Time to RECALIBRATE!

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This is the time of year that’s perfect for what I call ‘Recalibrating Your Goals and Priorities’.

Now, let’s be clear, these are not New Year’s resolutions, not a wish list of things you would like to see happen with no real desire to do what it takes to make them happen.

Far from it. Recalibrating is all about sitting down and taking a good honest look at the Goals in your life and the paths you have chosen to get there.

Much like taking a cross country road trip to a place you’ve never been, you need to pull over once in a while and double check your roadmap to make sure that you are headed in the right direction and to verify that you will arrive when you intend to.

When you sit down to recalibrate your goals and priorities, you will look at your life’s roadmap and all the milestones along the way. Are you on target to graduate on time, to get that promotion you said you would get by a certain time or to get to retirement when you want with the size of retirement fund you need to live retirement comfortably?

This is the time to be very honest with yourself. There is absolutely no benefit to lying to yourself about your goals. You might as well not bother and keep heading in whatever direction you were heading and hope for the best. Remember though that HOPE IS NOT A STRATEGY and goals without a plan of action are just dreams, nice to have but only fulfilling while you’re asleep.

Chances are you have/had goals and you may have even written them down at some time. When we are young we write down our goals – want to become a ballerina, doctor, fireman or clown – but we never had the need to figure out how to make those things happen in our life. That’s because these were more our dreams, than actual goals. Most of us didn’t have anyone who said “Great, so you want to be a doctor. Let’s figure out exactly what you need to do to get there”. Most of us had a guidance counselor in school, whose job it was to help you map out your education achievement goals. But there is where it ends for most of us.

If you did manage to write out your goals, pull out that piece of paper and take a good hard look, but don’t be upset if you find that you have missed more than a few goals along the way. Things like school, jobs, marriage and kids are sure to have taken their toll on your teen or twenty-something goals list, especially if you didn’t create a roadmap on how to achieve your goals.

So let’s look at what recalibration should look like….

Let’s say you wanted to purchase your first home by the time you are 28 and that you wanted to save $25,000 toward your downpayment. Today you’re 29 and you only have $6,000 in the bank. Some would just throw their hands up and say “forget it, I can’t make this happen”. Another options is to recalibrate your goal. Figure out EXACTLY how much more money you could save by cutting down to buying just one coffee drink a day or by changing your Internet or or tv service provider. If you can save $10/day, that will help you save about $300 per month toward your goal. Now do some research on home loans. Things have changed drastically in the real estate market and you may find out that a starter home may only cost you $80,000 and you only need about 10-12%, or $8,000-$10,000, as a downpayment to make your dream of home ownership come true. You may now be able to turn this into a realistic short-term goal within the next 12 months. You would not have know that without recalibration and may have given up on that goal altogether.

You can see how this life review can really benefit you. Don’t wait any longer. Life is what happens while you’re waiting things to get better ….. Don’t run out of time!!

Resources: financial planners, banks, mortgage brokers, realtors

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12/11/2011 Football Update – InfoPrincess Style

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Congratulations to my Saints for pulling out a close one against the Titans.

Unfortunately my first loss of the day come at the hands of the the Detroit Lions who handed my Vikings their second loss in as many weeks. So much for my hopes of having an all-4-teams-win weekend

The Raiders experienced a heart wrenching, although not totally unexpected whopping with the final score of 46-16 after scoring a safety and another touchdown late in the game.

Almost time for my Cowboys to take on the New York Giants, who have come into Cowboy stadium to try and take my boys down. I think if we can keep our coach for sabotaging the team again, we have a great chance to beat Eli Manning and company. Details to follow!!

LATE GAME UPDATE ….

The Dallas Cowboys disappointed for the second week in a row. This weeks loss was heartbreaking and avoidable. The Cowboys had a two score lead late in the game and only needed to defend their score. I’ve heard of the Cowboys December curse – or meltdown. Well it is December isn’t it. So disappointed.

Football Sunday – InfoPrincess style

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One hour into this 14th week’s football activities, I’m getting the distinct feeling that this again will not be the elusive 4-wins weekend I have been waiting for all season.

The Saints, although off to a great start find their penalties have them in a 3-3 tie with the Titans while the Vikings are keeping up their undesirable lackluster plays that currently have them trailing the Detroit Lions 28-7 …. It’s going to be a long day!!!

The Raiders take on the unbeaten Green Bay Packers in their house and this evening will have my Dallas Cowboys hosting the New York Giants ….. Fingers are crossed boys, make me smile!

Updates to follow…..

Monday Football Update

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Monday update … Sigh!!! My Cowboys, where do I even start? Jason Garrett “stands behind his decisions” a decision which undisputedly cost the Cowboys a game they should have – and would have – won had it not been for his somewhat idiotic decision to call a timeout at the games most crucial moment, the moment when his kicker was kicking the game-winning field goal. We’ve all seen this tactic of course but it usually comes from the other teams coaching staff in order to rattle the kicker on the field. For Garrett to kill a field goal and rattle his OWN kicker makes me want to probie-slap him, especially when he declares he would do it again in the same situation. Really?

The one and only bright spot among my weekend’s football disappointments were the New Orleans Saints. Thank you Drew Brees and company. With a final score of 31-17 over the Detroit lions is was able to avoid the always dreaded O-for when none of my teams manage to pull out a single win. I really hate the O-for!!

Let’s put this week to rest and get ready for next week:

Dallas will host the New York Giants

The Vikings will venture into the Detroit Lions den

New Orleans will visit the Titans, and

The Raiders will brave the frozen tundra of Lambeau field

…… Prayers are in order!!! Until next week …

~InfoPrincess

Football Sunday – InfoPrincess Blog Notes

As a girl that doesn’t just love football but actually has not one but 4 teams she follows religiously I feel it only appropriate to chime in with my disappointments of the day.

First of all, what happened to the Raiders (#4 team)? How can you allow the ( 2 – 8 ) Miami Dolphins to score 34 unanswered points before waking up and figuring out there’s a game happening around you?? A little too much party in South Beach?? I keep wondering … What would Al Davis say to such a shameful display??

My Vikings (#3 team) on the other hand, despite losing to the Broncos in overtime, showed true grit this week. Although I’m still disappointed to lose Donovan McNabb as QB, the Vikings looked good against the Broncos, led by newcomer whirlwind Tim Tebow who seems to be unstoppable at the moment, taking his team to 6-1 under his leadership. Congratulations to my friend Sue who has been a Broncos fan since the early days of John Elway.

The Cowboys (#1 team) and the Saints (#2 team) are still coming up……. Comments to follow.

I cherish the one or two weekends a season when all 4 of my teams win. This season I have not yet experienced that pleasure. Listen up gentlemen, the InfoPrincess is looking for some cooperation from you. We are running out of time!!!