L me
Ideas and Insights from the First Step Member Community www.first-step-community.info 4th October 2009
Thinking Ahead is a collection of blog posts from members of the First Step Member Community. Each contributing author retains their copyright for their individual content. The material contained in this publication is general and is not intended as advice on any particular matter. The authors expressly disclaim all and any liability to any persons whatsoever in respect of anything done by any such person in reliance, whether in whole or in part, on this publication.
2FWREHU
7hinking AheaG www.first-step-community.info
6+$5211( 3+,//,36
$VVXPSWLRQV VD\ PRUH DERXW XV
*,+$1 3(5(5$
2&7 3 0
&RQFHUWR &ODVVLFR WKH H[SHULHQFH 2&7 $ 0 :KHQ , ZDV LQ (XURSH LQ -XQH , VSHQW D ZHHNHQG LQ )ORUHQFH ZKLFK LQFOXGHG D YLVLW WR WKH RSHUD 1RW MXVW DQ\ RSHUD EXW 6W 0DUN¶V 2SHUD &RPSDQ\ ZKLFK LV UXQ E\ P\ IULHQGV )UDQ] DQG ,OVH ,W¶V D PDJLFDO H[SHULHQFH WKDW LV GLIILFXOW WR GHVFULEH (YHQ LI \RX¶UH QRW DQ RSHUD IDQ DQG , PXVW FRQIHVV , RQO\ KDYH D SDVVLQJ LQWHUHVW LQ LW QRW DQ LQWHQVH GHYRWLRQ LW¶V KDUG QRW WR EH FDSWLYDWHG E\ WKH SHUIRUPDQFH ,W¶V SHUIRUPHG LQ D FKXUFK ZLWK VHDWV VR FORVH WR WKH SHUIRUPHUV \RX FRXOG UHDFK RXW DQG WRXFK WKHP OLWHUDOO\ 7KH SHUIRUPHUV VLQJ ZLWKRXW D PLFURSKRQH DQG ZLWK RQO\ D SLDQR WR DFFRPSDQ\ WKHP DQG \HW WKHLU YRLFHV ILOO WKH FKXUFK DQG UHVRQDWH DURXQG WKH URRP
:KDW DVVXPSWLRQV GR \RX WDNH LQWR HYHU\ WKRXJKW DQG FRQYHUVDWLRQ \RX KDYH"
+HUH¶V D VKRUW YLGHR H[WUDFW IURP RQH RI WKHLU SHUIRUPDQFHV 7RVFD¶V DULD IURP WKH VHFRQG DFW ³9LVVL G¶DUWH´ ZLWK 6LOYDQD )UROL VRSUDQR
, UHFHQWO\ UHDG 'U ,UHQH 3HSSHUEHUJ¶V ZRQGHUIXO ERRN ³$OH[ 0H´ DERXW KHU \HDU ZRUNLQJ UHODWLRQVKLS ZLWK DQ $IULFDQ *UH\ 3DUURW $OH[
<RX FRXOG KHDU WKH VDPH RSHUD RQ &' RU ZDWFK LW RQ '9' RU HYHQ JR WR D PRUH ³SURIHVVLRQDO´ SHUIRUPDQFH LQ RQH RI WKH ELJJHU YHQXHV HOVHZKHUH LQ )ORUHQFH %XW LW¶V QRW WKH VDPH H[SHULHQFH DQG WKDW¶V ZKDW PDNHV LW GLIIHUHQW
7KURXJK KHU ZRUN DQG LQ KHU ERRN 'U 3HSSHUEHUJ FRQVLGHUV WKH DFTXLVLWLRQ RI ODQJXDJH LQ QRQ SULPDWH DQLPDOV WKH QDWXUH RI LQWHOOLJHQFH DV ZHOO DV RXU DWWLWXGHV DQG SUHMXGLFH UHODWLQJ WR RXU SODFH LQ WKH DQLPDO KLHUDUFK\ 6KH ZURWH WKDW RWKHU VFLHQWLVWV GLG QRW EHOLHYH KHU ZRUN QRU GLG WKH\ WDNH LW VHULRXVO\ DQG VKH ZDV DWWDFNHG IRU KHU FRQFOXVLRQV IURP D QXPEHU RI DUHDV 7KLV PLJKW EH EDVHG RQ D VFLHQWLILF ULJRXU RXU UHOXFWDQFH WR WKLQN RXWVLGH WKH ER[ DQ XQZLOOLQJQHVV WR TXHVWLRQ SUHYLRXVO\ KHOG EHOLHIV RU D QRWLRQ WKDW KXPDQV KDYH WKH RQO\ ZRUWKZKLOH GHILQLWLRQV DQG VWDQGDUGV WR ZKLFK DOO OLIH VKRXOG DVSLUH ,W ZDV KDUG IRU PDQ\ SHRSOH WR DFFHSW WKDW VRPHWKLQJ ZLWK D EUDLQ WKH VL]H RI D ZDOQXW FRXOG XQGHUVWDQG PDWKV FRQFHSWV ZRUG IRUPDWLRQ HWF
$UH \RX VHFXUH HQRXJK LQ \RXU EHOLHIV WR EH RSHQ PLQGHG" 0DQ\ RWKHU ELUGV GLVSOD\ VRPH LQWHOOLJHQFH
2FWREHU
www.first-step-community.info
0$77 +(51 &(57,),(' ),1$1&,$/ 3/$11(5
GUXJV XVHG IRU FDQFHU WUHDWPHQW FRVW EHWZHHQ WR SHU \HDU
/LIH 6DYLQJ $GYLFH 2&7 3 0
,PSRUWDQWO\ QRW DOO DUH VXEVLGLVHG RQ WKH 3KDUPDFHXWLFDO %HQHILWV 6FKHPH 3%6
7KHVH GD\V PDQ\ SHRSOH VXUYLYH D VHULRXV LOOQHVV OLNH FDQFHU KHDUW DWWDFN DQG VWURNH %XW WKH H[SHULHQFH OHDYHV PDQ\ ILQDQFLDOO\ FULSSOHG ,W VKRXOGQ¶W DQG GRHVQ¶W QHHG WR EH WKDW ZD\
,I \RXU GRFWRU WROG \RX RI D QHZ ZRQGHU GUXJ WKDW FRXOG VDYH \RXU OLIH EXW LW ZDV QRW \HW RQ WKH 3%6 ZRXOG \RX ILQG VRPH ZD\ WR FRPH XS ZLWK WKH PRQH\"
³0\ UHDFWLRQ ZDV LI WKLV LV JRLQJ WR VDYH P\ OLIH , GRQ¶W FDUH KRZ PXFK LW FRVWV ´ %UHDVW FDQFHU VXUYLYRU %URQZ\Q :HOOV TXRWHG LQ 7KH :HHNHQG $XVWUDOLDQ WK 6HSWHPEHU 9LHZ DUWLFOH KHUH
,W¶V KXPDQ QDWXUH WR %XW WKHQ LI WKH GUXJ ZRUNV \RX ZLOO VXUYLYH EXW PD\ EH ILQDQFLDOO\ FULSSOHG RU DW OHDVW VWUDLQHG 7UDXPD LQVXUDQFH FDQ VXSSRUW WKRVH FKRLFHV
<HV RI FRXUVH LI \RX DUH IDFHG ZLWK D OLIH WKUHDWHQLQJ LOOQHVV \RX¶OO KDSSLO\ VHOO LQYHVWPHQW DVVHWV WR IXQG \RXU OLIHVW\OH DQG PHGLFDO H[SHQVHV
