SIR YES SIR Frame of Mind

“A YES SIR” FRAME OF MIND

Truly explaining what a “Yes Sir” frame of mind entails is a complex matter, but simply put, having such a perspective requires you to be a simply put human, who gets done what is asked of them, and does not question authority. If you possess a “Yes Sir” frame of mind, it makes you agreeable and approachable with your co-workers, as well as your superiors.

For people above in authority to you, you should always do what they require of you, just because they are your superiors, and they pay you to work for them. You are required to do what they ask, even though you might subconsciously not find it agreeable, because you are paid by them, and they expect work equivalent to their pay, from you. Having a “Yes Sir” frame of mind will make your superiors want to work with you even more, and this will turn into a bond of trust that will become unbreakable, and in the long run, your superiors will begin allotting you with more confidential and complex tasks, as you have proved to be a person who can rise up to the occasion and handle tasks no matter how huge they are.

With your co-workers or the people below authority to you however, it is a different story.  With them, it is not necessary to have a “yes sir” frame of mind, but it is more than agreeable to be so. The people who work under you look for a superior who listens to them, takes into account their points of view, does not discriminate against them just because of their position, and treats them like a human being with valid points to consider, and not merely a tool for suggestion.

The main point to consider is why you should acquire a “Yes Sir” frame of mind. Simply put, authority is obeyed because people want a reward at the end of it all. Their incentive is acknowledgement or appreciation of any kind, be in verbal, or through monetary and other such benefits. Human beings are motivated by incentives and benefits, and likewise, human behavior is such that people reward those who are obedient to what they say, and follow their orders without talking back, or questioning their orders. It is a biological need to feel superior, to have people obey what you say. Having a junior at work who does exactly that is a subconscious upliftment, which will translate to a lot a benefits and promotions for you.

However, it also isn’t advisable to be a complete “Yes Man”, acknowledging and agreeing with everything your superior says. Most people can automatically see through this, and can understand if you are being genuine to them or not. If people realize you are being fake, you will actually be hated more than appreciated for your work, and over time, you will not be taken seriously for who you are. In order to counteract this, and receive the praise and appraisal that you are due, you should understand the line between being a “Yes Man” and a “Yes Sir”.

Being a “Yes Man” is something that is not well appreciated within social circles. You become a person who starts agreeing the your superiors every single command, no matter what they are, just so that you can get in their good books, and you hope to get appraisals and promotions through that. However, you put on a facade, and everyone can see right through your farce. Your superiors use you as a tactical weapon for when they need to get their way with someone else. 

However, when the time comes, you are overlooked for promotions and appraisals, and the job is always given to someone who may be less deserving according to you, but according to the superior, they have a personality and know when to have a differing opinion. That sort of person has a “Yes Sir” frame of mind. These people are inherently more valued and respected by superiors, because of their tactful ways of handling situations. Having a “Yes Sir” frame of mind means that you have the courage to stand up to your bosses, have an intellectual exchange of thoughts and ideas with your superior, but when the time comes, you can stand up with them, and defend them. With people in a lower post, you are appreciated because you respect them as people, but at the same time, you know when to draw the line and put your foot down, and show them who’s boss.

Next Recession in 2020? What Will Be the Impact?

Economists and analysts know that the country has experienced economic growth for almost a decade. They also know that a recession can’t be too far off. A recent report by Zillow Research shed light on a survey conducted by Pulsenomics in which they asked economists, investment strategists and market analysts how they felt about the current housing market. That report revealed the possible timing of the next recession:

“Experts largely expect the next recession to begin in 2020.”

That timing concurs with a recent survey of economists by the Wall Street Journal:

“The economic expansion that began in mid-2009 and already ranks as the second-longest in American history most likely will end in 2020 as the Federal Reserve raises interest rates to cool off an overheating economy, according to forecasters surveyed.”

Here is a graph comparing the opinions of those surveyed by both the Wall Street Journal and Pulsenomics:

Recession DOES NOT Equal Housing Crisis

According to the Merriam-Webster Dictionary, a recession is defined as follows:

“A period of temporary economic decline during which trade and industrial activity are reduced, generally identified by a fall in GDP in two successive quarters.”

A recession means the economy has slowed down markedly. It does not mean we are experiencing another housing crisis. Obviously, the housing crash of 2008 caused the last recession. However, during the previous five recessions home values appreciated.

