L me
Ideas and Insights from the First Step Member Community www.first-step-community.info 2nd May 2010
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.
0D\
7hinking Ahead www.first-step-community.info
6$/(6 68&&(66 )2580
LGHDV« HVSHFLDOO\ WKRVH WKDW PD\ EH DQ RSSRVLQJ YLHZ WR \RXU RZQ LV RQH ZD\ WR H[SDQG \RX ERXQGDULHV RI EHOLHI DQG XQGHUVWDQGLQJ ± \RXU PHQWDO SDUDGLJP RU WKH µVTXDUH ZLWKLQ ZKLFK \RX WKLQN¶
([SDQGLQJ 7KH %X\HU 3DUDGLJP 0$< $ 0
7KDW LV QRW WR VD\ WKDW ZH QHHG WR DFFHSW HYHU\ RSSRVLQJ YLHZ :KDW , DP VXJJHVWLQJ LV WKDW ZKHQ ZH KHDU RU H[SHULHQFH LQ DQ\ ZD\ IRU WKDW PDWWHU VRPHWKLQJ WKDW ZH GRQ¶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¶W GR WKDW E\ XV MXVW WHOOLQJ WKHP WKH\ QHHG WR EX\ IURP XV , YDOXH WKH RSLQLRQV RI RWKHUV 7KLV ZHHN , ZLOO EH PRUH RSHQ WR RSSRVLQJ YLHZV
2QFH DJDLQ LW LV LQ WKH TXHVWLRQV WKDW ZH DVN WKDW KHOS WKH FOLHQWV H[SDQG WKHLU ERXQGDULHV RI EHOLHI DQG XQGHUVWDQGLQJ ,W LV LQ WKH TXHVWLRQV WKDW ZH DVN WKDW UHYHDO WKH YDOXH WKDW ZH FDQ SURYLGH WKHP ,W LV LQ WKH
2YHU WKH \HDUV , KDYH DOZD\V VWUXJJOHG ZLWK WKLV FRQFHSW WKDW SHRSOH VHHP WR EH VR UHDG\ WR DFFHSW ± DQG WKDW LV WKDW ZH DOO QHHG WR WKLQN RXWVLGH WKH VTXDUH
TXHVWLRQV WKDW ZH DVN WKDW LJQLWH WKH SULQFLSOH RI GLVFRYHU\ OHDUQLQJ« ZKLFK LV WKDW SHRSOH DUH PRUH OLNHO\ WR WDNH DFWLRQ RQ WKDW ZKLFK WKH\ GLVFRYHU IRU WKHPVHOYHV WKDQ LI ZH MXVW WHOO WKHP
1RZ LQ SULQFLSOH , XQGHUVWDQG ZKDW WKLV PHDQV KRZHYHU ZKHQ , WKLQN DERXW WKLV SUDFWLFDOO\ , FDQ¶W VHH KRZ LW LV HYHU SRVVLEOH
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
, ZDV FRQGXFWLQJ RQH RI P\ VDOHV SURJUDPV WKH RWKHU GD\ DQG RQH RI WKH DXGLHQFH PHPEHUV VDLG YHU\ FOHYHUO\ ³:H GRQ¶W NQRZ ZKDW ZH GRQ¶W NQRZ ´ 0\ TXHVWLRQ WR \RX LV KRZ FDQ ZH SRVVLEOH WKLQN RXWVLGH RI WKDW ZKLFK ZH NQRZ , DP D IDQ RI WKH ZRUN RI -RHO %DUNHU ZKR WDONV D ORW DERXW RXU PHQWDO ERXQGDULHV RI EHOLHIV DQG WKRXJKWV« RXU PHQWDO SDUDGLJPV 0\ WDNH RQ KLV UHVHDUFK LV WKDW LW LV QRW SRVVLEOH IRU XV WR WKLQN RXWVLGH RI RXU RZQ PHQWDO ERXQGDULHV ZKDW ZH NQRZ EHOLHYH DQG XQGHUVWDQG $QG WKDW LQVWHDG RI XV EHLQJ DEOH WR EUHDN WKURXJK WKHVH ERXQGDULHV RI EHOLHI DQG WKRXJKW ZKDW ZH DFWXDOO\ GR LV WR H[SDQG WKHP
6R ZKLOH , DP SUDFWLFLQJ WKH DUW RI H[SDQGLQJ P\ RZQ PHQWDO SDUDGLJPV , DP DOVR FRQFHQWUDWLQJ RQ KHOSLQJ RWKHUV H[SDQG WKHLUV :KDW D SULYLOHJH /HW PH NQRZ \RXU WKRXJKWV
+RZ GR ZH GR WKDW" :HOO WKDW¶V WKH IRFXV RI WKLV ZHHN¶V DIILUPDWLRQ %\ EHLQJ RSHQ WR QHZ
0D\
www.first-step-community.info
*,+$1 3(5(5$
$ OHDGHU LQ WKH ZURQJ SRVLWLRQ FDQ GR GDPDJH WKH ZURQJ SODQW FDQ SRWHQWLDOO\ EHFRPH D ZHHG
³3ODQQLQJ LV JXHVVLQJ´ $35 3 0
%DG KDELWV IURP OHDGHUV UXE RII RQ WKHLU SHRSOH OLNH SHVWV DQG GLVHDVH PRYLQJ IURP SODQW WR SODQW
, ORYHG OLVWHQLQJ WR WKLV WDON E\ 'DYLG +HLQHPHLHU +DQVVRQ SDUWQHU DW VLJQDOV WR 6WDQIRUG 8QLYHUVLW\ VWXGHQWV
7KH ULJKW OHDGHUV SURYLGH VWDII ZLWK VKHOWHU IURP WKH RUJDQLVDWLRQDO HOHPHQWV OLNH D WUHH VKDGLQJ VPDOOHU SODQWV <RX QHHG WR UHPRYH WKH EDUULHUV WR KHOS OHDGHUV JURZ SODQWV JURZ EHWWHU ZKHQ \RX JLYH WKHP VSDFH