7DNH $FWLRQ WKHQ 6OHHS (DV\ , GRQ¶W DGYRFDWH GZHOOLQJ RQ ZKDW FRXOG JR ZURQJ DQG WKH FRQVHTXHQFHV LI LW GRHV %XW , DOVR GRQ¶W DGYRFDWH SXWWLQJ \RXU KHDG LQ WKH VDQG DQG QRW WKLQNLQJ DERXW RU SODQQLQJ IRU LW
%XW ZKDW LI WKDW LV QRW HQRXJK" $QG ZKDW QH[W RQFH \RX¶YH SXOOHG WKURXJK"
7KLV LV KRZ , UHFRPPHQG ZH GHDO ZLWK VXFK SRWHQWLDO VSHHG EXPSV
³7KH ILQDQFLDO LPSDFW RI VRPHWKLQJ OLNH EUHDVW FDQFHU LV HQRUPRXV´ VDLG :HOOV LQ WKH DUWLFOH ZKLFK DOVR UHSRUWHG WKDW VKH KDG WDNHQ WZR \HDUV RII ZRUN WR ILJKW KHU LOOQHVV
%HFRPH DZDUH RI WKH SRVVLELOLW\ $FNQRZOHGJH WKH WUXH OLNHOLKRRG RI RFFXUUHQFH
,I WKDW ILQDQFLDO LPSDFW FRQFHUQV \RX WKHQ LW¶V WLPH WR ORRN DW DQRWKHU VWUDQG LQ \RXU VDIHW\ QHW
,QYHVWLJDWH DQG FRQVLGHU WKH SRWHQWLDO FRQVHTXHQFHV
$ 9DOXDEOH 7RRO ± 7UDXPD ,QVXUDQFH
,PSOHPHQW DQ DSSURSULDWH VDIHW\ QHW
,I \RX ZDQW WR EH DEOH WR IXQG \RXU FKRLFH RI PHGLFDO WUHDWPHQW WKHQ WUDXPD LQVXUDQFH FDQ SURYLGH \RX ZLWK WKH PRQH\
5HVW HDV\ NQRZLQJ \RX KDYH SURWHFWLRQ 'RQ¶W DVVXPH \RX FDQ¶W DIIRUG LQVXUDQFH ,W¶V RIWHQ PXFK FKHDSHU WKDQ \RX WKLQN ± HVSHFLDOO\ RQFH \RX SURSHUO\ FRQVLGHU WKH WUXH FRVW RI QR SURWHFWLRQ
,I DW WKH VDPH WLPH \RX ZDQW WR SURWHFW \RXU IDPLO\¶V OLIHVW\OH DQG DYRLG ILQDQFLDO VWUHVV WKHQ WUDXPD LQVXUDQFH LV HVVHQWLDO
&DOO PH RU H PDLO PH QRZ IRU D QR REOLJDWLRQ GLVFXVVLRQ DQG TXRWH DERXW WKH LQYHVWPHQW LQ WUDXPD LQVXUDQFH IRU \RXU VDIHW\ QHW
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¶V ZKHUH WKH WUDXPD LQVXUDQFH KHOSV D ORW 7KH &RVW RI 7UHDWPHQW 7UHDWPHQW FRVWV YDU\ ZLGHO\ EXW LWV SUREDEO\ PXFK KLJKHU WKDQ \RX WKLQN 7KH DUWLFOH LQ 7KH :HHNHQG $XVWUDOLDQ QRWHG WKDW PDQ\ PRGHUQ
2FWREHU
www.first-step-community.info
*,+$1 3(5(5$
*,+$1 3(5(5$
0LFURVRIW¶V &OXHOHVV ,GHD IRU :LQGRZV /DXQFK
'RQ¶W WU\ WR UHGXFH WKH LQIRUPDWLRQ RYHUORDG
2&7 $ 0
2&7 3 0
%\ DOO DFFRXQWV 0LFURVRIW¶V QHZ RSHUDWLQJ V\VWHP :LQGRZV LV SUHWW\ JRRG DQG QRW MXVW FRPSDUHG WR WKH WUDLQ ZUHFN LW IROORZV :LQGRZV 9LVWD %XW 0LFURVRIW¶V ODWHVW LGHD WR SURPRWH LW LV WHUULEOH
0DQ\ SHRSOH VXIIHU IURP LQIRUPDWLRQ RYHUORDG DQG WKHLU VROXWLRQ LV XVXDOO\ WR WU\ WR UHGXFH WKH ORDG , GRQ¶W WKLQN WKDW¶V WKH EHVW RSWLRQ <RXU FOLHQWV DXGLHQFHV DQG FXVWRPHUV ZDQW \RX WR KDYH LQIRUPDWLRQ RYHUORDG DERXW \RXU DUHD RI H[SHUWLVH VR \RX FDQ VLIW WKURXJK LW ILQG WKH ELWV WKDW DUH PRVW UHOHYDQW WR WKHP DQG VKDUH WKRVH JHPV
0LFURVRIW LV WU\LQJ WR HQFRXUDJH SHRSOH WR KRVW WKHLU RZQ ³ODXQFK SDUWLHV´ RQ QG 2FWREHU WR FHOHEUDWH WKH DUULYDO RI :LQGRZV LQ WKH 86$ %XW WKLV LV D VWXSLG LGHD DV \RX¶OO VHH E\ ZDWFKLQJ WKHLU SURPRWLRQDO YLGHR :DUQLQJ 7KLV YLGHR PD\ HYRNH XQVWRSSDEOH FULQJLQJ
2QH RI P\ IDYRXULWH EORJJHUV 5RKLW %KDUJDYD HYHQ VXJJHVWV WKHUH PLJKW EH D IXWXUH MRE WLWOH ³&RQWHQW &XUDWRU´ ZKRVH MRE LV WR GR H[DFWO\ WKDW %XW ZK\ ZDLW" :K\ QRW EHFRPH WKH &RQWHQW &XUDWRU IRU \RXU FOLHQWV 7KH\¶OO ORYH \RX IRU LW
,W¶V QRW MXVW WKDW WKH\¶YH FUHDWHG D SRRU YLGHR DOWKRXJK WKH\ KDYH 1R LW¶V PRUH WKH IODZHG LGHD KRSH" WKDW :LQGRZV XVHUV FDUH HQRXJK DERXW DQ RSHUDWLQJ V\VWHP WR WKURZ D SDUW\
:DQW WR NQRZ KRZ" ,¶OO EH WDONLQJ DERXW WKLV LQ P\ IUHH ZHELQDU QH[W :HGQHVGD\
0D\EH 0LFURVRIW LV WU\LQJ WR FRS\ $SSOH EXW WKDW¶V GXPE $SSOH GRHV KDYH DQ DOPRVW FXOW OLNH IROORZLQJ IURP VRPH RI WKHLU XVHUV DQG VRPH RI WKHP ZRXOG FDUH VR PXFK DERXW DQ RSHUDWLQJ V\VWHP XSJUDGH WKDW WKH\ ZRXOG WKURZ D SDUW\ IRU LW $IWHU DOO WKHVH DUH WKH SHRSOH ZKR TXHXH XS RYHUQLJKW IRU QHZ $SSOH JDGJHWV WKH VDPH ZD\ PXVLF IDQV TXHXH XS IRU FRQFHUW WLFNHWV
*,+$1 3(5(5$
)UHH :HELQDU QH[W :HGQHVGD\ %H 0RUH 3URGXFWLYH 2&7 3 0
:KDWHYHU 0LFURVRIW ZRXOG OLNH PRVW :LQGRZV XVHUV VLPSO\ DUHQ¶W LQ ORYH ZLWK D FRPSXWHU RSHUDWLQJ V\VWHP :KHWKHU RU QRW WKDW¶V D JRRG WKLQJ PLJKW EH D PDWWHU RI GHEDWH SHUVRQDOO\ , WKLQN LW LV %XW ZKDW¶V FOHDU WR DQ\ERG\ LV WKDW WKH ³ODXQFK SDUW\´ LGHD LV WDFN\ SRRUO\ WDUJHWHG DQG GHPRQVWUDWHV D FOHDU PLVPDWFK EHWZHHQ WKH FRPSDQ\ DQG LWV PDUNHW