According to the experts surveyed by Pulsenomics, the top three probable triggers for the next recession are:

• Monetary policy
• Trade policy
• A stock market correction

A housing market correction was ranked ninth in probability. Those same experts also projected that home values would continue to appreciate in 2019, 2020, 2021 and 2022.  

Others agree that housing will not be impacted like it was a decade ago.

Mark Fleming, First American’s Chief Economist, explained:

“If a recession is to occur, it is unlikely to be caused by housing-related activity, and therefore the housing sector should be one of the leading sources to come out of the recession.”

And U.S. News and World Report agreed:

“Fortunately – and hopefully – the history of recessions and current issues that could harm the economy don’t lead many to believe the housing market crash will repeat itself in an upcoming decline.”

Bottom Line

A recession is probably less than two years away. A housing crisis is not.

The Khamis Team Newsletter week of June 4th 2018

Mortgage Market Commentary

Angst over the political situation in Italy threatened the stability of the Euro, and the announcement of more tariffs, upping the risk of a trade war, left markets wary. For most of last week, money flowed into the relative security of US Treasuries and bonds, pushing mortgage rates downward. However, Friday’s strong employment report reminded markets that the US economy continues to be on solid footing. Mortgage rates returned to Monday’s levels. During the week, GDP was adjusted downward, but only by a tenth, the ISM Manufacturing Index and Consumer Confidence posted respectable gains. Inflation data also seems to be showing fewer signs of easing. Overall, the week’s economic data solidified the near 100% probability that the Fed will raise rates in a few weeks.
Economic data due this week is not as significant, but if the week starts with the ISM Services Index posting a gain rather than the expected loss, we are likely to see rates trending upward for the week. Of course, international pressures and political drama could change the course of rates at any time. 

This Week's Top Economic Reports and Events

Report/Event	Date	Prior	Est	Impact
ISM Services Index	6/5	56.8	58.2	Moderate
After its sister index posted a nice gain, an unexpected increase in this indicator would rev up the level of upward pressure on mortgage rates.
JOLTS – Job Openings	6/5	6.55M	6.54M	Moderate
Employers are beginning to report more and more challenges in finding workers. An increase here could pressure rates up slightly.
International Trade Balance	6/6	-49.0B	-48.8B	Limited
If the gap widens rather than shrinks as expected, we could see some limited upward pressure on mortgage rates.
Weekly Jobless Claims	6/7	221K	225K	Moderate
IF the JOLTS report shows an increase and claims come in better than expected, it will be tough for rates not to be moving upward.
Consumer Credit	6/7	$11.6B	$13.9B	Limited
With recent positive news regarding Consumers, a decrease here would be puzzling but could help slow any increases in mortgage rates.

Quick Article

Headlines Say Housing Prices Up, But Not All
With the drumbeat of stories about rising housing prices, one might be tempted to think that housing prices are rising everywhere. However, as the saying goes, all real estate is local. According to NAR, 27 of the nation’s 350 largest metro areas are seeing price declines. Year-over-year prices have fallen 17.7% in Santa Maria, CA, while Pottsville PA saw an 8.1% drop. Napa, CA fell 6.7%. while Austin, TX and Beckley WA lost 4.3% and 4.2%, respectively.

Weekly Trivia Question and Answer

Jim Henson created a now-famous cast of characters known as The Muppets. What two words did he combine to form the word Muppets?
Answer
The words "marionette" and "puppet" to form the word Muppets?
Learn More
https://en.wikipedia.org/wiki/The_Muppets
Bonehead of the Week 
A “do you see the irony in this?” bonehead award goes to Jonathan Rivera in Hartford, CT. It was time for Rivera to appear in court on a charge of first-degree larceny and tampering with a motor vehicle. The charges stemmed from a recent arrest for stealing a car. Rivera could have decided not to appear, but he headed to the courthouse. Parking agents discovered a stolen car in the courthouse parking lot while scanning license plates, and waited and arrested Rivera as he tried to leave with the stolen car!

Worth Remembering Quotation 

We are all faced with a series of great opportunities brilliantly disguised as unsolvable problems.
John W. Gardner

The Khamis Team Market Newsletter

Mortgage Market Commentary

While headlines proclaimed rising mortgage rates, last week ended with rates trending downward with money moving into US bond markets. A round of political drama in Italy, uncertainty about the US-North Korean summit, and a Fed that seems comfortable with its current path all contributed to easing in mortgage rates. The latest minutes from the Fed revealed some uncertainty as to whether inflation will remain close to 2%, and even if it does go over, the Fed appears to be willing to let it ride for a period of time. Housing news was unfortunately weak, with tight inventories, increasing prices, and upward trending mortgage rates all contributing to fewer new or existing home sales.