+HUH¶V ZKDW , WKLQN LV WKH EHVW ELW 6R \RX GRQ¶W KDYH WR ZDWFK LW DOO +H VD\V DOO SODQQLQJ LV JXHVVLQJ HVSHFLDOO\ ZKHQ VWDUWLQJ D QHZ YHQWXUH
6RPHWLPHV OHDGHUV RXWJURZ WKHLU UROH DQG QHHG WR PRYH RQ VRPHWLPHV SODQWV QHHG WR EH UHORFDWHG WR WKULYH
6XUH LI \RX¶UH ZRUNLQJ ZLWK ZHOO NQRZQ FRPPRGLW\ SURGXFWV DQG VHUYLFHV DQG \RX¶YH EHHQ LQ EXVLQHVV IRU D ZKLOH \RX FDQ PDNH SURMHFWLRQV DERXW VDOHV UHYHQXH FRVWV UHDFK DQG PDUNHW VKDUH %XW LI \RX¶UH GRLQJ VRPHWKLQJ QHZ DQG LW GRHVQ¶W KDYH WR EH D EUDQG QHZ
<RX DOZD\V QHHG WR EH FXOWLYDWLQJ QHZ OHDGHUV \RX QHHG SODQWV LQ DOO VWDJHV RI GHYHORSPHQW WR NHHS \RXU JDUGHQ KHDOWK\
EXVLQHVV LW PLJKW MXVW EH D QHZ SURGXFW RU VHUYLFH \RX¶YH JRW QR FOXH 6R GRQ¶W REVHVV RYHU \RXU EXVLQHVV SODQ LW¶V IDU EHWWHU WR JHW LW RXW WKHUH WR WKH PDUNHW
,I OHDGHUV DUHQ¶W JURZLQJ WKH\ DUH G\LQJ WKH ODZ RI QDWXUH HVSHFLDOO\ ZKHQ LW FRPHV WR SODQWV ,I \RX ZDQW WR OHDUQ PRUH DERXW HDFK DVSHFW RI P\ SKLORVRSK\ , KDYH ZULWWHQ D SDJH HERRN RQ WKH VXEMHFW 7R JHW \RXU IUHH FRS\ HPDLO PH DW NDUHQ#OHWVJURZ FRP DX RU VLJQ XS IRU P\ IUHH PRQWKO\ HPDLO QHZVOHWWHU ³*URZLQJ HQJDJLQJ OHDGHUV´ DW ZZZ OHWVJURZ FRP DX DQG \RX ZLOO DOVR JHW DFFHVV WR D UDQJH RI RWKHU IUHH UHVRXUFHV
6WHYH %ODQN VD\V WKH VDPH WKLQJ LQ KLV UHFHQW DUWLFOH 1R 3ODQ 6XUYLYHV )LUVW &RQWDFW :LWK &XVWRPHUV 2U DV , SXW LW 6WDUW EHIRUH \RX¶UH UHDG\
,¶G ORYH WR KHDU DERXW \RXU SKLORVRSK\ WRR 'RHV LW KDYH D WKHPH" &DQ \RX VXP LW XS LQ RQH VHQWHQFH" :KDW GRHV LW PHDQ WR \RX" +RZ GLG \RX GHYHORS LW"
127(6 )520 7+( :25.3/$&( *$5'(1
$ SRLQW ZRUNSODFH JDUGHQLQJ SKLORVRSK\
-867 $ &219(56$7,21
$35 $ 0
0LQH ,V %LJJHU 7KDQ <RXUV
*UHDW OHDGHUV WKURXJKRXW KLVWRU\ RIWHQ KDYH RQH WKLQJ LQ FRPPRQ WKH\ KDYH D SHUVRQDO SKLORVRSK\ WKDW JXLGHV DOO WKHLU DFWLRQV 7KHLU SKLORVRSK\ PD\ QRW EH RULJLQDO EXW WKDW¶V 2. :KDW¶V LPSRUWDQW LV WKDW WKH\ WUXO\ OLYH WKH SKLORVRSK\ UDWKHU WKDQ MXVW WDON DERXW LW
$35 $ 0 7KH RWKHU GD\ , ZDV GULYLQJ QXPHURXV FKLOGUHQ DURXQG DQG WKHLU FRQYHUVDWLRQ ZDV EDVLFDOO\ ELJ QRWLQJ WKHPVHOYHV ³,¶YH JRW PRUH WR\V WKDQ \RX D ELJJHU KRXVH ,¶P WDOOHU ,¶P IDVWHU´ HWF ,W ZDV UHDOO\ LUULWDWLQJ ,QLWLDOO\ , WXUQHG WKH UDGLR XS LQ DQ DWWHPSW WR GURZQ RXW WKH YHUEDO VSDUULQJ EXW WKDW VLPSO\ PHDQW WKH\ VKRXWHG DW HDFK RWKHU
+HUH LV P\ SKLORVRSK\ EDVHG RI FRXUVH RQ WKH LGHD WKDW D JUHDW OHDGHU LV OLNH D JUHDW JDUGHQHU ,W GHYHORSHG RYHU PDQ\ \HDUV DQG YLD PDQ\ SHUVRQDO H[SHULHQFHV $ ORW RI LW FDPH WR PH DV , ZDV WHQGLQJ WR P\ RZQ JDUGHQ DQG WKLQNLQJ DERXW WKH LVVXHV WKDW P\ FOLHQWV IDFH , OLNH WR WKLQN LW LV VWUDLJKWIRUZDUG ORJLFDO DQG SUDFWLFDO
6R , WXUQHG RII WKH UDGLR WRRN D GHHS EUHDWK DQG LQ D SRVVLEO\ RYHUO\ VWURQJ YRLFH DVNHG ³+RZ GR \RX WKLQN WKDW W\SH RI WDON PLJKW PDNH WKH RWKHU RQH IHHO" $UH \RX WU\LQJ WR PDNH HDFK RWKHU IHHO VDG"´ 6LOHQFH , UDUHO\ VKRXW DW WKH NLGV , WKLQN WKH\ ZHUH LQ VKRFN :H FRQWLQXHG RXU MRXUQH\ KRPH LQ VLOHQFH
<RX FDQ¶W KDYH HQJDJHG OHDGHUV LQ D SRRU FXOWXUH \RX FDQ¶W JURZ SODQWV LQ EDG VRLO :H SLFN SHRSOH IRU OHDGHUVKLS UROHV IRU WKH ZURQJ UHDVRQV ZURQJ SODQW LQ ZURQJ ORFDWLRQ VLPSO\ EHFDXVH ZH OLNH WKH ORRN RI LW
