PERSONAL PROSPERITY The Science of... The Science of Personal Prosperity.

PERSONALPROSPERI

TY

The Science of . . .

The Science of Personal Prosperity

Community

Intelligence

FinancialIntellige

nceHigh Impact

Motivators

CriticalInformati

on

More than

Ourselves

Behavioral

Intelligence

SPONTANEOUSACCUMULATION


SPONTANEOUSACCUMULATION

Spontaneous Accumulation

Internal Source Needs to be activated


Community

Intelligence

FinancialIntellige

nceHigh Impact

Motivators

CriticalInformati

on

More than

Ourselves

Behavioral

Intelligence


High Impact

Motivators

Behavioral

Intelligence

Behavioral Intelligence

Predictably Irrational

Early/Comprehensive Education – Doesn’t Work

Financial Advisors – Worse than Their ClientsFinancial Chaos – Worst Workplace ProblemEducation + Income + . . . = Bankruptcy

Education + Income = U.A.W.sInvestment Fraud – Financially Literate InvestorsWin Lottery – 85% Report Quality of Life DownPro Athletes – 72% Bankrupt within 2 YearsInherit – 85% of Wealth Gone By Second Generation

Single Objective Obsessions

89% of Divorces – Money

The High Impact MotivatorsMotivational ‘Stones’


http://www.pbs.org/wgbh/nova/body/mind-over-money.html

http://www.clevelandfed.org/research/workpaper/2008/wp0803.pdf

http://www.pbs.org/wgbh/nova/body/mind-over-money.html

http://www.clevelandfed.org/research/workpaper/2008/wp0803.pdf

Behavioral Intelligence

Spontaneous / Automatic SolutionsInspired by Expected Success

Pivotal Partner ParticipationCommunities of Shared CommitmentCompelling Examples of SuccessReal-time Coaching/MentoringThe ‘Quest’ Mentality

Setbacks are ‘Embryos of Solutions’ MentalityProactive Performance Tracking and Rewards

‘Vision’ Beyond YourselfCrucial Information Sources

Integration with Intrinsic Personal Values

The High Impact Motivators


Community

Intelligence

FinancialIntellige

nceHigh Impact

Motivators

More than

Ourselves

Behavioral

Intelligence

CriticalInformati

on


FinancialIntellige

nceCriticalInformati

on

Financial Intelligence




STRATEGIES THAT WORK

INFORMATION THAT EMPOWERS

POINT OF CHOICETM TARGET

THREE PRIMARY OBJECTIVES




Home Purchase401(k) Participation

Accelerated Debt Reduction Million Dollar Choices ™

Income Real EstateOwning Your Own Business

– Elder Ashton

MentorsMarriage




– Elder Ashton

MentorsMarriage

Staying Healthy







– Elder Ashton

MentorsMarriage

Staying Healthy




Optimism

What Doesn’t WorkHome Purchase Debt Consolidation Loans

Investment Life Insurance

The Quest for Higher than Expected Yields

401(k) Participation

Traditional Budgeting

Accelerated Debt Reduction

Million Dollar Choices ™

Income Real Estate

Owning Your Own BusinessRent-to-Own Purchase Contracts

Pay-day Loans – Tax Anticipation Loans

Two-Income HouseholdsMentors

Marriage

Staying HealthyTraditional Financial Planning Education

Financial Advisors – Success by Appearance

Economic Outpatient Care




Optimism


INSIGHTFUL SURPRISING

LYOBJECTIVEUSER FRIENDLYS.I.O.U.


