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	<title>Personal Development for the Book Smart</title>
	
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		<title>The Top 3 Things to Create Your Ideal Body</title>
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		<pubDate>Wed, 25 Jan 2012 06:08:59 +0000</pubDate>
		<dc:creator>Yee Shun-Jian</dc:creator>
				<category><![CDATA[Confidence]]></category>
		<category><![CDATA[Dieting and Weight Loss]]></category>
		<category><![CDATA[Happiness]]></category>
		<category><![CDATA[Healing]]></category>
		<category><![CDATA[Health]]></category>
		<category><![CDATA[Mindset]]></category>
		<category><![CDATA[Motivation]]></category>
		<category><![CDATA[Personal Development]]></category>
		<category><![CDATA[Christy Whiteman]]></category>
		<category><![CDATA[Christy Whitman]]></category>
		<category><![CDATA[Create Your Ideal Body]]></category>
		<category><![CDATA[Ideal Body System]]></category>

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Congratulations on choosing to move down the path to a healthier, sexier body! You may be thinking, “But I haven&#8217;t even started yet!” And yet you have&#8230; Because guess what? You already have the first (and most important) of the top 3 resources you need to create your ideal body. For that matter, you already [...]]]></description>
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<p><a href="http://RichGrad.com/idealbody" target="_blank"><img src="https://fbcdn-sphotos-a.akamaihd.net/hphotos-ak-snc7/395587_287661844613634_238540989525720_752361_576789392_n.jpg" alt="Create Your Ideal Body" width="500" height="550" /></a></p>
<p>Congratulations on choosing to move down the path to a healthier, sexier body!</p>
<p>You may be thinking, “But I haven&#8217;t even started yet!”</p>
<p>And yet you have&#8230;</p>
<p>Because guess what?</p>
<p>You <em>already</em> have the first (and most important) of the top 3 resources you need to <strong><a href="http://RichGrad.com/idealbody" target="_blank">create your ideal body</a></strong>.</p>
<p>For that matter, <strong>you already have your ideal body</strong>! You really do. And once you align all the parts of your life, the reality of your beautiful, healthy body can be revealed. When you get your body, soul and spirit into healthy alignment, the rest falls cleanly away.<strong></strong></p>
<p><strong>1. The Power of Your Mind</strong></p>
<p>Your mind – the way you think about things – creates the foundation for all of the life change you have ever been through or will ever face. You may not have control over circumstances (for example, you were born to particular parents, live in a particular place, and so on) but you can always have control over your mind.</p>
<p>Don&#8217;t ever give that up! Don&#8217;t ever relinquish your most powerful life tool!</p>
<p>Instead, make a conscious decision to use it – and use it well – to create the body and life you were born to have.</p>
<p>Take a moment to consider the silent messages you&#8217;ve been sending yourself about your body.</p>
<p>o What do you believe about yourself?</p>
<p>o What are the thoughts that you have when thinking about losing weight?</p>
<p>o Where is your energy focused?</p>
<p>When your thinking becomes positively aligned with what you desire, your actions will come from a place of high inspiration, and your results will naturally flow into being.</p>
<p><strong>By working with your feelings, thoughts, and intentions, you can become a master creator, regardless of your past, regardless of your age, regardless of the special challenges you face.</strong></p>
<p>Once you begin to link your thoughts intentionally to the unlimited wellbeing of your ideal body, you are going to begin to create it.</p>
<p><strong>2. A Plan to Fuel Your Body</strong></p>
<p>It doesn&#8217;t matter whether you&#8217;ve just had a baby, or whether you&#8217;ve carried extra weight your entire life. The only thing that matters is what you plan to do from this moment forward. Set your thoughts on your ideal body, and sit down with a pencil and paper to plan out your new, healthier diet. It doesn&#8217;t have to be complicated! In fact, you can get a long way down the road with these 3 simple starting points&#8230;</p>
<p><em>No more white stuff!</em></p>
<p>This is probably the easiest, most comprehensive way to get started fueling your body in a healthy way. White bread, white pasta, white sugar, pastries, white flour. All the good nutritive value is gone, and these foods are left with little to offer your ideal body except fast-acting sugars.</p>
<p><strong>Eat more meals</strong></p>
<p>That sounds pretty exciting, doesn&#8217;t it? You really can and should eat 5 to 6 small meals throughout the day to regulate the chemicals that run your body. Don&#8217;t skip breakfast, and don&#8217;t load yourself up with a massive evening meal. The key to creating your ideal body is to add fuel in the smartest, most useful way possible.</p>
<p><strong>One third protein, one third veggie, one third carbs</strong></p>
<p>Planning your meals and snacks in this simple ratio will completely shift your body fuel for the better. Stop counting calories, stop worrying about finding fat-free foods, just start here and you&#8217;ll see results even before you add the third tool (see below!) to the mix.</p>
<p><strong>3. Movement!</strong></p>
