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April 2009 Newsletter

Lori's professional photo 2008 

Time and Money, and the lack thereof, are among the most talked about and worried about topics for most Americans.  Yet, compared to the rest of the world, we have an abundance of both.  We don't have to spend our day hauling water for miles in a bucket so we can drink a little of it and hope not to get sick from it.  We don't have to watch our children die from preventable diseases, because we are fortunate to have vaccines available.  Some of the poorest people monetarily are among the most joyful and carefree people.  Why is that?  I believe it starts with the attitude of gratitude.  Being grateful to be alive and to have a roof over your head (even if it is a thatched roof over a dirt floor), and to have a family, is enough for most of the world to feel and express gratitude.


As America rebuilds and gets back to basics, I thought you might enjoy this month's quotes.  Whether you are in it for the long haul like Pat Riley or Thomas Edison, or you love the thrill of the moment like Mario Andretti, you'll probably relate to one of the quotes in the right margin.



This month's experts offer

helpful tips on getting our lives in balance, both with time and money.  With limited resources we need to balance both the use of time and money to spend it wisely today, and reserve enough to protect us in the future.  Obviously this isn't a new concept, but one that bears repeating in today's economic climate.   


Wishing you all the best,



Lori T. Williams, Esq.

Your Legal Resource, PLLC




"We Connect the Right Client

With the Right Professional " (SM)


In This Issue

Article 1: 3 Tips Towards Achieving Work/Life Balance

Article 2: Tips For Achieving Financial Balance


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"Excellence is the gradual result of always wanting to do better."


Pat Riley (1945 - )

NBA Coach




"I never failed once.  It just happened to be a 2000 step process."


Thomas Edison (1847 - 1931) Inventor and entrepreneur





"If everything seems under control, you're just not going fast enough."


Mario Andretti

(1940 - )  Race Car Driver






"The U.S. Constitution doesn't guarantee happiness, only the pursuit of it. You have to catch up with it yourself."

Benjamin Franklin (1706-1790)
American statesman, scientist & printer


3 Tips Towards Achieving Work/Life Balance


By:  Joyce Weiss,  Certified Speaker and Facilitator 


      The demands on your time seem to never ease up. We're all struggling to make time for ourselves, maintain friendships, and keep the spark in our love lives.  
     How can you determine what you need to be happier and more productive?  Start with these 3 tips to achieve better balance in your life:


     Tip One: Schedule 'me' time.
     If it's important to you to do a thirty-minute workout three times a week, mark it with permanent marker on your calendar (or as an automatic alert in your electronic organizer!).  There will always be some 'more important' work projects that compete for your time, but you need to realize that your personal commitments are just as valuable.
     Tip Two: Realize a temporary lack of balance is acceptable.
     Sometimes, you may feel your life is out of balance. Sometimes it's worth it, like when you go back to school or take the time to care for a child or parent.  If the benefit is bigger than the drawback, then accept it - because you have a new important, temporary priority. In time, you can shift back to a better balance with a new sense of accomplishment.
     Tip Three: Recognize the signs of burnout.
     When life remains out of balance for an extended period of time, you can suffer from burnout. Are you as tired when you wake up as you were when you went to bed?  Do the little pleasures of life fail to satisfy you? Is your productivity waning? 
     Refresh yourself!  It could be something as simple as taking a weekend vacation ... or as major as changing careers. The first step is recognizing it, so you can put your life back in balance.
     Choose to reap the rewards of a balanced life today! Determine what your personal and professional needs are and decide if your work environment is meeting them. If it's not a match, then review these tips and make the necessary changes. When all the puzzle pieces of life fit together, you will be a better friend, parent, employee/employer ... and person. 

Joyce Weiss PhotoJoyce Weiss is a world renowned certified speaking professional and facilitator on employee performance and group dynamics. She's captivated countless listeners on radio talk shows, motivated more than 50,000 people in over 500 businesses, and written for hundreds of publications.  She's the author of Full Speed Ahead and Take the Ride of Your Life! Visit www.JoyceWeiss.com for professional growth tools and free reports on team synergy and work/life balance. 




                       By: Dave Moody, Mortgage and Financial Services Professional  


      Finding financial balance in today's economy requires more skill than it did 5 years ago, 3 years ago, or for many people, even yesterday. The economy is changing so rapidly that every day you hear or read about a big company filing for bankruptcy, laying off workers, or families facing foreclosure.  Every day on radio and television you hear or read about companies that will magically resolve your problems for you.  What should you do? Develop a financial plan for your family. Most of the families that do not have a plan often live paycheck to paycheck, or worse.
     The most successful people and families know exactly what their credit, income, and personal expenditures are. For everyone else, a detailed credit, income, and expense analysis cannot begin too soon.  The next step is to develop a plan. 
     Often, the best way to do develop a plan is with the help of a professional. As most first consultations are free, you should take advantage of their expertise.  To make the most of this consultation, please make sure to take as much personal income, credit, and debt information available with you.
     Choosing the right professional is also important.  A person with training in only one type of product or service will usually only be able to help you within that framework.  Someone who is trained in several areas can better speak to your overall situation.  Choose your advisors carefully and look for one with experience in dealing with as many aspects of your financial situation as possible.  This advisor should also be able to help you develop a plan for your credit, your debt, everyday expenses, emergencies, and how to save for your family's future.  


David Moody is the owner of CMS Financial Solutions, and previously owned Credit Mortgage Services.  Dave changed his business focus when more and more clients were in need of credit repair, debt counseling, and relief from foreclosure than they were in need of mortgages.  Dave received his Associates Degree from the University of Phoenix and has had additional training from Trans Union, Credit Plus, H & R Block, WI Academy, and the National Association of Credit Counselors.  Dave's business is located in Southgate, MI and his clients are located throughout Metro Detroit.  For more information, visit  www.cmsfinancialsolutions.net.




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