Steve the Owl's Blog

Hi, everyone. Lately, I’ve been thinking about quotas and compensation packages in the world of business and work. I thought about this as someone who straddles the line between the workaday world and the business world. At my labor job, when I started, the primary purpose of our work was a letter-writing campaign, but then it changed to a fundraising campaign. (The job always involves membership drives.) There are nightly quotas, and bonuses if you exceed the quota, but the bonuses are bigger if you get a larger number of total donors.

What You Reward Will Be Done

One of the big things that any field manager, or anyone who trains people who are fundraising or trying to start business, tells people that they won’t have any success at all if they talk to people in a state of desperation, and they say that people can tell that you are desperate and that completely turns them off. However, people also know that they will get fired or laid off if they don’t meet their fundraising totals. I don’t care who you are, but someone has to be a much greater master of their internal process than I to not feel desperate if someone knows that his/her financial future is tied to making a quota when running low and needing a high total in the last day of the week or the last hour of the shift.

I point this out not just for my job, but because I see the same things in the world of network marketing. Think for a second about your compensation package. If you have a breakaway pay system, you notice different things with people at different levels of the plan. If the breakaway requires recruiting a certain number of people to get a raise in the system, they will work a lot harder to get their promotion, but they may become a lot more leery of trying to help too many people if they know that they won’t get a promotion for a while, and they lose everything that person develops. I’ve also noticed that some people who get to the top or near the top of the ladder might give some initial help, but too often it dries up because of the effect it has on someone’s pay.

The forced matrix also has other issues. This is a system that basically relies on having only a few people at each level, and you must go a few levels deep in order to max out the compensation plan. If this is the case, won’t that mean that people will only look for a few people to join their business? If someone happens to be very good at recruiting, this seems like something that would be stifled by such a system.

Then, there is the compensation plan that convinced me to leave a company, the binary. Unlike other plans, where people might make a little bit of money here and there when they get started, the binary promises big bucks to people who have big downlines, but many of them also require several people to join in order to earn any compensation at all from the plan. Considering the fact that 75% of people who start a network marketing business never get anyone at all, and the mean is 2.7, doesn’t this mean that if, say four people have to join in order to make any money, that the 97% are basically funding the top 3% in the business.

This tells me the importance of understanding what is rewarded and the effect on your behavior. If people aren’t rewarded at all (such as in a binary for the vast majority), won’t those people be a lot more reluctant to do anything? If our downline relies on people ranking lower, won’t this tempt people to on some level want people to stay lower than them on the plan?

What have you noticed about the way you work your business or your job based on what it rewards?

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Hi, everyone. How has your personal development journey gone lately? Are you getting closer to meeting your goals in business and in life?

As you may know, one of my favorite figures from the world of personal development is Jim Rohn. I think that the thing that I like so much about Jim Rohn is the way that he is so action oriented. He cares a great deal about philosophy, but he reminds us that we can have the greatest philosophy in the world, but that doesn’t do us any good if we just think about how great things would be if only we did something unless we actually do it.

In his 4-CD set The Challenge to Succeed, Jim Rohn explains why it is so vital not just to have a great philosophy, but to have a philosophy that leads us to activity, which leads us to greater things in our life. This is definitely more of an inside-out transformation, but he is very big on the idea that the inside has to ultimately find its way out.

His speaking style is more plain-spoken and folksy, and he has a unique speaking style that you won’t soon forget. (I remember one time when I was listening to Jim Rohn CD’s while running some errands in and around Philadelphia and going to class, and after I got out of the vehicle, I suddenly found myself speaking in a rhythm similar to his idiosyncratic style.) He is someone who has a straightforward story as someone who started his journey at the age of 25 with no money, became a millionaire by the age of 31, lost the money two years later, and built himself back up from the ground up and inspired millions. If you want to learn how philosophy leads to actions, and why it is so important to focus on those few things that will lead you to success, as well as how to think of such key areas of life as taxes, bills, and income, I encourage you to listen to this great CD set.

To learn more about The Challenge to Succeed, and how important it is to accept this challenge, click here (aff) to learn more about taking this challenge.

In what ways have you taken a challenge to succeed?

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Hi, everyone. Welcome back to the blog. This week, I started my summer job. What was so interesting to me about this journey was what happened the last couple weeks.