<p>You don&#8217;t have to become a gym rat in order to add movement and exercise to the plan to create your ideal body. But you may find that this part of getting healthy is much easier than you anticipated!</p>
<p>Want to know the reason for that?</p>
<p><em>It&#8217;s because our bodies were just made to move.</em></p>
<p>When&#8217;s the last time you saw a little child sit perfectly still? : ) Children are forever dancing, kung fu-ing, and generally moving quickly and continuously until they sink into bed (over protests!) at night.</p>
<p><strong>This is our body&#8217;s natural state of wellbeing.</strong></p>
<p>Movement begins simply, and doesn&#8217;t require any expensive equipment. How many children do you see who need a giant piece of complex weightlifting equipment in their garage?</p>
<p>Part of moving toward your healthier, sexier you is getting your mindset right, as you saw in the first point above. When negative beliefs and fears about moving around – even taking a walk around the block – weigh us down, they literally weigh us down. You want to mentally release that weight, so that the pounds will melt away!</p>
<p>When you try to lose weight or heal your body from the outside-in (taking medicine, getting surgery, etc.), it just doesn&#8217;t stick. Creating your ideal body is about shifting to an inside-out approach.</p>
<p><em>This is about getting into alignment with the truth – the way you were born and the way you were intended to be, and it&#8217;s an integral part of every segment of your life.</em></p>
<p><strong>Conclusion</strong></p>
<p>As you can see, <a href="http://RichGrad.com/idealbody" target="_blank">creating your ideal body</a> isn’t terribly complicated or hard. In fact, the hardest part is simply ‘shifting’ our mindset (retraining our brains).</p>
<p>As I’m sure you know by now, most diets focus on what you should and shouldn’t do. Eat this, don’t eat that. Workout like this, don’t workout like that.</p>
<p>And you know what, that’s all fine and dandy (if you can actually do it consistently).</p>
<p>But you know as well as I do that knowing what to do and actually doing it, are two totally different things.</p>
<p>This is why the <strong><a href="http://RichGrad.com/idealbody" target="_blank">Ideal Body System</a></strong> doesn’t focus on restricting yourself and forcing yourself to do things that you don’t want to do. Because forcing yourself to do things, will never work in the long wrong. Ever!</p>
<p>The Ideal Body System instead focuses on your thoughts, your mind, and how you relate to working out, eating healthy foods, and being healthy.</p>
<p>The Ideal Body System is all about retraining your brain so that you “WANT” to move your body more, so that you “WANT” to eat healthier, so that you “WANT” to be healthy.</p>
<p>You see, once you retrain your brain to “WANT” all of these things, you know longer struggle to do them.</p>
<p>That’s the magic bullet.</p>
<p>Creating your ideal body shouldn’t be about struggling, fighting, trying, and forcing yourself to do things you don’t want to do. It should be fun, easy, and natural.</p>
<p>And it can be. I promise.</p>
<p><a href="http://RichGrad.com/idealbody" target="_blank">Go here and grab your copy of the Ideal Body System today</a>, and let me prove to you that this will be the last weight release program you’ll ever need.</p>
<p>Your ideal body coach,</p>
<p>Christy Whitman<br />
Creator, <strong><a href="http://RichGrad.com/idealbody" target="_blank">Ideal Body System</a></strong></p>
<p><strong>Learn more about my Ideal Body System at:</strong><br />
<a href="http://RichGrad.com/idealbody" target="_blank">http://RichGrad.com/idealbody</a></p>
<p><strong>About the Author:</strong></p>
<p><a href="http://RichGrad.com/idealbody" target="_blank">Christy Whitman</a> is an in-demand coach, transformational leader and has helped hundreds of men and women <a href="http://RichGrad.com/idealbody" target="_blank">create their ideal bodies</a>.</p>
<p>Christy had issues with her self image and body image all her life. She went from being bulimic as a young adult, to trying almost every fad diet out there, spending hundreds of dollars on programs that always resulted in her gaining the weight back, until she found the information that led her to create and maintain her ideal body for years.</p>
<p>She was a size four until the birth of her first baby. Within five months she was back to her ideal body until she became pregnant with her second son. Applying the information she teaches she returned back to her ideal body with four months without being on a restricted diet.</p>
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		<title>How to Achieve MASSIVE Success in the New Economy</title>
		<link>http://feedproxy.google.com/~r/RichGrad/~3/6gJMAMPl1JE/</link>
		<comments>http://richgrad.com/how-to-achieve-massive-success-in-the-new-economy/#comments</comments>
		<pubDate>Sat, 21 Jan 2012 11:18:33 +0000</pubDate>
		<dc:creator>Yee Shun-Jian</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Life Coaching]]></category>
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		<category><![CDATA[Brendon Burchard]]></category>
		<category><![CDATA[Brendon Burchard Experts Academy]]></category>
		<category><![CDATA[Brendon Burchard Experts Academy Elite Online]]></category>
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In this new economy, where ideas rule and everyone is looking for help and new strategies right now, the most successful people will be content creators, trainers, and information marketers. People who use their life&#8217;s story and strategies for success to help other people improve their lives or businesses will have more income, influence and [...]]]></description>