7KDW QLJKW ZKLOVW WU\LQJ WR ZLQG GRZQ IURP KDYLQJ TXDOLW\ WLPH ZLWK P\ FKLOGUHQ , MRLQHG P\ ZLIH ZKR KDG VWDUWHG ZDWFKLQJ D FRRNLQJ SURJUDP FDOOHG ³&RPH GLQH ZLWK PH ´ 7KH FRQFHSW RI WKH SURJUDP LV WKDW D JURXS RI ILYH SHRSOH WDNH WXUQV WR KRVW D WKUHH FRXUVH GLQQHU SDUW\ $W WKH HQG RI HDFK HYHQLQJ WKH JXHVWV YRWH RQ KRZ WKH HYHQLQJ ZHQW ,Q WKLV SDUWLFXODU HSLVRGH WKH KRVWHVV ZDV GHWHUPLQHG WKDW KHU JXHVWV ZRXOG
1HZ OHDGHUV QHHG DVVLVWDQFH DQG VXSSRUW SODQWV QHHG KHOS WR JHW HVWDEOLVKHG WRR
0D\
www.first-step-community.info
(PRWLRQDO )UHHGRP ,W¶V DYDLODEOH QRZ IURP KLV :HE VLWH *RRG OXFN
WKLQN VKH ZDV EHWWHU WKDQ DQ\RQH HOVH 6KH ERXJKW ULGLFXORXVO\ H[SHQVLYH ZLQH P\ ZLQH¶V EHWWHU WKDQ \RXUV DQG ZHQW WR H[WUHPH OHQJWKV LQ WKH NLWFKHQ WR VKRZ WKHP MXVW KRZ WDOHQWHG VKH ZDV ,¶P D EHWWHU FRRN WKDQ
ZLWK WKH ERRN VDOHV 6WHYH
\RX 7KLV PHDQW VDGO\ WKDW VKH UDUHO\ KDG WLPH WR VLW DQG MXVW EH ZLWK KHU JXHVWV $V WKH ZLQH IORZHG EHWZHHQ WKH JXHVWV VKH EHFDPH PRUH DQG PRUH UHPRWH IURP WKHP :KHQ VKH GLG ILQDOO\ VLW GRZQ LQ GHVSHUDWLRQ WR ZLQ WKHLU DSSURYDO VKH HQGHG XS PDNLQJ ULGLFXORXV LQWHUMHFWLRQV LQWR WKH FRQYHUVDWLRQ OLNH ³'RQ¶W \RX WKLQN P\ WDEOH VHWWLQJV DUH EHDXWLIXO"´ ZKLFK ZDV JUHHWHG E\ PXFK JLJJOLQJ IURP KHU UDWKHU LQHEULDWHG JXHVWV 7KLV VKRZ IXUWKHU GHPRQVWUDWHG WR PH WKDW ZKHQ RQH SHUVRQ DWWHPSWV WR EH VHHQ DV EHWWHU WKDQ WKH RWKHU WKH YHU\ RSSRVLWH FDQ RFFXU 2K DQG WKDW DGXOWV FDQ EH DV FKLOGLVK DV NLGV
*,+$1 3(5(5$
6HYHQ 7LSV IRU 0RUH (QJDJLQJ :HELQDUV $35 3 0 :HELQDUV DUH FHUWDLQO\ D KRW QHZ WHFKQRORJ\ DQG LI \RX¶UH D VSHDNHU WUDLQHU WKRXJKW OHDGHU RU RWKHU LQIRSUHQHXU WKH\ DUH D ³PXVW NQRZ´ VNLOO UDWKHU WKDQ D ³QLFH WR NQRZ´ VNLOO
6R WKH TXHVWLRQ LV 6KRXOG \RX EH WU\LQJ WR YLHZ \RXUVHOI DV EHWWHU LQ WKH ILUVW SODFH" *RRG FRQYHUVDWLRQ FRPHV IURP EDODQFH YLHZLQJ \RXUVHOI DV
8QIRUWXQDWHO\ PRVW SHRSOH DUHQ¶W XVLQJ WKHP \HW DQG HYHQ WKRVH ZKR DUH XVLQJ WKHP DUHQ¶W XVLQJ WKHP HIIHFWLYHO\ +HUH¶V D W\SLFDO FRPPHQW , VDZ RQ D EORJ DERXW H OHDUQLQJ DQG ZHELQDUV
HTXDO WR WKRVH DURXQG \RX 7KLQNLQJ \RX DUH VXSHULRU RU LQGHHG LQIHULRU WR WKH SHUVRQ \RX DUH WDONLQJ WR ZLOO XSVHW WKH EDODQFH RI WKH FRQYHUVDWLRQ DQG \RXU PHVVDJH LV ORVW 7KLQN DERXW WKH FRQYHUVDWLRQV \RX DUH KDYLQJ DW WKH PRPHQW DUH WKH\ EDODQFHG"
³:KLOH ,¶YH VHHQ GR]HQV RI LQVSLUDWLRQDO RU PRWLYDWLRQDO VSHHFKHV , FDQ KRQHVWO\ VD\ ,¶YH QHYHU DWWHQGHG D ZHELQDU WKDW ZDV DQ\WKLQJ EHWWHU WKDQ KR KXP +HFN ,¶G HYHQ VHWWOH IRU RQH WKDW PDGH PH IHHO OLNH LW ZDV WLPH ZHOO VSHQW ´
5HPHPEHU 6XFFHVV LV -XVW D FRQYHUVDWLRQ ZZZ MXVWDFRQYHUVDWLRQ FRP
6R ZK\ LV WKLV VXFK D SUREOHP" , WKLQN LW¶V EHFDXVH SUHVHQWHUV HYHQ H[SHULHQFHG SUHVHQWHUV GRQ¶W NQRZ KRZ WR DGDSW WKHLU SUHVHQWDWLRQV WR WKH ZHELQDU HQYLURQPHQW 6R KHUH DUH P\ WRS VHYHQ WLSV IRU PDNLQJ \RXU ZHELQDUV PRUH HQJDJLQJ DQG HIIHFWLYH
*,+$1 3(5(5$
6WHYH :HOOV ODXQFKHV KLV QHZ ERRN (QMR\LQJ (PRWLRQDO )UHHGRP