Overqualification

In my efforts to find work for the summer, and a lot of my efforts at finding work for the last two years, for that matter, I’ve found out that a lot of companies don’t want to hire someone with a Master’s degree for part time or temporary work, which is the only kind of work my schedule allows, between working on my business and working on my doctorate.

A couple weeks ago, I thought that my search finally came to an end, when an interviewer at an environmental group decided that I would be perfect for the field manager position for the summer. Because I was going out of town for the weekend, I was supposed to start the job after Memorial Day.

When I went to the office, all seemed to go well. The trainer told me that I was doing a really good job, but as soon as I mentioned the field manager program, I was told that my services wouldn’t be needed after all. Needless to say, I was shocked. Unfortunately, I have seen this many times. Not quite to this degree, but I have seen my experience work against me in this day when employers want to keep wages as low as possible.

When One Door Closes…

Ironically, there was another job that called a day after my interview with the environmental job. It was doing similar work for a labor group. The group was supposed to call back the day that I had my interview, but because I didn’t get a phone call, I thought that meant that they weren’t interested, so I decided to take the job with the environmental group. Because the phone didn’t ring, the message went straight to voice mail, and I got the message on my phone. However, I knew that I was going out of town the next day, so I decided not to call until after the trail period ended, but most likely to tell them that I wouldn’t be doing the job because I’d already found something.

This is the message that I almost certainly would’ve given the labor organization if my phone rang. However, because it didn’t, the bridge wasn’t burned, and when I called, they set me up for an interview on Friday. After the interview, I was told that I had one day of observation in order to find out if the job was right for me and if I would be a good fit.

I went in on Monday, and I got the job! And they pay 40% more than the job I was originally offered with a lower quota for bonuses! What was so interesting to me about the whole thing is the fact that, if my phone had simply rang, the opportunity wouldn’t have been there. However, because I was open to opportunity, when it was taken away somewhere, a better opportunity opened somewhere else.

When have you had an experience where an initial disappointment led to something that worked even better for you than what you thought you wanted in the first place?

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Hi, everyone. I’m writing today because I’ve been thinking about the nature of challenges. Recently, I completed the Clever Marketer Prove It Challenge hosted by my friend Heather Stephens. What was so great about this challenge was that it went for a fairly long time (14 weeks) so it really separated the ones who were serious from the unserious, with seven left standing by the end.

I have been involved in more than one challenge over the last year in the blogosphere, so I’ve been thinking about contributing by leading my own challenge, Steve the Owl’s Parliament Boys and Girls of Summer Challenge. This challenge is a way to work together to grow your blog and make some great new friends in the process. In order to join the Parliament, this is the challenge:

1) write 60 posts (excluding posts with affiliate links) between June 21 and September 22

2) join the group on Facebook

a) you must comment on at least two posts for every post you put on the page
b) put the post number with each blog post

3) join the Parliament mastermind group for at least three discussions

a) we will ask for a list of available times and post the list when the challenge starts
b) on the Facebook page, we will have a chat where people can join together to talk about their blog and building their business, but not pitch their business
c) a list of participants will be collected during every meeting

The prizes: there will be ten (10) prizes at the end of the contest. If fewer than ten people complete the challenge, prizes will remain unclaimed. While all are encouraged to join the challenge, the goal is to encourage excellence. I will participate in the challenge, but I will not claim any prizes.

Grand Prize (five: three automatic, two by drawing): the first three finishers will automatically win copies of The Slight Edge by Jeff Olson, Think and Grow Rich by Napoleon Hill, and The Richest Man in Babylon by George S. Clason. The first book is one that I have found vital to help someone learn personal development, and the last two are the books Jim Rohn’s mentor Earl Schoaff told him were the places to start the journey of personal development and building fortune.

Runners-up (five) will receive copies of The Slight Edge.

Sharing will begin on June 21st at 9 AM ET (GMT 1300). Until then, I encourage you to come to the group and get to know each other.

What have challenges done for you?

If you like what you read, please leave your comments below and share with your friends using the buttons above.

If you would like to learn more about the principles of personal development that have stood the test of time, please fill out the form for my Seven Day eBook Giveaway in the upper right-hand corner of this page.