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<p>In this new economy, where ideas rule and everyone is looking for help and new strategies right now, the most successful people will be content creators, trainers, and information marketers.</p>
<p>People who use their life&#8217;s story and strategies for success to help other people improve their lives or businesses will have more income, influence and impact.</p>
<p>Simply, &#8220;experts&#8221; now own the economy. They do this through books, speeches, seminars, coaching, and online marketing.</p>
<p>If you want to join the ranks of the new rich, then you have to position, promote and get paid as an expert</p>
<p><a href="http://RichGrad.com/EALive" target="_blank"><strong>The best training I&#8217;ve seen for that is right here</strong></a></p>
<p><a href="http://RichGrad.com/EALive" target="_blank"><img class="alignnone size-full wp-image-376" title="brendon burchard experts academy elite online live" src="http://readyfireim.com/wp-content/uploads/brendon-burchard-experts-academy-elite-online-live.jpg" alt="brendon burchard experts academy elite online live" width="400" height="192" /></a></p>
<p>This is <strong>Brendon Burchard</strong>&#8216;s famous <a href="http://RichGrad.com/EALive" target="_blank"><strong>Experts Academy</strong></a> program. Brendon is easily considered the world&#8217;s foremost expert on creating experts. And he just opened his program to the public &#8211; with over $65,000 of bonuses!</p>
<p>Brendon&#8217;s program teaches you step-by-step how to create an &#8220;expert empire&#8221; starting from scratch as an author, speaker, coach, seminar leader, and online information marketer. He basically teaches you HOW to get your knowledge and message out there and GET PAID for it.</p>
<p>He also shows you how the &#8220;legends&#8221; have done this &#8211; from T Harv Eker to John Gray to David Bach to Frank Kern.</p>
<p>Brendon himself made $4.6 Million in less than 24 months using this system (with NO employees!).</p>
<p><strong><a href="http://RichGrad.com/EALive" target="_blank">Check it out</a></strong></p>
<p>Brendon&#8217;s program is extremely limited. People usually pay $5000 for this information (but YOU don&#8217;t have to!), so he&#8217;s only making it available to a limited number of experts.</p>
<p>Amazingly, Brendon is also giving away ongoing training through four killer bonuses:</p>
<p>&#8211; &#8220;<a href="http://RichGrad.com/EALive" target="_blank"><strong>Marketing Mastery for Experts</strong></a>&#8221; (a $4997 program)</p>
<p>&#8211; $10,000 Marketing Planning Session</p>
<p>&#8211; <a href="http://RichGrad.com/EALive" target="_blank"><strong>Promotional Partnership Crash Course</strong></a>, another $5k program on getting JVs, affiliates, sponsors, etc.</p>
<p>&#8211; Over $9,000 of tickets to his private live events</p>
<p>It&#8217;s gotta be one of the best offers of the year when you consider the real value and Brendon&#8217;s real ability to get results for himself and his clients.</p>
<p>The time to <strong>learn how to be an &#8220;expert&#8221; in your niche</strong> is BEFORE you begin. If you haven&#8217;t made a sizable income through books, speeches, seminars, coaching and online marketing then perhaps it&#8217;s time you join Brendon&#8217;s program and join us in the new economy:</p>
<p><strong><a href="http://RichGrad.com/EALive" target="_blank">Watch this video now where Brendon will explain everything</a></strong></p>
<p>P.S. On top of immediate invaluable training, Brendon also just added to &#8220;hold your hand&#8221; as you build your expert empire through all of 2012.</p>
<p><strong><a href="http://RichGrad.com/EALive" target="_blank">Get the FULL Details here</a></strong></p>
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		<title>FREE Video: 10 Essential Steps to Becoming a Millionaire Expert</title>
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		<pubDate>Tue, 10 Jan 2012 03:08:43 +0000</pubDate>
		<dc:creator>Yee Shun-Jian</dc:creator>
				<category><![CDATA[Business]]></category>
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		<category><![CDATA[10 Essential Steps to Becoming a Millionaire Expert]]></category>
		<category><![CDATA[Brendon Burchard]]></category>
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Today, I&#8217;m excited to share with you a FREE training video from my friend, Brendon Burchard, that teaches you how to package what you know (your advice and life&#8217;s story) into high value information that people will happily and excitedly pay you for: Click here to go Get Your FREE Training Video from Brendon NOW [...]]]></description>
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<p>Today, I&#8217;m excited to share with you a FREE training video from my friend, <a href="http://RichGrad.com/BrendonFreeVid1" target="_blank"><strong>Brendon Burchard</strong></a>, that teaches you how to package what you know (your advice and life&#8217;s story) into high value information that people will happily and excitedly pay you for:</p>
