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How to Make It and How to Hold on to It

Richard Templar

1. Wealth. 2. Finance, Personal. 3. Money. 4. Success.
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 978-0-13-290781-1 (pbk. : alk. paper)
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There’s an old saying “Money, money, money—it’s all they can think about.”
Unlikely to be true of course, given that hardly anybody thinks about money
itself (unless they happen to be a coin collector). The reason we all pursue and
desire and fiercely protect money is because of what we can do with it.
And no, of course money can’t buy you love or happiness. Although it can buy a
good deal of pleasure—and remove a lot of unhappiness. But it can buy you
plenty of other things. Over the years I’ve identified the ten things which people
most seem to want to spend their money on:
1 Security: A home of your own and enough money in the bank to support
you in the way you want, plus a bit in hand for emergencies, and a big
enough pension to ensure a comfortable retirement.
2 Comfort: A warm and spacious house, a big car, someone to clean or mow
the lawns or do the laundry or mind the kids, and good quality medical care
whenever you want it.
3 Luxuries: Exotic vacationss, fine wines, meals at top-class restaurants,
expensive clothes, the best seats at sports events or opera or whatever you enjoy.
4 Mobility: First-class train seats and plane tickets, trips on cruise ships,
chauffeur-driven cars wherever you are in the world.
5 Status: Prestigious invitations, access to important people and exclusive
clubs, and perhaps even gratifying deference from others.
6 Influence: As a generous donor of substantial sums, you can make sure that
your views and wishes are listened to and taken seriously.
7 Freedom: Not being dependent on employers, bosses, creditors, clients,
customers. Not being a slave to the calendar, diary, or clock. Knowing you
won’t have to be a burden on your children.
8 Leisure: Time to do the things you want, go where you want, meet who you
want, when you want.
9 Popularity: Being able to entertain friends, acquaintances, and contacts
frequently and generously does wonders for your social life.
10 Philanthropy: Being able to make regular and substantial donations gives
you the satisfaction of helping people, supporting organizations, and furthering
causes you believe in.
Seems a reasonable enough list to me. And whether it’s some or all those things
that you’d like more of, you need to know how to go about generating greater
wealth—which means you need to know what it is that separates the wealthy
from the not-so-wealthy. So, what you need to know is what principles, and what
behaviors the rich have, that you don’t (yet). Some of them you will realize that
you know, but don’t do. None of this is actually rocket science; it’s about
understanding and then doing. I’ve studied a lot of wealthy people, and it’s clear
to me that there are some fundamental common principles followed by almost
all. The bulk of the Rules in this book fall into that category. Then there are also
some principles which some rich people swear by, but not all. I’ve included
some of those too for good measure, just in case you too are one of the people
they do the trick for.
Security, comfort, luxuries, mobility, status, influence, freedom, leisure,
popularity, philanthropy—that’s all some people think about. They may not be
everything; they may not even guarantee a happy life, but they’re a pretty good
basis to build happiness on.
I’ve tried to set out in this book the most important Rules that can help you
achieve these ten things. All of them purport to be about accumulating money,
and of course in a sense they are, but at heart they’re about money only as a
means to an end. A means to achieve those ten ends.
Of course I don’t claim that these hundred or so Rules are the only means to
these particular ends. You may encounter others along the way that you find
helpful. If so, please do feel free to share them. You can email me at
Richard Templar