Hi, everyone. Welcome back to my blog. Today, I’ve been thinking about a book that I’ve recently read by Muhammad Yunus, the man known as “the banker to the poor” who was awarded the Nobel Peace Prize in 2006 for his work founding Grameen Bank, a bank in Bangladesh that devotes its work to microlending that involves loans that average the equivalent to just a few US dollars (when he first started, the average loan was the equivalent to $27 US) that, along with the other social businesses Grameen has started, has lifted millions out of poverty and greatly improved circumstances in his native land. In this book, Creating a World Without Poverty: Social Business and the Future of Capitalism, Yunus describes a vision for a different type of capitalism that has great potential to help billions across the world.

Conscience Plays a Role

Muhammad Yunus started out his professional life as an economics professor at Middle Tennessee State University. However, in the 1970′s, while explaining economic theory to his students, he saw the devastating effects of civil war and natural disaster on his native land, and he knew that he must do something to break the vicious cycle of poverty. With this in mind, he returned to Bangladesh. He listened to people to find out what they needed to break the cycle of poverty, and he talked to the banks, but they told him the same thing over and over again: these are people who are unreliable risks for loans, and the loans are of so little value that money that they can’t produce a profit.

Understanding Leading to Change

For Yunus, this answer would not do. While some unscrupulous business make money off the poor who have no access to the banking system by charging ridiculously high interest rates, Yunus started by giving people money out of his own pocket. He had no desire to become a banker, because he saw himself as an economist, and he kept trying to get people who were bankers to see the potential. Even after years of a nearly 100% repayment rate which most banks could only dream of, the bigger banks insisted that people would never repay and it was impossible to make a profit lending to the poor.

The Value of Vision

In addition to understanding the need for people in Bangladesh, and the courage to act in good conscience, Yunus started to see a business model that could help more than just those who receive loans from Grameen Bank. His bank was not a non-profit enterprise. He exempted the poorest of the poor from interest, but he does charge interest for most loans, with no loan having a higher interest rate than 20%. Eventually, he felt that it was necessary to not just lift people out of poverty through their smaller business, but that this money should be reinvested and leading to something bigger. This included women who purchased cell phones and went from village to village allowing people to have access to cell phones. As time went on, more and more Bangladeshis got phones of their owns, as well as Internet access.

Yunus did this and played such a huge role in improving the conditions in his country because he refused to accept the safe answer, and he developed a new idea for “social business,” which involves companies that seek to make a profit, but use the profit for the betterment of society rather than to pad the portfolio of investors, that competes alongside traditional companies. He also saw poor people as people with dignity, and he set up investment programs for people who made little money to encourage saving.

In the United States, a country with poverty that, admittedly, sees poverty in a different light than Bangladesh, the poor are also marginalized. For example, most banks require at least $100 in order to open an account, which means that people who don’t have that kind of money have to go to check-cashing and bill-pay centers that charge high rates to provide these services, or to loan services that charge rates that would make the worst loan sharks blush. (Most banks also have minimum loan amounts of $5000. I’ve known banks in West Virginia that have smaller loans, but they are the exception rather than the rule.) I don’t know to what extent the rest of these things happen in the rest of the industrialized world, but I wonder how much different things would be if people work to try to fight poverty instead of make money off of it in a way that continues the cycle.

What ways do you think that we can think about capitalism in a way that helps as many people as possible?

If you like what you read, please leave your comments below and share with your friends using the buttons above.

If you would like to learn more about the principles of personal development that have stood the test of time, please fill out the form for my Seven Day eBook Giveaway in the upper right-hand corner of this page.

Hi, everyone. I’m just checking in to let you know about a guest post that I wrote for my friend Stacy Clafin’s blog, Grow with Stacy. Have you ever thought about whether to follow a teacher or a guru? If you are looking for a mentor, or if you would like to think of what it takes to become a great mentor, you can learn more about the subject here. I look forward to your thoughts on this subject.

Take an Inventory of Yourself and Find Out How Many of the “Ghosts” Are Standing in Your Way- Napoleon Hill

Hi, everyone. Welcome to the final installment in my weekly series on Napoleon Hill’s classic book, Think and Grow Rich. It has been my honor to present the overview of the book and weekly summaries to help you on your path of personal development. We have talked about each of the thirteen steps to riches that Hill presented, each of them in a logical pattern that begins internally and then works its way to the outside and action steps. Today, I will mention the six ghosts, and focus on the one that is the most important one to exorcise in the path to success.