, FRQGXFW PRQWKO\ ZHELQDUV IRU PHPEHUV RI P\ )LUVW 6WHS &RPPXQLW\ )URP WLPH WR WLPH , RSHQ WKHP XS WR RWKHUV DV ZHOO ,¶P GRLQJ WKDW QH[W :HGQHVGD\ ZLWK P\ ZHELQDU %H 0RUH 3URGXFWLYH ,W¶V RQ :HGQHVGD\ WK 2FWREHU DP :$ WLPH SP ('67 8VH WLPHDQGGDWH FRP WR FRQYHUW WKLV WR \RXU ORFDO WLPH ]RQH 3/($6( &+(&. 7,0( =21(6 &$5()8//< EHFDXVH WKLV ZHELQDU KDSSHQV WKH ZHHN DIWHU GD\OLJKW VDYLQJV WLPH VWDUWV LQ VRPH SDUWV RI $XVWUDOLD 4XLFN GHVFULSWLRQ
2FWREHU
www.first-step-community.info
62 :+$7¶6 1(;7" 7KHUH¶V DOUHDG\ PRUH LQIRUPDWLRQ DERXW \RXU EXVLQHVV DQG H[SHUWLVH WKDQ \RX FDQ KDQGOH LQ D OLIHWLPH DQG LW¶V JURZLQJ HYHQ IDVWHU WKDQ
³'RLQJ ZHOO E\ GRLQJ JRRG´
EHIRUH +RZ GR \RX NHHS RQ WRS RI HYHU\WKLQJ \RX QHHG WR NQRZ" ,Q WKLV ZHELQDU ,¶OO WHDFK \RX IRXU VLPSOH EXW HIIHFWLYH VWUDWHJLHV WR PDQDJH WKH LQIRUPDWLRQ RYHUORDG VR \RX FDQ EH SURGXFWLYH EH HIIHFWLYH DQG FRQWLQXH WR EH YDOXDEOH WR \RXU FOLHQWV
2&7 $ 0 ³'RLQJ ZHOO E\ GRLQJ JRRG´ DQG ³UHDFKLQJ RXW DQG JLYLQJ EDFN´ DUH NH\ VWUDWHJLHV IRU JURZWK RI VRPH RI WKH ZRUOG¶V ODUJHVW RUJDQLVDWLRQV :K\ QRW \RX" )LQG RXW PRUH E\ UHDGLQJ DQ H[FHOOHQW DUWLFOH LQ +DUYDUG %XVLQHVV 5HYLHZ E\ 6\OYLD $QQ +HZOHWW KHUH 7KH DUWLFOH LV KHDGHG ³%RRVW 3HUIRUPDQFH %\ 7DSSLQJ (PSOR\HHV¶ $OWUXLVP´
7KLV LV QRW \RXU W\SLFDO UXQ RI WKH PLOO WLPH PDQDJHPHQW SURJUDP ,W¶V VSHFLILFDOO\ IRU H[SHUWV DQG LW¶V VSHFLILFDOO\ DERXW PDQDJLQJ WKH WHFKQRORJ\ LQIRUPDWLRQ RYHUORDG
%H UHPDUNDEOH ,DQ )RXQGHU 'LIIHUHQFHPDNHUV &RPPXQLW\ :ULWHU DQG ,QWHUQDWLRQDO %XVLQHVV 6SHDNHU RQ KRZ GRLQJ JRRG LV JUHDW IRU EXVLQHVV
,I \RX KDYHQ¶W XVHG ZHELQDUV EHIRUH WKLV LV DOVR DQ H[FHOOHQW ZD\ WR OHDUQ PRUH DERXW WKH H[SHULHQFH 5HJLVWHU KHUH IRU WKH ZHELQDU
GRLQJ WRGD\ ZKDW RWKHUV ZLOO RQO\ EH WKLQNLQJ DERXW WRPRUURZ 3(7(5 :(%%¶6 ³:,6'20 &,5&/(´
+XQJDU\ IRU &OLPDWH &KDQJH
7+,1.,1* &$36
2&7 3 0
0DR¶V /DVW 'DQFHU 6(3 $ 0
+RZ DUH 3URIHVVRU +RZDUG *DUGQHU (GZDUG GH %RQR 3URIHVVRU 0DULDQ 'LDPRQG +DUYH\ 0DFND\ VRPH RI WKH 'RRELH %URWKHUV .LQJ &RQVWDQWLQH ,, ,DQ /HVOH\ &KULVWLQH $QX 'U 6WHSKHQ /XQGLQ DXWKRU RI )LVK DQG DXWKRU %U\FH &RXUWQH\ DOO OLQNHG" 7KURXJK WKH FRQQHFWLYLW\ RI &RQIHUHQFH &DUGV , KDYH KDG WKH MR\ RI VSHDNLQJ DW &RQIHUHQFHV ZKHUH WKHVH JRRG IRON KDYH VSRNHQ RU SHUIRUPHG
7KLV ZHHN , KDG OXQFK ZLWK WKH 3UHVLGHQW RI +XQJDU\ 3URI /iV]Oy 6yO\RP DW WKH /RZ\ ,QVWLWXWH IRU ,QWHUQDWLRQDO 3ROLF\ 7XUQV RXW KH¶V WKH ³$O *RUH´ RI (XURSH 6LQFH WKH &OXE RI 5RPH LQ WKH ³OLPLWV WR JURZWK´ KDYH EHHQ SUHGLFWHG 6XE V\VWHPV KDYH EHHQ FKDQJLQJ VORZO\ EXW VXGGHQO\ WKH\ JR SDVW WKHLU WLSSLQJ SRLQW )RU H[DPSOH $WODQWLF 6HD LFH LV PHOWLQJ IDVWHU WKDQ SUHGLFWHG +RZ IDU FDQ ZH JR EHIRUH WKHVH FKDQJHV EHFRPH LUUHYHUVLEOH" $FFRUGLQJ WR DQ DUWLFOH SXEOLVKHG LQ 1DWXUH MXVW ODVW ZHHN ZH¶YH DOUHDG\ JRQH SDVW WKH WLSSLQJ SRLQW IRU VRPH VXE V\VWHPV &DQ +XPDQ .LQG FKDQJH LQ WLPH" ,Q ZLWK WKH IDOO RI WKH ³,URQ &XUWDLQ´ KDOI RI (XURSH FKDQJHG ZLWKLQ D \HDU ZLWKRXW WKH XVXDO YLROHQFH DQG GHVWUXFWLRQ 6R LW FDQ EH GRQH ³7KH RQO\ KRSH´ WKH
5HFHQWO\ , JODQFHG WKURXJK P\ ROG MRXUQDOV DQG IRXQG QRWHV WDNHQ DW WKH 6FKZDU]NRSI &RQIHUHQFH LQ %RUQHR , KDG WKH MR\ RI WRSSLQJ DQG WDLOLQJ WKH FDUG ZLWK /L &XQ[LQ 0DR¶V /DVW 'DQFHU DQG *UHJRU\ 'DYLG
3UHVLGHQW VDLG ³DUH SHRSOH WKHPVHOYHV ´
/L¶V SUHVHQWDWLRQ DUH SLFWXUHG
5REHUWV 6KDQWDUPD EHLQJ WKH ZRQGHUIXO ILOOLQJ 0\ QRWHV RI WKH VWDUW RI
2FWREHU
www.first-step-community.info
*/(11 &$5':(//
7KH HYLGHQFH ZRQ¶W TXHOO WKH IHDU PRQJHUV 2FFDVLRQDO FRQVXPSWLRQ RI DVSDUWDPH LV YHU\ XQOLNHO\ WR EH D KHDOWK FRQFHUQ (YHQ WKH KLJK HQG XVHUV FRQVXPH ZHOO EHORZ WKH $FFHSWDEOH 'DLO\ ,QWDNH IRU DVSDUWDPH
:KHQ LV D VZHHWHQHU DUWLILFLDO" 6(3 $ 0
GHWHUPLQHG LQWHUQDWLRQDOO\ E\ IRRG VFLHQWLVWV 1R IRRG VFLHQWLVWV GRQ¶W FRQVSLUH WR KDUP WKH SXEOLF 7KH\ LQ IDFW VHW YHU\ KLJK VDIHW\ PDUJLQV IRU VZHHWHQHUV DQG RWKHU DGGLWLYHV VXFK WKDW HYHQ WKH FUD]\ IRON ZKR GULQN WZR OLWUHV RI GLHW VRIW GULQN D GD\ ZRQ¶W EH KDUPHG E\ D VZHHWHQHU KRZHYHU WKHLU WRRWK HQDPHO LV OLNHO\ WR EH HURGHG E\ WKH DFLG LQ VRIW GULQNV
