Mal Hancock did. Mal took the proverbial lemon of a paralyzing fall and turned that tragedy into real-life lemonade. Mal was in high school, facing a promising career in athletics, when a fall paralyzed him from the waist down. He endured some heartbreaking days trying to make the mental and physical adjustments.
There are no guarantees, as Mal Hancock learned, that life will be a bed of roses. On the contrary, you can count on facing some very strange events, but if you learn to face the unexpected with humor and optimism, you too can come out on top. While in the hospital Mal began to draw the scenes around him. Rather than complain about the nurse waking him at 3:00 A.M. for a sleeping pill, he drew a cartoon about it that made the point with a laugh. Soon all the nurses in the hospital were coming by to see what Mal had chosen to draw.
It wasn't long before he had sold one of those cartoons to a magazine. That single sale launched him into a successful career as a cartoonist. Today Mal Hancock's name can be read on cartoons in the Saturday Evening Post and T.V. Guide. Incidentally, his first book was called - you guessed it - Hospital Humor. (See full story here).
Mal learned a lesson which can be important to all of us. Even when you can't do anything about a situation (such as being paralyzed), you can do a lot about your attitude toward the situation.
As you begin your day, think about this and complete the second sentence:
  1. Today I will laugh with others as often as possible, remembering to take my family and my business seriously, but not to take myself too seriously.
  2. Today I will _____________________________________.

Are you "Money Conscious" or "Poverty Conscious"?
Poverty is attracted to the one whose mind is favorable to it, as money is attracted to him whose mind has been deliberately prepared to attract it, and through the same laws. Poverty consciousness will voluntarily seize the mind which is not occupied with the money consciousness. A poverty consciousness develops without conscious application of habits favorable to it. The money consciousness must be created to order, unless one is born with such a conscience. 
Catch the full significance of the statements in the preceding paragraph, and you will understand the importance of persistence in the accumulation of a fortune. Without persistence, you will be defeated, even before you start. With persistence you will win.
If you have ever experienced a nightmare, you will realize the value of persistence. You are lying in bed, half awake, with a feeling that you are about to smother. You are unable to turn over, or to move a muscle. You realize that you must begin to regain control over your muscles. Through persistent effort of will-power, you finally manage to move the fingers of one hand. By continuing to move your fingers, you extend your control to the muscles of one arm, until you lift it. Then you gain control over the muscles of one leg, and then extend it to the other leg. Then - with one supreme effort of will - you regain complete control over your muscular system, and "snap" out of your nightmare. The trick has been turned step by step.
How to "Snap Out of" Mental Inertia.
You may find it necessary to "snap out of" your mental inertia, through similar procedure, moving slowly at first, then increasing your speed, until you gain complete control over your will. Be persistent no matter how slowly you may, at first, have to move. With persistence will come success.
If you select your "Master Mind" group with care, you will have in it at least one person who will aid you in the development of persistence. Some men who have accumulated great fortunes did so because of necessity. They developed the habit of persistence, because they were so closely driven by circumstances, that they had to become persistent. 
Those who have cultivated the habit of persistence seem to enjoy insurance against failure. No matter how many times they are defeated, they finally arrive up toward the top of the ladder. Sometimes it appears that there is a hidden Guide whose duty is to test men through all sorts of discouraging experiences. Those who pick themselves up after defeat and keep on trying, arrive; and the world cries.  "Bravo! I knew you could do it!" The hidden Guide lets no one enjoy great achievement without passing the persistence test. Those who can't take it simply do not make the grade. 
Those who can "take it" are bountifully rewarded for their persistence. They receive, as their compensation, whatever goal they are pursuing. That is not all! They receive something infinitely more important than material compensation - the knowledge that "every failure with it the seed of an equivalent advantage."

Developing your attitude is like developing a skill on a musical instrument - it takes consistent practice to improve.
When the great Polish pianist Ignacy Jan Paderewski was elected Prime Minister of his country, he made one request before accepting the prestigious office. He would lead the country, but he must be allowed to practice his scales for two hours every day. Guitar virtuoso Andres Segovia requires the same of his students - two hours a day of playing scales.

