Billy Florence Team Building Info

Billy Florence - Save Now! Don't Wait Until You Have "Extra Cash"

It is important to have a savings plan. It is so easy to spend everything we make and not set aside money for savings. One of the greatest financial principles is taught in the book The Richest Man In Babylon. It teaches to "pay yourself first." Most people say they will start saving money when they start making more money or when they have some extra money to save. But for many this never happens because there is always some place to "spend" our money.

There was a great article that talked about saving for retirement at CNNMoney.com. One of the key points in the article was teaching to create an automatic savings plan. This way the money is automatically saved each month before we can spend it. This fits perfectly with the principle of "pay yourself first."

Read some of the highlights from the CNNMoney article:

Let me get right to the heart of the matter. You say that you plan to contribute more to your IRA when you "have extra cash on hand." Sorry, but that's not much of a game plan.

Truth is, very few of us ever have what we would consider "extra" cash. There's always something to buy, like say a new computer system we can't do without or the latest IMAX size LCD TV-home-theater extravaganza.
Here's a better way to think about it. Put your savings plan on automatic pilot. By this, I mean you should set up some sort of a system where money automatically goes into savings and investment accounts on a regular basis, preferably monthly.

By adopting an automatic approach, saving becomes much like any other obligation you have, like making a mortgage payment or paying for utilities. Which makes sense. After all, at its most fundamental level, building a nest egg is nothing more than setting aside some of what you earn today so that it will be there during retirement. In other words, you're paying today for you retirement tomorrow.

One last thing: as your paycheck grows, it's a good idea to boost the amount you invest as well. This way, your savings will keep pace with your expanding income, increasing the odds that you'll be able to retire without having to seriously ratchet back your lifestyle.

To read the complete article, go to:

http://money.cnn.com/2006/07/28/pf/expert/expert.moneymag/index.htm

© 2006-2007 Florence News reprint permission to Billy Florence Quixtar Inc. Info blog site.

Billy Florence - 7 Baby Steps for Great Finances by Dave Ramsey

I often share my belief that the best way to financial freedom is to build a business of your own. But I also believe in being smart in how you manage your money. Dave Ramsey has some great teaching on money management. Below are his 7 Baby Steps. I believe everyone should have a plan for what they do with their money.

Billy Florence: The 7 Baby Steps

$1,000 to start an Emergency Fund

Pay off all debt using the Debt Snowball

Three to six months of expenses in savings

Invest 15 percent of household income into Roth IRAs and pre-tax retirement

College funding for children

Pay off home early

Build wealth and give! Invest in mutual funds and real estate

Source: DaveRamsey.com

Billy Florence Finances On The Web:

http://billyflorence.blogharbor.com/blog/_archives/2006/3/2/1815930.html

http://billyflorence.blogharbor.com/blog/_archives/2006/5/20/1990193.html

About Billy Florence and Peggy Florence

Billy and Peggy Florence are members of IBOAI. The official trade association of Quixtar IBO’s serves and protects the business interests of independent business owners. Leadership team includes Greg Duncan, Don Wilson, Billy Florence, and Jody Victor.

Billy Florence leads Team Dream Chasers International (DC International) Organization. Billy Florence founded Equad News. It provides news, opinion, and motivational editorials.

Key words: Billy Florence, Jody Victor, Billy Florence leadership, Rich Florence, Peggy Florence

© 2007 Florence News reprint permission to Billy Florence Quixtar Inc. Info blog site.

Quixtar IBO Association - Service To Business Owners

Understanding the history of our IBO Association (IBOAI) gives confidence in the future of our business...

About the IBO Association: First the IBO Association was The American Way Association - then, with the formation of Amway, IBO Association became the Amway Distributors Association. As the business changed and Amway matured into Alticor, Amway, Quixtar, and their sister companies, so the Association matured – we became the IBOAI (Independent Business Owners Association International).

When entrepreneurs start businesses, they usually have no one but themselves looking after their own interests, but not Independent Business Owners (Quixtar IBOs).

