These are the 12 rules I live by

These are the 12 rules I live by. (By the way, I believe that EVERYONE has some personal philosophies or rules, and we'd love to hear yours in the comments section below.)

  1. I go to bed and get up at the same time 7 days per week (10pm and 5am.) I do not deviate from this schedule unless it is due to an important (and this word is not used lightly) work or social function. I stick to a diet of whole, natural foods, drink two to three quarts of distilled water each day and avoid alcohol.
  2. I write for at least 60 minutes first thing every morning.
  3. I do a quiet time with the Lord and Bible study for 30 to 45 minutes every morning.
  4. I do not check email before 9am.
  5. I do not talk on the phone unless it is a scheduled interview or conference call.
  6. I create a to-do list at the end of every workday and I follow that to-do list starting first thing the next morning. I also perform my daily readings at the end of every workday, and I write in a gratitude journal.I am thankful everyday for identifying my mission and what I wanted to do with my life at such a young age.
  7. I do not engage in confrontations with anyone, in-person or online. This is a waste of time and energy. If I have caused harm, I apologize and fix the situation.However, if someone simply doesn’t like something I have done or something that I do or disagrees with me, that is fine, but I’m not going to get into an argument about it.For any confrontation-like situation, I simply take a deep breath, relax, breathe out, and re-focus my efforts back on my work and goals.
  8. I am guided by these two phrases:
    a) Nothing matters.” By this, I mean that arguing on the internet changes nothing…I can only work towards the major, massive goals that I have set for my life…that I have a vision of helping others, and there is no time to let petty arguments stand in the way. b)It will all be over soon.” This serves me in both good times and in bad.In hard times, such as bad days, troubled times, or intense physical effort or discomfort, I know that it will all be over soon. A small amount of suffering now will be forgotten later when I will enjoy the rewards of my work.And in good times, I will remember that life is short, and I must make things count now, and no matter how good things are going I must never let myself become soft and lazy, because I have too much to accomplish in such a short time.

     

  9. Everything that happens to me, good and bad, is my personal responsibility. I blame no one but myself. These are the choices I’ve made, this is the life I’m living. I will accept the consequences of my actions.
  10. I will not stop until I have helped 1 Million men and women transform their lives physically, financially,spiritually, or emotionally.
  11. I will not be the person I don’t want to be. I will not be petty, jealous, or envious, or give in to any other of those lazy emotions.I will not gossip or speak badly of others, no matter who I am with or what environment I am in. I will not be negative when it is easier to be positive. I will not hurt others when it is possible to help.I will know the temptations, situations, and environments in life that I must avoid, and I will, in fact, avoid them, even if it means losing relationships with others who “live” in those environments. It’s my life and that matters more than what other people think of me.
  12. “I will always keep the child within me alive.” Frank McKinney. I will laugh everyday. That’s not hard when you have the friends and family that I have. And if they don’t make me laugh, there’s plenty of terrific movies on Netflix charter subscriber 12/99).

I’ve long since giving up caring about how others choose to judge me. What matters more than other’s opinions is the number of people that I can help by sharing advice and encouragement in my writing and products and services.

The most powerful songs are written by songwriters who bare their souls. So screw it, let’s do it. Let’s put it all out there.

I’m not going to help as many people as I could if I keep the “real info” to myself. I also understand now, better than ever, that sometimes you have to “write to repel” in order to strongly attract the readers you desire.

So that’s it. These 12 rules allow me to live my life with less guilt, more energy, and more productivity than if I did not have these personal philosophies outlined.

Now I know there will be two types of reactions to this content. First, some will dismiss it and dismiss me.

But to those people, remember the point of the list is not for you to sit there and think, “Oh, what a total weirdo. I never want to hang around with this guy.”

Instead, the point of the list, the idea, the article is to simply stimulate your thinking.

And that’s the 2nd type of reaction you can have to this article.

This is the reaction of the people who I’m interested in, the people who will realize what’s holding them back is not a lack of knowledge (because the knowledge is out there and freely available), but instead, it is decision making.

Listen, I know that every week you make decisions that leave you full of guilt and remorse, but on the other hand you also make decisions that you know are correct, even though they are difficult to make.

Wouldn’t you be better off if you made MORE correct decisions with less effort?

Of course, and that is where you rules to live by, your personal philosophies, come into play.

With this post, I’ve given you a model so that you can create your own personal philosophies that will allow you to make the correct decision and fewer decisions that leave you with remorse.

As a result of making more correct decisions, you’ll move closer to your goals and suffer less frustration. Life will be simpler once you start adhering to your own personal philosophies, and not worrying about what others think.