6ROYH WKHLU SUREOHPV 7KLV LV WKH PRVW LPSRUWDQW WLS , FDQ JLYH \RX ,W GRHVQ¶W PDWWHU LI \RX KDYH VFUDWFK\ DXGLR SRRU VOLGHV D VORZ ,QWHUQHW FRQQHFWLRQ RU DQ\WKLQJ HOVH ,I \RX NQRZ \RXU DXGLHQFH¶V TXHVWLRQV FKDOOHQJHV DQG SUREOHPV DQG \RX FDQ DQVZHU WKHP LQ WKH ZHELQDU \RX FDQ JHW DZD\ ZLWK DQ\WKLQJ 7KDW¶V QRW WR VD\ \RX VKRXOG IDLO DW RWKHU WKLQJV RI FRXUVH %XW VROYLQJ WKHLU SUREOHPV LV WKH PRVW HQJDJLQJ WKLQJ RI DOO DQG FRQYHUVHO\ HYHQ WKH VPRRWKHVW VOLFNHVW SUHVHQWDWLRQ ZLOO IDOO IODW LI \RX¶UH QRW DGGUHVVLQJ WKHLU SUREOHPV
$35 3 0 /DVW ZHHNHQG , DWWHQGHG D ERRN ODXQFK IURP RQH RI P\ FOLHQWV 6WHYH :HOOV RI ()7 'RZQ 8QGHU
*HW WKHP GRLQJ VRPHWKLQJ VRRQ $VN WKHP WR GR VRPHWKLQJ HDUO\ LQ \RXU SUHVHQWDWLRQ 7KLV IRUFHV WKHP WR WDNH QRWLFH LQYROYHV WKHP ULJKW IURP WKH VWDUW DQG GHPRQVWUDWHV WKDW WKLV LVQ¶W MXVW DQRWKHU ERULQJ SUHVHQWDWLRQ )RU H[DPSOH \RX FRXOG Â&#x2021; &RQGXFW DQ RQ OLQH SROO Â&#x2021; $VN WKHP WR GUDZ RU ZULWH VRPHWKLQJ RQ D EODQN VKHHW RI SDSHU Â&#x2021; /HDYH SDUW RI \RXU KDQGRXW EODQN DQG DVN WKHP WR ILOO LW LQ 'HVLJQ VRPHWKLQJ WKDW¶V HDV\ EXW HQJDJLQJ ,W GRHVQ¶W KDYH WR LQYROYH WKHP VKDULQJ DQ\WKLQJ SHUVRQDO LQ IDFW LW VKRXOGQ¶W EHFDXVH WKDW¶V WRR
6WHYH¶V QHZ ERRN FR DXWKRUHG ZLWK 'U 'DYLG /DNH LV WLWOHG (QMR\LQJ
0D\
www.first-step-community.info
HDUO\ LQ WKH SUHVHQWDWLRQ IRU WKHP WR VKDUH ZLWK RWKHUV EXW LW VKRXOG LQYROYH WKHP GRLQJ VRPHWKLQJ
6R EH VXUH \RX VWDUW RQ WLPH DQG HQG RQ WLPH 6XUH WHFKQRORJ\ SUREOHPV FDQ VRPHWLPHV GHOD\ \RX EXW LI \RX ORJ LQ HDUO\ DQG WHVW WKH WHFKQRORJ\ \RX ZRQ¶W EH GHOD\LQJ RWKHUV $QG WKHUH¶V UHDOO\ QR H[FXVH IRU \RX JXHVW SUHVHQWHUV LQWHUYLHZ JXHVWV DQG SDQHOOLVWV WR EH ODWH
6KLIW HQHUJ\ $V ZLWK DQ\ SUHVHQWDWLRQ GHVLJQ VHJPHQWV WKDW VKLIW WKH HQHUJ\ GXULQJ WKH ZHELQDU )RU H[DPSOH LQVWHDG RI MXVW VSHDNLQJ DQG VKRZLQJ VOLGHV \RX FRXOG
'HOLYHU JUHDW FRQWHQW <RX PLJKW KDYH KHDUG WKDW D SUHVHQWDWLRQ FDQ KDYH RQH RI IRXU SXUSRVHV 7R SHUVXDGH WR LQIRUP WR HGXFDWH RU WR LQVSLUH 0RVW ZHELQDUV IDOO LQWR WKH ³LQIRUP´ RU ³HGXFDWH´ FDWHJRU\ QRW ³SHUVXDGH´ RU ³LQVSLUH´ <RXU DWWHQGHHV DUH H[SHFWLQJ WR KDQJ XS DW WKH HQG ZLWK VRPH XVHIXO VNLOOV RU NQRZOHGJH <RX FDQ SHUVXDGH PRWLYDWH RU LQVSLUH WKHP DV ZHOO EXW GRQ¶W PDNH WKDW \RXU PDLQ DLP XQOHVV WKDW LV UHDOO\ FOHDU WR WKHP EHIRUH WKH\ UHJLVWHU IRU H[DPSOH \RX¶YH FOHDUO\ DGYHUWLVHG WKLV DV D VDOHV SURPRWLRQ
Â&#x2021; &RQGXFW RQ OLQH SROOV Â&#x2021; 6KRZ D YLGHR Â&#x2021; $VN WKHP WR ZULWH RU GUDZ WKLQJV Â&#x2021; 6WRS WDONLQJ IRU VHFRQGV RI ³UHIOHFWLRQ WLPH´
%H FOHDU LQ \RXU RZQ PLQG DERXW ZKDW \RX ZDQW \RXU DXGLHQFH WR OHDUQ GXULQJ WKH ZHELQDU DQG WHOO WKHP WKHVH REMHFWLYHV ULJKW DW WKH IURQW RI
Â&#x2021; 6KRZ D OLVW DQG DVN WKHP WR PHQWDOO\ SLFN WKHLU WRS SULRULWLHV
WKH ZHELQDU RU SHUKDSV HYHQ LQ WKH SURPRWLRQDO PDWHULDO Â&#x2021; $VN IRU OLYH TXHVWLRQV 6WDUW EHIRUH \RX¶UH UHDG\ Â&#x2021; $QVZHU TXHVWLRQV VHQW LQ DGYDQFH :HELQDUV FDQ EH XQVHWWOLQJ DQG QHUYH ZUDFNLQJ HYHQ IRU H[SHULHQFHG SUHVHQWHUV <RX FDQ¶W VHH \RXU DXGLHQFH \RX KDYH WR PDQDJH ORWV RI QHZ WHFKQRORJ\ DXGLHQFH PHPEHUV WKHPVHOYHV PLJKW EH VWUXJJOLQJ ZLWK WKH WHFKQRORJ\ DQG \RX GRQ¶W KDYH DV PXFK FRQWURO RYHU WKH ³URRP´
Â&#x2021; +DQG RYHU WR D JXHVW SUHVHQWHU Â&#x2021; $VN VRPHERG\ LQ WKH DXGLHQFH WR VKDUH D VWRU\ RU FDVH VWXG\ DVN IRU WKHLU SHUPLVVLRQ LQ DGYDQFH