And yet, who plays scales in a concert? You've never heard of a composition by Mozart or Brahms called "The Aelian Scale" or "Major Scale." However, without being thoroughly familiar with scales, a musician would remain remedial in his or her art. It is the complete mastery of the basics that gives birth to freedom of expression, ease of movement and cohesiveness in the delivery of each phrase.
So it is with each of us in our attitudes. Though we may have excelled in our approach to life, we must continue to develop every day. We need to practice having an excellent attitude in each and every endeavor, for it will always be true that we can improve the way we see problems, people and life.
After World War II, General Douglas MacArthur went to Japan to evaluate the rebuilding of the war-torn nation. The economy of Japan was in dire straits; the nation was struggling, having to use leftover resources just to stay afloat. As a result, any toy or appliance labeled "Made in Japan" was to be a trademark for one thing: poor quality. So General MacArthur brought in one of America's leading quality control experts, Dr. W. Edward Demming. 
After much evaluation and scrutiny, Demming came up with a set of business principles to help turn around Japan's economy. He called the country's most influential businessmen together and offered them a promise. He basically said, "If you will improve something about yourself and your product every day and make quality not merely something to be maintained but an achievement and a way of living, you will turn the economy of Japan around in 10 years. Then if you continue to improve something each day, even if it is a miniscule amount, in three decades you will become an economy world power."
That was quite a tall promise to make to this struggling nation, but they took it, hook, line and sinker. They even coined a new word for this approach: kaizen. The word means a constant, ever-increasing improvement that defines quality not as something to be maintained but something to be lived on a daily basis.
Over the next 10 years, the businesses of Japan did exactly that. They examined the American automobile; then they improved on it and sold it to American consumers. People began buying everything Japan produced because of the improved quality. Japanese ingenuity increased, and they improved on existing bands of appliances, electronics, tools, cameras and watches. Soon their products were in demand the world over.
In 10 years, the economy of Japan had reversed itself, and within three decades the country had become an economic world power. To this day, one of the most prestigious business awards is the W. Edward Demming Award.
If a change in attitude can do that for a nation's economy, how much more should we seek to do the same for our own personal economy? 
(From Wayne Cordeiro's "Atttitudes that Attract Success")
For a lot of times we neglect quality improvement, as we just think of being average, being just the way things are. Average. No wonder then that we're stuck. If each Filipino would strive to improve every day, we too can turn our country's economy around, in 10 years. 
It's been quite a while that we have slept over our economy's concern. Time to get up, and start making our brand in demand across the globe! 

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According to Napoleon Hill's "Think and Grow Rich" there are thirty-one major reasons or failure. As you go over the list, check yourself by it, point by point, for the purpose of discovering how many of these causes-of-failure stand between you and success.