Table of Contents
Part I Thinking Wealthy
1 Anybody Can Be Wealthy—You Just Need to Apply Yourself
2 Decide on Your Definition of Wealth
3 Set Your Objectives
4 Keep It Under Your Hat
5 Most People Are Too Lazy to Be Wealthy
6 Get a Reality Check
7 Understand Your Money Beliefs and Where They Come From
8 Understand That Wealth Is a Consequence, Not a Reward
9 Decide What You Want Money For
10 Understand That Money Begets Money
11 Calculate the Net Return
12 If You See Money as the Solution, You’ll Find It Becomes the Problem
13 You Can Make Lots of Money, You Can Enjoy Your Job, and You Can
Sleep Nights
14 Don’t Make Money by Being Bad
15 Money and Happiness—Understand Their Relationship
16 Know the Difference Between Price and Value
17 Know How the Wealthy Think
18 Don’t Envy What Others Have
19 It’s Harder to Manage Yourself Than It Is to Manage Your Money
Part II Getting Wealthy
20 You’ve Got to Know Where You Are Before You Start
21 You’ve Got to Have a Plan
22 Get Your Finances Under Control
23 Insurance Pays Someone, and Odds Are It’s Not You
24 Only by Looking Wealthy Can You Become Wealthy
25 Speculate to Accumulate (No, This Isn’t Gambling)
26 Decide Your Attitude to Risk
27 Think Through the Alternatives to Taking a Risk
28 If You Don’t Trust Someone, Don’t Do Business With Them
29 It’s Never Too Late to Start Getting Wealthy
30 Start Saving Young (or Teach Your Kids This One If It’s Too Late for You)
31 Understand That Your Financial Needs Change at Different Stages of Your
32 You Have to Work Hard to Get Rich Enough Not to Have to Work Hard
33 Learn the Art of Deal Making
34 Learn the Art of Negotiating
35 Small Economies Won’t Make You Wealthy but They Will Make You
36 Real Wealth Comes from Deals Not Fees
37 Understand That Working for Others Won’t Necessarily Make You Rich—
but It Might
38 Don’t Waste Time Procrastinating—Make Money Decisions Quickly
39 Work as If You Didn’t Need the Money
40 Spend Less Than You Earn
41 Don’t Borrow Money—Unless You Really, Really Have To
42 Consider Consolidating Debts
43 Cultivate a Skill and It’ll Repay You Over and Over Again
44 Pay Off Your Loans and Debts as a Priority
45 Don’t Be Too Busy Earning a Living to Make Some Money
46 Save in Big Chunks—or Should You?
47 Don’t Rent; Buy
48 Understand What Investing Really Means
49 Build a Bit of Capital, Then Invest It Wisely
50 Understand That Property, in the Long Run, Will Not Outpace Shares
51 Master the Art of Selling
52 See Yourself as Others Do
53 Don’t Believe You Can Always Win
54 Don’t Pick Stocks Yourself If You Don’t Know What You’re Doing
55 Understand How the Stock Market Really Works
56 Only Buy Shares (or Anything) You Can Understand
57 Use Your Head
58 By All Means, Use the Investment Professionals (but Don’t Be Used by
59 If You Are Going to Get Financial Advice, Pay for It
60 Don’t Fiddle
61 Think Long Term
62 Have a Set Time of Day to Work on Your Wealth Strategy
63 Pay Attention to Detail
64 Create New Income Streams
65 Learn to Play “What If?”
66 Control Spending Impulses
67 Don’t Answer Ads That Promise Get-Rich-Quick Schemes—It Won’t Be
You Who Gets Rich Quick
68 There Are No Secrets
69 Don’t Just Read This—Do Something
Part III Get Even Wealthier
70 Carry Out a Finance Health Check Regularly
71 Get Some Money Mentors
72 Play Your Hunches
73 Don’t Sit Back
74 Get Someone to Do the Stuff You Can’t
75 Know Yourself—Solo, Duo, or Team Player
76 Look for the Hidden Asset/Opportunity
77 Don’t Try to Get Rich Too Quickly
78 Always Ask What’s In It for Them
79 Make Your Money Work for You
80 Know When to Let Go of Investments
81 Know Your Own Style
82 Know Why You Should Be Able to Read a Balance Sheet—and How
83 Be One Step Ahead of Your Tax Collector
84 Learn How to Make Your Assets Work for You
85 Don’t Ever Believe You’re Only Worth What You Are Being Paid
86 Don’t Follow the Same Route as Everyone Else
Part IV Staying Wealthy
87 Shop for Quality
88 Check the Small Print
89 Don’t Spend It Before You’ve Got It
90 Put Something Aside for Your Old Age—No, More Than That!
91 Put Something Aside for Emergencies/Rainy Days—the Contingency Fund
92 You Paid What for It? How to Shop Around
93 Never Borrow Money from Friends or Family (but You Can Allow Them to
94 Don’t Surrender Equity
95 Know When to Stop
Part V Sharing Your Wealth
96 Use Your Wealth Wisely
97 Never Lend Money to Friends or Family Unless You Are Prepared to Write
It Off
98 Don’t Lend, Take Equities
99 You Really, Really Can’t Take It with You
100 Know When/How to Say No—and Yes
101 Find Ways to Give People Money Without Them Feeling They Are in Your
102 Don’t Over-Protect Your Children from the Valuable Experience of Poverty
103 Know How to Choose Charities/Good Causes
104 Spend Your Own Money Because No One Will Spend It as Wisely as You
105 Take Responsibility Before You Take Advice
106 Once You’ve Got It, Don’t Flaunt It
107 What’s Next? Pacts with the Devil?