7KH RQO\ VROXWLRQ WR WKLV LV SUDFWLFH <RX GRQ¶W KDYH WR WKURZ \RXUVHOI LQ DW WKH GHHS HQG EXW LI \RX¶UH QRW HYHQ ZLOOLQJ WR WU\ WKH VKDOORZ HQG \RX ZRQ¶W OHDUQ KRZ WR VZLP
Â&#x2021; 6ZLWFK IURP D VOLGH VKRZ WR D :HE SDJH RU VRPH RWKHU VRIWZDUH Â&#x2021; 8VH WKH ZHELQDU¶V ZKLWHERDUG IDFLOLW\ WR GUDZ \RXU GLDJUDPV GXULQJ WKH ZHELQDU UDWKHU WKDQ MXVW GLVSOD\LQJ D VOLGH VKRZLQJ WKH FRPSOHWHG GLDJUDP
'RQ¶W PDNH \RXU ILUVW ZHELQDUV KLJK ULVN HYHQWV 6WDUW ZLWK VPDOO JURXSV QRW ODUJH DXGLHQFHV 2IIHU QR FRVW ZHELQDUV ILUVW EHIRUH \RX VWDUW FKDUJLQJ PRQH\ *HW VRPHERG\ HOVH WR PDQDJH WKH WHFKQRORJ\ IRU \RX :ULWH D VFULSW IRU ZKDW \RX¶UH JRLQJ WR VD\
*HW FRPIRUWDEOH ZLWK WKH WHFKQRORJ\ -XVW DV WKHUH¶V QRWKLQJ ZRUVH WKDQ D SUHVHQWHU LQ D IDFH WR IDFH SUHVHQWDWLRQ VWUXJJOLQJ ZLWK 3RZHU3RLQW WKHUH¶V QRWKLQJ PRUH RII SXWWLQJ LQ D ZHELQDU WKDQ D SUHVHQWHU VWUXJJOLQJ ZLWK WKH WHFKQRORJ\ 8QIRUWXQDWHO\ WKLV KDSSHQV D ORW 6R JHW JRRG
'R ZKDWHYHU LW WDNHV :HELQDUV DUHQ¶W JRLQJ DZD\ DQG WKH\ DUH IDVW EHFRPLQJ D NH\ GHOLYHU\ PHWKRG IRU H[SHUWV WR FRQQHFW WKH ZRUOG ZLWK WKHLU PDWHULDO
<RX GRQ¶W KDYH WR PDVWHU DOO WKH WHFKQRORJ\ WKH ILUVW WLPH <RXU ILUVW ZHELQDU PLJKW EH MXVW D 3RZHU3RLQW SUHVHQWDWLRQ 7KH QH[W WLPH \RX PLJKW DGG LQWHUDFWLYH SROOV 7KH QH[W RQH PLJKW LQFOXGH VZLWFKLQJ WR D :HE EURZVHU RU RWKHU DSSOLFDWLRQ 7KHQ \RX FRXOG DGG D VHVVLRQ IRU
)LQG RXW PRUH
JURXS GLVFXVVLRQ $QG VR RQ 6WDUW DQG ILQLVK RQ WLPH 2QH RI WKH EHQHILWV RI ZHELQDUV LV WKDW WKH\ DUH YHU\ WLPH HIILFLHQW <RXU DXGLHQFH GRHVQ¶W KDYH WR VSHQG WLPH WUDYHOOLQJ WR D YHQXH EDWWOLQJ WUDIILF ILQGLQJ D SDUNLQJ VSRW KDQJLQJ DURXQG EHIRUH WKH HYHQW VWDUWV DQG GRLQJ LW DOO DJDLQ DW WKH HQG 7KH\ KDYH KLJK H[SHFWDWLRQV WKDW \RX¶OO UHVSHFW WKHLU WLPH HYHQ PRUH VR WKDQ LQ D IDFH WR IDFH SUHVHQWDWLRQ
0D\
www.first-step-community.info
OLVWHQ WR $QG OLVWHQ WR WKHP 7U\ 7HG :KHQ" $V RIWHQ DV \RX FDQ /LVWHQ IRU QXDQFHV DQG WXUQV RI SKUDVH WKDW SRZHUIXO VSHDNHUV XVH LQ WKHLU VSHHFKHV /LVWHQ IRU WKH FOXHV FOLHQWV JLYH \RX LQ \RXU PHHWLQJV /LVWHQ WR WKH YRLFH LQ \RXU KHDG DQG FKHFN WR VHH LW¶V QRW FKHDWLQJ \RX E\ WDNLQJ \RX DZD\ IURP WKH SUHVHQW :KDW" /LVWHQ ZLWK LQWHQW .QRZ ZKDW \RX¶UH OLVWHQLQJ IRU +DYH DQ RXWFRPH LQ PLQG 7KLV JRHV GRXEO\ VR IRU VSHDNLQJ $V IRU WKH LQWHJULW\ RI WKDW LQWHQW ,¶OO OHDYH WKDW WR \RX 3XW VLPSO\ HIIHFWLYH VSHDNLQJ VWDUWV ZLWK VPDUW OLVWHQLQJ 0DNH \RXU QH[W SUHVHQWDWLRQ D FRQYHUVDWLRQ 7KDQNV IRU UHDGLQJ 7R ILQG RXW PRUH DERXW XV FKHFN RXW RXU QHZ VLWH 2Q :HGQHVGD\ WK 0D\ ,¶OO EH UXQQLQJ D PLQXWH ZHELQDU ³7KH :HELQDU RQ :HELQDUV´ ,W FRYHUV QHDUO\ HYHU\WKLQJ \RX QHHG WR NQRZ DERXW WDNLQJ \RXU H[SHUW NQRZOHGJH WKH PDWHULDO \RX DOUHDG\ GHOLYHU GD\ LQ GD\ RXW DQG GHOLYHULQJ LW E\ ZHELQDU :KHWKHU \RX¶UH D QHZ LVK VSHDNHU ORRNLQJ WR HVWDEOLVK D IRRWKROG LQ WKH PDUNHW RU DQ ³ROG KDQG´ ORRNLQJ WR FXW GRZQ RQ WUDYHO DQG RWKHU H[SHQVHV , WKLQN \RX¶OO ILQG ZHELQDUV WR EH YHU\ SRZHUIXO
3(7(5 :(%%¶6 ³:,6'20 &,5&/(´
9DOH &KHULH $35 3 0
)LQG RXW PRUH DERXW WKH ZHELQDU KHUH
35(6(17$%,/,7<
