KARMA

Karma is a Buddhist term, which says, "For every event that occurs, there will follow another event whose existence was cause by the first, and this is second event will be pleasant or unpleasant according to the first." According to Buddha, "our good and evil deeds follow us continually like shadows."

Karma doesn't happen by accident.

It has nothing to do with lucky and everything to do with you. 

SUFFER AND LEARN

None of us likes to suffer and sometimes our greatest mistake lies in trying to get through difficult periods as quickly as possible, not realizing that this suffering is usually preparation for better times ahead. Please remember that the hellish moments are preparing you to further evolve as a person of wisdom and strength. This is why we must welcome and accept all circumstances as part of our treasury of opportunity. 

All sorts of difficulties in life may draw you into the valleys of pain in order to shock you out of your old and comfortable ways into fresh pathways of thought. in every difficulty lies the invaluable seed of personal growth and spiritual upliftment. You gain inner strength and spiritual evolution from the overcoming of difficulties.

If you want love, give unconditional love. If you want peace, give unconditional peace. If you want business, give unconditionally!

GETTING WHAT THEY DESERVE

We see it everyday in our own lives and those around us. Karma is the driver who passes you on the highway going 100 mph whom you pass a few minutes later because they are on the side of the road getting a ticket. Karma is also the Loan Officer who wins over a customer before they have even met because of their kind acts of many months or years ago to someone that customer knows.

Please remember that your thoughts and words are also considered as karma. To desire is also a sort of action, so you must be very aware of your bad desires and reject them immediately. Negative emotions such as anger and jealousy are wrongful actions leading to negative reactions, or in other words, your suffering. Therefore, we must always be mindful that each of our physical, emotional, verbal or mental actions have inevitable repercussions.

Tomorrow, how to keep the good karma and discard the bad!

THEY CAN'T ALL BE GOOD

Our minds generate about 60,000 thoughts per day, so to believe that they will be rosy and filled with good karma is Pollyanna thinking. Negative thoughts or disturbing emotions emerge within us every day. A little of this is normal, but if you permit those detrimental emotions to reside within yourself, strengthening them through wrongful actions, evil thoughts and bitter words, then you will be creating bad karma. Your duty is to get ride of those negative thoughts ASAP. 

Close evaluation of the scriptures tells us that even Christ and other great souls were not exempt from experiencing downbeat thoughts, fear, anger, sadness, or any other kind of negative emotion, though they were always trying to hastily eradicate those obstacles in their evolutionary process.

So the next time you have a wicked thought, please remember the law of karma because the longer that thought resides within you, the more you will suffer. Tomorrow we will examine good suffering vs. bad suffering. 

AN IMPORTANT HOMOPHONE

A homophone is a word with two spellings, two meanings and the same pronunciation. For instance "ant" and "aunt" or "been" and "bin".

"Principal" is another such word with a multitude of meanings. It can mean first in importance, the most important person or performer, a perpetrator, a significant participant, a responsible party, a represented person, or the most common usage; the person in charge of a school who's office most kids try to avoid being sent to.

"Principle" is also a word with several meanings. It can mean a basic assumption, an ethical standard, the means in which something works, a characteristic ingredient, another word for source, or theory. Principle can even refer to God in world of Christian Science.

However, one definition of "principle" that you will never find, is that which refers to the initial amount of money borrowed.

You know the "P" in P & I payment. That "P" is spelled principal not principle.

This mistake is made daily in our business, even recently in literature from Wells Fargo and Mortgage Coach among others. Maybe the funniest misuse of the "P" word though is when it appears right there on a competitor's Good Faith Estimate. What an opportunity for you!

CHARM SCHOOL

"C" is for charm and make no mistake; charm (if combined with competence) will take you a long way in this business. It is impossible to understate the incredible magnetism brought on by the pleasant karma of charm.

The root of charm is a polite and positive disposition combined with appropriate use of the other person's name. People are attracted to those who are polite, use their name and take genuine interest in them. Aren't you? What more do we really look for in another person?

Charm is easy for some elusive for many because charm can not be faked. For most of us, phony charm is like nails on a chalkboard. We see it, we hear it, we feel it, and we loathe it. 

This is the essence of charm. The rest comes with time, practice and the will to be charming. Plus, charm is the finest way to improve your conversion rate with customers (and your approval rate with your co-workers.) A life lived with integrity - even if it lacks the trappings of fame and fortune is a shining star in whose light others may follow in years to come.

"I" DOESN'T STAND FOR "YOU"

"I" stands for incompetent, incapable, isosceles and indigestion. None of which are good for us.

Isosceles means having two equal sides and we all have something on our bodies that is a little different on the left side than it is on the right. And right now you are thinking about that part of your body aren't you?

But enough about you.

"I" stands for integrity which is an adherence to a code of values. Like our body parts differ, we all have somewhat different levels of morality and values but integrity can not be faked. Right is right and wrong is wrong and we all know the difference.

There is no faking integrity. you either have it our you don't.

DO IT NOW!

DO IT NOW! In business, few words are more important than one of the shortest complete sentences in the English language. If you want to accomplish the maximum amount possible with your time, take this short sentence to heart. Do it now!

The benefits are huge. By doing something now that you know you will have to do later anyway, you avoid wasting time thinking about it, writing it down, etc. So why procrastinate when you an do it now??

THOUGHTS FROM RON

What should happen when you make a mistake is this: you take your knocks, you learn your lesson, and then you move on.
— Ronal Reagan (1911-2004)

We all make mistakes. From the little ones that don't matter to the gaffes that haunt us for years. Mistakes can cost us dollars, customers and even relationships. The cost of a mistake can be great, but the reward for our mistakes can always be greater. The lessons we chose to learn from our mistakes are what molds us as a person and a professional.

So take a few moments today to reflect upon a mistake that may have cost you a professional relationship. Think about using this great lesson called a mistake to learn and grow from your error and move on.

Better yet, use this lesson to win back the relationship! 

Pick up the phone, confess your wrongdoing and tell that person about the lesson you have taken from the experience. You can send all the flowers and candy you want, but nothing will do more to mend the fences than a sincere apology combined with sharing the lesson learned.