Knowshon Moreno Crying- Emotional Video

kowshon moreno crying

Knowshon Moreno Crying before a game.- Valuetainment Weekly Episode #88

You can tell a lot about somebody based on their eyes and emotions. When’s the last time you got to a breaking point and made a decision that you are going to win no matter what?

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What Van Halen Can Teach Every Entrepreneur

Van Halen

What Van Halen Can Teach Every Entrepreneur

Valuetainment Weekly Episode #97

Van Halen is an American rock band from Pasadena, CA who by the early 1980s were one of the most successful rock acts of the time. What can this group comprised of guitarist Eddie Van Halen, vocalist David Lee Roth (succeeded by Sammy Hagar), drummer Alex Van Halen and bassist Michael Anthony teach every entrepreneur? Watch the episode to find out.

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(All Van Halen images in this video are not our property)

The Strangest Secret in the World

definition of success

Earl Nightingale (March 12, 1921 – March 28, 1989)

by: Cecy Vargas

Have you ever wondered why it is that only a few people achieve success in life? I remember hearing a remarkable recording when I first started in the business world, “The Strangest Secret in the World” by Earl Nightingale. It completely changed my life and the way I understood the word “success.”

First let’s look at what success means. According to the dictionary, success is the accomplishment of an aim or purpose. In other words, Earl Nightingale says that success is the progressive realization of a worthy ideal. But if that is the definition of success, I started to ask myself this question: Was my 11th grade teacher successful? I remember her as the best teacher I ever had. She not only taught grammar and language, she really taught me the importance of reading, understanding, and analyzing what I was reading. She opened the world of knowledge to me, but she was not a millionaire. Even so, according to the different people I have met in my life who are leading fulfilling lives, I have come to the understanding that my 11th grade teacher was successful: She became what she wanted to be, and she became the best at it.

I wanted to share today what I believe is my understanding of success. We can become successful today. Success is not a dream or something you can accomplish. Success is knowing that you are working constantly to become what you want to become. Success in the world should not be measured by how much we have or how much money we make. I believe it is something greater than that.

To know today if you are on the road to success I wanted to share what I have learned is a common denominator of the most successful people I have met. All of them had one common factor, and this is the best kept secret in the world. These people “think.” What I mean is that these people dedicate their lives to constantly thinking about where they want to be, who they want to become, etc.

I have seen that the biggest mistake the majority of us make is that we stop thinking about our goals and dreams. We stop controlling our thoughts and let other people, social media, and movies tell us what we should think and make opinions on our behalf.

I still remember when I was around thirteen years old talking to my mother and my father, who both came from families where there was never enough. They became my heroes, some of the people who I look up to and who have accomplished all their dreams. I asked them what their advice would be to me if I wanted to accomplish my goals. My father said, “Never stop dreaming. You have to envision what you want to accomplish, bigger than what you can imagine. I remember all I wanted was a house, a car, a career, and a family, and God gave me way more than that. But I remember envisioning, dreaming, and thinking about it all the time.”

As Earl Nightingale says, “You become what you think about.” Let’s start thinking about ourselves as what we want to become. Let’s start thinking about ourselves as that successful business woman, that person who can help millions, that couple who is an example to society, that single mom who has two boys who become influential in society, the boy who grows up to become a pastor and run the largest church in the country, that friend who is always there for the ones in need. Let’s think about success.

What would you add to the definition of success? Comment Below.

PHP Agency, is a financial services marketing organization in the U.S

For more information please visit PHP’s Website or call 877.788.4366

If I’d Been Born a Multimillionaire…

rodolfo-vargas-php-agency

by: Rodolfo Vargas

Growing up, I always played the game of “What If…” What if I could jump as high as Michael Jordan? What if I could play soccer like Messi? What if I could be like Batman? My imagination would jump from one idea to another in an instant. What if I’d been born a multimillionaire? Have you ever asked that question yourself?

Everybody knows the stories  of the people who win the lottery only to suddenly lose everything. Take the story of Jack Whittaker, a West Virginian who won $315 million. He was arrested many times for driving under the influence. His family broke up. A briefcase with over half a million dollars was taken taken from his car while it was parked in a strip club. His granddaughter died under suspicious circumstances. What good did money do him?

Russell H. Conwell, the famous thinker, preacher, and writer from the late 1800s, put it this way: “The moment a young man or woman gets more money than he or she has grown to by practical experience, that moment he has gotten a curse.” When a person receives money that has not earned and has not worked for, the value is gone. It is a blessing to have the desire to become wealthy, healthy, or to leave a legacy in this world.