The Six Ghosts

Napoleon Hill argues that there are a total of six mindsets, or ghosts, that stand in the way of one’s success, and he insists that the first three are the primary drivers of all of the other ghosts. The first three are the fear of poverty, criticism, and ill health. And the more secondary ghosts are the fear of loss of love of someone, old age, and death. We can see so many of these in effect in our lives. Three of the four are the basis of a multi-billion-dollar industry. I’m not saying that we shouldn’t try to take care of ourselves, but I have to wonder what the line is between healthy concern and dangerous obsession. The fear of criticism can be seen in those who worry so much about pleasing others that they don’t try to do their all because of the remarks that will come their way if they fail.

The Fear of Poverty

However, the one that is most insidious of them all is the fear of poverty. When Napoleon Hill wrote Think and Grow Rich, the country was recovering from the Great Depression, but unemployment was still 12%, and then an austerity program that the country just wasn’t ready for (read into this what you will) lead to another deep recession that pulled unemployment back up to 19%. While this was the New Deal era, we were only at the beginning of the establishment of the social safety net (for example: food stamps were not established until 1965), and it wasn’t nearly as big as it is today. While credit cards have problems of their own, there really wasn’t much of a way at the time for people to be able to afford basic necessities of life if they ran out of money.

Fast-forward to today. While we are not in the situation we were 75 years ago, we have unemployment that has remained stubbornly high, and the groups that usually step in to get the engines of the economy moving when stalled have said that they are tapped out. With people out of work for so long that their unemployment runs out, and their saving run out as well, and it is very easy to think that “playing it safe” is the only real option. Unfortunately, the only way to completely break the cycle of poverty is to do what seems counterintuitive and take risks.

If one defines wealth as a way that one has enough assets that produce enough residual income to actually exceed all expenses even if something does happen to a source of income (For example, if someone spends $2500 a month for his/her family’s lifestyle, and assets produce this kind of yield.) it is necessary to invest and find the vehicles that produce this kind of money. The other thing that the fear of poverty does is make one look for something that is simply a “safe job” over a fulfilling job that leads to one’s goals.

Of course, there are times when these jobs that are seen as satisfying happen, and if this happens, your goal for wealth-building might not be that of a lot of people in the world of network marketing who try to make enough to replace their business, but to do as Jim Rohn said, “Work full-time for your income and part-time on your fortune.” This is advice that was confirmed when I read an article the other day about millionaires next door, and one of those great tips was that if there is a two-income family, to live off one and invest the other.

Everything that I have ever read about the world of building wealth has pointed out that it is vital to devote a portion of income to building wealth through investments. (David Bach says the more the better, but that 10% should be the minimum. He also advises building a safety net and saving for long-term expenses and for fun purchases. T. Harv Eker recommends living off of only half of after-tax income, with several different investment, fun, and security vehicles.) Investing that percentage when all of the chips seem to be down takes a courage that cannot coexist with a crippling fear of poverty. There have been times when I have struggled immensely, and it has made any effort to step forward that much more difficult.

I hope you have enjoyed this series as much as I have enjoyed writing it. Here’s to conquering that fear and building for your future!

How do you fight your ghosts of fear?

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As many of you know, one of my favorite books in the world of personal development is The Slight Edge by Jeff Olson. What I think is so great about this book is the way that it shows you how a continual effort doing the little things that ultimately matter in success is a much better and more reliable way to success than hoping for that big break. One of the things that I’ve been thinking about lately is how it seems that there are times when momentum seems to work in a much different way than the success/failure curve. This is not to say that success isn’t built upon, but that these are simply areas where momentum works in a different way. In order to demonstrate this, I will show two areas where momentum works very differently: investment and fitness/weight loss.

The Snowball Effect

Probably the easiest way to understand the process of momentum and Slight Edge philosophies comes in the world of investment and finance. I don’t know if you’ve seen charts that show how investing early can lead to a much bigger nest egg for retirement than a bigger investment later because of the role of compound interest, but what is interesting is not just the way that compound interest makes the numbers grow, but makes the yield grow as well. I thought about this while looking at the numbers from my IRA account.

I started pretty small with my IRA (part of the consequences of digging out of the hole from my lengthy period of unemployment), but even with the markets taking a big tumble over the last few days, a total investment of $750 has turned into $813.07 over the course of nine months and one week (or 40 weeks total), for a return of investment of 8.4%, or an annual yield of 10.93%. This made me think about how momentum works, because the price per share of my IRA went from $10.35 on the day I opened the account to $12.20 today, for a change of 17.87%. So, why has my account gone up by 8.4% instead of 17.87%?