If the various international challenges aren’t enough drama for rates, this week’s slate of massively critical economic reports will be. We’ll get insights into consumer moods, inflation, jobs, and last quarter’s GDP. With the economy currently appearing to be running near its “potential,” a week of weak economic reports, coupled with more international uncertainty, could bring rates back down.

This Week's Top Economic Reports and Events

Report/Event	Date	Prior	Est	Impact
Consumer Confidence	5/29	128.7	127.5	Significant
Unless we see Confidence vary more than a 0.5 from expectations, we may see markets looking to other news for early week guidance.
GDP - 2nd Estimate for Q1	5/30	2.3%	2.3%	Significant
With the 2nd quarter not accelerating as quickly as previous years, an increase of over 2.4% could help boost mortgage rates upward.
PCE Prices (core)	5/31	0.2%	0.1%	Significant
If core PCE prices pull back to 0.1%, validating the Fed’s concerns about inflation’s durability, we could see rates trending downward.
Nonfarm Payrolls	6/1	164K	190K	Significant
Job creation continues to be good but has softened a bit. If we see an unexpected increase of more than 210K jobs, rates are likely to rise.
ISM Manufacturing Index	6/1	57.3	58.0	Significant
If all of the week’s news shows the economy running near its potential, an increase in this index will only create a little upward pressure on rates.

Quick Article

Best Markets for Flippers

With home flipping coming back into vogue and home-flipping activity hitting an 11-year high, an analysis of data reveals thatNashville, TN is the hottest market for flippers. Music City, USA saw 4.1% of total home sales were homes that were flipped for an average profit of $87,200! Fresno, CA, Palm Bay, FL, North Port, FL, and Baton Rouge, LA rounded out the top five. However, number seven, Los Angeles shows a top average profit of $169,400 per flip!

Weekly Trivia Question and Answer

What was the name of the investment con that promises unreal returns, but only pays off early investors with money from later investors?

AnswerPonzi scheme

Learn Morehttps://en.wikipedia.org/wiki/Ponzi_scheme

Bonehead of the Week 

A “creating great odds for a conviction” bonehead award goes to Wendy Klinker in Fort Myers, FL. We all know that your odds of winning games of chance favor the house. However, Klinker, a convenience store clerk, found she could up her odds of winning scratch lottery tickets to 100% by pre-scratching the cards. She kept the winners and sold the losers. A customer who grew tired of losing closely examined a new card. Police then found a video of Klinker’s scam and 83 losing tickets ready for sale.

Worth Remembering Quotation 

There can be no happiness if the things we believe in are different from the things we do.

Freya Madeline Stark

Do I need to still put 20 percent down to purchase a home

Someone once asked me: Is a 20% down payment standard?

A 20% down payment is anything but standard. Making a smaller down payment does involve some form of mortgage insurance (MI). This is a fee paid to limit the lender's risk when there is a lower down payment.

Conventional loans are available with as little as 3% down. The cost of the mortgage insurance depends on the borrower's credit score. 

Lenders will allow borrowers to drop the monthly MI once the loan-to-value ratio reaches 80%. They will typically require an appraisal (about $500) to show the value, and the loan should have been in good standing for at least the previous 12 months. Different lenders have different procedures, though, so it is worth making a call to them to get their specifics.

Borrowers with lower credit scores may be better off with an FHA loan. The mortgage insurance for a $300,000 FHA loan will cost $216/mo, even with a credit score as low as 580. The disadvantage is that the borrower cannot cancel the MI for an FHA loan. The only way to get out of it is by refinancing into a conventional loan.

If real estate values are going up, a prospective home buyer should buy as soon as possible (even with MI) rather than waiting to save up a larger down payment. If values are going up, say, 4% per year, today's $300,000 home will cost $312,000 a year from today, $325,000 two years from today. There is also the uncertainty about whether mortgage rates will be as low in the future as they are now. Higher rates would obviously increase the cost of owning a home.



Hope this helps!

Boost credit score in two weeks

Question: How can I boost credit score in two weeks?

Two week is tough, but there are two things you can do to raise your score very quickly.