<p><a href="http://RichGrad.com/BrendonFreeVid1" target="_blank"><img class="aligncenter size-full wp-image-1577" title="10 Essential Steps to Becoming a Millionaire Expert - Brendon Burchard" src="http://richgrad.com/wp-content/uploads/2012/01/10-Essential-Steps-to-Becoming-a-Millionaire-Expert-Brendon-Burchard.jpg" alt="10 Essential Steps to Becoming a Millionaire Expert - Brendon Burchard" width="400" height="243" /></a></p>
<p><strong><a href="http://RichGrad.com/BrendonFreeVid1" target="_blank">Click here to go Get Your FREE Training Video from Brendon NOW</a></strong></p>
<p>You are going to learn some of the BEST secrets I&#8217;ve learned from Brendon, personally, that have helped me grow my online business to the level that it is at now (over 30,000 subscribers in different niches) from scratch.</p>
<p>And the BEST part? He&#8217;s sharing this incredible information with you today for FREE!</p>
<p><strong><a href="http://RichGrad.com/BrendonFreeVid1" target="_blank">Click here to go Get Your FREE Training Video from Brendon NOW</a></strong></p>
<p>Btw, if you haven&#8217;t met Brendon, I think you&#8217;ll find his story inspiring.</p>
<p>Brendon went from bankruptcy to $4.6 million in the how-to space in just 18 months. He really get results:</p>
<p>- #1 New York Times Best-selling author with books in 20 languages and over 200k ebooks downloaded</p>
<p>- <strong>Spoken onstage with Tony Robbins, Sir Richard Branson, Dalia Lama, Wayne Dyer, Paula Abdul, Frank Kern, Jeff Walker</strong></p>
<p>- Seminars pulling 800 people at $2000-$10,000/ticket from 42+ countries</p>
<p>- <strong>100+ coaching clients paying $10,000-$35,000 a year</strong></p>
<p>- $4 million-plus online product launches and brilliant continuity programs</p>
<p>- <strong>#1, #2 and #3 ranked affiliate for some of the largest online marketing campaigns in the last 12 months</strong></p>
<p>You might have also seen Brendon recently on Anderson Cooper and ABC News.</p>
<p>What&#8217;s WAY more impressive is the results he gets for his STUDENTS.</p>
<p>You can see why in his video. The guy cares, he does it himself, and he really breaks it down for you:</p>
<p><strong><a href="http://RichGrad.com/BrendonFreeVid1" target="_blank">Click here to go Get Your FREE Training Video from Brendon NOW</a></strong></p>
<p>Enjoy the video.</p>
<p>And take notes. Trust me, it&#8217;s worth the optin.</p>
<p>P.S. In case you missed the link to get your FREE training video, here it is again&#8230;</p>
<p><a href="http://RichGrad.com/BrendonFreeVid1" target="_blank">http://RichGrad.com/BrendonFreeVid1</a></p>
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		<title>[FREE] 700+ Gifts To Help You Improve Your Life, Wealth, Health and Happiness!</title>
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		<pubDate>Sat, 07 Jan 2012 06:48:31 +0000</pubDate>
		<dc:creator>Yee Shun-Jian</dc:creator>
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If you don&#8217;t already know, the Self Improvement Gifts 6 Giveaway is now LIVE&#8230; This is your chance to download a selection of the finest Self Improvement and Personal Growth gifts available on the net today, for FREE! Click Here to go Download Your FREE Self Improvement and Personal Growth Gifts TODAY Get ready to [...]]]></description>
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<p>If you don&#8217;t already know, the <a href="http://RichGrad.com/FreeGiveAway" target="_blank"><strong>Self Improvement Gifts 6 Giveaway</strong></a> is now LIVE&#8230;</p>
<p>This is your chance to download a selection of the finest <strong>Self Improvement and Personal Growth gifts</strong> available on the net today, for FREE!</p>
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<p><strong><a href="http://RichGrad.com/FreeGiveAway" target="_blank">Click Here to go Download Your FREE Self Improvement and Personal Growth Gifts TODAY</a></strong></p>
<p>Get ready to download the BEST collection of <strong>FREE Self Improvement ebooks, videos, audios, memberships</strong> and much more.</p>
<p>Only YOU can improve your life for the better, so take advantage of this FANTASTIC opportunity NOW&#8230;and get ready to challenge any problems that dare stand in your way throughout 2012!</p>
<p><a href="http://RichGrad.com/FreeGiveAway" target="_blank">http://RichGrad.com/FreeGiveAway</a></p>
<p>And &#8211; remember you are not alone!</p>
<p>Now you have the help of my friends (and esteemed colleagues in the <em>personal development</em> industry) <strong>Stephanie Mulac</strong>, <strong>Carolyn Hansen</strong> &amp; <strong>Dr. Joe Rubino</strong> to guide you in the right direction with yet another successful <strong>Self Improvement Gifts Giveaway</strong>.</p>
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<p>Don&#8217;t waste anymore time, there&#8217;s nothing left to be said here. Go get your FREE gifts right now and start 2012 the right way!</p>
<p>To Your Success,<br />
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RichGrad.com<br />
101PowerfulAffirmations.com</p>
<p>P.S. Did I mention that the event only lasts a few weeks? Don&#8217;t delay, download all the gifts today before it&#8217;s too late!</p>
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		<title>11 Painful Life and Business Lessons from 2011</title>
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		<pubDate>Sat, 31 Dec 2011 15:08:45 +0000</pubDate>
		<dc:creator>Yee Shun-Jian</dc:creator>
				<category><![CDATA[Goal Setting]]></category>
		<category><![CDATA[Happiness]]></category>
		<category><![CDATA[Law of Attraction]]></category>