Growing up, there were certain economical limitations I used to question. Why are we not millionaires? Why don’t we take the vacations that the other families take? Why can my friend afford to have those tennis shoes that I can’t? Instead of having that wrong thinking, as I grew older I changed my question: What do I need to do in order to achieve that? It’s not an accident that some doors are closed so others can be opened. I didn’t understand it in the beginning, but being born into a family that was not incredibly wealthy was the opportunity of a lifetime. It motivated me to achieve success and bless other people.

The hunger factor is the desire everybody has inside of them to achieve something big. Sometimes that desire is for something that nobody has ever achieved before. Unfortunately many people have lost that hunger factor along the way. This hunger factor makes you frustrated sometimes because you haven’t achieve a goal. It gives you those butterflies that you feel when you wanted to give your best and you end up in second place. It’s the desire you have to give the best to your family or provide that vacation you promised to your kids a long time ago. It drives you toward the destiny you haven’t accomplished yet. It is the human discontent and the desire to get better in life that drives the world.

Whether you were born rich and all your necessities are supplied or not, you have the desire to accomplish big dreams. We have to find the reason why we wake up in the morning to give our best to the world. We owe it to ourselves and we owe it to society. Maybe we wouldn’t have had Steve jobs if he had been born a multimillionaire. Maybe we wouldn’t have Pele or had Martin Luther King.

You might object: “But you don’t know my situation, you don’t know how I grew up in my family.” I understand that. Maybe we still have all the emotional scars we had when we were kids with those people telling us that our dreams were impossible, that our wants were too expensive, that we were too different, etc. These words of discouragement bring us down instead of lift us up.

Many years ago Johny Weissmuller, also known as Tarzan to all the movie viewers from that time, was a great swimmer. Nobody at that time was as fast as he was. All coaches and even doctors  around the world said that we would never see another swimmer break his records. Around the world he held more than fifty of them, and for many years nobody could break them. Nowadays, do you know who is breaking Tarzan’s records? Thirteen year olds are swimming faster than our friend Johny!

If you look inside, we have been programmed for success, not for failure. I like to think that there is force higher than us looking out for us, and I like to believe that we have come here with a purpose for greatness and that every single human being has the capacity to achieve what God has put in their mind. I keep learning everyday, and what I have learned is that “What If” is not as important as “When I Become…”

PHP Agency, is a financial services marketing organization in the U.S

For more information please visit PHP’s Website or call 877.788.4366

Discipline. It’s Worth It

Disciplinar a Sua Pena

(Discipline: It’s Worth It)

by: Cindy Cobos

Every four years the world comes to an almost dead stop. Songs are created, fields and stadiums are built, and a whole country prepares for one of the world’s biggest, most competitive seasons: the World Cup. It’s finally here, front line and center.

So much pride, so much heart, so much excitement, so much anxiety–and, for some, so much pain. We all watch with such intense focus. Will my team or my country score the first goal, gather the most points, or move on to the next round?

I just love how there are people all around the world united and standing behind their team’s beautiful flag. For those ninety minutes, no phone calls please, no texting allowed, and don’t you make the mistake of posting a bad comment about my team because you will instantly get a reply (and I’m sure it won’t be so nice!).

For me, watching and enjoying this World Cup is very different than what it was four or even eight years ago. I have a profound and amazing respect for each and every team and country. Obviously I am rooting for my favorites (Ecuador and USA).

But all the teams have one thing in common that gets them to where they are. This is summed up in one word: discipline. I do know that other things come into play, but discipline is what turns a good player into a pro.

Discipline is the name of the game, whether in sports, in business, in physical fitness, or anything else. What I mean is that talent is just not enough; there are even books written on that. I can’t help but chuckle when I hear people speak about the “off” season or about how they got so lucky. The reality is that to an athlete or an entrepreneur or the men and women on a mission there is no “off” season, and there is no such thing as luck. There is only a “working on improving your craft” season–and it is year-round.

But what does that truly mean? It means every day is a time to work on an area of weakness, build on a strength, get faster for sports if you’re an athlete, become a better closer in sales, improve your marketing skills in business, or self-develop if you’re an entrepreneur.

Now if you’re not an athlete or an entrepreneur, how does this apply at all to you? Well, most people go through life wondering why they don’t have the cars, the homes, the savings, and the luxury of traveling all around the world with those they love the most. They fill their news feeds with slogans like “Happy Hump Day” or the famous “TGIF” (I know we all know what those two mean). They want the six pack without showing up to the gym or even worse without eating right.