The Rules of Money- How to Make It and How to Hold on to It, Expanded Edition
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- The Surprising Secrets of America's Wealthy -

Thomas J. Stanley, Ph.D. & William D. Danko, Ph.D.
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 277 p
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 Mobipocket edition: 9780795314858
 1996 by Thomas J. Stanley
 and William D. Danko

A reporter recently asked me about the changes I have noticed among the
American millionaire population since the current economic meltdown. She
wanted to know if the millionaire market is dead given the recent reversals in the
market value of stocks and homes. I replied that the millionaire next door is still
alive and kicking even today in this recession. Since 1980 I have consistently
found that most millionaires do not have all of their wealth tied up in their stock
portfolios or in their homes. One of the reasons that millionaires are
economically successful is that they think differently. Many a millionaire has
told me that true diversity has much to do with controlling one’s investments; no
one can control the stock market. But you can, for example, control your own
business, private investments, and money you lend to private parties. Not at any
time during the past thirty years have I found that the typical millionaire had
more than 30 percent of his wealth invested in publicly traded stocks. More often
it is in the low-to-mid-20-percent range. These percentages are consistent with
those found in studies conducted by the Internal Revenue Service, which has the
best data set on millionaires in the world.

Consider the profile of a millionaire-next-door-type couple, Ms. T and her
husband. To most, this couple’s lifestyle is boring, even common. This
millionaire’s brand of watch is a Timex; her husband’s is a Seiko (number one
among millionaires). The couple buys their clothes at Dillard’s, J.C. Penney, and
TJ Maxx. They have purchased only two motor vehicles in the past 10 years:
both Fords. The current market value of their home is approximately $275,000.
Ms. T’s most recent haircut cost $18. Yet they are uncommon in the sense that
they are financially independent.

When I speak of people like Ms. T and her husband, invariably someone will
ask: “But are they happy?” Fully 90 percent of millionaires who live in homes
valued at under $300,000 are extremely satisfied with life. And, in my most
recent work, I state that there are nearly three times as many households with
investments of $1 million or more living in homes valued at $300,000 or less
than there are living in homes valued at $1 million or more.

Even most multimillionaires in America don’t live in expensive homes. I
recently tabulated the 2007 IRS estate data (the latest data available) for those
decedents with an estate valued at $3.5 million or more. I estimated that the
median market value of a decedent’s home was $469,021, or less than 10 percent
of their median net worth. On average these decedents had more than two-andone-
half times more of their wealth invested in investment real estate than in
their own personal homes.

Profiling the millionaire next door population was a cumulative process which
continues today. Originally I used a different description to define this segment. I
first coined the “wealthy blue collar” segment in a paper entitled “Market
Segmentation: Utilizing Investment Determinants,” which I presented on
October 10, 1979 at a conference of the Securities Industry Association in New
York City. The paper was later published by the American Marketing
Association. Earlier in May 1979, the New York Stock Exchange had asked me
to develop a set of marketing implications and recommendations based upon its
then recently completed national survey of 2,741 households on investment
patterns and attitudes and behaviors about money. This provided a base for the
above-mentioned paper. A key point I made in this paper was:
opportunities exist in segments that the [investment] industry has
ignored for years…. [Members of] the really big segment, the wealthy
blue collar, do not need to purchase expensive artifacts that are part of
the white collar workers’ knapsack….

