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2 " The day you start giving yourself priority and catering to your own needs first, that day everything will fall in place. Most of us were taught (or believed) that taking care of your own needs first is being selfish. Nothing can be farther from the truth. Unless you look after yourself first, how can you look after others? It has been proved beyond reasonable doubt that if you want to help others, you have to take care of your own needs first. No, you are not being selfish by doing that. Charity begins at home- in this case with your own self. You can feed others provided you have enough to eat. More often than not, you are misused if you are nice. You have to compromise many a time to suit needs of others. That way you are seconding yourself to someone else. Stop doing that. You have a right to your needs and a reasonable chance to fulfill them. Demarcate clear boundaries, draw very clear unambiguous lines and stick to them; your personal space should not be violated. If in your relationships you find that all your efforts are concentrated on pleasing others then it is high time you unshackled and freed yourself from their vice like grip or else you will sink into quicksand with no chance of survival. If people don’t like the new you and decide to walk out, don’t stop them, they were never meant to be in your circle. Good riddance. Believe me, you will feel relieved because a very heavy load would have been lifted from your chest. Surround yourself with like-minded people who care for you, respect your individuality, see your value and don’t cross the line. They are people you should stick to- because they are genuine. "

4 " I’M SORRY

I am developing a new board game. It’s called “I’m Sorry.” It’s also a form of “Self-Help Psychological Therapy!”

You take turns moving around the board like Monopoly. But if you land on a Yellow or Green “I’m Sorry Space”… you have to make a Phone call. Both green and yellow cards are labeled- the same with things like: Your Ex, Parental figure, friend, co-worker, boss, children, etc. You get the point…

If you land on the yellow space, the game stops, everyone gets quiet and you have to call that person up – on speakerphone. You apologize for something you’ve done in your past. Come on you know you are not perfect and you probably screwed up, hurt or disappointed everyone in your past at one time or another. So you call and you apologize. You explain what you did to them wrong if they forgive you, you move forward 10 places and everyone cheers! No forgiveness back- you move back to the beginning.

If you land on the green space- it’s similar. But you call the person up and you try to explain to them how, in someway, they hurt you in the past. If they apologize… cheers and you move forward 10 spaces. No apology… move backward ten spaces. They curse at you- game over.

In the original packaging of the yellow and green cards, are mixed in a set of “I’m Sorry Cards.” If you are lucky enough to get to pick up an “I’m Sorry Card,” it’s like a Get Out of Jail Free Card, and you don’t have to make the call.

The only catch is that the cards come hermetically sealed. After opening up the package, and the cards are exposed to air, all of the “I’m Sorry Cards,” magically turn into “Deal With it Cards!” And so, you really never get a free ride. In reality, every time you pick up a yellow or green card, you have to- Deal with It!

Of course you can always order a new factory set of sealed of “I’m Sorry Cards.” But they only last about 30 minutes and are very expensive, so you’ll have to play fast. Cute Game? Hey, don’t steal my idea!!! "

José N. Harris , Mi Vida

7 " Avoiding Chargebacks" Depending on the type of business, the frequency of charge backs will be higher for some businesses and more difficult to defend. Learning15 the proper way to handle a customer chargeback will help the owner and reduce the frequency. Having to pay charge backs can be very costly to the business owner resulting in losses. It could also be very discouraging to a new business owner knowing that he has to pay a penalty, as well as refund services rendered.It would be a good idea to be aware of the things about which your customers complain frequently and make it a goal to correct, improve, or remove it. It would be very unfortunate to learn of a damaging remark about your operation made on the Internet, rather than face- to- face.Make it a point to inquire of your customer whether he was dissatisfied. Make conversation with your customer and if the customer has a complaint, make every effort to resolve it as soon as possible. Charge backs could get very costly and sometimes settling the dispute with the customer could save you money. However, there will be times when the refund should not be given or attempts to settle this on the spot should not be made. The business owner will have to use his own judgment.Jesus counsels us to “Love your enemies, do good to them which hate you, Luke 6:27, (KJV).” No doubt some business owners will have difficulty doing this when the occasion arises, and some may have learned that this is the way to go. But, I encourage you to try this. As you do more and more business, you will find this to be a very necessary way for you to resolve conflicts in your business. It will be easier to do this than to resist, as Jesus said in Matthew 5:25 (KJV), “Agree with thine adversary quickly whilst thou art in the way with him.; lest at any time the adversary deliver thee to the judge, and the judge deliver thee to the officer, and thou be cast into prison.” Being cast into prison may be an extreme outcome, but we can avoid further conflicts if we would just humble ourselves and strive to resolve our conflicts. If it is any consolation, there are rewards for acting with love. Luke 6:35 says, “But love thee your enemies and do good and lend, hoping for nothing again; and your reward shall be great, and ye shall be the children of the Highest: for he is kind unto the unthankful and to the evil.” As one can see, business owners have a higher degree of responsibility because of the number of people with whom he/she interacts. "