Again, I'd love to hear your personal philosophies as a comment on this page or by writing me at joe@joetufo.com

With honesty and feeling,

Joseph P. Tufo
Certified Cash Flow Consultant, Certified Capital Specialist, Certified Trainer MedXPrime
925-352-6000 Cell 800-669-2700 (USA Only)
https://www.medxprime.com/jptufo Learn about our MedXPrime programs and services
https://www.financialhalo.net/jptufo Learn about MedXPrime/FH and enroll as a new Associate
https://db202.isrefer.com/go/pfp/a1488/ PFP: Commercial Loans, Business Funding, REEP
http://www.StrydeAdvisors.com/161424 Agent Opportunity: R&D Tax Credits, Expense Reduction
http://www.gmgsavings.net/index.cfm?id=161423 Our Average Client Receives $240,000 in Tax Benefits!
Skype: jptufo
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“The surest way to accomplish your business goals is making service to others your primary goal. The key to success is adding value to other’s lives.” Kekich Credo #87

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Sincerely and with gratitude,
Joseph P. Tufo
Certified Cash Flow Consultant, Certified Capital Specialist, Certified Trainer MedXPrime
925-352-6000 Cell 800-669-2700 (USA Only)
https://www.medxprime.com/jptufo Learn about our MedXPrime programs and services
https://www.financialhalo.net/jptufo Learn about MedXPrime/FH and enroll as a new Associate
https://db202.isrefer.com/go/pfp/a1488/ PFP: Commercial Loans, Business Funding, REEP
http://www.StrydeAdvisors.com/161424 Agent Opportunity: R&D Tax Credits, Expense Reduction
http://www.gmgsavings.net/index.cfm?id=161423 Our Average Client Receives $240,000 in Tax Benefits!
Skype: jptufo
MedXPrime, Commercial Loans, Business Funding, Cost Segregation, R&D Tax Credit, Property Tax Mitigation, Accounts Receivable Recovery, PGX Testing, Bio-Shield and More...
Providing Honest Answers in a Timely Manner No Matter How Difficult the Situation
Trust, Integrity and Service Here Today Here Tomorrow
You may schedule a visit and meet me in person in the beautiful San Francisco Bay Area
THIS INFORMATION IS PRIVATE
"To enhance, preserve and protect the personal well-being of those who place their trust in us, helping you develop resources that resolve stress by providing proven, high-integrity products and services that exceed expectations. We will help you reduce anxiety and worry while increasing net worth. improving health and contributing to your enjoyment of life. We help you create a 'lifestyle by design.'''
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Why Invest?

Why Invest?

God is the perfect partner in any investment program. It is He who supplies all the seed to be planted. We plant it; He multiplies it. So, any investment program ought to be based around multiplying assets that God supplies and returning the bulk of the crop, as pointed out in the parable of the stewards in Luke 19:12-24. The seeds that we retain then bring in a greater harvest the next time. As we show our faithfulness, He will give us even more. Our responsibility is to return it to His work.

Reasons for investing

God's number one prerequisite for investing is always centered on our attitudes. Money can be used for the comfort and convenience of our families. It can be used to provide the needs of others. It can be used to spread the Gospel. Or it can be used for destructive purposes. Money, if misused, as in the case of the rich young ruler recorded in Matthew 19:16-30, can be an object of devotion and idolatry. Love of money has separated families and shattered friendships. Countless marriages have split up over the love of, or the misuse of money. Christians, therefore, must assess why they want to invest and how the surplus from the investments will be used, in the light of God's principles. God is not against prosperity, but He hates evil attitudes that often accompany prosperity. These attitudes include greed, covetousness, and pride. So, since ultimately attitude will determine how an investment surplus is used, it is vital to discover what attitudes God wants us to have.

In addition, there are scripturally sound reasons for investing, and there are unscriptural reasons for investing. If you are investing for the wrong reasons it's like having your ladder leaning against the wrong building. No matter how high you climb, you still end up on the wrong building.

So, first we will evaluate why people invest and accumulate money, and then we'll look at the scripturally sound and unsound reasons for investing.

Why do people invest?