At the time of my presentation I realized that the blue-collar/millionaire next
door segment did exist, and it was likely to be a sizable one. Not long after I first
idenrified this marker, I discovered how very large it indeed was.
In June 1980 I was asked by a large money center bank to conduct a national
study of the millionaire population in America. During the planning stage, an
event took place which had a major influence upon the direction of my career I
encountered my epiphany about the millionaire-next-door segment one morning
at a task force meeting with my client and a colleague and friend, Jon Robbin.
Jon is a Harvard-trained mathematician who profiled the wealth characteristics
of the residents within each of more than 200,000 neighborhoods across
America. He said, in passing, “About one-half of the millionaires in America
don’t live in upscale neighborhoods.” That’s when the light went on inside my
head! The really compelling story was not the millionaire population in general.
Rather it was the low-profile millionaires, the ones who lived in modest homes
situated in middle-class, even working-class neighborhoods. From that moment
on, I intensely began studying and writing about the millionaire-next-door types.

The research that I conducted thirty years ago in 1980 was the first
comprehensive national study about the size, geographic distribution, and
financial lifestyles of millionaires. The key findings were highly congruent with
the numerous studies that I have conducted since that time.

I authored “The National Affluent Study 1981-1982” for a consortium of the
top fifty financial institutions in America. In addition to designing this study, I
traveled the country conducting focus group interviews with millionaires. Later,
many of these financial institutions, including seven of the top ten trust
companies in America, asked me to conduct focus group interviews and surveys
of the affluent on their behalf. As a result, I had the opportunity to meet with
more than 500 millionaires face to face. My interpretation of these interviews as
well as many others that I conducted is given throughout The Millionaire Next
Door. Interestingly, the millionaires I interviewed in Oklahoma and Texas, for
example, had the same set of traditional American values as those whom I
interviewed in New York City and Chicago. The large majority was keenly
interested in being financially independent. That’s why they lived below their means.

Prior to writing The Millionaire Next Door, I spent nearly an entire year
reviewing my survey data and the transcripts of the interviews conducted
between 1982 and 1996. This extensive research and analysis, I believe, is what
makes The Millionaire Next Door a perennial best seller. For the price of a book,
the reader is essentially buying the equivalent of more than $1 million worth of
invaluable research and interpretation.

Why do I continue to write about rich people? It is not for the benefit of rich
people! What I write is designed to enlighten those who are confused and
misinformed about what it means to be rich. Most Americans have no idea about
the true inner workings of a wealthy household. The advertising industry and
Hollywood have done a wonderful job conditioning us to believe that wealth and
hyperconsumption go hand in hand. Yet, as I have said many times, the large
majority of the rich live well below their means. Unfortunately, most Americans
think that they are emulating the rich by immediately consuming any upward
swing in their cash flow.
But the millionaire-next-door types do it differently. As one millionaire
woman trained as an engineer told me, “After college my husband (also an
engineer) and I both got good jobs. We lived on one income and saved the other.
Anytime we got raises we just saved more. We have lived in the same modest
1,900-square-foot home for twenty years…. Sometimes my kids ask if we are
poor because I make them order from the $1 value menu.”

America is still the land of opportunity. Over the past thirty years I have
consistently found that 80 to 85 percent of millionaires are self-made. There is
great pride, joy and satisfaction to be derived from building one’s own fortune.
Countless millionaires have told me that the journey to wealth is much more
satisfying than the destination. When they look back over their history of
building wealth, they recall constantly setting economic goals and the great
happiness gained from achieving them. Yes, in the context of economic
achievement, it is the trip, the journey to financial independence about which the
millionaires next door most often boast.
Thomas J. Stanley, Ph.D.
June 2010
Atlanta, Georgia
Visit Dr. Stanley at

Twenty years ago we began studying how people become wealthy. Initially, we
did it just as you might imagine, by surveying people in so-called upscale
neighborhoods across the country. In time, we discovered something odd. Many
people who live in expensive homes and drive luxury cars do not actually have
much wealth. Then, we discovered something even odder: Many people who
have a great deal of wealth do not even live in upscale neighborhoods.