		<category><![CDATA[Mindset]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Personal Development]]></category>
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		<category><![CDATA[11 Painful Life and Business Lessons from 2011]]></category>
		<category><![CDATA[Near Bankrupcy]]></category>

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I&#8217;m not ashamed to admit it&#8230; 2011 has been one hell of a roller coaster ride for me. This is the year I almost went bankrupt; discovered who my true friends are; And experienced the Love of God as well as kindness, love and hope from complete strangers. This is also the year I achieved [...]]]></description>
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<p>I&#8217;m not ashamed to admit it&#8230; 2011 has been one hell of a roller coaster ride for me.</p>
<p>This is the year I almost went bankrupt; discovered who my true friends are; And experienced the Love of God as well as kindness, love and hope from complete strangers.</p>
<p>This is also the year <a href="http://richgrad.com/richgrad-com-surpasses-1-million-pageviews/" target="_blank">I achieved my goal of touching at least a million lives by the time I hit 30</a>; Started a facebook community called &#8220;<a href="https://www.facebook.com/101PowerfulAffirmations" target="_blank">101 Powerful Affirmations</a>&#8221; (based on the eBook I wrote by the same name) with the intention of making a positive difference to the world and built up a following of more than 10,000 fans in 2 months; And quadrupled my personal development email newsletter subscribers from less than 5,600 in Dec 2010 to over 25,000 now, allowing me to touch more lives with each and every message I send out.</p>
<p>What I&#8217;m going to share with you today is something that I&#8217;ve not made known publicly previously. It&#8217;s something only a few of my close friends know. And although I still feel a little apprehensive sharing it, I believe ultimately that this is going to benefit anyone who has ever experienced massive success and gotten complacent (a highly dangerous position to be in) as well as to prevent anyone from making the same mistakes I did so here goes nothing&#8230;</p>
<p>I know many of you know that I&#8217;ve gone from oweing a 5 figure debt (in 2007) to <a href="http://readyfireim.com/success/" target="_blank">making a 6 figure passive income from internet marketing</a> (in 2009). I&#8217;ve talked about it in my <a href="http://richgrad.com/gift.html" target="_blank">101 Powerful Affirmations eBook</a> and this is an achievement that I&#8217;ve always been proud of.</p>
<p>What you may not know is that I&#8217;ve lost almost all of that money (and more) very recently&#8230; in August 2011 to be exact&#8230; and am back to a position where I&#8217;ve taken on a 5 figure loan/debt again (the irony of life! LOL&#8230;)</p>
<p>This was what happened&#8230;</p>
<p><strong>Lesson 1: When you&#8217;ve achieved a certain level of success, you tend to get complacent. And that complacency is what&#8217;s going to lead to your downfall.</strong></p>
<p>In August 2011, the <a href="http://en.wikipedia.org/wiki/United_States_debt-ceiling_crisis" target="_blank">US debt-ceiling crisis</a> happened.</p>
<p>And it wiped out almost my entire life savings.</p>
<p>What happened was that I took a huge risk/gamble by over-leveraging my stock positions in Bank of America (BAC) and another stock I was trading in (GMR). I thought that stocks would definitely rally after the US has increased the debt ceiling so I took on multiple contra positions and the worst part was I left the positions open while I went on holiday overseas.</p>
<p>This backfired on me.</p>
<p>When I got back from my mini-vacation, I found out that Standard &amp; Poor&#8217;s had downgraded the credit rating of US government bond (because they thought the US government&#8217;s decision to raise the debt ceiling took too long) and this caused the US Stock market to plummet.</p>
<p>I lost more than US$100,000 in a matter of days.</p>
<p>I believe I landed myself into such a situation partly because of greed but mainly because of complacency.</p>
<p>I had let the financial success I&#8217;ve achieved from internet marketing get to my head&#8230; and probably believed that just because I am good at making money from one field/area, it means that I was good at making money in general, from any type of venture/investment I took on (like Stocks and Trading). This episode proved that I was DEAD wrong.</p>
<p>And I paid a heavy price to learn this lesson.</p>
<p><strong>Lesson 2: Never rely on just one major (income or traffic) source/person</strong></p>
<p>2011 hasn&#8217;t been the best year for me, financially speaking. Besides the stock losses which wiped out my savings, I was also coping with several business challenges.</p>
<p>One of them was that my google adwords account got permanently suspended, for no reason.</p>
<p>I was not the only one affected. Many internet marketers have had a similar experience and google wasn&#8217;t very helpful in their response to the whole saga.</p>
<p>On top of that, the affiliate accounts generating me the most money were hacked&#8230; and I stopped receiving money from these accounts (They were 5 figure/month accounts)</p>
<p>I still receive passive internet income from other smaller streams but not as much as what I was getting before.</p>
