The Fizz That Fizzles – Self-Improvement Program Buyers Beware

The promises they make give you goose bumps. “Just follow these 7 simple steps,” one program insists, and “you will reach heights of confidence, satisfaction and success you never imagined possible. Guaranteed!” How can you possibly resist? Why wouldn’t you invest your time, money and hope to get juicy benefits like these?So, invest you do. But if you’re like most people, there’s a good chance you’ll end up with disappointing results. Of course, you probably won’t stay discouraged for long. That’s because there’s always another self-improvement program eagerly waiting for a chance to whisper sweet nothings in your ear. Again you succumb. Again your hopes soar and your spine tingles. And again you hop aboard knowing that THIS is the one.And so it goes on the Self-Improvement Merry-Go-Round!The self-improvement industry both feeds and feeds off our wishful thinking. It sells programs by making promises that essentially ignore an undeniably robust feature of human nature: Poor Follow Through! Even though we’re truly motivated to do what we know we need to do to get the results we want, we humans often do a lousy job of actually doing it. Of course, we usually start off with a bang. But more often than not, we fizzle out long before the job is done. The self-improvement industry knows it. And we know it, too.Take dieting for example. What does someone really mean when they say “that diet program didn’t work for me?” Well, they rarely mean “I followed the diet to a tee, but I didn’t lose any weight.” It’s more likely they mean “I didn’t actually do what the diet required me to do.” In other words, they didn’t really follow the diet – at least not as long and consistently as it would take to get the promised results.Please don’t get the wrong idea. I’m not scolding us for failing to follow through. Far from it. As a psychologist who has devoted much of his career to studying how normal people really treat their own good intentions, I know that failing to do what we know we should do – and doing it consistently for as long as it takes to actually get the results we want – is just part of the normal human landscape. Like it or not, it’s the way we are. It’s the way we’re wired. Sure, there are some people out there who consistently do a fine job of following through. But, frankly, they are as rare as people who are double-jointed, can play the piano with their nose, or can spell “backwards” backwards without any hesitation. The rest of us – the “normals” – at best, have spotty follow through records.So, here’s my point. Poor follow through is a reality, and it’s a reality that causes self-improvement programs to deliver much less improvement than they promise.If you were an architect designing a building, you wouldn’t think of ignoring gravity even though gravity makes your work challenging. Pretending that gravity doesn’t exist wouldn’t make it go away. Would you set foot inside a building that was designed by an architect who pretended that gravity doesn’t exist? Why, then, do we allow self-improvement programs to pretend that poor follow through doesn’t exist when they know – and we know – that it does? Why do we accept promises that are based on a totally make-believe assumption?So, before you hop aboard the next self-improvement program, ask yourself, “Seriously, how well am I likely to follow through?” Then ask yourself, “What benefits can this program realistically promise given my own actual record of follow through?” Remember, programs that only benefit people who follow through perfectly benefit very few real people.Copyright 2009 Steve Levinson

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Allowing Your Bankruptcy Lawyer to Help You

Even merely toying with filing for bankruptcy can leave you with a bad feeling in the pit of your stomach and you will have scary thoughts of losing your home and every dream you ever had of a well-off life will appear to shatter before your eyes. The fact is you are not alone. Millions of others are in the same position and seeing the same nightmares as you.There is actual hope for your position, but this relies on utilizing an experienced bankruptcy lawyer to guide you through the bankruptcy process. A bankruptcy lawyer will determine that your bad financial position doesn’t necessarily mean you have to live out your nightmare scenario. In fact, the best bankruptcy lawyers can and have in the past helped people to get through the grief of bankruptcy every day and are experts in this field.Bankruptcy situations that relate to individual cases are normally better handled by qualified bankruptcy lawyers. This is true even if you have begun the process yourself or you are painted into a corner by your creditors to file for bankruptcy. If you have begun the proceedings yourself then you are in all likelihood hoping that by filing for bankruptcy you will be able to eradicate all of your debts. If instead, your creditors forced you into starting the bankruptcy proceedings then their desire is for the process to recover the money and repay what is owed to them.It does not matter if you were the one to initiate the bankruptcy process or were forced by your creditors; expert bankruptcy lawyers will help you with the process and make it as bearable as possible. Once you have hired a lawyer they will assess your financial position and will only suggest bankruptcy if that is the only hope of a good solution to the position you are in.The bankruptcy lawyer you work with will also be in a position to give you advice on whether you should file for Chapter 13 bankruptcy or Chapter 7. Your lawyer should be an expert in both chapters and therefore be able to suggest the most advantageous plan of action. If your situation is so bad that you are at risk of losing your home or vehicle then your best option is to hire a bankruptcy lawyer who will hopefully be able to stop such extreme circumstances from happening.If you really have no other alternative but to face bankruptcy then you must start searching for a bankruptcy lawyer now. Even if you are not sure what your choices are, a lawyer will be able to give you a decisive answer. If your financial situation appears severe to the extent of possible foreclosure then this really is the best action you can take. Talking to a bankruptcy lawyer as soon as possible could really assist to save your finances. The entire process of bankruptcy is very complex and far too complex for the average person to understand. Therefore, it makes complete sense to refer the professionals and allow them find the best solution for your particular situation.