1. If you have any credit cards with balances more than 30% of the credit limit, pay them down. 35% of your FICO score is based on credit utilization. The creditors may not report immediately to the bureaus, so you may have speed things up a little to meet your two-week deadline. Any mortgage loan officer should be able to perform a “rapid rescore” or “credit bureau update” for you. You would provide documentation to show the new balances (screen shots will generally work), and they’ll submit that information directly tot the credit bureaus. There is a small charge for this; expect to pay in the neighborhood of $25 per bureau, per account, plus the cost of a new credit report.

2. If you have any collections or judgments on your credit report, get them cleared up and documented. Then you can do the aforementioned rapid rescore. A word of caution: if the collection accounts or judgments are more than two years old, there is the possibility that settling them could lower your score by changing its status from “collection account” to “paid collection.” Both are negatives, but the older a negative is, the less effect on your score. If a collection account is, say, four years old, it has very little effect on your score. A recent “paid collection” could cost your 20 points or more.



There are other things you can do, such as disputing those items that may be incorrectly reporting. If the creditor doesn’t confirm the item within 30 days, it has to come off your report. This is how credit repair “clinics” operate. Doing this can improve your score—sometimes a lot—but it typically takes more than two weeks. One exception would be a department store who reported a 30-day late payment but was willing to change that because you’re a good customer, and it was just an oversight on your part. With a letter from the store’s credit department that your account has always been paid as agreed, you’ll be able to do the rapid rescore. Going through that process typically takes a week or so.

Hope this helps. Good luck!

Someone once asked: Are VA loans a good option? Are VA loans safe?

If you mean "Are VA loans effective in helping veterans buy homes?" To that, the answer is an unequivocal, full-throated YES. If you are asking whether a loan without a requirement for a down payment and with no mortgage insurance is an acceptable risk for a lender, the answer is also YES.

For any readers who may not be aware, the VA home loan is a mortgage guaranteed by the Department of Veterans Affairs. Qualifying veterans (that would be primarily anyone who served under honorable conditions in the U.S. military with at least 181 days of active duty or 91 days during wartime) can purchase a home with a loan for the full amount of the property’s appraised value, up to the county maximum loan amount. That will be at least $424,100 nationwide, but much higher in more expensive housing markets. A quick call to a reputable, VA approved lender can help you with questions in your area.

Using the VA loan guarantee, a veteran applies for a loan through any lender offering VA loans (most do). Lenders use slightly different criteria to qualify veteran borrowers, so they may be able to be eligible for a higher loan amount than a conventional borrower. 
The reason lenders are willing to make loans to borrowers who have no “skin in the game” (i.e. no down payment) is that VA guarantees these loans. This means that if the borrower went into default and the lender had to foreclose; the lender would be protected from loss to a high degree.

Oh, and there’s the fact that the veteran DID put considerable “skin in the game” when they signed up to serve in the first place. And we thank them for that.

So, to answer your question, "Are VA mortgages effective, "I’d have to say, yeah, I think so".
As always, reach out to a trustworthy lender for loan guidelines or to apply for a VA loan.

Ricky Khamis, US ARMY 82ND AIRBORNE VETERAN 1991-1995

Can I raise my credit from 608 to 690 in five months

Question: Can I raise my credit from 608 to 690 in five months?

The general answer is yes, but it depends…

To do this, it would be helpful for you to have a general idea of how credit scores are calculated. The different aspects of your credit history and performance are weighted to different extents—in other words, different parts of your history have different effects on your score.

First, of course, is your payment record. This makes up about 35% of your score. You generally can’t change a derogatory entry, like a late payment, if it has been correctly reported—but if a department store reported a late payment and there’s a good explanation for it, they will often remove that black mark on request. I’ve had occasions where a client had accepted a department store credit card, used it once, but didn’t get the bill (or overlooked it). Boom: late payment. The client calls the department store, mentions what a good customer they are, and the store reports “paid as agreed” to the credit bureaus. All you have to do is ask—and there is no downside to doing this.

If you have payments that are currently delinquent, bringing them current will raise your score immediately.

If you have any collection accounts on your report, paying them off may or may not be a good idea. The older an entry is, the less effect it has on your score. If that collection account is, say, four years old, changing its status from an old collection to a current paid collection makes it more recent—and your score could go down if you’re not careful. It’s best to take care of other, lower risk items before tackling older collection accounts.