SUHVHQWDELOLW\ $35 3 0 µ:KHQ SHRSOH WDON OLVWHQ FRPSOHWHO\ 0RVW SHRSOH QHYHU OLVWHQ¶ (UQHVW +HPLQJZD\ WK &HQWXU\ ZULWHU ,I \RX ZDQW WR VSHDN SXEOLFO\ ± LI \RX ZDQW WR LQIOXHQFH SHUVXDGH DQG HQJDJH SHRSOH ± OLVWHQLQJ LV RQH RI WKH EHVW VNLOOV \RX FDQ SUDFWLFH ,Q IDFW , WKLQN LW¶V DQ DUW 2QH WKDW FDQ EH KXJHO\ UHZDUGLQJ ERWK SHUVRQDOO\ DQG ILQDQFLDOO\
2XU GHDU IULHQG DQG FORVH QHLJKERXU IRU \HDUV &KHULH ³ORVW KHU EDWWOH ZLWK FDQFHU´ HDUO\ RQ $Q]DF 'D\ PRUQLQJ $W OHDVW WKDW¶V KRZ WKH QHZV ZLOO UHSRUW KHU SDVVLQJ %XW LI WKHUH ZDV D ³EDWWOH´ WKH FDQFHU ORVW 7KH VHQVHOHVVQHVV RI FDQFHU LV WKDW LW GHVWUR\V LWV KRVW &KHULH OLYHG KHU OLIH
:K\" <RX JLYH \RXUVHOI WKH RSSRUWXQLW\ WR VHH WKH RWKHU SHUVRQ¶V SRLQW RI YLHZ DQG ZLGHQ WKH DSHUWXUH RI \RXU ZRQ 3OXV WKH\¶OO IHHO YDOXHG
IXOO\ VHYHQ VWDUV DOO WKH ZD\ $QG VKH ZLOO EH JODGO\ UHPHPEHUHG E\
3OXV WKH\¶OO DSSUHFLDWH WKDW \RX OLVWHQHG 3OXV WKH\¶OO ZDQW WR GR EXVLQHVV ZLWK \RX
ZKROH FRPPXQLWLHV RI SHRSOH 1R RQH ZLOO UHPHPEHU WKH FDQFHU
+RZ" (PSW\ \RXU KHDG RI SUHFRQFHLYHG QRWLRQV DQG \RX PLJKW MXVW VHH RSSRUWXQLWLHV \RX QHYHU LPDJLQHG 7KLV LV QRW DV IOXII\ DV LW PLJKW VRXQG 2QH RI WKH ZHDOWKLHVW PHQ , NQRZ RI ± )HOL[ 'HQQLV RI 'HQQLV 3XEOLVKLQJ ± UHFRPPHQGV \RX HPSW\ \RXU KHDG EHIRUH DQ\ QHJRWLDWLRQ :KR" (YHU\RQH µZRUWK¶ OLVWHQLQJ WR <HV SUDFWLFH GLVFHUQLQJ OLVWHQLQJ $W HYHU\ JLYHQ RSSRUWXQLW\ FKRRVH SHRSOH \RX DGPLUH DQG UHVSHFW WR
0D\
www.first-step-community.info
5266 &/(11(77
,QWHJULW\ ZKDW LV LW" $35 3 0 7KH VSRUWV ORYLQJ IRON RI 0HOERXUQH KDYH EHHQ UHHOLQJ WKLV SDVW ZHHN ZLWK WKH UHYHODWLRQV WKDW RXU VROH WHDP LQ WKH $XVWUDOLDQ 1DWLRQDO 5XJE\ /HDJXH FRPSHWLWLRQ 0HOERXUQH 6WRUP KDYH EHHQ IRXQG WR KDYH FKHDWHG WKHLU ZD\ WR WZR SUHPLHUVKLSV LQ WKH SDVW WKUHH \HDUV 6\VWHPLF FKHDWLQJ RI WKH 6DODU\ &DS UXOHV HQDEOHG WKH 6WRUP WR UHFUXLW DQG UHWDLQ D JURXS RI WRS SOD\HUV WKDW ZRXOG KDYH RWKHUZLVH
0$77 &+85&+
<RX DUH VPDUWHU IDVWHU VWURQJHU EHWWHU WKDQ \RX WKLQN
$35 3 0
*,+$1 3(5(5$
7KLQNLQJ $KHDG -RXUQDO 9DQHVVD +DOO *LKDQ 3HUHUD .DUHQ 6FKPLGW $QGUHZ DQG 6XH 2¶%ULHQ 5RVV &OHQQHWW 0DWW &KXUFK
$ IULHQG RI PLQH UHFHQWO\ VKDUHG D VWRU\ DERXW D PRPHQW ZKHQ KH ZDV D FKLOG DQG ZDV IHHOLQJ YHU\ SURXG RI KLPVHOI +H UDQ RXW RI DQ H[DP WR VKDUH ZLWK KLV PRWKHU KRZ JUHDW KH IHOW DERXW WKH ZRUN KH¶G MXVW GRQH +LV PRWKHU TXLFNO\ WROG KLP WR WRQH LW GRZQ DQG H[SODLQHG WKDW LW LV ZURQJ WR WKLQN VR ZHOO RI \RXUVHOI &DQ \RX UHPHPEHU D VLPLODU VLWXDWLRQ ZKHUH \RX KDG WKRXJKW \RX¶G GRQH D JUHDW MRE
*,+$1 3(5(5$
$35 3 0
/RRN DW ZKDW¶V EHQHDWK WKH VXUIDFH $35 3 0 :KHQ \RX ILUVW VWDUW D QHZ ,QWHUQHW PDUNHWLQJ SURJUDP ZKHWKHU LW¶V ODXQFKLQJ D EORJ VWDUWLQJ D <RX7XEH YLGHR FKDQQHO ILQGLQJ DQG FRQWULEXWLQJ WR D UHOHYDQW RQ OLQH IRUXP RU VHQGLQJ D UHJXODU H PDLO QHZVOHWWHU LW PLJKW VHHP OLNH \RX¶UH SXWWLQJ LQ D ORW RI ZRUN IRU YHU\ OLWWOH UHWXUQ 'RQ¶W JLYH XS 7KLV WDNHV WLPH HVSHFLDOO\ QRZ ZKHQ ,QWHUQHW PDUNHWLQJ LV DERXW UHSXWDWLRQ QRW DGYHUWLVLQJ <RX FDQ¶W H[SHFW WR FUHDWH DQ RQ OLQH UHSXWDWLRQ RYHUQLJKW 7KHUH DUH RSSRUWXQLWLHV WKHUH WKH\ MXVW PLJKW WDNH VRPH WLPH WR VXUIDFH