  1. Unfavorable hereditary background. There is but little, if anything, which can be done for people who are born with a deficiency in brain power. This philosophy offers but one method of bridging this weakness - through the aid of the Master Mind. Observe with profit, however, that this is the only one of the thirty-one causes of failure which may not be easily corrected by any individual.
  2. Lack of a well-defined purpose in life. There is no hope of success for the person who does not have a central purpose, or a definite goal at which to aim. Ninety-eight out of every hundred of those whom I have analyzed had no such aim. Perhaps this was the major cause of their failure. 
  3. Lack of ambition to aim above mediocrity. We offer no hope for the person who is so indifferent as not to want to get ahead in life, and who is not willing to pay the price. 
  4. Insufficient education. This is a handicap which may be overcome with comparative ease. Experience has proven that the best-educated people are often those who are known as "self-made," or self-educated. It takes more than a college degree to make one a person of education. Any person who is educated is one who has learned to get whatever he wants in life without violating the rights of others. Education consists, not so much of knowledge, but of knowledge effectively and persistently applied. Men are paid, not merely for what they know, but more particularly for what they do with that which they know.
  5. Lack of self-discipline. Discipline comes through self control. This means that one must control all negative qualities. Before you can control conditions, you must first control yourself. Self-mastery is the hardest job you will ever tackle. If you do not conquer self, you will be conquered by self. You may see at one and the same time both your best friend and your greatest enemy, by stepping in front of a mirror.
  6. Ill health. No person may enjoy outstanding success without good health. Many of the causes of ill health are subject to mastery and control. These in the main are, (a) overeating of foods not conducive to health. (b) wrong habits of thought; giving expression to negatives. (c) wrong use of, and over-indulgence in sex. (d) lack of proper physical exercise. (e) an inadequate supply of fresh air, due to improper breathing.
  7. Unfavorable environmental influences during childhood. "As the twig is bent, so shall the tree grow." Most people who have criminal tendencies acquire them as the result of bad environment, and improper associates during childhood.
  8. Procrastination. This is one of the most common causes of failure. "Old Man Procrastination" stands within the shadow of every human being, waiting his opportunity to spoil one's chances of success. Most of us go through life as failures, because we are waiting for the "time to be right" to start doing something worthwhile. Do not wait. The time will never be "just right." Start where you stand, and work with whatever tools you may have at your command, and better tools will be found as you go along.
  9. Lack of persistence. Most of us good "starters" but poor "finishers" of everything we begin. Moreover, people are prone to give up at the first signs of defeat. There is no substitute for persistence. The person who makes persistence his watch-word, discovers that "Old Man Failure" finally becomes tired, and makes his departure. Failure cannot cope with persistence.
  10. Negative personality. There is no hope of success for the person who repels people through a negative personality. Success comes through the application of power, and power is attained through the cooperative efforts of other people. A negative personality will not induce cooperation. 
  11. Lack of controlled sexual urge. Sex energy is the most powerful of all the stimuli which move people into action. Because it is the most powerful of the emotions, it must be controlled, through    transmutation, and converted into other channels.
  12. Uncontrolled desire for "something for nothing." The gambling instinct describes millions of people to failure. Evidence of this may be found in a study of the Wall Street crash of '29 , during which millions of people tried to make money by gambling on stock margin.
  13. Lack of a well defined power of decision. Men who succeed reach decisions promptly, and change them, if at all, very slowly and change them frequently, and quickly. Indecision and procrastination are twin brothers. Where one is found, the other may usually be found also. Kill off this pair before they completely "hog-tie" yo to the treadmill of failure.
  14. One or more of the six basic fears. These fears have been analyzed for you in a later in a separate blog. They must be mastered before you can market your services effectively.
  15. Wrong selection of a mate in a marriage. This is a most common cause of failure. The relationship of marriage brings people intimately into contact. Unless this relationship is harmonious, failure is likely to follow. Moreover, it will be a form of failure that is marked by misery and unhappiness, destroying all signs of ambition.
  16. Over-caution. The person who takes no chances generally has to take whatever is left when others are through choosing. Over-caution is as bad as under-caution. Both are extremes to be guarded against. Life itself is filled with the element of chance. 
  17. Wrong selection of associates in business. This is one of the most common causes of failure in business. In marketing personal services, one should use great care to select an employer who will be inspiration, and who is, himself, intelligent and successful. We emulate those with whom we associate most closely. Pick an employer who is worth emulating.
  18. Superstition and prejudice. Superstition is a form of fear. It is also a sign of ignorance. Men who succeed keep on minds are afraid of nothing.
  19. Wrong selection of vocation. No man can succeed in a line of endeavor which he does not like. The most essential step in the marketing of personal services is that of selecting an occupation into which you can throw yourself wholeheartedly. 
  20. Lack of concentration of effort. The jack-of-all-trade seldom is good at any. Concentrate all your efforts on one definite chief aim.
  21. The habit of indiscriminate spending. The spendthrift cannot succeed, mainly because he stands eternally in fear of poverty. Form the habit of systematic saving by putting aside a definite percentage of your income. Money in the bank gives one a very safe foundation of courage when bargaining for the sale of personal services. Without money, one must take what one is offered, and be glad to get it.
  22. Lack of enthusiasm. Without enthusiasm one cannot be convincing. Moreover, enthusiasm is contagious, and the person who has it, under control, is generally welcome in any group of people.
  23. Intolerance. The person with a closed mind on any subject seldom gets ahead. Intolerance means that one has stopped acquiring knowledge. The most damaging forms of intolerance are those connected with religious, racial and political differences of opinion. 
  24. Intemperance. The most damaging forms of intemperance are connected with eating, strong drink, and sexual activities. Over-indulgence in any of these is fatal to success.
  25. Inability to cooperate with others. More people lose their positions and their big opportunities in life, because of this fault, than for all other reasons combined. It is a fault which no well-informed businessman or leader will tolerate.
  26. Possession of power that was not acquired through self-effort. (Sons and daughters of wealthy men, and others who inherit money which they did not earn). Power in the hands of one who did not acquire it gradually is often fatal to success. Quick riches are more dangerous than poverty.
  27. Intentional dishonesty. There is no substitute for honesty. One may be temporarily dishonest by force of circumstances over which one has no control, without permanent damage. But, there is no hope for the person who is dishonest by choice. Sooner or later, his deeds will catch up with him, and he will pay by loss of reputation, and perhaps even loss of liberty.
  28. Egotism and vanity. These qualities serve as red lights which warn others to keep away. They are fatal to success.
  29. Guessing instead of thinking. Most people are too indifferent or lazy to acquire facts with which to think accurately. They prefer to act on "opinions" created by guesswork or snap-judgments.
  30. Lack of capital. This is a common cause of failure among those who start out in business for the first time, without sufficient reserve of capital to absorb the shock of their mistakes, and to carry them over until they have established a reputation.
  31. Under this, name any particular cause of failure from which you have suffered has not been included in the forgoing list. 
In these thirty-one major causes of failure is found a description of the tragedy of life, which obtains for practically every person who tries and fails. It will be helpful if you can induce someone who knows you well to go over this list with you, and help to analyze you by the thirty-one causes of failure. It may be beneficial if you try this alone. Most people cannot see themselves as others see them. You may be one who cannot.