CONTENT1 - Content is reliable, insightful, unbiased and rich

2 - Resource links are to reliable sites3 - Content provides answers to assigned topic questions4 - I would personally visit this site to purchase/research

5 - Content compared with similar web sites6 - The site interactively connects information to challenge

DESIGN7 - Links on the site work properly

8 - Web page organized so information is readily accessible to users9 - The site allows users to easily search within the website

CREDIBILITY

10 - The site has been honored by independent research/award groups11 - Contact information is provided

12 - The site states when the page was last updated

INFORMATION THAT EMPOWERS


www.mint.com

www.pricegrabber.com

www.consumersearch.com

www.zillow.com

www.powerpay.org

www.usa.gov

www.glassdoor.com

www.privacyrights.org

www.finance.cch.com



Price Range

Brand

Bowl Amount

Store

Speeds

Pulse Function


Financial Intelligencewww.destinationrx.com

www.gasforfree.com

www.creditkarma.com

www.billshrink.com

www.freeshipping.org

www.voyij.com

www.alternativeto.net

www.recipematcher.org

www.findabetterbank.com

www.rentometer.com

www.grooveshark.com

www.brightscope.com

www.whitefence.com

www.costhelper.comThe Science of Personal Prosperity

Financial IntelligenceDebt – you Owe it to YourselfTM

Driving YourFutureTM

The Wealth of Great HealthTM

Prosperous Menu Planning

Smarter HomeTM

Mortgage Expenses

Taxes – Personal and Business

Business Valuation

Expense Tracking

Saving and Investment Fees

Teenage Work Opportunities

Scholarships/Financial Aid

FICO Score Management

InsuranceThe Science of Personal Prosperity

SMART PHONE TECHNOLOGY




POINT OF CHOICETM TARGET

Community

Intelligence

FinancialIntellige

nceHigh Impact

Motivators

More than

Ourselves

Behavioral

Intelligence

CriticalInformati

on


Community

Intelligence

More than

Ourselves


Community Intelligence


Community Intelligence

Who do you choose to:

. . . listen to. . . trust. . . follow

. . . select as professional partners

. . . select as a marriage partner. . . select as friends

. . . serve

. . . be neighbors with

. . . network professional prosperity. . . target as clients

. . . work with

. . . form internet communities with

A Flash of Creative Genius

SpiritualIntellige

nce… after all

we can do

Spiritual Intelligence

II Nephi 25:23



11 Therefore, be ye as wise as serpents and yet without sin; and I will order all things for your good, as fast as ye are able to receive them. Amen. Doctrine and Covenants 111:5-11

order all things

THE gift is the path – not a destination



THE gift is the path – not a destinationAuthority to lead and multiply for others

17And he said unto him, Well, thou good servant: because thou hast been faithful in a very little,

Luke 19:17

have thou authority over ten cities.




Everlasting Values

41 But if ye will nourish the word, yea, nourish the tree as it beginneth to grow, by your faith with great diligence, and with patience, looking forward to the fruit thereof, it shall take root; and behold it shall be a tree springing up unto everlasting life. Alma 32:41

everlasting life




Everlasting ValuesCycle of Prosperity

chasten his people

2 Yea, and we may see at the very time when he doth prosper his people, yea, in the increase of their fields, their flocks and their herds, and in gold, and in silver, and in all manner of precious things of every kind and art; sparing their lives, and delivering them out of the hands of their enemies; softening the hearts of their enemies that they should not declare wars against them; yea, and in fine, doing all things for the welfare and happiness of his people; yea, then is the time that they do harden their hearts, and do forget the Lord their God, and do trample under their feet the Holy One—yea, and this because of their ease, and their exceedingly great prosperity.3 And thus we see that except the Lord doth chasten his people with many afflictions, yea, except he doth visit them with death and with terror, and with famine and with all manner of pestilence, they will not remember him. Helaman 12:2-3





Communities of Prosperity

interest of his neighbor19Every man seeking the interest of his neighbor, and doing all things with an eye single to the glory of God.

Doctrine and Covenants 82:196 For if ye are not equal in earthly things ye

cannot be equal in obtaining heavenly things;

Doctrine and Covenants 78:6



Debt is not prosperity




78 And again, verily I say unto you, concerning your debts—behold it is my will that you shall pay all your debts. Doctrine 104:78

pay all your debts



Debt is not prosperityBig Chunk Strategies




wisdom and order27 And see that all these things are done in wisdom and order; for it is not requisite that a man should run faster than he has strength. And again, it is expedient that he should be diligent, that thereby he might win the prize; therefore, all things must be done in order. Mosiah 4:27




‘Get Rich Quick’ Brings Poverty




hasteth to be rich22 He that hasteth to be rich hath an evil eye, and considereth not that poverty shall come upon him. Proverbs 28:22




‘Get Rich Quick’ Brings Poverty




32And they who remain shall also be quickened; nevertheless, they shall return again to their own place, to enjoy that which they are willing to receive, because they were not willing to enjoy that which they might have received.