I remember hearing once that you work on your summer body during the winter. What I’m trying to say is that getting those big dreams in life comes with a sacrifice. A price needs to be paid upfront and in full. Big dreams mean pushing the envelope, stepping out of your comfort zone, waking up early, staying up late, and sweating it out at the gym. It all requires hard work and discipline.

With a quick-sprint attitude you can only get so fary. You get tired more quickly, if you have a short-term dream vs a long-term dream. You could possibly miss it. So ask yourself this: What kind of mentality do you have? Is it one of long-term thinking? Or short-term pleasures?

We need to learn that when we go through the ups and downs of life and business or the growing pains of sports that it is just part of the process. Don’t get frustrated and give up. Just work on it during the “off” season and become better each day. Work on your biggest muscle–that of DISCIPLINE–because the best things in life don’t come easy, just like winning the World Cup doesn’t come easy.

 So for the next few weeks I will continue to sit on the edge of my seat when my teams of choice are ready to play, but I will also cheer and show love and respect for the opposing team because I have an understanding of what it took to get there.

Now lets enjoy the Zamba, the breathtaking views, and  the incredible goals and moves. This World Cup in Brazil has been amazing. Let’s keep cheering, dancing, singing, screaming, and I’m sure even crying together. After all, it’s not every day that we get to watch the best soccer teams and players from around the world face each other.

Pode a melhor vitória da equipe!!!

“We owe it to ourselves and those we love to be disciplined throughout our life.” –Jim Rohn  

 

Cindy Cobos is a Senior Marketing Director with PHP Agency, People helping People out of Palmdale, CA. For more information please visit www.phpdream.com or call 877.788.4366

Prison or Palace?

Palace interior

by: Gabe Swan

Life as we know it is fraught with danger. It’s in the air we breathe, the food we eat, and every intersection we drive through on the way to the office. It’s really a matter of perception, though. Are we living in a prison of fear or a palace of abundance?

Statistically speaking, the glass is empty, and we’re all hurtling rapidly towards death. I trust I’m not the only one who has decided not to dwell on that fact, though. Instead I choose to believe that I’m nigh on invincible, indestructible, and destined for greatness. That crazy notion is reinforced by more than just feelings, however; it’s something I pay for every month. It’s something we all pay for to a degree, and perception is the key. Is insurance a bill or an investment in a care-free future?

I have worked in insurance and finance for nearly 10 years now. Experience and Google have taught me that there is a 1:1200 chance that I’ll use my home owner’s policy, a 1:25 chance I’ll use my car insurance, 1:7 chance I’ll use disability insurance, 1:5 chance I’ll use my health insurance, 1:3 chance I’ll use my long term care insurance, and a 1:1 chance I’ll kick the bucket at some point in the future. That is a prison of fear, one that surrounds every person in this country, rich or poor, young or old. It is also a palace of abundance, the walls of which are specifically designed to repel threats to my world, to my family, and to the things that are most important to me in this life.

I am an exceptionally blessed young man. At 33 years old I am healthy, fit, and can generally eat whatever I want without worry. I am a new father, a happy husband, and a home owner. I am a Christian, have great friends, and make time to travel the world. Life doesn’t care about any of that, though. Life simply happens. Walk with me as I share a piece of mine.

Two weeks ago, I walked into my bedroom and noticed the carpet was a little damp. I thought little of it, assuming my daughter Arden had spilled her water cup as she waddled through the house. Later that afternoon, however, damp had become decidedly squishy. Having little time to pound holes in walls looking for leaks, I called my plumber. He found not one, but two pinhole leaks in the attic. I’m told that it wasn’t as bad as it could have been, but we’ll be over $15,000 in damages when all is said and done. One of my palace walls, however, will keep me from pulling out a second mortgage to pay for repairs. That wall protects one of my prized possessions: my home.

Three months ago, I stopped at a crosswalk for a pedestrian. The Trailblazer behind me used my car to stop rather than its brakes. While my daughter and I survived, my car didn’t. Yet somehow I never needed to call a cab or take a bus. Again, I had a wall of protection in place to allow me to live free from worry. I rented a car, received a check in the mail to purchase a new one, and continue to have my medical expenses taken care of. All because of a wall that protects a fairly pivotal possession: my car.

