What Are You Waiting For?

By Dr. Robert Anthony

Are You Putting Off Your Dreams? Or have things slowed down recently? Is your life visibly changing the way you want it to? Or are you still stuck with the same problems?


I woke up today thinking about three people who contacted me this week concerning the progress they were making reaching their goals. They each said the same thing in a different way.


Although they all made good progress in the beginning, they are now all stalled. It's very frustrating for me because I got myself caught up in their dreams. I imagined how their lives would be when they've completed the changes they needed to make. I can easily see the benefits they will gain such as a much larger income, more satisfying relationships and the pride of knowing that they are doing exactly what they always wanted to do – and earning a great living from it.


It's also frustrating for another reason. Although I can see the finish line, they are standing still. The frustrating part of all this is they have all the tools necessary to succeed, but now they are stuck. So why have they stopped?


I can't say I know the answer for each of them. I'm sure there are many reasons. But I suspect there is one cause in every case. They have come to the point where they have done everything they could comfortably do and now they have arrived at a place where they've never been before. Any new step forward, represents a step out of their comfort zone.


If you want to improve the results in your life, you have to accept the fact that you can no longer do the same old things the same old way.


Making a commitment to change your life is a big step. It usually occurs when something has happened to make you realize that you are unhappy with some aspect of your life. Often this event or circumstance will jolt you into deciding that the time has finally come to change your current situation.


The charge that you get from deciding to change your situation will keep you going through the early stages of your transformation. For example, it can energize and motivate you to read a book, take a course, and even go through all the details of setting up a business. All those preparatory activities are necessary and good – but they amount to nothing unless you are able to get your dream started. And getting your dream started -- actually kicking your dream into action -- is new territory. New means strange. And strange means uncomfortable.


Having been involved with a number of very effective training programs over the years, I've been disappointed by how many bright and ambitious students fail to finish their training. And of those who finish, less ten percent turn their hard-earned skills into substantial or measurable results.


Then weeks or months later they look at the courses or programs they have taken and wonder, as I'm doing about these three people now: "What happened?"


If you feel that you were off to a good start but are currently stalled, you need to admit to yourself that you have probably slipped back into your comfort zone. More than likely you have been deceiving yourself that you are making progress, but at the same time you are really not getting anywhere.


What you need to do is take action. Even if it is a very small action. Nothing you can tell yourself, nothing you can say to others, nothing you can think or feel or imagine is going to get you out of the mental bog you're mired in. The only thing that can rescue you is – to take that next step.


Maybe you know what that is. If you know exactly what it is, DO IT! If you don't know, or aren't sure, allow you intuition to guide you. Do whatever you feel compelled to do, but do it NOW to get yourself going again -- even if it means entering your discomfort zone.


I said earlier, I am disappointed by how many people start to change their lives and then stall. Many of these people are good at the initial study phase, but lose pace when it comes time to make those next steps, transitioning from knowledge to action.


On the other hand, I'm thinking now about many people who have succeeded . . . about the hundreds of unsolicited letters I receive from people who have taken my “Secret of Deliberate Creation” program and are now living the lives they dreamed about. All they did was just FOLLOW THROUGH until they got results. They just applied simple steps outlined in the program and the changes were almost magical.


What is your dream? To become a freelance artist / writer / consultant? To own your own business? To become financially independent . . . perhaps even wealthy? Don't put off the success you've always dreamed about.


Start NOW and give yourself the jolt you need to make that final change to move you from where you are to where you want to be.


HAPPY SELLING

http://robinson-land.blogspot.com/

Pag-IBIG lowers housing loan rates anew

VICE President and Chairman of the Housing and Urban Development Coordinating Council (HUDCC) and the Home Development Mutual Fund (Pag-IBIG Fund) Board of Trustees, today announced further adjustments to its end-user financing program, this time creating additional housing loan brackets with corresponding lower interest rates. The rate adjustments are aligned with the redefined housing packages set by the HUDCC.

The new Pag-IBIG housing loan interest rate structure retains the 6%-rate for loans up to P400,000, and 7% for loans over P400,000 up to P750,000.

Interest rates have been slashed from 10.5 percent to only 8.5% for loans over P750,000 up to P1 million, and to 9.5% for loans over P1 million to P1.25 million.

Meanwhile, interest for loans over P1.25 million to P2 million remains at 10.5%.

Along with the latest rate adjustment, the Pag-IBIG Board also approved the increase in maximum loanable amount to P3 million, at an interest rate of 11.5% per annum for loans starting at over P2 million.

De Castro said the latest amendments in the Pag-IBIG housing loan program are intended to make the program more affordable to members, especially workers in highly-urbanized areas whose housing needs often range from more than P750,000 up to 1 million. Likewise, with the Board’s approval of raising the loan ceiling to P3 million, Pag-IBIG will be able to meet the home financing needs of members belonging to the middle-income earners. “This should give Pag-IBIG members a wider range of choices in buying a house,” he said.

Over the last two years, the Fund has implemented significant improvements in its end-user financing program. In 2007, Pag-IBIG has reduced the interest rates for loans over P300,000 to P750,000 from 10.5% to 7%. Earlier this year, the socialized housing bracket was expanded to cover loans of up to P400,000.

With the new changes taking effect April 1, Pag-IBIG member-borrowers can look forward to more value for their money as well as savings especially at this time of economic difficulties. “The savings given the lower monthly amortizations should convince Pag-IBIG members that buying their own home is a more practical alternative to renting,” De Castro added.

Members who avail of a P1 million housing loan stand to save 15.94% per month with amortizations of only P7,689.13 (covering principal and interest) over a 30 year period, compared to P9,147.39 under the old rate of 10.5%.

Year-on-year figures show the Pag-IBIG Fund is able to maintain the growth in its housing loan takeout. From P4.59 billion, the Fund recorded a P5.83 billion total takeout from January to February of the current year, representing a 27% increase.

“The demand for housing, especially from the low and middle-income earners, continues to be strong despite the global financial crisis,” he said.

Following these amendments in the Pag-IBIG housing loan program, the Fund expects to maintain a steady growth in loans granted to members and attain its target of P43 billion takeout for 2009. “This will further sustain the housing sector by providing financing to home buyers at very attractive, affordable rates,” De Castro said. (end)