A few people have said to me, "I understand what you're saying about looking for what's right. But you can't deny that there are problems! There will always be problems. How do you deal with them practically?"
Sure, there will be problems, and each problem needs to be addressed. You need to meet them head on and courageously deal with them in a way that honors God and builds biblical character. However, here's a secret that has helped me over the years: When you speak of problems, always speak of them as changing.
Someone says, "You have a problem." Your response should be, "Yes, I do, but it's changing!" Someone else says, "Well, you've got financial problems." Your answer? "Yes, but that's changing!" When someone says to you, "Hey, you have a bad marriage." You say, "Yeah, but it's changing!" When someone says, "You've got bad breath." you can reply, "Yeah but it's changing!"
When you speak of problems as changing, you see a hopeful light at the end of the darkened tunnel. This is a positive indicator that you are growing.
However, if someone says, "You've got financial problems," and you say, "Man, do I ever have financial problems! I have always had financial problems, and I will probably always have financial problems until Jesus comes," this attitude acts as a magnet, inviting depression and cynicism. It shuts down your creative problem-solving ability and causes you to freeze up, leaving you perpetually in this state of financial need.
You will see problems everywhere, but don't allow your eyes to remain focused on them. Look for answers and that's what you will see. Develop a new perspective - a fresh view of your problems. Solve them, don't dwell on them. You'll be tempted to remain in slough of despair. It feels good, sometimes, to be pitied, and many of us look for reasons to remain in our unhappy circumstances. But don't do it. 
Failure is not when you get knocked down. Failure is when you refuse to get back up. Don't hang around the swamps of despair. They will only skew your attitude and impede your resilience. Learn to bounce back quickly.
Someone once said to me, "When you go through hell, don't stop to take pictures."
I agree!

It has been said that the smallest of boats is safe in the roughest of seas, just as long as none of that rough sea gets inside that small boat! Developing an attitude that attracts success is an inside job. you see, having a godly attitude does not mean you will never face problems or storms.
I can't remember who wrote it, but an old poem I came across went something like this:

One ship sails east
and another  sails west,
While the selfsame
breezes blow.
But it's the set of the sail
and not the winds
That determines
where it will go.
And as the storms rage on,
as we journey through life,
It will be the set of our hearts
that determines where we go,
Not the storms or strife.