<p>What I&#8217;ve learned is that unexpected things and situations happen all the time in life and in business, and instead of placing blame or getting upset about it, we just need to adapt. I&#8217;ve switched to using facebook and other sources to generate FREE traffic (what a blessing!). And for the ultra-profitable 5-figure/month affiliate accounts, I can&#8217;t get them back since they were hacked but I&#8217;m gradually exploring other options and independent affiliate programs. With the internet marketing skills I have accumulated over the years, it&#8217;s just a matter of time before I build up my internet business back to its former glory again.</p>
<p><strong>Lesson 3: Stay away from toxic people. Surround yourself with positive people that lift you up.</strong></p>
<p>When you lose almost everything, you realize who your TRUE friends are.</p>
<p>At that point (in August 2011), because the prices for the stocks I bought went down so fast and so much (coupled with the fact that I was contra-ing), cash flow became a major problem.</p>
<p>I had enough money to pay off the losses but most of my money were stuck in my Paypal account (It takes at least 5 days for money to be transferred from paypal to my Singapore bank account and I had to settle the losses in 3 days).</p>
<p>So I did what anybody would do at that moment &#8211; I called up close friends to ask for help.</p>
<p>I explained the situation and made it clear that I just needed a loan for a couple of days&#8230; and I asked this girl whom I thought I could trust if it were possible for her to make a loan to me if I needed it (if my paypal funds did not get transferred on time). She asked me to let her know the amount so she can decide and I told her I would get back to her.</p>
<p>I called her back but she didn&#8217;t pick up.</p>
<p>I then texted her to let her know that it&#8217;s alright&#8230; my paypal funds came through and I had settled my losses.</p>
<p>And I thought that was that.</p>
<p>Little did I know that some time later, she would use this against me, in a bid to smear my reputation (Her network is also made up of many successful multi-millionaires and many mutual friends)</p>
<p>She was saying that since I make so much money from internet marketing, why would I even need a loan and even resorted to name-calling saying I&#8217;m a liar etc. (When I had clearly explained the reason why)</p>
<p>Bear in mind that I didn&#8217;t even borrow any money from her&#8230; I just asked if it were possible for her to make me a loan.</p>
<p>Anyway, I&#8217;m no longer friends with that girl&#8230; and no, I&#8217;m not going to mention names.</p>
<p>A mutual friend asked how I&#8217;m coping with this entire episode. I told him that betrayal hurts but I&#8217;m learning to move on. I wish this girl the best in whatever she does.</p>
<p><strong>Lesson 4: Debt may not necessarily be bad</strong></p>
<p>Actually, I&#8217;m thankful for my US$100,000+ losses from stocks speculation.</p>
<p>It humbled me by dealing me a hard slap on my face, &#8220;waking me up&#8221; as well as allowing me to see who my TRUE friends are.</p>
<p>Throughout the time when I was feeling really down, I&#8217;m glad I have other friends who have always stood by me&#8230; like my best gal friend Elsie Tay Lee Ping.</p>
<p>She was the one who introduced me to &#8220;Balance/Funds Transfer&#8221;. Basically, it&#8217;s a relatively cheap way of getting a short term loan.</p>
<p>My standard Chartered Credit Card Limit is $26,000 and I managed to get a 6 months $25,000 loan (through Funds Transfer) for only 1% or $250.</p>
<p>This really helps me a lot with liquidity.</p>
<p>I have reinvested part of the money into the US stock market but this time I&#8217;m more cautious, having learned from my painful lesson. I&#8217;m only investing in proven stocks that have generated me positive results in the past and I watch over my portfolio like a hawk now.</p>
<p>As a result, I&#8217;ve been able to gradually reduce my overalll losses&#8230;.</p>
<p>This is what my portfolio looks like now (It used to be +$30,000+ before the crash in August):</p>
<p><a href="http://richgrad.com/wp-content/uploads/2011/12/portfolio.png"><img title="portfolio" src="http://richgrad.com/wp-content/uploads/2011/12/portfolio.png" alt="portfolio" width="500" height="750" /></a></p>
<p>Debt is not always bad. Used wisely, it can be a pretty good form of leverage. As I mentioned before, it was the 5 figure debt that I took on in 2007, that has allowed me to invest in seminars to improve myself which resulted in the 6 figure income I accumulated in 2009.</p>
<p>Although it seems like I&#8217;m in a similar situation now like I was in 2007 (-ve 5 figures -&gt; +6 figures -&gt; -ve 5 figures), in reality, I know I&#8217;m at a different level now because I&#8217;ve grown so much and accumulated so many skills and I&#8217;m confident I will gain back what I&#8217;ve lost and more in due time.</p>
<p><strong>Lesson 5: Your (life and financial) decisions don&#8217;t only affect yourself. It affects others, like your family members</strong></p>
<p>When I lost almost my entire life savings and was only left with 3 figures in my bank account some time this year, I actually wasn&#8217;t feeling particularly upset.</p>
<p>Somehow I just know that I already have a 6 figure/year mindset so I&#8217;ll definitely be able to make the money back and more, in time to come.</p>
<p>Also, almost all of the income that I&#8217;ve earned the past few years were passive income&#8230; which I didn&#8217;t trade time, blood, sweat and tears for&#8230; so losing the money didn&#8217;t have such a major impact on me.</p>