$UWLILFLDO VZHHWHQHUV KDYH EHHQ DURXQG D YHU\ ORQJ WLPH 7KH ILUVW VZHHWHQHU WKDW ZDVQ¶W UHODWHG WR VXJDU RU KRQH\ ZDV FUHDWHG LQ \HDUV DJR ,W ZDV FDOOHG VDFFKDULQ ,W EHFDPH D VXJDU VXEVWLWXWH GXULQJ WKH VXJDU UHVWULFWLRQV RI ::, DQG ::,, ODWHU WR EHFRPH SDUW RI WKH QHZ ³GLHWHUV´ GULQNV RI WKH V
5HIHUHQFHV 6ZHHWHQHUV KDYH EHHQ DVVRFLDWHG ZLWK FDQFHU VLQFH PDVVLYH DPRXQWV RI VDFFKDULQ JLYHQ WR UDWV FDXVHG EODGGHU FDQFHU +RZ PXFK VDFFKDULQ" $ERXW WLPHV WKH DPRXQW DQ\ KXPDQ ZDV OLNHO\ WR FRQVXPH 7KLV UHVHDUFK KDV QRZ EHHQ GLVPLVVHG DQG LQ 0D\ VDFFKDULQ ZDV UHPRYHG IURP WKH OLVW RI SRWHQWLDO FDUFLQRJHQV
&DQFHU (SLGHPLRORJ\ %LRPDUNHUV 3UHYHQWLRQ &DQFHU (SLGHPLRORJ\ %LRPDUNHUV 3UHYHQWLRQ
7KH VPDOO VZHHW SURWHLQ
*,+$1 3(5(5$
,Q 3UDLVH RI 6ORZ E\ &DUO +RQRUp
7KH PRVW FRPPRQ VZHHWHQHU DVSDUWDPH ZDV GLVFRYHUHG LQ DQG ZDV DSSURYHG IRU XVH LQ IRRG LQ LQ WKH 86 DQG LQ $XVWUDOLD <RX ZLOO ILQG DVSDUWDPH LQ ORZ MRXOH RU ORZ VXJDU SURGXFWV WKDW DUH NHSW FRRO VXFK DV VRIW GULQNV DQG \RJXUW
6(3 3 0
$VSDUWDPH LV QRW UHDOO\ DUWLILFLDO EHFDXVH LW LV PDGH RI WZR DPLQR DFLGV SKHQ\ODODQLQH DQG DVSDUWLF DFLG ERWK RI ZKLFK DUH IRXQG LQ DQ\ IRRG ZLWK SURWHLQ IURP EUHDG WR EHHI $QG WKDW LV ZK\ LW LV RQO\ IRXQG LQ FRRO IRRGV ± RQFH \RX KHDW LW EHLQJ D VPDOO SURWHLQ LW ZLOO ORVH LWV RULJLQDO VWUXFWXUH DQG QR ORQJHU EH VZHHW ,W LV WKH PRVW UHVHDUFKHG DQG HYDOXDWHG IRRG DGGLWLYH LQ WKH ZRUOG \HW PDQ\ KDYH EHHQ DFWLYH DJDLQVW LWV XVH $ ORW RI IXVV RYHU D VPDOO SURWHLQ RU PRUH DFFXUDWHO\ D SHSWLGH
1R FDQFHU ULVN IRXQG 7KLV LV DQ HQWHUWDLQLQJ UHDG ZLWK +RQRUp WU\LQJ WR SHUVXDGH KLV UHDGHUV WKDW WKHUH¶V VWLOO WLPH LQGHHG EHQHILW LQ VORZLQJ GRZQ RXU KHFWLF OLYHV ,W¶V WKRXJKW SURYRNLQJ EXW PRUH LQ WKH ³+PPP ´ YHLQ WKDQ WKH ³$KD ´ VW\OH
7KH FDQFHU VZHHWHQHU DVVRFLDWLRQ LV VWLOO SUHYDOHQW 5HFHQWO\ ,WDOLDQ UHVHDUFKHUV WRRN D ORRN DW VZHHWHQHUV DQG WKH ULVN RI JHWWLQJ FDQFHU RI WKH VWRPDFK SDQFUHDV DQG HQGRPHWULXP 2YHU FDQFHU SDWLHQWV ZHUH PDWFKHG ZLWK RYHU FRQWUROV WR VHH LI WKHUH ZDV D OLQN EHWZHHQ VZHHWHQHU XVH DQG FDQFHU ULVN 7KH UHVHDUFKHUV FRQFOXGHG ³« WKH SUHVHQW VWXG\ DGGV IXUWKHU HYLGHQFH RQ WKH DEVHQFH RI DQ DVVRFLDWLRQ EHWZHHQ ORZ FDORULH VZHHWHQHU LQFOXGLQJ DVSDUWDPH FRQVXPSWLRQ DQG WKH ULVN RI FRPPRQ QHRSODVPV «´
7KLV LV QRW D ERRN ZLWK D VROLG IRXQGDWLRQ RI UHVHDUFK WR VXSSRUW LW %XW LW KDV HQRXJK VWRULHV H[DPSOHV DQHFGRWHV DQG KLVWRULFDO UHIHUHQFHV WR PDNH LW HDV\ WR UHDG
7KLV LV QRW WKH ILUVW SDSHU WR DEVROYH VZHHWHQHUV RI FDQFHU EODPH 0DQ\ RWKHU FDQFHUV KDYH EHHQ DVVHVVHG DQG ZHUH QRW DVVRFLDWHG ZLWK VZHHWHQHUV ,Q D 86 VWXG\ RI PHQ DQG ZRPHQ IRXQG QR OLQN EHWZHHQ DVSDUWDPH DQG OHXNDHPLD O\PSKRPDV RU EUDLQ WXPRXUV
:KDW GRHV LW DOO PHDQ"
2FWREHU
www.first-step-community.info
0$77 &+85&+
SRZHU DQG UDLQ ZDWHU WDQNV DQG VXSSOLHUV SOHDVH DLP WR PDNH LW DV HDV\
7ZR HQGV RI WKH FRQWLQXXP
DV SRVVLEOH WR LQVWDOO WKHVH DQG KHOS RXU HQYLURQPHQW
6(3 3 0 7KHUH LV D FRQWLQXXP WKDW H[LVWV« 2Q WKH RQH VLGH ZH KDYH WKH VPDOO JDPH DQG RQ WKH RWKHU ZH KDYH WKH ELJ NDKXQD 7KHVH WZR DUH UHDOO\ LPSRUWDQW LI \RX ZDQW WR EXLOG \RXU SUDFWLFH /HW¶V ORRN DW WKH ILUVW WKH VPDOO JDPH )LQG D VSHFLILF WDUJHW PDUNHW RI SHRSOH \RX HQMR\ VSHQGLQJ WLPH ZLWK )RU H[DPSOH OHWV VD\ UHDO HVWDWH SULQFLSDOV )LJXUH RXW D
/(7¶6 *2 7+(5(
VHUYLFH \RX FDQ RIIHU WKHP LQ D FRDFKLQJ PRGH
6(3 3 0
,Q D FDYH ZLWK JULHI OHDUQLQJ DERXW OLIH 3OHDVH H[FXVH P\ DEVHQFH
6+$5211( 3+,//,36
$EVHQFH PDNHV WKH KHDUW JURZ IRQGHU
&KDOOHQJLQJ ORFDO FRXQFLOV
, KRSH WKDW \RX QRZ KDYH D ELJJHU KHDUW
6(3 $ 0
0\ DEVHQFH IURP WKLV EORJ LV EHFDXVH P\ KHDUW KDG D EORZ 1RW RQH WKDW LV XQFRPPRQ \HW RQH WKDW LV XQIRUWXQDWHO\ D SDUW RI OLIH EHLQJ KXPDQ DQG JURZLQJ XS , ZULWH WKLV EORJ QRW WR VHHN V\PSDWK\ EXW WR EH RSHQ UHDO DQG VKDUH D SHUVSHFWLYH WKDW ZH DOO H[SHULHQFH HLWKHU GLUHFWO\ RU LQGLUHFWO\ 0\ PRWKHU SDVVHG DZD\ WKH HQG RI -XQH