Your attitude is the set of your sail. You must choose the direction you want your life to travel and set your heart accordingly. There will be storms, but it will be your attitude toward those storms that drives you in one direction or another, not the storm itself.
Each of us will be surrounded with problems at times, and we will often find ourselves steeped in hot water. But remember that the event will soon pass. The event is temporary, but the effects of how we respond in the midst of the event will last much longer. A poor attitude in the midst of the storm can cause the storm to rage inside for a lifetime.
(From Wayne Cordeiro's "Attitudes that Attract Success")

Analysis of over 25,000 men and women who had experienced failure disclosed the fact that lack of decision was near the head of the thirty-one major causes of failure.
Procrastination, the opposite of decision, is a common enemy which practically every man must conquer. 
Analysis of several hundred people who had accumulated fortunes well beyond the million-dollar mark disclosed the fact that every one of them had the habit of reaching decisions promptly, and of changing these decisions slowly, if, and when they were changed. People who fail to accumulate money, without exception, have the habit of reaching decisions, if at all, very slowly, and of changing these decisions quickly and often.
One of Henry Ford's most outstanding qualities was his habit of reaching decisions quickly and definitely, and changing them slowly. This quality was so pronounced in Mr. Ford, that it gave him the reputation of being obstinate. It was this quality which prompted Mr. Ford to continue to manufacture his famous Model T (the world's ugliest car), when all of his advisors, and many of the purchasers of the car, were urging him to change it.
Perhaps Mr. Ford delayed too long in making the change, but the other side of the story is that Mr. Ford's firmness of decision yielded a huge fortune, before the change in model became necessary. There is but little doubt that Mr. Ford's habit of definiteness of decision assumed the proportion of obstinacy, but this quality is preferable to slowness in reaching decisions and quickness in changing them.
The majority of people who fail to accumulate money sufficient for their needs are, generally, easily influenced by the opinions of others. They permit the newspapers and the gossiping neighbors to do their thinking for them. Opinions are the cheapest commodities on earth. Everyone has a flock of opinions ready to be wished upon anyone who will accept them. If you are influenced by opinions when you reach decisions, you will not succeed in any undertaking, much less in that of transmuting your own desire into money.
If you are influenced by the opinions of others, you will have no desire of your own.
Keep your own counsel, when you begin to put into practice the principles described here, by reaching your own decisions and following them. Take no one into your confidence, except the members of your "Master Mind" group , and be very sure in your selection of this group, that you choose only those who will be in complete sympathy and harmony with your purpose.
Close friends and relatives, while not meaning to do so, often handicap one through "opinions" and sometimes through ridicule, which is meant to be humorous. Thousands of men and women carry inferiority complexes with them all through life, because some well-meaning but ignorant person destroyed their confidence through "opinions" or ridicule.
You have a brain and mind of your own. Use it, and reach your own decisions. If you need facts or information from other people to enable you to reach decisions, as you probably will in many instances, acquire these facts or secure the information you need quietly, without disclosing your purpose. 
It is characteristic of people who have but a smattering or veneer of knowledge to try to give the impression that they have much knowledge. Such people generally do too much talking, and too little listening. Keep your eyes and ears wide open - and your mouth closed, if you wish to acquire the habit of prompt decision. Those who talk too much do little else. IF you talk more than you listen, you not only deprive yourself of many opportunities to accumulate useful knowledge, but you also disclose your plans and purposes to people who will take great delight in defeating you, because they envy you.
Remember, also, that every time you open your mouth in the presence of a person who has an abundance of knowledge, you display to that person your exact stock of knowledge, or your lack of it! Genuine wisdom is usually conspicuous through modesty and silence.
Keep in mind the fact that every person with whom you associate is, like yourself, seeking the opportunity to accumulate money. If you talk about your plans too freely, you may be surprised when you learn that some other person has beaten you to your goal by putting into action ahead of you, the plans of which you talked unwisely.
Let one of your first decisions be to keep a closed mouth and open ears and eyes.
As a reminder to yourself to follow this advice, it will be helpful if you copy the following epigram in large letters and place it where you will see it daily: "Tell the world what you tend to do, but first show it."
This is the equivalent of saying that "Deeds, and not words, are what counts most."
(From Napoleon Hill's "Think and Grow Rich")
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