That small insight changed our lives. It led one of us, Tom Stanley, out of an
academic career, inspired him to write three books on marketing to the affluent
in America, and made him an advisor to corporations that provide products and
services to the affluent. In addition, he conducted research about the affluent for
seven of the top ten financial service corporations in America. Between us, we
have conducted hundreds of seminars on the topic of targeting the wealthy.
Why are so many people interested in what we have to say? Because we have
discovered who the wealthy really are and who they are not. And, most
important, we have determined how ordinary people can become wealthy.

What is so profound about these discoveries? Just this: Most people have it all
wrong about wealth in America. Wealth is not the same as income. If you make a
good income each year and spend it all, you are not getting wealthier. You are
just living high. Wealth is what you accumulate, not what you spend.
How do you become wealthy? Here, too, most people have it wrong. It is
seldom luck or inheritance or advanced degrees or evenintelligence that enables
people to amass fortunes. Wealth is more often the result of a lifestyle of hard
work, perseverance, planning, and, most of all, self-discipline.

How come I am not wealthy?

Many people ask this question of themselves all the time. Often they are hardworking,
well-educated, high-income people. Why, then, are so few affluent?

Table of Contents
1: Meet the Millionaire Next Door
2: Frugal Frugal Frugal
3: Time, Energy, and Money
4: You Aren’t What You Drive
5: Economic Outpatient Care
6: Affirmative Action, Family Style
7: Find Your Niche
8: Jobs: Millionaires versus Heirs
Appendix 1
Appendix 2
Appendix 3

1-1: The Top Ten Ancestry Groups of American Millionaires
1-2: The Top Fifteen Economically Productive Small Population Ancestry Groups
2-1: Prices Paid by Millionaires for Clothing and Accessories
2-2: Credit Cards of Millionaire Household Members
2-3: Contrasts among American Taxpayers
3-1: Concerns, Fears, and Worries: Dr. North vs. Dr. South
3-2: Consumption Habits: The Norths vs. the Souths
3-3: Income and Wealth Contrasts: The Norths vs. the Souths
3-4: Concerns, Fears, and Worries: PAWs vs. UAWs
3-5: Investment Planning and Demographic Contrasts: Middle-Income PAWs vs. UAWs
3-6: Hours Allocated: Dr. North vs. Dr. South
4-1: Motor Vehicles of Millionaires: Model-Year
4-2: Motor Vehicles of Millionaires: Purchase Price
4-3: Motor Vehicle Acquisition Orientations of Millionaires
4-4: Economic Lifestyles of Motor Vehicle Acquisition Types
5-1: Economic Outpatient Care Given by Affluent Parents
5-2: Receivers vs. Nonreceivers of Cash Gifts
6-1: The Likelihood of Receiving a Substantial Inheritance: Occupational Contrasts
6-2: The Likelihood of Receiving Substantial Financial Gifts: Occupational Contrasts
6-3: Mean Annual Earnings: Men vs. Women
6-4: Corporate Executive—Gifts and Inheritance
6-5: Entrepreneur—Gifts and Inheritance
6-6: Physicians—Gifts and Inheritance
7-1: Estimated Allocations of Estates Valued at $1 Million or More
7-2: Estimated Fees for Estate Services
7-3: Predicted Number and Value of Estates of $1 Million or More
7-4: Predicted Number of Estates Valued at $1 Million or More Rank Ordered by
Number of Estates by State for the Year 2000
7-5: Estimated Number of Millionaire Households in the Year 2005
8-1: Rankings of Selected Categories of Sole Proprietorships
8-2: The Top Ten Most Profitable Sole-Proprietorship Businesses
8-3: Selected Businesses/Occupations of Self-Employed Millionaires

The Millionaire Next Door- The Surprising Secrets of America's Wealthy
Preface copyright © 2010 by Thomas J. Stanley
Cover art to the electronic edition copyright © 2010 by RosettaBooks, LLC

Electronic edition published 2010 by RosettaBooks LLC, New York.