Revolving credit (credit cards) can have a significant effect on your score, even when those accounts have always been current. Once your outstanding balance gets over 30% of the credit line, it’ll start pulling your score down. Paying revolving accounts below 30% will give your score an immediate boost. Revolving balances are weighted 30% of your score—almost as much as derogatory entries.

If there are incorrectly reported items on your credit report, you can dispute them. It’s easy to do online, by going to each of the three bureaus (Equifax, Experian, and TransUnion). If a creditor that does not respond to the bureaus’ request for confirmation within 30 days, the bureau will remove that derogatory entry.

There is a normal reporting cycle for creditors, so the effect of paying down credit cards may take a couple of months to show up. If you are working with a loan officer, though, he or she can do a “rapid rescore” by providing documentation confirming lower balances, paid collections, etc. to the bureaus. The new scores are typically available within a week or so.

Call a reputable lender with any specific questions about your scores or how to meet your real estate goals.

Good luck!

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The 7 Unique Attributes Of Every Successful Person

The 7 Unique Attributes Of Every Successful Person

Success is not measured with achievements. Instead, it is measured in one’s beliefs towards his actions.

The idea is to quit judging yourself according to other people’s definitions of success - and decide what is most important in your life. As soon as you have that, you will know what a successful career, relationship or health and fitness looks like. Then, you will be able to measure your progress and see why it is meaningful to you.

One truth when it comes to success is that developing a successful mindset is not easy. However, it is absolutely worth it. In order to help you see what does it take to become successful, we are listing the main qualities of successful people below.

1.Determination

Successful people have the right determination to work harder than most. They are ready to make most of their challenges and get things done. They are ready to chew the pain and the sacrifice involved in the climb to success and to get over the sleepless nights or bloody knuckles to succeed. The enormous amount of research at the American Psychological Association about student determination best shows these results.

2.Discipline

It’s true that successful people needed discipline to achieve the good life they are having. The truth is, we are always trying to improve ourselves by learning how to do things. Our lifetime bases on gathering knowledge (from classrooms to experiences). However, at the end of the day, all that knowledge doesn’t translate to success for everyone. The reason why is simple - you have to be disciplined in order to conquer all the nagging voices in your mind, master the art of setting goals and fuel your ambition further.

3.Motivation

If you are tired and unmotivated, does it really matter what strengths you have or how successful you are?

According to many, it doesn’t. The energy levels stem from one’s motivation to achieve progress in their efforts. Every successful person focuses on ‘small wins’ and therefore motivates himself further to achieve the big picture. Even a Harvard-backed research has proven that the feeling of progress is the single most motivating variable.

4.Loyalty

A successful person is always loyal to himself and his actions. After all, it is up to you to shoulder your responsibilities and be accountable. Even if there are hard decisions involved, you should stand by them and think for yourself. Only that way, you will know and be loyal to yourself.

5.Patience and persistence

The only reason why these two go as one point is the fact that as a combination, they can go a long way in helping a person achieve success in business. For example, when a new hire arrives to a new job, it is obvious that they will be a learning curve before they become comfortable in their new roles. However, if one has unrealistic expectations about how fast things should progress, there will be no room for actual progress or eventually, success.

6.(Personal) Connection

According to many successful people, connection is important - but not in the way of knowing people and climbing up the ladder with their help. Instead…

One needs to relate to others which in turns will make everything reach further and deepen in importance. Personal connection is also important, especially when it comes to making big decisions and taking major steps towards the future.

7.Self-confidence

Last but not the least is self confidence. Successful people trust themselves - and it is as simple as that. If you lack that trust in yourself and you are shaking before each big decision, you are not meant to be successful and have to overcome that. However, if you work by yourself to communicate big ideas (while backing them) and pay attention to the people around you, you are going to succeed.

A Final Word

In the end, successful people are a scary bunch. They inspire but also intimidate. Just like Jobs’ creative mentality or Gates’ iron will, you need to be guided to success by harnessing all of these crucial attributes.

Success is not born - it is made. On your mission, you have to be humble and great. Courageous as well as determined. Faithful - but also fearless. Along with the above mentioned qualities, this is the best recipe to success.

Good luck!

What Does No Down Time Really Mean

Many tend to think that success comes overnight, but let’s face it, without a lot of hard work, attention and focus, we simply cannot manage to achieve the great results and success. Most of the time, we need to give up something in our life, but these thing tend to differ from person to person.