(YHU\ ZHHN , FROOHFW WKH PRVW UHFHQW EORJ SRVWV IURP P\ FOLHQWV DQG PHPEHUV DOO OHDGLQJ WKLQNHUV DERXW EXVLQHVV DQG OLIH DQG DVVHPEOH WKHP LQWR WKH 7KLQNLQJ $KHDG MRXUQDO
, ZDV UHPLQGHG RI WKLV UHFHQWO\ ZKHQ , VDZ WKLV FRPLF IURP [NFG FRP
'RZQORDG WKH WK $SULO LVVXH KHUH :KDW¶V LQ LW
0D\
www.first-step-community.info
Â&#x2021; 7KH 7UXWK DERXW 7UXVW :K\ 0DUULDJHV )DLO
WKH FDVH RI YLWDPLQ ' LQVXIILFLHQW VXQOLJKW H[SRVXUH WKHQ QRW HQRXJK VNHOHWDO ERQH LV FUHDWHG GXULQJ RXU VFKRROGD\V 2XU ERQHV UHDFK SHDN PDVV E\ WKH DJH RI \HDUV DQG WKHUHDIWHU GHFOLQH 7KH UDWH RI WKH
Â&#x2021; *LKDQ 3HUHUD +RZ PXFK VKRXOG \RX FKDUJH DQG ZKR VKRXOG SD\"
GHFOLQH LV JUHDWO\ GDPSHQHG LI DGHTXDWH FDOFLXP LV FRQVXPHG \RX UHPDLQ DFWLYH GRQ¶W VPRNH DQG JHW DOO \RXU YLWDPLQ ' QHHGV WKURXJK GLHW RU VXQVKLQH
Â&#x2021; 1RWHV IURP WKH ZRUNSODFH JDUGHQ *HWWLQJ ULG RI ZHHGV Â&#x2021; *LKDQ 3HUHUD :H .QRZ :KHUH <RX $UH
&DOFLXP YLWDPLQ ' Â&#x2021; *LKDQ 3HUHUD 5HFRPPHQGDWLRQV 9LEH +RWHO DQG 3RUWVLGH &HQWUH
Â&#x2021; 7KRXJKW /HDGHUV %ORJ )RUFHG &RPPLWPHQW
<RXU UHFRPPHQGHG FDOFLXP DQG YLWDPLQ ' QHHGV LQFUHDVH DV \RX JHW ROGHU WR KHOS IRUHVWDOO WKH EULWWOH ERQHV RI RVWHRSRURVLV $ JUHDWHU FDOFLXP LQWDNH VORZV GRZQ WKH UDWH RI ERQH ORVV LQ WKH ODWHU GHFDGHV ZKLOH WKH NLGQH\V EHFRPH OHVV DEOH WR DFWLYDWH YLWDPLQ ' VR PRUH ' LV QHHGHG +LJK FDOFLXP IRRGV XVXDOO\ KDYH WKHLU FDOFLXP OHYHOV PHQWLRQHG RQ WKH ODEHO <RX QHHG DERXW PJ RI FDOFLXP D GD\ ZKHQ \RX DUH \RXWKIXO LQFUHDVLQJ WR PJ D GD\ ZKHQ \RX KHDG WR WKH UHWLUHPHQW YLOODJH
Â&#x2021; 5RVV &OHQQHWW 7KH FKDUDFWHULVWLFV RI JUHDW FOLHQWV
&DOFLXP ZKHUH DUW WKRX"
Â&#x2021; 0DWW &KXUFK 5HDOLW\ 5RFNV
<RX NQRZ DERXW PLON \RJXUW DQG FKHHVH 7KHUH LV QH[W WR QR FDOFLXP LQ EXWWHU GHVSLWH LW EHLQJ D GDLU\ IRRG &DOFLXP LV IRXQG LQ WKH µZDWHU\¶ SDUW RI PLON QRW WKH IDWW\ SDUW ZH FDOO EXWWHU 6RPH FDQQHG ILVK FDQ SURYLGH FDOFLXP SURYLGLQJ \RX HDW WKH VRIW ERQHV WKLQN RI VDUGLQHV SLOFKDUGV WXQD DQG VDOPRQ 'RQ¶W DVVXPH RWKHU µPLONV¶ OLNH VR\ DQG ULFH PLON KDYH FDOFLXP XQOHVV WKH\ VSHFLILFDOO\ VWDWH RQ WKH ODEHO WKDW WKH\ DUH FDOFLXP IRUWLILHG
Â&#x2021; &RXSOH RQ WKH 5XQ &KDOOHQJH 7KH FKDOOHQJH RI DJUHHG EHKDYLRXUV Â&#x2021; *LKDQ 3HUHUD -LP &DWKFDUW EHDPHG LQWR 16$$ E\ 6N\SH YLGHR
Â&#x2021; *LKDQ 3HUHUD 6L[ VWHSV IRU GHDOLQJ ZLWK D KRVWLOH RU LQGLIIHUHQW DXGLHQFH Â&#x2021; 7KRXJKW /HDGHUV %ORJ :KDW 'R 7KRXJKW /HDGHUV 5HDOO\ 'R²WHOO XV Â&#x2021; 7KH 7UXWK DERXW 7UXVW &DOOLQJ DOO VXFFHVVIXO EXVLQHVVZRPHQ ZKR
7KH OLVW EHORZ VKRZV \RX KRZ PDQ\ VHUYHV RI VHOHFWHG IRRGV \RX QHHG WR HDW WR JHW WKH VDPH DPRXQW RI FDOFLXP IRXQG LQ D VHUYH RI PLON RU \RJXUW
MXVW FDQ¶W JHW UHODWLRQVKLSV ULJKW
0LON \RJXUW J > VHUYH@ */(11 &$5':(//
&KHGGDU FKHHVH J > @
6NHOHWRQ LQ GHSRVLW
%URFFROL ò FXS > @
$35 3 0 %UXVVHO VSURXWV ò FXS > @ &DXOLIORZHU ò FXS > @ &DQQHG VDUGLQHV J > @ 6HVDPH VHHGV J > @ 6R\ PLON XQIRUWLILHG P/ > @ 6R\ PLON FDOFLXP IRUWLILHG P/ > @ $OPRQGV <RX PD\ UHFDOO WKDW $QQ\FD DVNHG DERXW WKH FDOFLXP LQ DOPRQGV $OWKRXJK , NQHZ WKHLU FDOFLXP FRQWHQW DERXW PJ LQ D J KDQGIXO , ZDVQ¶W VXUH KRZ PXFK ZDV OLNHO\ WR EH DEVRUEHG 7KDW WRRN D OLWWOH WUDFNLQJ GRZQ 7KDQNIXOO\ VXSHU GLHWLWLDQ +HOHQ 0DLU ZDV DEOH WR KHOS 6KH VD\V \RX ZRXOG QHHG WR HDW DERXW J RI DOPRQGV WR JHW WKH VDPH