36All kingdoms have a law given;

Doctrine and Covenants 88:32, 36

law given

Abide the Law



No matter our financial circumstances, we want to improve them. This, too, is good if it is not carried to an extreme. I am satisfied that the Father of us all does not wish His children to walk in poverty. He wants them to

I commend to you the virtues of thrift and industry. In doing so, I do not wish you to be a "tightwad," if you will pardon that expression, or to be a freeloader, or anything of the kind. But it is the labor and the thrift of people that make a nation strong. It is work and thrift that make the family independent.”

It is when greed takes over, when we covet that which others have, that our affliction begins. And it can be a very sore and painful affliction.

have comforts and some of the good things of the earth. In the Old Testament, He speaks of "a land flowing with milk and honey," of the fatlings of the flock , and of other things which indicate that He would have His children properly fed and clothed and sheltered, enjoying the comforts that come of the earth, but not to excess.

President Gordon B. Hinckley

No matter our financial circumstances, we want to improve them. This, too, is good if it is not carried to an extreme. I am satisfied that the Father of us all does not wish His children to walk in poverty. He wants them to have comforts and some of the good things of the earth. In the Old Testament, He speaks of "a land flowing with milk and honey," of the fatlings of the flock, and of other things which indicate that He would have His children properly fed and clothed and sheltered, enjoying the comforts that come of the earth, but not to excess.

I commend to you the virtues of thrift and industry. In doing so, I do not wish you to be a "tightwad," if you will pardon that expression, or to be a freeloader, or anything of the kind. But it is the labor and the thrift of people that make a nation strong. It is work and thrift that make the family independent."

President Gordon B. Hinckley

It is when greed takes over, when we covet that which others have, that our affliction begins. And it can be a very sore and painful affliction.

Listen and Connect –

Worship and Pray

1. Listen and Connect – Worship and Pray

Worship God:32:9 More Than Once

Each WeekPray For:34 Heading: Pray for Spiritual and Temporal Blessings

34:24 Cry Over CropsThat we may prosper in them

32:23 Imparteth his word by angels to women and children

Personal Responsibility


2. Personal Responsibility

32:13 Repent -

Inspired change32:20 Work – Will bring the

blessings32:27 Experiment on the word34:53 Do not procrastinate

Inspiration Model



3. Inspiration Model

- Desire to believe- Hope- Faith- Knowledge

Answers not all at once

D&C 52:14 - A pattern in all things

- Perfect Knowledge

32:36 - Ye cannot know of a surety at firstD&C 111:11 - order blessings as fast as you are able

The Atonement of Christ



3. Inspiration Model4. Atonement fills our

gaps . . . after all we can do

II Nephi 25:23

Pray for and serve others




gaps5. Pray for and serve

others Pray for the welfare

of those around you

Alma 34:27If ye are not charitable

ye are as drossAlma 34:29

Be Gratefulfor what is

already yours





others6. Be Grateful . . . that ye live

in thanksgiving daily

Alma 34:38

The Complete Plan





others6. Be Grateful7. The Complete Plan

- Needs- Wants

They did minister unto them according to their wants – Alma 35:9- ToolsThey did give unto them lands for their inheritance Alma 35:9

Luke 19Multiply Resources

Zaccaeus … a man that is a sinner … “I give half of my goods to the poor” … Taken anything by false accusation – I return

four fold … Jesus to Zaccaeus – this day is salvation

come to this house Nobleman and ten servants who he gave

ten pounds … The first gained ten pounds – Well done thou

good and faithful servant – have thou authority over ten cities

… The second gained five pounds – Be thou also five cities

… Another laid his pound in a napkin for “I feared” – who gavest thou my money into the bank