This publication is designed to provide accurate and authoritative
information in regard to the subject matter covered. It is sold with the
understanding that neither the author nor the publisher is engaged in
rendering legal, investment, accounting, or other professional services. If
legal advice or other expert assistance is required, the services of a
competent professional person should be sought.

All the names in the case studies contained in this book are pseudonyms.

John C. Maxwell

Turning Mistakes into Stepping Stones for Success

1. Success—Psychological aspects. 

2. Self-actualization—Case studies. 

3. Success in business—Case studies. 

4. Failure (Psychology)

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Book Details
 578 p
 File Size 
 1,086 KB
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 978-0-7852-7430-8 (he)
 978-0-7852-6815-4 (ie)
 978-0-7852-8857-2 (tp)
 2000 by Maxwell Motivation, Inc 

About the Author
John C. Maxwell is an internationally recognized leadership
expert, speaker, and author who has sold over 12 million books.
His organizations have trained more than one million leaders
worldwide. Dr. Maxwell is the founder of Injoy Stewardship
Services and EQUIP. Every year he speaks to Fortune 500
companies, international government leaders, and
organizations as diverse as the United States Military
Academy at West Point and the National Football League. A
New York Times, Wall Street Journal, and Business Week bestselling
author, Maxwell was one of 25 authors named to's 10th Anniversary Hall of Fame. Two of his
books, The 21 Irrefutable Laws of Leadership and Developing
the Leader Within You, have each sold over a million copies.

Becoming a REAL Success
As I speak around the country, people often ask me why I write books.
I've been asked that question so many times that I want to
give you the answer before you begin reading the first chapter of Failing Forward,
I have dedicated my life to adding value to people. It's the
reason I teach conferences, record lessons on cassette, create
training videos, and write books. It's the reason I lead my
organization, The INJOY Group. I want to see people achieve. I
want to see each person I meet become a REAL success.
I believe that to succeed, a person needs only four things.
You can remember them by thinking of the word REAL.

Relationships: The greatest skill needed for success is the
ability to get along with other people. It impacts every aspect
of a persons life. Your relationships make you or they break you.
Equipping: One of the most significant lessons I've learned
is that those closest to you determine the level of your
success. If your dreams are great, you achieve them only with a team.
Attitude: People's attitudes determine how they approach
life day to day. Your attitude, more than your aptitude, will determine your altitude.
Leadership: Everything rises and falls on leadership. If you
desire to lift the lid on your personal effectiveness, the only
way to do it is to increase your leadership skills.

If you pick up any one of my books, you can be sure that it
seeks to add value in one of these four areas. I've written this
particular book to change your attitude about failure. Read it,
absorb it, and allow it to help you turn your mistakes into
stepping-stones for success. My desire is that Failing
Forward will add value to your life.