Three weeks before the car accident, my daughter Arden had a slight fever. Being self-employed, I was able to stay home with her. Days went by, though, and rather than improving she grew progressively worse. Burning with fever and unable to eat, her doctor admitted her to the hospital. My wife and I spent the next five days watching and praying as our daughter was given breathing treatments every three hours, IV fluids, and continuous testing. The private room, treatments, and meals were exceedingly expensive. But we didn’t have to mortgage the house, drain our retirement accounts, or leave her side for a moment because we have a wall for that as well. That wall protects the intangible: our health.

The last four months of my life have taught me that perception is the key: prison or palace. I may be a statistical anomaly. Not everyone will have so many walls tested so rapidly, but there is one that we know without question will be tested. I thank God for every day I have to live, but I live safe and secure in the knowledge that when He decides to take me, my family will be well-taken care of financially. My palace protects me from fear of the unknown. The only question that remains is this: Does yours?

 

Gabe Swan is a Marketing Director with PHP Agency, People helping People out of Oxnard, CA. For more information please visit www.phpdream.com or call 877.788.4366

If I Knew Then What I Know Now

Dad, i wanna be a professional pilot when i´m older

By: Dina Esquivel

My mistake—and the mistake of many others—was that all of my investments were in real estate. So as things started crashing financially, I went from owning several homes to selling them one by one due to the high monthly payments and lack of sustainable rental income.

This is my story, but I hear the same one from many other people. During the good times, many people were using real estate as their own personal ATM. It was very easy to refinance, get a second mortgage, or obtain a line of credit. The home values continued to increase, so people were not worried about borrowing money from their home because the prices continued to go up.

Why did people borrow money from real estate? Some people used their home to pay for college education for their children, to buy a new car, to take a long vacation, to reinvest in real estate, or to pay other debt.

But of course, all of this came to an end.

The same needs exist today. People still send kids to college, people still go on vacation, some people buy homes or cars, build a new pool, or fix their kitchen, and so many other things. Since the equity in their home is nearly nonexistent and since people aren’t making as much money as they used to due to the state of our economy, how are some people able to do these things?

The new personal ATMs are 401K/Retirement plans. These plans are being used for everything—except for what their purpose is, which is retirement. Many people are borrowing money over a five year period. They also cash out their retirement plan when they lose their job or when go through financial challenges. People are borrowing from their future to cover their present needs.

According to a recent study, as much as $6 billion annually is not being paid back into people’s plans. One out of ten people default on their loans. This in turn is creating a bigger crisis in retirement savings. Most people don’t think about retirement until they’re close to retirement, and they don’t have a plan. There are people who are 65 years old and still don’t have a plan. When using 401K plans or other retirement plans to take care of emergencies, people don’t realize that when they take their money out early they are subject to taxes and penalties. The money that they actually keep gets diminished by about 40% after paying taxes and penalties.

What I know now that I didn’t know then is all about financial planning and diversification. Had I planned properly, I wouldn’t have lost so much money in real estate. I learned my lesson, but there are many people who are still living the same way. They haven’t taken a minute to slow down and think about what they’re doing now and what changes they can make to be better prepared.

Many people listen to their friends and family about how to save and manage their money. The only problem is this: The co-workers, friends, or the family members who they turn to for advice are not financial planners!

I sit down with so many families, and there are so many misconceptions and such a lack of information when people depend on their loved ones to guide them. For example, I sat down with a lady who believed that if she put her money in a savings plan with the credit union she would not be penalized or pay taxes. Of course, this advice came from a very trusted friend, and it was impossible for anyone else to make her believe differently.

It is so important for people to really sit down with a financial planner to plan their future so that they truly have a diversified investment/savings/retirement plan. There should be more access to financial education in schools and colleges, at work, and in churches. People need to sit down with an expert to help them with their financial plan based on their needs and goals. Many people miss out on the basics because of the lack of knowledge. These basics are simple: Spend less, don’t live above your means, have a monthly budget, get family protection/life insurance, store up emergency savings, put a retirement plan in place, and think about long term care.

In speaking with seniors and finding out what their regrets are, many regret not preparing for retirement properly. Many didn’t realize that their savings, if any, did not grow with inflation. They don’t consider that people are living longer, which means they need more money.

The reality is this: We’re all going to die, we all have to pay taxes, and seven out of ten of us will need long term care. Either learn for free from those who have been there, or pay the price when it’s too late to turn back time. Talk to a financial planner today about your financial goals and needs!

Dina Esquivel is a Marketing Director at People Helping People Insurance Agency LLC, in Riverside, CA.  For more information please visit http://www.phpdream.com or call 877.788.4366