<p>However, when my mom found out what happened (I told my dad about it but asked him not to let my mom know but he did anyway), she freaked out and went on a hunger strike.</p>
<p>&#8220;<em>If you wanted to throw money down the drain, you might as well have given it to me for safe-keeping</em>!&#8221;, I remembered her saying.</p>
<p>I tried to explain to her that obviously my intention of putting money into the stock market was to grow it and I had no way of knowing about the impending market crash (else I would have sold off all my stock positions way before that).</p>
<p>Seeing her acting out in this way pained me and for the first time, I felt the pain of losing the money and the consequences of my rash financial decisions.</p>
<p>I usually bring my parents out at least once a week to watch a movie or have a good meal and because of my financial situation, my mom told me it&#8217;s not necessary for me to continue doing so. She said&#8230; We can do so in future when you get your business and finances back up again.</p>
<p>I just told her &#8220;<em>No, don&#8217;t worry mom, God will take care of me. I will never go hungry, I will never live in lack. I don&#8217;t know how to explain to you but this is what I believe. And life is what happens NOW. Not in the future. I can&#8217;t be sure about the future&#8230; I can only be sure of what happens now. And right now I want to bring you to watch a good movie and eat a good meal like we usually do. You don&#8217;t have to worry about the money. Everything will be taken care of</em>&#8221;</p>
<p><strong>Lesson 6: Stay Hungry, Stay Foolish</strong></p>
<p>Now I finally understand what Steve Jobs meant when he said those wise words&#8230; Stay Hungry, Stay Foolish</p>
<p>The reason why I managed to get out of a 5 figure debt in 2007 to earn a 6 figure income in 2009 was because I was HUNGRY in 2007. I had left my job&#8230; I had gotten myself into a 5 figure debt (so as to pay for personal development seminars), my father was critically ill and I needed to make what I was doing (internet marketing) work. There was no other way than to succeed!</p>
<p>Then after, I&#8217;ve made the money&#8230; when I was enjoying 5 figure passive income cheques every month, I lost the hunger. I became complacent. I was traveling almost every month and partying every week. I steered away from my life mission of touching as many lives as I can so as to bring more love, hope and joy to the world.</p>
<p>Losing (almost) my entire life savings in August 2011 woke me up. It changed my entire perspective on money and on life. I decided to get back on track to fulfill my life purpose. I got hungry again and foolish as well. I know my first priority is to help people. Making money would come as a natural consequence&#8230; as long as I focus on giving massive value to as many people as I can&#8230; because money is ultimately just an exchange of value.</p>
<p><strong>Lesson 7: Don&#8217;t be afraid to go after your dreams, in spite of ridicule, criticism, possible humiliation and/or fear</strong></p>
<p>This was one of the main driving forces that prompted me to set up 2 facebook communities (<a href="https://www.facebook.com/christsmysavior" target="_blank">Free Daily Christian Affirmations</a> and <a href="https://www.facebook.com/101PowerfulAffirmations" target="_blank">101 Powerful Affirmations</a>) in mid September 2011. My goal was to revolutionize facebook and make it more positive. I also wanted to have some sort of a forum/place where my subscribers would gather to motivate and inspire each other and share positive affirmations/quotes with each other and brighten each others&#8217; days.</p>
<p>In end October&#8230; I set a ridiculous goal&#8230; <a href="http://richgrad.com/contest/" target="_blank">I told everyone I wanted to achieve 100,000 likes for 101 Powerful Affirmations in 2 months (by Christmas)</a>. My goal all along is 10,000 &#8216;likes&#8217; in 2 months but I have always heard you need to put another &#8217;0&#8242; behind whatever numeric goal you set&#8230; so I did&#8230; I even went back to my alma mater, NUS to give a talk about my goal. Some people thought I was crazy&#8230; others criticized me and asked what&#8217;s the intention behind my goal <a href="http://richgrad.com/contest/" target="_blank">even though I have already explained it many times</a>. But I didn&#8217;t care&#8230; I just pressed on&#8230; I was eating, sleeping, dreaming, talking, breathing <a href="https://www.facebook.com/101PowerfulAffirmations" target="_blank">101 Powerful Affirmations</a>.</p>
<p>[There is a video that cannot be displayed in this feed. <a href="http://richgrad.com/11-painful-life-and-business-lessons-from-2011/">Visit the blog entry to see the video.]</a></p>
<p>By 15 Dec (before Christmas), we achieved my original goal of 10,000 &#8216;likes&#8217; in 2 months (by Christmas). As of this moment, the community has garnered over 12,000 likes and the positive affirmations and quotes there have been viewed and shared over 5 million times&#8230;</p>
<p>These are some of the testimonials I have received&#8230; (Click on image to enlarge)</p>
<p><a href="https://fbcdn-sphotos-a.akamaihd.net/hphotos-ak-ash4/386050_10150428187936973_526106972_8591743_780057286_n.jpg" target="_blank"><img src="https://fbcdn-sphotos-a.akamaihd.net/hphotos-ak-ash4/386050_10150428187936973_526106972_8591743_780057286_n.jpg" alt="" width="500" height="427" /></a></p>