Table of Contents
Preface: Becoming a REAL Success
1. What's the Main Difference Between People
Who Achieve and People Who Are Average?
Mary Kay Ash put her life savings on the line to start her
business; then tragedy threatened to overcome her. Instead,
she overcame it and built a world-class business in the
process. The secret? She possessed the one quality that
separates achievers from average people.
Redefining Failure and Success
2. Get a New Definition of Failure and Success
What is failure? Truett Cathy knew from experience what it
was—and wasn't. That's why the little restaurant he founded
south of Atlanta, Georgia, has grown into a billion-dollar
3. If You've Failed, Are You a Failure?
Achievers possess seven qualities that keep them from
becoming failures. Erma Bombeck and Daniel Ruettiger
possessed them. Do you?
4. You're Too Old to Cry, but It Hurts Too Much to Laugh
The Wright Brothers should not have been the first to achieve
flight in an airplane. But the man destined to do it gave up
before he achieved his dream. What created the difference
between them?
5. Find the Exit Off the Failure Freeway
What's worse than being stuck in rush-hour traffic? Being
stuck on the failure freeway. If you want to succeed, you cant
be like Rosie Ruiz. You must learn to find the exit.
Do You Mind Changing Your Mind?
6. No Matter What Happens to You, Failure Is an Inside Job
Floodwaters engulfed his store, causing $1 million worth of
damage. Most people would have given up, but not Greg
Horn. Find out why.
7. Is the Past Holding Your Life Hostage?
What would you do if someone built a public monument to
your past failure? Arnold Palmer had that happen to him
when he was at the top of his game. See how he handled it.
8. Who Is This Person Making These Mistakes?
For thirty-Jive years, the greatest obstacle to John James
Audubon's success was John James Audubon. But when he
changed himself, his whole world changed with him.
9. Get Over Yourself—Everyone Else Has
What did a top psychiatrist suggest for preventing a nervous
breakdown? It's the same thing screenwriter Patrick Sheane
Duncan brought to life when he wrote Mr. Holland's Opus.
Embracing Failure As a Friend
10. Grasp the Positive Benefits of Negative Experiences
Did you know that you can turn adversity into advantage?
That's what an obscure boy did, and in the process he became
second in command of the most powerful nation on earth.
11. Take a Risk—There's No Other Way to Fail Forward
Most people judge whether to take a risk based on their fear
or the probability of their success. But not Millie. She
approached it the right way. Learn her secret of approaching
12. Make Failure Your Best Friend
Why in the world would Beck Weathers call positive an event
that cost him his nose, one arm, and the fingers on his
remaining hand? Because he understood how to make failure
his best friend.
Increasing Your Odds for Success
13. Avoid the Top Ten Reasons People Fail
Where do you start when it comes to increasing your odds for
success? With yourself of course. That's what Dan Reiland did
—and it changed his life.
14. The Little Difference Between Failure and Success Makes a
Big Difference
He's a household name. You've seen his picture on television.
You probably thought he was an actor, but he wasn't. You
know him because he embodied the little difference between
failure and success.
15. It's What You Do After You Get Back Up That Counts
People say that Lee Kuan Yew's name should be up there with
that of Churchill, Roosevelt, or Reagan. What has he done to
deserve such praise? He helped an entire country fail
forward! Learn how he did it.
16. Now You're Ready to Fail Forward
When he read his own story in print, Dave Anderson said it
was a wonder he never gave up. He's an ordinary guy who is
a millionaire today—because he knows how to fail forward.
Here are his story and the steps you need to fail forward and
be successful.
About the Author