, YLVLWHG %DOODVW 3RLQW SDUN LQ %LUFKJURYH 6\GQH\ ODVW ZHHNHQG $ SUHWW\ VSRW ORYHO\ YLHZV RI WKH KDUERXU DQG LQWHUHVWLQJ GHVLJQ
7KH VLWH ZDV RULJLQDOO\ XVHG IRU ORDGLQJ EDOODVW RQWR VKLSV ZKHQ WKH\ KDG RII ORDGHG JRRGV LQ WKH HDUO\ FRORQ\ WR UHWXUQ WR (QJODQG HPSW\ DQG ZDV D KXQWLQJ DQG ILVKLQJ SRLQW ,W ODWHU ZDV WKH VLWH IRU D ZRQGHUIXO DQG VLJQLILFDQW KRPH FDOOHG 0HQHYLD ,W FKDQJHG KDQGV D IHZ WLPHV DQG HYHQWXDOO\ ZDV ERXJKW E\ 7H[DFR &DOWH[ WKH\ GHPROLVKHG WKH KRXVH DQG GHYHORSHG WKH VLWH DV D IXHO GHSRW PDQXIDFWXULQJ DQG SDFNDJLQJ IDFLOLW\ XQWLO WKH V
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
,W ZDV ERXJKW E\ WKH JRYHUQPHQW DQG UHWXUQHG WR SXEOLF XVH ZLWK WKH VLWH GHYHORSHG DV D SDUN $SDUW IURP WKH LQWHUHVWLQJ GHVLJQ WKH VLWH KDV ZLQG WXUELQHV WR SRZHU WKH SDWK OLJKWLQJ 7KHVH DUH VLOHQW DUH RI D GLIIHUHQW GHVLJQ WKDQ RWKHUV , KDYH VHHQ DQG VHHP SHUKDSV VPDOO HQRXJK IRU GRPHVWLF XVH
:LOO ORFDO FRXQFLOV DOORZ XV WR LQVWDOO ZLQG WXUELQHV IRU RXU GRPHVWLF XVH" 0\ SOHD DOO KRPHV VKRXOG EH HQFRXUDJHG WR KDYH VRODU KHDWLQJ ZLQG
6R LQ WKH OHDG XS WR WKH RFFXUUHQFH RI KHU GHDWK DQG WKH WLPH VLQFH
2FWREHU
www.first-step-community.info
KHU SDVVLQJ , KHOG RII RQ ZULWLQJ , DOVR IHOW D QHHG WR UHWUHDW LQWR D SULYDWH DQG SHUVRQDO VSDFH RI P\ RZQ 0\ YRLFH VHHPHG WR JR LQZDUG KLGH LQVLGH PH DQG WDNH D EUHDN DV , QHHGHG WR UHVWRUH D VHQVH RI VHOI , DP VWLOO RQ WKLV MRXUQH\ RI UHVWRULQJ DQG HPHUJLQJ DV SDUW RI D VLJQLILFDQW OLIH WUDQVLWLRQ , DP QRZ UHDG\ WR SRNH P\ KHDG EDFN RXW RI WKH FDYH DQG VSHDN WR DQG EH ZLWK RWKHUV
FRXUVH YDULHV ZLWK WKH QDWXUH RI WKH ORVV DQG RXU SHUVRQDO FRQQHFWLRQ WR ZKDW LV ORVW \HW WKHVH DUH DOO ORVVHV
7KH µEDG¶ FRQYHUVDWLRQ
%HLQJ SXEOLF WR KHOS RWKHUV 6R ZK\ VKDUH WKLV VWRU\ ZLWK \RX" :K\ FRPH RXW RI P\ FDYH DQG EH SXEOLF ZKHQ , FRXOG MXVW KDYH D IHZ PRUH FRQYHUVDWLRQV" :HOO , IHHO TXLWH VWURQJO\ WKDW , QHHG WR DOVR VKDUH VRPH RI P\ UHIOHFWLRQV DQG WKLV H[SHULHQFH DV D ZD\ WR KHOS RWKHUV JRLQJ WKURXJK ORVV WUDQVLWLRQ DQG FKDQJH WKDW LV QRW LQ RXU FRQWURO ±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µPDNH XV KDSS\¶ LQ DQ DWWHPSW WR KHOS XV IHHO EHWWHU
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± ZH DOO ZLOO HYHQWXDOO\ NQRZ VRPHRQH ZKR ZLOO GLH DQG XOWLPDWHO\ VRPHRQH ZLOO NQRZ XV ZKHQ ZH GLH
:RUVH VWLOO ZH UDPS XS WKH SUHVVXUH DV LQ :HVWHUQ VRFLHW\ ZH SXVK WKH GUXJ RI KDSSLQHVV :H DUH DOO H[SHFWHG WR DVSLUH WR DQG EH KDSS\ DOO WKH WLPH ,I QRW WKHQ VRPHWKLQJ PXVW EH ZURQJ ,Q WKH VWDWH RI XQKDSSLQHVV ZH UXQ WR WKH PHGLFLQH FDELQHW WKH GRFWRU WKH ERR]H WKH GUXJV ,W LV HDVLHU WR HVFDSH WKH XQKDSSLQHVV IDOVHO\ FRYHU LW XS WKHQ WR VLW ZLWK LW DFNQRZOHGJH WKH UHDOLW\ RI VXFK HPRWLRQ 6XFK SRZHUIXO HPRWLRQ RIWHQ KDV D PHVVDJH IRU XV UHODWHG WR RXU FXUUHQW VWDWH RI EHLQJ
*ULHI LV SHUVRQDO ,Q P\ IUHTXHQW UHFHQW UHIOHFWLRQ , QRWLFH WKDW ZH DOO H[SHULHQFH JULHI LQ GLIIHUHQW ZD\V 'HVSLWH WKH H[SHUW DGYLFH RXW WKHUH ZH DOO JR WKURXJK WKH H[SHULHQFH LQ RXU RZQ SHUVRQDO ZD\ 1R ORVV LV WKH VDPH DV DQRWKHU :H
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
FDQ¶W DVVXPH WKDW ZH ZLOO IHHO WKH VDPH DV DQ\RQH HOVH RU WKH VDPH DV KRZ ZH IHOW WKH ODVW WLPH ZH ZHQW WKURXJK ORVV ,QVWHDG ZH MXVW KDYH WR JR WKURXJK LW 7KRXJK LW KHOSV ZKHQ QHHGHG WR LQYLWH DVVLVWDQFH DQG VXSSRUW LQ WKH YDULHW\ RI ZD\V ERWK IRUPDOO\ DQG LQIRUPDOO\ DYDLODEOH
1RZ , DP DSRORJLVLQJ LI WKLV FRQYHUVDWLRQ LV RII RQ WKH PRUELG WUDFN ,I LW LV DQG \RX DUH VHQVLWLYH WR WKLV WRSLF WKHQ SOHDVH EHDU ZLWK PH , DP KRZHYHU RI WKH RSLQLRQ YHU\ VWURQJO\ RI WKH RSLQLRQ WKDW ZH GRQ¶W WDON HQRXJK DERXW ORVV 1RZ LQ WKLV LQVWDQFH , DP WDONLQJ DERXW WKH GHDWK RI D ORYHG RQH +RZHYHU RXU ORVV FDQ EH DOO PDQQHU RI WKLQJV LQFOXGLQJ ORVV RI D SUHJQDQF\ OLIHVW\OH MRE KRPH 7KH GHJUHH RI RXU ORVV RI
)RU PRVW RI XV LW LV D ORQJ ZD\ WR WKH WRS RI WKH PRQDVWHU\ 6R ZH QHHG WR GHDO ZLWK ZKDW FRPHV XS QRZ QRW ZKDW PD\ RU PD\ QRW KDSSHQ ODWHU (YROXWLRQ RI FRQVFLRXVQHVV RI WKH PDVVHV LV VWLOO RQ WKH EDFN HQG RI WKH WLSSLQJ SRLQW EXW KRSHIXOO\ JHWWLQJ FORVHU 6R ZH DUH HPRWLRQDO