The minute someone becomes an IBO he also becomes a member of the Independent Business Owners Association International (IBOAI) and gains the strength of an entire organization that exists solely to pursue his business interests. The IBOAI works tirelessly to improve all the factors influencing IBOs' businesses, minimizing their risks and maximizing their opportunities.

Specifically, the IBOA International (IBO Association) targets the areas where it can most improve IBO businesses.

“The official IBO Trade Association, IBOAI is dedicated to serving and protecting the interests of Quixtar powered Independent Business Owners (Quixtar IBOs) throughout North America,” says Jim Janz. Governed by a Board of Directors, the IBOAI:

Protects the best interests of IBOs and serves as an advocate in IBO issues.

Promotes and protects the integrity of the Independent Business Ownership Plan.

Ensures that the business opportunity today is as good or better for future generations.

Acts as an advisory group to Quixtar Inc. and Quixtar Canada Corp.

The 2007 IBOA Board of Directors Executive Committee includes Jim Janz, Chairman, Don Wilson, Vice Chairman, Bob Andrews, Brad Duncan, Kanti Gala, Randy Haugen, Bill Hawkins, and Kathy Victor. Governance and Oversight Committee includes Jody Victor and Billy Florence.

© 2007 Permission given to Billy Florence Quixtar Inc. Info site.

Billy Florence - 7 Habits of Highly Effective People

My friend Orrin Woodward loves the book, 7 Habits of Highly Effective People by Stephen Covey. It is a great book packed full of wisdom. It isn't just a short simple read. It is a book designed to help you create true success. It is based on solid success principles. I highly suggest that everyone read this book. Below are some great quotes from the book by Stephen Covey. - Billy Florence

Billy Florence - 7 Habits of Highly Effective People

"Once you have a clear picture of your priorities- that is values, goals, and high leverage activities- organize around them." - Dr. Stephen Covey

"Only after we can learn to forgive ourselves can we accept others as they are because we don't feel threatened by anything about them which is better than us." - Dr. Stephen Covey

"Actually I did not invent the seven habits, they are universal principles and most of what I wrote about is just common sense. I am embarrassed when people talk about the Covey Habits, and dislike the idea of being some sort of guru." - Dr. Stephen Covey

"In the last analysis, what we are communicates far more eloquently than anything we say or do." - Dr. Stephen Covey

© 2007 Florence News reprint permission to Billy Florence Quixtar, Inc. Info site.

Billy Florence - Your Best Life Now

I enjoyed reading Joel Osteen's best selling book, Your Best Life Now. It is a great read for anyone interested in personal growth and development. Obviously, it is written based on Christian principles since Joel Osteen is a pastor. I believe everyone will learn and grow from reading this book. You may not agree with everything but that is the case with most books you read. But there are so many great truths in the book that it can help you in your life.

Enjoy these great quotes by Joel Osteen:

"A good thing to remember is somebody's got it a lot worse than we do." - Joel Osteen

"A merry heart is good like a medicine." - Joel Osteen

"God didn't make a mistake when He made you. You need to see yourself as God sees you." - Joel Osteen

"I think Bible principles are principles for life." - Joel Osteen

© 2007 Florence News reprint permission to Billy Florence Quixtar Inc. Info site.

Ron Puryear: Creativity Given As Gift Can Multiply

I believe one of the keys to Ron Puryear's leadership success is his eagerness to listen to other people's ideas and learn from them...

Ron Puryear, “Creative thinking multiplies when shared with others.”

“You can’t use up creativity. The more you use, the more you have.” – Maya Angelou

About – Ron and Georgia Lee Puryear, World Wide Group, WWDB

Ron Puryear and Georgia Lee Puryear are members of IBOAI.

IBOAI is the official trade association for IBO’s powered by Quixtar, Inc. It serves and protects the business interests of independent business owners. Leadership includes Greg Duncan, Don Wilson, Billy Florence, Jody Victor.

Billy Florence leads Team DCI. Billy Florence owns Equad News. Fred Harteis owns Harties International.