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Praise for Failing Forward
"Failure is the hallmark of success. Without failure there would
be no great successes. John Maxwell reveals the secrets for
turning everyday failures into the stepping-stones of
achievement. With this book, you'll never fear failure again!"
David W. Anderson
Founder and Chairman,
Famous Dave's of America, Inc.
"All of us have experienced professional or personal failures in
our lives. This book will encourage you to look at your failures
as stepping-stones rather than stop signs. It will help you face
your failures with faith and steer you away from dwelling on
the facts that caused your failure."
Anne Beiler
Founder, Auntie Anne's
Hand-Rolled Soft Pretzels "John Maxwell has once again
written an incredible book, Failing Forward, to help us
understand ourselves. Unfortunately, he paints all too clear a
picture of how all too often we view failure in the wrong way.
Through this book John encourages us to embrace failure and
see the value of it in our lives instead of avoiding it. Through
incredible stories and wonderful insight, John helps us to see
the importance of failure 2 we proceed on the journey of life.
Thanks for helping me see that no matter how difficult life is,
"The key to overcoming . . . doesn't lie in changing your
circumstances. It's in changing yourself." With all the
struggles I've faced in battling cancer and losing a career as a
major-league baseball pitcher, thanks for helping me realize the
value of Failing Forward."
Dave Dravecky
Author, Comeback
"One of the greatest attributes of Dr. John Maxwell's books is
that they challenge you to grow as a person and reach your
maximum potential. Failing Forward will inspire you to
overcome whatever obstacles you are facing personally and
professionally. After reading this book you will be highly
motivated to encourage others and add value to their lives."
Greg Horn
Owner, Payless Food Center,
Cynthiana, Kentucky
"Once again John Maxwell has hit a home run! Everything
about this book resonates with me because every defining
moment of my life has come as the result of adversity or failure.
God has used what I thought were setbacks to push me
forward in His plan for my life. John Maxwell is absolutely
right: 'Failure is a price we pay for success.'"
David Jeremiah
President, Turning Point
"In his warm and friendly style, John Maxwell teaches us that
our failures and adversities can and should be used to help us
Tail forward.'This should become your handbook on how to
make the most of your mistakes."
Barbara Johnson
Author, He's Gonna Toot,
and I'm Gonna Scoot "Failing Forward offers fifteen practical
steps to help you become the high achiever you were meant to
be. I highly endorse these principles and procedures."
Jack Kinder Jr.
Kinder Brothers International
"John Maxwell is a leader's leader who knows what it takes to
succeed. The fact that he's devoted an entire book to the topic
of failure is a testimony to how vital 'failing forward' is to both
success and leadership."
Peter Lowe
Success Strategist and CEO,
Peter Lowe International "I highly recommend Dr. John C.
Maxwell's new book, Failing Forward, to anyone, regardless
of their occupation. We all experience some form of failure, and
Dr. Maxwell shows us how to deal with failures and turn them
into successes. He also gives some real-life experiences of
successful people to demonstrate how they handled situations
by Tailing forward.' Great reading for anyone."
Dan Reeves
Head Coach, Atlanta Falcons
"I have long been a believer in the value of treasure hunting
trials. In Failing Forward, John Maxwell offers great insight
on how to learn and grow from past failures."
Gary Smalley
Author, Making Love Last Forever
"John Maxwell has written another classic on dealing with
important life issues. Failing Forward is his best book yet,
and that is saying a lot!"
Pat Williams
Co-Founder, Orlando Magic
"Really successful people fail many times. John Maxwell's
Failing Forward makes you realize what a regular part of life
failure is. He convinces you that you can overcome it, and in
the process teaches you how."
Zig Ziglar
Author, Over the Top

by Thomas J. Vilord

Cover Design: David Girgenti

1. Self-development 2. Business 3. Self-help

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Book Details
 264 p
 File Size 
 7,044 KB
 File Type
 PDF format
 2002 by Thomas J. Vilord 

About the Author
Thomas J. Vilord is a licensed Financial Advisor with Morgan Stanley
in the Cherry Hill, New Jersey office. Mr. Vilord has been serving
clients in the New Jersey and Philadelphia area for the past six years.
In addition to motivational speaking, Mr. Vilord is an active speaker on
investments and financial planning. To book a speaking engagement,
please call 1-800-676-2201, or to reach Mr. Vilord directly, call 856-489-5847

If you are like most people, you know it can be hard to stay
motivated and focused 365 days a year whether it be at work,
home, school, etc. Especially on those gloomy Monday mornings.
Some people listen to their favorite song to get them energized,
some read an uplifting story, and others may watch an inspiring
movie.. .the list goes on. I happen to like reading quotes of
successful people. I have quotes placed anywhere that I can see
them; in my bedroom, my car, and in my office. Sometimes I
come into the office and feel a little lethargic and less motivated
than I should be in order to do my job effectively. I need
something extra besides a cup of strong coffee to get me going.
All I do is read a quote from my favorite author or businessman,
and I seem to get myself back on track. I put this collection of
quotes together to help you do the same. We all have the
capabilities to achieve just as much success in life as anyone else.
All we need to do is stay motivated and focused, have specific
goals and act on them. My hope is that this book gives all of you
the extra push you need to get out there and grab life by the horns
and achieve all the success life has to offer.
Thomas J. Vilord

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"A MUST HAVE for all who are looking for the
motivation to improve the quality of their lives"
-Jack Can field
Co-Author Chicken Soup for the Soul® and The Power of Focus
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