2FWREHU
www.first-step-community.info
EHLQJV ZKR QHHG WR DFFHSW SURFHVV DQG UHOHDVH LQ FRQVWUXFWLYH ZD\V ZKDW JRHV RQ IRU HDFK RQH RI XV SHUVRQDOO\ DQG FROOHFWLYHO\ 7KHQ ZKHQ UHDG\ WR PRYH DQG VKLIW ZH ZLOO VWHS WR WKH QH[W VWDJH QRW EHFDXVH VRPHRQH WROG XV WR
%HLQJ 5HDO DERXW *ULHI 6R LQ WKLV FRQWH[W , VXJJHVW ZH QHHG WR EH UHDO DERXW JULHI :H QHHG WR VXSSRUW SHRSOH E\ DOORZLQJ JULHI WR KDSSHQ EH H[SHULHQFHG DQG UHOHDVHG ,QVWHDG ZH RIWHQ ZDQW WR IL[ D SHUVRQ UHVFXH WKHP IURP WKHLU SDLQ DQG PDNH LW DOO EHWWHU :H FDQ¶W :H VLPSO\ FDQ¶W GR WKDW ,W LV SDUW RI ZKDW D SHUVRQ QHHGV WR JR WKURXJK 1RZ ZKDW , ZLOO VD\ LV WKDW WKHUH LV D GLIIHUHQFH LQ GHJUHH WLPLQJ &XOWXUDO H[SHFWDWLRQV DQG RWKHU RYHUOD\V PD\ SUHMXGLFH RXU WKLQNLQJ
7KHUH LV D GLIIHUHQFH EHWZHHQ ZDOORZLQJ DQG RYHUSOD\LQJ RXU JULHI DQG KRQRULQJ DQG H[SHULHQFLQJ LW ,Q WKH ILUVW LQVWDQFH ZH SOD\ WR WKH HJR DQG GHYHORS WKH YLFWLP DVSHFW RI RXU VHOI $V ZH IHHG WKH YLFWLP VR GR ZH IHHG RXU GHSHQGHQF\ RQ WKH JULHI LWVHOI :KHQ ZH DSSURDFK JULHI FRQVFLRXVO\ LQ DFFHSWDQFH ZH JLYH RXUVHOYHV SHUPLVVLRQ WR EH QDWXUDO ZLWK WKH IORZ WKDW IROORZV $V ZDYHV SDVV WKURXJK XV ZH FDQ DFNQRZOHGJH WKHP $V WKH\ HEE DQG IORZ ZH FDQ HQMR\ OLIH DJDLQ DW WLPHV DQG WKHQ EH SXOOHG EDFN LQWR WKH JULHI H[SHULHQFH 1HLWKHU EHLQJ SHUPDQHQW ZH DUH DOZD\V PRYLQJ ZKHQ LW FRPHV WR JULHI :H DUH QRW VWDWLF $V WKH ZDYHV VHWWOH GRZQ WR PRUH FRQVWDQW DQG FDOP ZDWHUV WKH JULHI LV LQWHJUDWHG LQWR RXU H[SHULHQFH :H GR QRW GLPLQLVK RXU H[SHULHQFH ZH ILQG QHZ SHUVSHFWLYH 0XFK OLNH D VFDU WKDW KHDOV RYHU D ZRXQG ZH DOZD\V ZLOO KDYH D UHPLQGHU ZLWKLQ LQ XV IRU RXU ORVV <HW RXU DWWDFKPHQW LGHQWLILFDWLRQ DQG UDZQHVV RI HPRWLRQ ZLOO HYHQWXDOO\ JLYH ZD\ WR REMHFWLYH VRPHWLPHV HPRWLRQDO VWRULHV RI D SDVW H[SHULHQFH WKDW WRXFKHG XV GHHSO\
:KDW ERWKHUV PH LV WKDW LQ WKLV ZRUOG ZKHUH ZH DUH DOO VXSSRVHG WR EH KDSS\ DOO WKH WLPH ZH GRQ¶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
+RQRULQJ QRW ZDOORZLQJ
%XW ZKDW D FRVW WR DOO RI XV IRU GRLQJ VR ± HVSHFLDOO\ WKH SHUVRQ JULHYLQJ :KHQ ZH DUH VRFLDOO\ GLVFRXUDJHG IURP RSHQLQJ XS DERXW ZKDW LV UHDOO\ KDSSHQLQJ LQ RXU OLIH ZH GHOD\ WKH KHDOLQJ SURFHVV DQG UHO\ RQ FORVH IDPLO\ IULHQGV ZKR DOVR PD\ EH VKDULQJ LQ WKH VDPH JULHI WKHPVHOYHV /DVWO\ ZH UHWUHDW WR RXU LQWHUQDO ZRUOG DQG VHHN VRODFH DQG FRPIRUW RQ RXU RZQ
2FWREHU
www.first-step-community.info
6R ZK\ DUH ZH VR DIUDLG WR WDON DERXW JULHI ORVV DQG WUDQVLWLRQ" +HUH DUH VRPH WKRXJKWV ± DQG DJDLQ WKHVH DUH P\ YLHZV Â&#x2021; :H GR QRW NQRZ KRZ WR WDON DERXW LW )RU WKH DYHUDJH SHUVRQ DV D GD\ WR GD\ RFFXUUHQFH ZH GR QRW KDYH WKH H[SHULHQFH RI VXFK FKDQJH HQRXJK WR GHYHORS WKH VNLOOV QDWXUDOO\ ,W LV FKDOOHQJLQJ IRU PDQ\ WR KDYH GLIILFXOW FRQYHUVDWLRQV DERXW DQ\ WRSLF OHW DORQH JULHI DQG ORVV ,I ZH VWDUW ZLWK WKH WRS RI GLIILFXOW FRQYHUVDWLRQV WKH FRQYHUVDWLRQDO OHDUQLQJ FXUYH PD\ EH WRR JUHDW :H ULVN PDNLQJ VRFLDO PLVWDNHV 6R IRU PDQ\ LW LV VDIHU DQG HDVLHU WR VLPSO\ QRW WDNH WKH ULVN 6WD\ TXLHW DQG VD\ WKH EDVLFV Â&#x2021; 2XU FXOWXUH PRGHOV EHKDYLRUV WKDW VKRZ XV QRW WR WDON DERXW VXFK VXEMHFWV )URP DQ HDUO\ DJH ZH VHH RWKHUV EHLQJ KXVK KXVK
Â&#x2021; $QRWKHU SHUVRQ¶V H[SHULHQFH FDQ WULJJHU LQ XV XQSURFHVVHG JULHI XQORFNLQJ D ZDYH RI HPRWLRQV $JDLQ WKLV PD\ QRW KDSSHQ
DQG TXLHW DERXW VXFK H[SHULHQFHV $V FKLOGUHQ ZH ZHUH RIWHQ H[FOXGHG IURP µDGXOW¶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
LPPHGLDWHO\ RU LQ WKH DFWXDO H[FKDQJH RI FRPPXQLFDWLRQ <HW WKH GHOD\HG HIIHFW FDQ OHDG WR D QRWLFLQJ D VHQVLQJ RI VRPHWKLQJ QRW EHLQJ ULJKW :H PD\ KDYH HPRWLRQDO RXWEXUVWV RU H[SHULHQFHV WKDW DUH QRW H[SHFWHG QRW UHOHYDQW WR WKH VLWXDWLRQ HWF 7KHVH DUH VLJQV WKDW VRPHWKLQJ HOVH LV JRLQJ RQ LQ XV 7KH JULHI RI DQRWKHU ZDNHV XS WKH XQJULHYHG SDUW RI RXU VXEFRQVFLRXV VHOI Â&#x2021; :H PD\ UHOLYH UH H[SHULHQFH HPRWLRQV DVVRFLDWHG ZLWK RXU RZQ SDVW JULHI 6LPLODU WR DERYH WKH HYHQW PD\ WULJJHU DQ HPRWLRQDO UHDFWLRQ LQ XV 7KH IHDU RU UHOXFWDQFH WR H[SHULHQFH VXFK GLVFRPIRUW FDQ PRWLYDWH XV WR DYRLG WKH FRQYHUVDWLRQ $V KXPDQ EHLQJV HVSHFLDOO\ ZKHUH ZH ODFN VXSSRUW DQG VSDFH WR H[SHULHQFH DOO HPRWLRQV ZH ZLOO VHOI SURWHFW E\ QRW JRLQJ LQWR FKDOOHQJLQJ HPRWLRQV