$OWKRXJK RVWHRSRURVLV DSSHDUV ODWHU LQ OLIH WKH SURFHVV EHJLQV GXULQJ FKLOGKRRG ,I WKHUH LV QRW HQRXJK FDOFLXP DQG YLWDPLQ ' LQ WKH GLHW RU LQ
0D\
www.first-step-community.info
DPRXQW RI FDOFLXP DV IRXQG LQ D P/ JODVV RI PLON 7KDW¶V DERXW D FXS RI DOPRQGV
*/(11 &$5':(//
:KDW GRHV LW DOO PHDQ"
$35 3 0
:KDW D ZDVWH
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
/DVW ZHHN , ZDV DW WKH 3XEOLF +HDOWK $VVRFLDWLRQ RI $XVWUDOLD DQQXDO FRQIHUHQFH LQ &DQEHUUD , ZDQW WR WHOO \RX VRPHWKLQJ LQWHUHVWLQJ , IRXQG RXW
*/(11 &$5':(//
0DJQHVLXP DQG IDW DQG FDOFLXP $35 3 0
$P\ :KLWH D SRVWJUDGXDWH WHDFKLQJ IHOORZ DW %RQG 8QLYHUVLW\ LQ 4XHHQVODQG WROG XV WKDW DURXQG RI DOO EDQDQDV JURZQ DUH VLPSO\ GLVFDUGHG EDVLFDOO\ DW D ORVV WR WKH IDUPHU 7KH VDG SDUW LV WKDW IRXU RXW RI ILYH GLVFDUGHG EDQDQDV DUH SHUIHFWO\ HGLEOH DQG LGHDO IRU FRQVXPSWLRQ 6R ZK\ GR WKH\ JHW WKURZQ" ,Q WKLV JDPH \RX QHHG WR EH EHQW VWUDLJKW RQHV QHYHU JHW WR PDUNHW (YHQ VOLJKWO\ EHQW RQHV ZRQ¶W PDNH LW \RX QHHG WR EH SURSHUO\ EHQW EXW QRW WRR EHQW WKDW \RX KRUVHVKRH 1R BBGRXEOH SXSVBB WKRVH EDQDQDV WKDW DUH FRQMRLQHG WKH 6LDPHVH EDQDQD 1R PLQRU EOHPLVKHV RQ WKH VNLQ OLWWOH ELUWK PDUNV WKDW GRQ¶W DIIHFW WKH IOHVK 1R VLQJOH RU GRXEOH EDQDQDV HLWKHU %DQDQDV KDYH WR JR WR PDUNHW LQ KDQGV RI EDQDQDV <HW KRZ RIWHQ GR \RX RU RWKHUV JUDE MXVW RQH RU WZR EDQDQDV DW WKH VKRS"
-RKQ DVNHG LI PDJQHVLXP KDG WR EH SUHVHQW DV ZHOO IRU FDOFLXP WR EH DEVRUEHG :H NQRZ WKDW YLWDPLQ ' KHOSV FDOFLXP WR EH DEVRUEHG IURP \RXU IRRG , FKHFNHG WKH WH[WV DQG WKHUH ZDV QR PHQWLRQ RI PDJQHVLXP EHLQJ FULWLFDO IRU FDOFLXP DEVRUSWLRQ 6RPH VRXUFHV RI FDOFLXP DUH DOVR SUHWW\ JRRG IRU PDJQHVLXP WRR $ FXS RI UHGXFHG IDW PLON KDV DERXW PJ PDJQHVLXP DQG J RI \RJXUW KDV DURXQG PJ DERXW RI \RXU GDLO\ QHHGV
:KHQ QH[W \RX TXHVWLRQ WKH FRVW RI IUHVK SURGXFH MXVW WKLQN RI WKH DPRXQW WKDW JHWV ZDVWHG RQO\ EHFDXVH PDMRU VXSHUPDUNHW FKDLQV OD\ GRZQ WKH ODZ RQ ZKDW LV WKH ³SHUIHFW´ IUXLW RU YHJHWDEOH /LNH KXPDQV EDQDQDV FRPH LQ GLIIHUHQW VKDSHV DQG VNLQV LW¶V ZKDW¶V RQ WKH LQVLGH WKDW FRXQWV
+DQQDK DVNHG LI UHPRYLQJ IDW IURP PLON PDNLQJ LW VNLP PLON KDG DQ\ HIIHFW RQ FDOFLXP DEVRUSWLRQ +DG WR JHW WKH VQLIIHU GRJV RQWR WKDW RQH WRR 7KH ZRUG LV WKDW WKH IDW FRQWHQW GRHVQ¶W LQIOXHQFH WKH DPRXQW RI FDOFLXP DEVRUEHG IURP PLON 7KDW¶V JRRG QHZV EHFDXVH VNLP PLON JHQHUDOO\ KDV D KLJKHU FDOFLXP FRQWHQW DQG OHVV NLORMRXOHV FRPSDUHG WR IXOO FUHDP PLON
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
mentoring-works.blogspot.com
Michael Harrison
www.michaelharrison.com.au
Gary Ryan
garyryansblog.blogspot.com
Vanessa Hall
thetruthabouttrust.blogspot.com
David Penglase
salessuccessforum.com.au
Neil Mattingley
neilmattingley.com
Karen Schmidt
www.letsgrow.com.au
Sam Maxwell
www.sammaxwell.info
6XH DQG $QGUHZ 2Âś%ULHQ
www.coupleontherun.info
Michael Neaylon
presentability.wordpress.com
$QGUHZ 2Âś%ULHQ
www.andrewob.info