D&C 104:78-80Pay Your Debts

It is my will that you shall pay all your debts

THE CHALLENGE … your diligence … humility … prayer of faith

THE PROMISE … will soften the hearts of those to whom

you are in debt … shall send means unto you for your

deliverance … will give you the victory

THIS ONCE

- Obtain this blessing by:

- I:

- I will deliver you out of bondage

Helaman 12:2-3 … when he doth prosper his

people In the increase

Of their fields Their flocks and their herds In gold, and in silver In all manner of precious things of

every kind and art Sparing their lives Delivering them from their

enemies Softening the hearts of their

enemies Doing all things for the welfare

and happiness of his people

Stage 1

… then is the time They do harden their hearts Do forget the Lord their God Trample under their feet the Holy

One Yea, and this because of their

ease, and their exceedingly great prosperity

… except the Lord doth Chasten his people with many

afflictions Doth visit them with death and

with terror, and with famine and with all manner of pestilence

… They will not remember him

Stage 2

Stage 3

Helaman 12:2-3

D&C 70:7

… inasmuch as they receive more than their NECESSITIES and their WANTS

… it shall be given into my storehouse

Brigham Young – “I had never seen so many cows you could not milk, horses you could not ride and land upon which you could never plant”

To the Storehouse

- We Give Our

EXCESS

Diligence – Haste - Discipline Proverbs 10:4

The hand of the diligent maketh rich D&C 64:33

Be not weary in well doing Laying a foundation of a great work Out of small things proceedeth that

which is great Proverbs 28:22

He who hasteth to be rich: Hath an evil eye Considereth not that poverty shall come

upon him

Diligence – Haste - Discipline

D&C 111:11THE CHALLENGE Be wise as serpents And yet without sinTHE PROMISE I’ll ORDER the blessings in your

behalf AS FAST as

- Gain and utilize knowledge- Be obedient

ye ARE ABLE to receive them

The ‘Others’ in Prosperity

Jacob 2:17 Think of your brethren like unto

yourselves That they man be rich like unto you

D&C 78:6 If ye are not equal in earthly things Ye cannot be equal in obtaining heavenly

things Alma 34:27

Cry unto the Lord . . . For the welfare of others

D&C 82:19 You are to be equal . . . Every man according to his wants and

needs . . . Inasmuch as his needs are just Every man seeking the interest of his

neighbor

‘Surprise’ Success Sources

Enhance Wealth

Three interesting (surprising) things that enhance the

probability of building wealth1. Marriage


Enhance Wealth


probability of building wealth1. Marriage2. Health



3. Optimistic vision of the futureThree interesting (surprising)

things that are not great predictors of wealth accumulation

1. Intelligence2. Education3. Income


Enhance Wealth


probability of building wealth1. Marriage2. Health


SpiritualIntellige

nce

FinancialIntellige

nceHigh Impact

Motivators

CriticalInformati

on

More than

Ourselves

Behavioral

Intelligence


Spiritual IntelligenceMore Than Ourselves

SpiritualIntellige

nceMore

thanOurselve

sThe Science of Personal Prosperity


Inspired

Prosperity

Inspired Prosperity



Inspired ProsperityTEST




The probability of prosperity is enhanced through prayer and obedienceNot Guaranteed

Inspired prosperity requires meaningful preparation for famine

The most prosperous is the one who finds the greatest joy in the simplest things

The Lord’s prosperity is a process. Rarely is it a single event.




The ‘paradox of prosperity’ is:• a cycle that requires calamitous reminders to

help us remember• appreciated through contrasts• is at maximum value when it is shared with

others• it is not limited to ‘obedient’ saints




The Seven Deadly Sins

PAWSLEG

ridevaricerath

The Seven Great Joys

lothust

rosperityachievementorkervice

luttony

nvy

PAWSLEG

/ Charity

/ Givingove / Relationships /

Familyratitude

nlightenment




Alma 32

Faith

Prosperity

Alma 16 Prosperous Prerequisites


PERSONAL PROSPERITY The Science of... The Science of Personal Prosperity.

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