Â&#x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
Â&#x2021; +HDULQJ RI VRPHRQH¶V PLVIRUWXQH RU EDG QHZV VFDUHV XV RU VSRRNV XV 'UDZLQJ IURP VRPH FXOWXUDO LQIOXHQFHV DQG SHUKDSV VXSHUVWLWLRQV WR WDON DERXW GHDWK RU ORVV FDQ EH SHUFHLYHG DV EDG OXFN :KHWKHU WUXH RU QRW LI \RX EHOLHYH WKLV WKHQ WKH VXEMHFW ZLOO EH WDERR Â&#x2021; /LIH MXVW GRHVQ¶W KDYH D IHZ EXPSV LW KDV URDG EORFNV WRR :KHQ ZH KDYH OLWWOH ORVVHV RU FKDOOHQJHV LQ OLIH ZH FDQ DFNQRZOHGJH GHDO ZLWK WKHP DQG WKHQ JHW RQ ZLWK OLIH )RU H[DPSOH VRPHWKLQJ WULYLDO OLNH RXU GU\FOHDQLQJ ZDVQ¶W UHDG\ RQ WLPH ZRQ¶W EH D SUREOHP MXVW LQFRQYHQLHQW <HW ZKHQ D PDMRU FKDQJH FUHDWLQJ VLJQLILFDQW ORVV RFFXUV ZH FDQ KLW D ZDOO 2XU ZRUOG DV ZH RQFH NQHZ LW QR ORQJHU H[LVWV $ PDMRU UHIHUHQFH SRLQW LV JRQH DQ DQFKRU SXOOHG DZD\ 6R DV WKH JURXQG EHQHDWK XV VKDNHV OLNH DQ HDUWKTXDNH ZH VFUDPEOH WR VDIHW\ ,W WDNHV DZKLOH WR JHW EDFN WR µQRUPDOLW\¶ <HW ZKDW ZH RQFH QHZ DV µQRUPDOLW\¶ QR ORQJHU H[LVWV )URP QRZ RQ ZH DOZD\V KDYH WKH HDUWKTXDNH PHPRU\ H[SHULHQFH LQ RXU V\VWHP Â&#x2021; :H IHDU WDNLQJ RQ VRPHRQH HOVH¶V µEDJJDJH¶ :LWKRXW WKH
2FWREHU
www.first-step-community.info
H[SHULHQFH RU VNLOO ZH FDQ VRPHWLPHV EH WRR KHOSIXO WR RWKHUV ± HJ UHVFXH WKHP IURP WKHLU H[SHULHQFH WDNH FKDUJH RI KDQGOLQJ LVVXHV LQ WKHLU OLIH IRU WKHP 7KLV PD\ VHHP JRRG LQ FHUWDLQ FLUFXPVWDQFHV ± HJ HPHUJHQFLHV HWF \HW RYHU WKH ORQJ WHUP LW LV QRW KHDOWK\ IRU HLWKHU 6R LI ZH KDYH WULHG EHIRUH DQG JRWWHQ VWXFN LQ D GHSHQGHQW UHODWLRQVKLS EHFDXVH ZH WULHG WR KHOS ZH PD\ EH DYHUVH WR GRLQJ WKLV DJDLQ
:KHQ ZH DUH JRLQJ WKURXJK WRXJK ORVV JULHI LW KHOSV WR EH DEOH WR WXUQ WR RWKHUV ZLWK ZKRP ZH VKDUH D VHQVH RI FRPPXQLW\ KRZHYHU \RX GHILQH LW 6XFK D JURXS ZLOO RIWHQ KDYH OLNH PLQGHG SHRSOH ZKR ERWK XQGHUVWDQG XV EXW DOVR FDUH DERXW XV ,UUHVSHFWLYH RI \RXU HPRWLRQDO VWDWH SHRSOH ZKR UHDOO\ FDUH ZLOO VKRZ \RX WKDW WKH\ GR PDNH WKH HIIRUW 7KH\ ZLOO DOVR UHVSHFW \RXU ERXQGDULHV DQG OLVWHQ WR ZKDW \RX QHHG
*LYHQ DOO RI WKHVH SRVVLELOLWLHV LW LV DERYH DOO LPSRUWDQW WR QRW WDNH DQRWKHU SHUVRQ¶V LQDELOLW\ RU DSSDUHQW GLVLQWHUHVW DV D SHUVRQDO VOLJKW /LNHZLVH ZKHQ \RX PHHW VRPHRQH ZKR FDQ WUXO\ OLVWHQ WKHQ ZHOFRPH DQG DFFHSW WKHLU RIIHU
,I \RX DUH QRW JHWWLQJ VXFK VXSSRUW WKHQ PD\EH WKDW FRPPXQLW\ LV QRW DV FORVH RU FRQQHFWHG DV \RX WKRXJKW $OWHUQDWLYHO\ \RX PD\ DOVR KDYH VHQW PHVVDJHV WKDW \RX GRQ¶W QHHG RU ZDQW WKHLU VXSSRUW %H FDUHIXO RQ WKDW RQH 3HRSOH ZLOO XOWLPDWHO\ VXSSRUW \RX LQ D VHQVLWLYH ZD\ 3HUFHSWLRQ RI WKHLU VXSSRUW DV KHOSIXO RU QRW FDQ EH PDQDJHG ZLWK FRPPXQLFDWLRQ %HFDXVH WKH XQGHUO\LQJ IRXQGDWLRQ RI FRQQHFWLRQ DQG WUXVW DOUHDG\ H[LVWV \RX FDQ KDYH GHHSHU PRUH PHDQLQJIXO FRQYHUVDWLRQV 6XFK FRQYHUVDWLRQV DUH FDOOHG IRU LQ WKLV LQVWDQFH
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
6RPH SHRSOH VSULQJ LQWR DFWLRQ DV VXSSRUW LQ D YDULHW\ RI IRUPV WKDW KHOS VKRZ WKDW \RX PDWWHU ,Q WKH DEVHQFH RI D FRPPXQLW\ WKHQ WKHUH LV D YRLG D YDFFXP D SODFH ZKHUH QR RQH JRHV WR SLFN XS WKH SLHFHV
7KH RQHV WKDW XQGHUVWDQG VHUYH DQ LPSRUWDQW UROH LQ RXU SHUVRQDO QHWZRUN DQG RXU FRPPXQLW\
7KH SHRSOH \RX NQRZ PDWWHUV :KLOVW DERYH , VHW RXW WKH UHDVRQV IRU ZK\ ZH DUH DIUDLG WR WDON DERXW GHDWK ORVV JULHI HWF WKHUH DUH H[FHSWLRQV :KHWKHU \RX H[SHULHQFH WKHVH H[FHSWLRQV ZLOO GHSHQG RQ WKH FRPPXQLWLHV WR ZKLFK \RX EHORQJ WKH SHRSOH \RX NQRZ DQG WKH H[SHULHQFHV \RX KDYH KDG VR IDU LQ \RXU OLIH DURXQG WKLV WRSLF