Ron Puryear and Greg Duncan lead WWDB, World Wide Dream Builders.

Key words: Jody Victor Billy Florence, Fred Harteis, Greg Duncan, Ron Puryear, Don Wilson

© 2007 reprint permission to Bill Florence Quixtar Inc. Info site.

Billy Florence - Figure Out Why

We often talk about figuring out your "why" when we are working with business owners. Sometimes people are so focused on figuring out all the "how to" when they need to be more focused on figuring out their "why to." If we really know why we want to do something, we will figure out how to do it.

This quote says it perfectly...

“The person who knows ‘how’ will always have a job. The person who knows ‘why’ will always be his boss.” - Diane Ravitch

© 2006 Florence News reprint permission to Billy Florence Quixtar Inc. Info blog site.

Billy Florence - Leadership Thoughts

Here are some great leadership quotes that I wanted to share...

Billy Florence - Leadership Favorites

You do not lead by hitting people over the head - that's assault, not leadership. - Dwight D. Eisenhower

The only safe ship in a storm is leadership. - Faye Wattleton

Inventories can be managed, but people must be led. - H. Ross Perot

© 2006 Florence News reprint permission to Billy Florence Quixtar Inc. Info web site.

Quixtar's Colombo and Karen Disalvatore: First Things First

We all hear to focus on the important things in life. But we have to be willing to figure out the things we "won't" do in order to focus on the real important things. Whenever we make a decesion or set a new goal, we must decide what things we are going to give up in order to reach that goal. - Billy Florence

Colombo DiSalvatore, “Setting priorities wisely is a mark of a developing leader. This means setting priorities so majority of our time is spent on the percent of activities that deliver the greatest results toward our goal.”

DiSalvatore: Leadership Wit and Wisdom

“Being willing to give up some of the things you love in order to focus on what has the greatest impact isn’t an easy lesson to learn.” – J. Maxwell

Colombo DiSalvatore and Karen DiSalvatore are members of IBOAI

IBOAI, the official trade association of Quixtar Ibo’s, serves and protects the business interests of independent business owners. Association leadership includes Greg Duncan, Don Wilson, Billy Florence, Jody Victor.

About Quixtar Diamond ibo leadership: Billy Florence leads Team Dream Chasers (DCI) and owns Billy Florence’ Equad News. Fred Harteis owns Harteis International. Don Wilson leads legacy business group. Jody Victor is president of Markerman Productions.

Ron Puryear of WWDB and Greg Duncan lead the WWDB team, World Wide Dream Builders.

IBO resource words: Billy Florence, Fred Harteis, Greg Duncan, Don Wilson Randy Haugen, Colombo DiSalvatore

© 2006 Esource News reprint permission to Billy Florence Quixtar Inc. Info web blog

Dream Chasers Billy Florence: Attitude is Key

Your attitude is a huge key to your success.  These are great quotes on Attitude...

Billy Florence - Dream Chasers Team Favorites

“It is our attitude at the beginning of a difficult task which, more than anything else, will affect it’s successful outcome.” – William James

"Any fact facing us is not as important as our attitude toward it, for that determines our success or failure. The way you thing about a fact may defeat you before you ever do anything about it. You are overcome by the fact because you think you are." - Norman Vincent Peale

"Ability is what you're capable of doing. Motivation determines what you do. Attitude determines how well you do it." - Lou Holtz

About Billy Florence and Peggy Florence

Billy and Peggy Florence are members of IBOAI.  The official trade association of Quixtar IBO’s serves and protects the business interests of independent business owners.  Leadership team includes Greg Duncan, Don Wilson, Billy Florence, and Jody Victor.

Billy Florence leads Team Dream Chasers International (DC International) Organization.  Billy Florence founded Equad News.  It provides news, opinion, and motivational editorials.

Key words: Billy Florence, Jody Victor, Billy Florence leadership, Rich Florence, Peggy Florence

                        

© 2006 Florence News reprint permission to Billy Florence Quixtar Inc. Info blog.