Still, the general rule does state that success does require you to renounce something, no matter how hard it would be. Yet, are there things that we do have to give up in order to achieve the ultimate success?

One of the things you need to give up most of the time in order to be successful is the time you usually spend with friends or on your hobbies. 

Time is an important factor when it comes to achieving success, and because of that you need to spend less time for your personal enjoyment. Yes, it’s a hard thing to do, but if you do want success, this is something that has to be done.

Another thing you have to give up in order to achieve the success you need is to give up excuses. Most of the time people use excuses in order to just avoid things or maybe because they just don’t want to face the truth. If you want to be successful, admit your mistakes and lose the excuses, it is always something much better to do, and it also provides you with a strength of character that only the successful people have.

Don’t wait! This is another trait of successful people. Instead of waiting tirelessly for answers and results, what you do need here is to focus on acting right on the spot. Not only it manages to bring better results, but it’s exactly what you need in order to stand out in front of others. In time, this can lead to the ultimate success you always dreamed of having.

But this is not all. Sometimes, for success, you will need to give up your relationship. This is why many people aren’t successful, because when this comes in front, they tend to remain with their loved one. As we talked here, it’s crucial to give up something in your life, you simply cannot have everything if you want the ultimate success, and no matter how hard this might look, it is the ultimate truth you have to comply with at all times.

Another thing you need to give up are the worries about the things in your past. When you want success, you need to start with a clean slate, and this will truly help you become a better person, not to mention the astounding results that can appear from the whole thing as well. It’s all about being motivated, about pushing the boundaries continually, as you are bound to get the results you want this way, you can rest assured of that. Just remember that when something needs to be given up, you have to do it, otherwise the success will slide away!

If you are the type that wakes up at 3am with something on your mind that you did or need to do then you are part of this NDT movement.  You never stop thinking about what the "inches" mean to you in order to achieve ultimate results.  Results come when you choose to do something different and focus on the "inches". Inches could be; blogging, cold calling, past clients, current clients, asking for referrals I could spend all day on this list.... 

Point is, instead of focusing on the FEAR of the activity (False Expectation Appearing Real could be that cold call who yells at you WHO CARES). YOU Focus on the result, on the outcome, on the SUCCESS... Means when you are on vacation YOU are one of the ones we see making a deal from your lounge chair while drinking a Mai Tai, or the guy stepping out of the movie to answer the phone, yes YOU ARE THAT GUY... 

NDT SUCCESS 

Motivate Yourself to Success

Motivate Yourself to Success

One of the most important things that lead you to success is the way you motivate yourself towards achieving that goal, because let’s face it, it’s very hard for anyone to  achieve the goals that are imposed with so many distractions along the way. Yes, life is filled with numerous distractions, many of which are specifically created to put you off-balance as you try to pave your way to success. Of course, at first it might a little hard to determine, but as time passes and you get closer to your goal, motivation just becomes the only way to reach your goal.

The main issue is that many people fail to motivate themselves properly, and this is what gets them off-balance. The way they achieve motivation requires them to have a clear end goal, as this is crucial. Once you have an end goal, you will push you towards the limit in order to obtain the best results. Even if this means that you have to do a massive amount of work, stay overtime or just train for hours, these seem much simpler and do make sense when you have a certain goal in your mind and life.

Motivation also ties to physical care as well. Many times, we think that we do have the power to complete everything we want, but sometimes our body might not be able to deal with so much work and pressure. The way we do this is lots of sleep and a good diet that will provide us with an energy boost. All of these need to combine seamlessly in order to lead towards a happy life, because a healthy person is a motivated one, as conditions and injuries or diseases can obstruct us from the matter at hand.

It’s a good idea to keep the motivational factor fun. Taking the job too seriously might be tiresome and many times you just fail to give your 100% on that, which in many situations is disappointing. With fun, you just solve these issues in a more efficient manner.

It might also be a good idea to reward yourself as time passes and you get closer to your goals, because nothing can be better than actually seeing that your sacrifices are well worth it and you do benefit from them.

Last, but not least, the motivation also ties in to the self confidence. In order to be motivated, you need to believe 100% in your capabilities, because this is the only good way to achieve success. Sure, it might take a while, but in the end you can rest assured that having a lot of confidence in your power and what you do will be well worth it!

This is the main reason why you need to focus in order to be motivated on your goals, as these will allow you to get the success you always wanted!

Ricky Khamis, Sr. Instructor