  1. Others advise it. Many people invest simply because someone else advised them to. They don't have any clear personal plans or goals with regard to their investments. According to God's Word, we are to seek good counsel, but we must weigh all counsel received against His Word. Listen, but seek God's direction before taking action.
  2. Envy of others. Many people want to invest and accumulate wealth simply because they envy other people and their successes.
  3. It is a game to them. Many people invest because they consider it to be a competitive game. As such, they often get so wrapped up in the contest that they sacrifice family, friends, or health in order to win the game. They have no particular attachment to the money; it's winning that's important to them.
  4. Self-esteem and ego. Many want to accumulate wealth so that others will envy them. Those who are victims of this motive use their money in an attempt to buy esteem and bolster their pride and ego. “A man's pride will bring him low, but a humble spirit will obtain honor” (Proverbs 29:23).
  5. The love of money. Those who love money will not part with it for any reason. Their lives are characterized by hoarding and abasement. This is a type of idol worship, which separates us from God. First Timothy 6:10, Hebrews 13:5, and Luke 9:25 caution against the love of money.
  6. Protection. Many people accumulate money for protection. This attitude places money as the object of trust and security rather than God.
  7. Slothfulness. Often people don't plan well during the earlier years of their lives and, consequently, when faced with expenses in their middle or later years, they panic and try to generate in five years what they should have saved over the previous 20 years. A regular habit of spending less than you make and saving the difference is the proper investment plan.
  8. A spiritual gift. There is only one reason why God would supply a surplus of wealth to a Christian: so the needs of others can be met. If Christians want God to entrust greater riches to them, they must be found faithful in the smaller amount first (Luke 16:10-11). God promises His blessings to all who freely give and promises His curse on those who hoard, steal, covet, or idolize.

What are the scripturally sound and unsound reasons for investing? There are three scripturally sound reasons for investing.

  1. Multiply to give more. The parable of the talents recorded in Luke 19:12-26 tells us that God entrusts wealth to some of His stewards so that it will be available to Him at a later date. The management of the wealth requires that it be invested or multiplied.
  2. Meet future family needs. The indication throughout God's Word is that the heads of families should provide for their own (1 Timothy 5:8). Good planning requires laying aside some of the surplus for future needs.
  3. Further the Gospel and fund special needs. This type of giving is necessary to maintain and promote the Gospel. If the church is ever to break out of the borrowing habit, Christians who invest must maintain some surpluses and be willing to give to legitimate needs.

There are four unsound reasons for investing.

  1. Greed. Greed is the desire continually to have more and demand only the best (1 Timothy 6:9).
  2. Envy. Envy is the desire to achieve based on other people's successes (Psalm 73:3).
  3. Pride. Pride is the desire to be elevated because of material achievements (1 Timothy 6:17).
  4. Ignorance. Ignorance is following the counsel of other misguided people because of lack of discernment (Proverbs 14:7).

Once a Christian has accepted the purpose of investing—to serve God better—the crucial decision is how much to invest. This decision must be made after much prayer. In addition, a plan for the use and the distribution of the potential surplus must be made before the money becomes available. Set goals and pray about each goal before attempting to do any investing. If motives are anything but biblical, it would be better to give the money away rather than to risk losing something far more important than money—a relationship with the Lord.

Conclusion

Being rich or being poor is a matter of providence in God's will, and He will give us only what we are capable of handling. The Christian's responsibility is awesome and sobering. God, in His eternal plan, has decided to use us to supply and to fund His work. One day we must all stand before God and give an account of what we have done with His resources. Why does God provide an accumulation of wealth from investing? So His people can exercise giving in order to meet the needs of those who cannot provide for themselves.

 

Sincerely and with gratitude,
Joseph P. Tufo
Certified Cash Flow Consultant, Certified Capital Specialist, Certified Trainer MedXPrime
925-352-6000 Cell 800-669-2700 (USA Only)
https://www.medxprime.com/jptufo Learn about our MedXPrime programs and services
https://www.financialhalo.net/jptufo Learn about MedXPrime/FH and enroll as a new Associate
https://db202.isrefer.com/go/pfp/a1488/ PFP: Commercial Loans, Business Funding, REEP
http://www.StrydeAdvisors.com/161424 Agent Opportunity: R&D Tax Credits, Expense Reduction
http://www.gmgsavings.net/index.cfm?id=161423 Our Average Client Receives $240,000 in Tax Benefits!
Skype: jptufo
MedXPrime, Commercial Loans, Business Funding, Cost Segregation, R&D Tax Credit, Property Tax Mitigation, Accounts Receivable Recovery, PGX Testing, and More...
Providing Honest Answers in a Timely Manner No Matter How Difficult the Situation
Trust, Integrity and Service Here Today Here Tomorrow
You may schedule a visit and meet me in person in the beautiful San Francisco Bay Area
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Why We Say NO! A Lot and Mean It

Many times throughout each day we receive calls from folks like you: referrals, referral partners, past clients, current clients, prospective clients, or someone who Googled one of our websites.

Invariably, you tell us that your project or start-up is "the greatest thing since sliced bread," is a "billion dollar idea," We'd "be a fool if we didn't drop everything and devote all our time for free to get you funded."

To each of you who expect us to work for free we have this to say - NO! NO! NO! A thousand times NO!