:H KHDU WKDW SKUDVH LW¶V QRW ZKDW \RX NQRZ EXW ZKR \RX NQRZ :HOO LQ WKH FDVH RI KDQGOLQJ JULHI DQG JHWWLQJ VXSSRUW LW LV DERXW ZKDW ZKR \RX NQRZ NQRZV :KDW , PHDQ E\ WKLV LV WKDW ZKHQ \RX KDYH SHRSOH LQ \RXU QHWZRUN ZKR DUH WUDLQHG RU H[SHULHQFHG WR VXSSRUW SHRSOH JRLQJ WKURXJK FKDQJH JULHI WUDQVLWLRQ HWF LW LV RI JUHDW EHQHILW WR \RX 6XFK SHRSOH FDQ EH EDODQFHG DQG VXSSRUWLYH LQ WKHLU FRQYHUVDWLRQV ZLWK \RX 7KH\ DOVR FDQ KHOS FRQQHFW \RX ZLWK SHRSOH ZKR FDQ IXUWKHU VXSSRUW \RX
&RPPXQLWLHV PDNH D GLIIHUHQFH
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
5HRSHQLQJ XS WKH FKDQQHOV
2FWREHU
www.first-step-community.info
Â&#x2021; 8QILQLVKHG EXVLQHVV DQG ZKR KDV WR ILQLVK LW Â&#x2021; %UHDNLQJ GRZQ WKH EDUULHUV RI WDERR FRQYHUVDWLRQV Â&#x2021; 3HUVRQDO JULHYLQJ DQG \RXU ULJKWV WR JULHYH KRZ \RX ZDQW WR JULHYH Â&#x2021; :KHQ JULHYLQJ JRHV LQ WKH ZURQJ GLUHFWLRQ , PD\ RU PD\ QRW H[SORUH WKHVH WRSLFV RQOLQH (LWKHU ZD\ , LQFOXGH WKH VXEMHFWV DV D ZD\ WR RSHQ XS \RXU RZQ GLDORJXH DV ZHOO
:LWK P\ PRWKHU SDVVLQJ , IHHO OLNH , KDYH EHHQ NQRFNHG LQWR OLIH )RU VRPH WKLV PD\ VRXQG VWUDQJH <HW , KDYH QRZ ORVW P\ VHFRQG SDUHQW , KDYH IHOW WKH EORZ IURP ERWK VLGHV )RU WKRVH RI \RX ZKR KDYH DOVR H[SHULHQFHG VXFK ORVV WKHQ \RX NQRZ RI ZKDW , VSHDN :KDW , QRWLFHG D ORW VLQFH P\ PRWKHU GLHG LV KRZ PDQ\ SHRSOH ZDQW WR WDON DERXW WKHLU RZQ H[SHULHQFH $V VRRQ DV , PHQWLRQ P\ PRWKHU SDVVHG DZD\ , KHDU IURP SHRSOH WKHLU RZQ VWRU\ RI ORVV RU RI DQRWKHU SHUVRQ ZKR KDG D VLPLODU H[SHULHQFH :K\ LV WKLV" , WKLQN EHFDXVH DJDLQ ZH GRQ¶W WDON DERXW LW
,W¶V \RXU WXUQ
6R ZK\ DP , VKDULQJ DOO WKLV LQ D EORJ" :HOO , ZDQW WR VWDUW WKH FRQYHUVDWLRQ WR JHW \RX WKLQNLQJ RI KRZ \RX KDQGOH VXFK GLVFXVVLRQV H[SHULHQFH ± ERWK LQ \RXU OLIH DQG LQ WKH OLYHV RI RWKHUV
&RQVLGHU \RXU VWDWH RI PLQG HPRWLRQV HWF DW WKH PRPHQW :KDW LI DQ\WKLQJ KDYH \RX XQORFNHG RSHQHG XS E\ UHDGLQJ WKLV SRVW" 1RZ UHIOHFW DQG JR GHHSHU ZLWKLQ WR XQGHUVWDQG ZKDW QHHGV WR KDSSHQ IRU \RX *R IXUWKHU DQG DFWXDOO\ GLVFXVV \RXU LQVLJKWV DQG IHHOLQJV ZLWK VRPHRQH ZLWK ZKRP \RX IHHO FRPIRUWDEOH
,Q WKH ZDNH RI P\ PRWKHU SDVVLQJ , DP VWHSSLQJ LQWR QHZ OHYHOV RI UHIOHFWLRQ LQVLJKW DQG YLHZV , ZRXOG OLNH WR VKDUH ZLWK \RX PRUH DERXW WKLV DQG ZLOO GR VR LQ IXWXUH SRVWV DV DSSURSULDWH
, ORRN IRUZDUG WR FRQWLQXLQJ WKH FRQYHUVDWLRQ ZLWK \RX
,Q WKH HQG ZH DOO GLH ZH DOO KDYH ORVV ZH DOO JR WKURXJK PDMRU WUDQVLWLRQV WKDW SXOO WKH JURXQG IURP EHQHDWK RXU IHHW ,W LV VLPSO\ WKH RWKHU VLGH RI WKH FRLQ ,I ZH DUH QRW G\LQJ WKDQ ZH DUH OLYLQJ 6R WR H[SORUH WKH RWKHU VLGH RI WKH RSWLRQ WR PH LV WR VD\ VR WKHQ ZKDW DUH ZH GRLQJ DERXW OLYLQJ
/HW¶V JR WKHUH
-HQQ
6R LQ WKH VSLULW RI FKRRVLQJ WR PDNH WKH PRVW RI OLIH , DP HQWHULQJ LQWR D MRXUQH\ DERXW WKH H[SHULHQFH RI ORVV DQG FKDQJH DQG KRZ WKLV DIIHFWV XV DQG NLFNV XV LQWR QHZ VWDJHV RI RXU RZQ SHUVRQDO MRXUQH\ LQ OLIH
36 $ VSHFLDO WKDQN \RX WR P\ LPPHGLDWH IDPLO\ DQG WKRVH LQ P\ FLUFOH RI IULHQGV ZKR KDYH SURYLGHG VXSSRUW DQG UHVSHFWIXOO\ DOORZHG PH WR EH LQ P\ SHUVRQDO JULHYLQJ SURFHVV DV , IHOW DSSURSULDWH
6RPH DUHDV WKDW , ZDQW WR H[SORUH LQFOXGH Â&#x2021; :K\ WKLQJV GRQ¶W PDWWHU RQO\ H[SHULHQFHV IHHOLQJV DQG PRPHQWV GR
Â&#x2021; <RX FDQ¶W WDNH \RXU VWXII ZLWK \RX VR ZK\ GR \RX KDYH VR PXFK RI LW"
Regular Contributors Gihan Perera
www.gihanperera.info
Hugh Gyton
justaconversation-hugh.blogspot.com
Ian Berry
www.ianberry.au.com/ianberrysblog.html
Matt Church
www.thoughtleadersblog.com www.mattchurchblog.com
Glenn Capelli
glenncapelli.blogspot.com
Glenn Cardwell
glenn-glenncardwell.blogspot.com
Sharonne Phillips
sharonne-phillips.blogspot.com
Anne Riches
anneriches.blogspot.com
Matt Hern
financialfuturist.com
David Beard
lifelongfitness.net/blog
David Thomas
thinkglobalblog.blogspot.com
Ross Clennett
rossclennett.blogspot.com
Jenn Shallvey
feeds.feedburner.com/LetsGoThere
Peter Webb
www.peterwebb.com.au
Sue-maree McEnearney
hspotting.blogspot.com
Helen Macdonald
helenmacblog.blogspot.com
Steve Francis
www.stevefrancis.net.au
Ann Rolfe
www.mentoring-works.blogspot.com
Michael Harrison
www.michaelharrison.com.au