<p><a href="https://fbcdn-sphotos-a.akamaihd.net/hphotos-ak-snc7/s720x720/396288_10150447708486973_526106972_8680965_1414750462_n.jpg" target="_blank"><img src="https://fbcdn-sphotos-a.akamaihd.net/hphotos-ak-snc7/s720x720/396288_10150447708486973_526106972_8680965_1414750462_n.jpg" alt="" width="500" height="454" /></a></p>
<p><a href="https://fbcdn-sphotos-a.akamaihd.net/hphotos-ak-ash4/400414_10150454937061973_526106972_8719001_74509052_n.jpg" target="_blank"><img src="https://fbcdn-sphotos-a.akamaihd.net/hphotos-ak-ash4/400414_10150454937061973_526106972_8719001_74509052_n.jpg" alt="" width="500" height="483" /></a></p>
<p>I&#8217;m so happy that I have inspired so many people within such a short time. I&#8217;m also thankful for all the help I&#8217;m getting from complete strangers who believed in me, believed in the cause I was promoting and jumped on board to help me man 101 Powerful Affirmations.</p>
<p><strong>Lesson 8: Thank God for Insurance</strong></p>
<p>Not many people know this but I actually got into a car accident on 17 October 2011. I&#8217;m still going for treatment every now and then and my neck and back hurts every day. But I just pray every day that &#8220;By his stripes, I am healed&#8221;.</p>
<p><img title="Physiotherapy" src="http://richgrad.com/wp-content/uploads/2011/12/Physiotherapy.jpg" alt="Physiotherapy" width="500" height="667" /></p>
<p>I&#8217;ve chalked up quite a huge bill from all the medical expenses.</p>
<p><img src="https://fbcdn-sphotos-a.akamaihd.net/hphotos-ak-snc7/p480x480/397791_10150453406121973_526106972_8712271_473250293_n.jpg" alt="Medical Bills from Gleneagles Hospital" /><br />
<em>Medical Bills Chalked up in a single visit ($756 in total)</em></p>
<p>Thank God I am covered by insurance. If you live in Singapore and you want to get insurance (especially personal accident plan), please feel free to get in touch with my good friend and insurance agent Elsie Tay at +65 90995550</p>
<p><strong>Lesson 9: My wealth is not measured by how much I have in my bank account but how much I&#8217;ve invested in my financial mindset</strong></p>
<p>A person who has a lot of money in the bank but who&#8217;s not prudent with it can lose it very easily (as I have shown you).</p>
<p>A person who may not have much money in the bank currently but who has the right mindset will accumulate the amount of money that&#8217;s in his mind in time to come.</p>
<p>I&#8217;m not afraid to admit that right now, I may not in the best financial shape physically but mark my words, that will all turn around pretty soon&#8230; =)</p>
<p><strong>Lesson 10: Be willing to invest in education/coaching no matter what level you&#8217;re at</strong></p>
<p>This is related to the previous lesson. I realized that no matter what level you&#8217;re at now, you still need to invest in education/coaching so as to get to the next level. The most important thing you can ever invest in is your mindset because it&#8217;s going to pay back multiple folds.</p>
<p><strong>Lesson 11: Be grateful every day</strong></p>
<p>Finally, be grateful every day for every thing. I&#8217;m very thankful to all the people I&#8217;ve attracted into my life as a result of starting 101 Powerful Affirmations&#8230; especially to all my ANGELS (my admins). I&#8217;m thankful to God for the lessons I&#8217;ve learned this year&#8230; and for providing for me so that I need never worry. I just do my best and God will do the rest.</p>
<p>I am thankful for the amazing results I&#8217;ve gotten this quarter&#8230; which I have mentioned in the beginning of this blog post.</p>
<p><a href="https://www.facebook.com/101PowerfulAffirmations" target="_blank"><img src="https://fbcdn-sphotos-a.akamaihd.net/hphotos-ak-ash4/383013_10150453654331973_526106972_8712916_2042063745_n.jpg" alt="Phenomenal Growth of the 101 Powerful Affirmations Facebook Community" width="500" height="485" /></a></p>
<p><a href="http://richgrad.com/gift/" target="_blank"><img title="Shun Jian Quadrupled his email list and addeProof that Shun Jian Quadrupled his email list in 2011 and added more than 10000 new subscribers in one monthd more than 10000 new subscribers in one month (Dec 2011)" src="http://richgrad.com/wp-content/uploads/2011/12/Shun-Jian-Quadrupled-his-email-list-and-added-more-than-10000-new-subscribers-in-one-month.jpg" alt="Proof that Shun Jian Quadrupled his email list in 2011 and added more than 10000 new subscribers in one month (Dec 2011)" width="500" height="518" /></a></p>
<p>2012 hasn&#8217;t even started and it already looks set to be my BEST year ever. I have already secured two $200/hour Internet Marketing coaching clients for the first week of the year (excited to groom them into IM superstars!) , been invited to give talks and network with students/industry leaders from my Alma mater (NUS), received countless JV proposals/offers etc.</p>
<p>I know this has been a really long blog post and if you&#8217;re still with me, I thank you for taking the time to read it. I hope you will seriously learn from the mistakes I&#8217;ve made (and not make them yourself) and I hope you have been inspired by how I&#8217;ve turned adversity into opportunities to close out this year with a positive ending.</p>
<p>Goodbye 2011 and Happy New Year 2012&#8230; I hope to inspire you more in this coming year =)</p>
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