WE'RE NOT IN THE FEE BUSINESS and WE'RE NOT IN THE WORK FOR FREE BUSINESS!

It's not that we're uninterested or impolite it's just that we've heard it thousands of times. Here's our thoughts:

  • Do we have the time?
  • Will we feel pressured to get it done?
  • Will we be upset with ourself?
  • Will we be resentful of the other person?
  • Will we feel duped, had, or swindled?
  • What do we have to give up to do this?
  • What can we gain (What's in it for us?)

No is our first option instead of the propensity to say yes that emanates from wanting to please, wanting to be liked, needing to be needed, being timid, avoiding confrontation, not knowing our rights, or feeling: plain and simple, that we should.

We're in the consulting and funding business. With 39 years (November 1976 to present) of financial services experience in insurance, securities, and finance we may be uniquely qualified to serve you and those whom you choose to refer.

We charge a fee because we do this full-time: 50 hours scheduled a week plus another 20+ working on the websites, writing articles and newsletters, recording audio and video, holding webinars and other tasks to help each of you.

We take on committed paying clients and then focus all of our effort and energy in getting you funded.

With PFP you have a 97% success rate IF you join as a member, have the 20% to 30% down payment and closing costs, and a minimum of 90 days to fund.

In our 17+ years experience in this business about 1/3 of what crosses our desks we can fund (you may not like the rates, terms and conditions but we can fund you), 1/3 is DOA - Dead on Arrival - even with the thousands of pages of information we've published, dozens of books and courses we've published - let's face it many of you can't or won't follow instructions, and the final 1/3rd is broken: your credit sucks, you have no business credit profile, you have more than three inquiries, you have derogatories, liens and judgments - you're a mess and it will take days, weeks, months, or years to fix. (PFP Excepted)

So it's not that we want to say NO! It's just that we have a way that we do business well and that works for us: pay us our fully earned, non-refundable commitment fee of $25,000 for each project of $2,500,000 or above (1% minimum $2,500 per project $25,000 maximum per project for six months of service). We'll roll up our sleeves, put on our thinking cap and get to work.

We have REAL funding sources that fund viable projects. Your project can be next.

As always we are available M-F 8AM to 6PM Pacific to serve you and those whom you choose to refer.


Sincerely and with gratitude,
Joseph P. Tufo
Certified Cash Flow Consultant, Certified Capital Specialist, Certified Trainer MedXPrime
925-352-6000 Cell 800-669-2700 (USA Only)
https://www.medxprime.com/jptufo Learn about our MedXPrime programs and services
https://www.financialhalo.net/jptufo Learn about MedXPrime/FH and enroll as a new Associate
https://db202.isrefer.com/go/pfp/a1488/ PFP: Commercial Loans, Business Funding, REEP
http://www.StrydeAdvisors.com/161424 Agent Opportunity: R&D Tax Credits, Expense Reduction
Skype: jptufo
MedXPrime, Commercial Loans, Business Funding, Cost Segregation, R&D Tax Credit, Property Tax Mitigation, Accounts Receivable Recovery, PGX Testing, Bio-Shield and More...
Providing Honest Answers in a Timely Manner No Matter How Difficult the Situation
Trust, Integrity and Service Here Today Here Tomorrow
You may schedule a visit and meet me in person in the beautiful San Francisco Bay Area
THIS INFORMATION IS PRIVATE
"To enhance, preserve and protect the personal well-being of those who place their trust in us, helping you develop resources that resolve stress by providing proven, high-integrity products and services that exceed expectations. We will help you reduce anxiety and worry while increasing net worth. improving health and contributing to your enjoyment of life. We help you create a 'lifestyle by design.'''
Confidentiality Notice: This electronic message, including any attachments, is confidential and solely for the use of the intended recipient. The information in this message may contain privileged or sensitive information, including patient information protected by HIPAA, HITECH, and other federal and state privacy laws. If you are not the intended recipient please notify the sender and destroy all copies of the original message including any attachments.
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Update: Credit Lines From $100,000 Up To $20,000,000 For Eligible Businesses

Update that came in at 6:30AM this morning June 30, 2009 from Bob:

Joe,

I forgot to attach an application like you requested yesterday. I can gather the materials needed for me to put together a term sheet or you can do that. Whatever level of involvement you want to have in a transaction is up to you. In order to put together a term sheet, I only need the following items:

1) A completed application

2) A current detailed AR aging report.

3) Last year's year end and this year's interim income statement and balance sheet.

Thank you,

Bob

Read the previous post. This bank's fees on factoring accounts receivable are a fraction of what normal factors charge. If you want to save money on fees with a creative seasoned banker, Bob's your man. Bob also knows a lot of people in the finance world and is a tremendous resource to me.

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