The answer comes from momentum. The account is set up to add a set dollar amount monthly, based on the price of the mutual fund (I am invested in one that has a pretty high percentages of stocks, and is slated to switch more to bonds as I get older and closer to retirement age.) which means that I am buying fewer shares as the price goes up. So, this got me thinking about the value of momentum, and the best way to see momentum at work is to add a dollar amount at the beginning of the process to see how it works.

So, to use simpler numbers, I thought about what would’ve happened if I had $10,000 on top of the current investments at the price on the day my account opened. At $10.35/share, this would be a total of 966.184 shares of the fund (my fund rounds to three decimal places). Also, there is an annual fee of $10 if there is less than a set amount in the account, so I wouldn’t be subject to that. Adding in my investments up to late December, my total investment would’ve added 22.97 shares, for a total of 989.154 shares, as opposed to the 21.968 shares that I had at the time. This was when dividend time came up, so at the rate of 15 cents/share, I would’ve had a dividend return of $148.37 instead of $6.80. Because dividends are automatically reinvested into the mutual fund, that would have been an additional 12.835 shares added to the stock at the end of the year, instead of 0.588 shares that I got from the DRIP, making a total of 1,001.989 shares of the stock. Using the total investment for this year, that would jump to a current total of 1,022.692 shares in the account, or a total of $12,476.84, for a total return of 16.07% on $10,750 (my actual investment plus the additional amount at the beginning), or an annual rate of 20.89%.

So, a return of 8.4% vs. a return of 16.07%, which is a huge difference, and the only numbers that I changed in the account were having an initial dollar amount that was much higher, and the resulting changes from those numbers in fees and dividends. Clearly, this is an example of momentum at work for you.

Fitness/Weight Loss

However, there are other areas where this result doesn’t produce that kind of momentum. One is the world of fitness and weight loss. This is because, unlike investment where the sky is the limit, you are often working towards a more built-in limit of human endurance, as well as getting towards an ideal which means that returns start to drop. Using my goal of a five-minute mile, for example, I’ve been thinking about the kind of improvement that is necessary to get there. My most recent time trial last month suggests an oxygen capacity (VDOT) of 43.5, which is an improvement from one six months earlier of 36.4. This lead to a reduced time of 1:07.73. However, in order to get to a mile in 5:00, I would have to have a VDOT of 59.5, or an improvement if 16 to improve by 1:37.63. To put it in another perspective, my next end of season run will be in October, also six months in advance. Even ignoring the ceiling, a similar improvement of VDOT would be 50.6, which would mean a time of 5:46.4, or 51.23 seconds. It is still good, but far less than 67.73 that I had over the previous six months. In order to get the same improvement in time (which would mean a 5:29.9 mile), I would have to have a VDOT of 53.6, or an improvement of three more than the last six months.

Then, there is weight loss. Anyone who has ever tried knows the formula is calories in minus calories out. My wife and I started a weight loss program based somewhat on the principles espoused in the Alli diet book (we didn’t take the pills, but we liked the principles behind the diet), which based on our size would mean a diet of 1800 calories and 30% of the calories coming from fat (or 60 grams a day). I started out the diet weighing 153 pounds. The base metabolism rate for a male who does moderate daily activity is 11 calories/lb., not including exercise. At the time, I was running 25 miles a week, or 3.6 miles/day including days off. Using 100 cal/mile and the base metabolism rate, that meant that I was burning 2043 calories daily. This would mean a net negative of 243 calories, or roughly half a pound a week. Since then, my mileage has improved, and my weight came off faster than expected, getting to 139 pounds as of Monday morning. If I were to continue losing weight, even with my increased mileage to 30/week, or 4.3 a day, this means that my daily output is 1959 calories, which means a net loss of 159 calories, or a third of a pound per week.

How have you found an understanding of momentum helping you to meet your goals?

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Hi, everyone. Today marks a very special day for Steve the Owl’s Blog. With two humble posts exactly one year ago: one shortly after midnight, and one at 10 pm that quiet Sunday evening, I entered the world of content-driven blogging. My first post talked about some experiences that I’d had earlier that year with people insisting on “their” parking space during a blizzard, and how this only led to fewer parking spaces available for everyone. My second, fitting for something that was written on a Sunday inspired by thinking through some things on the way home from church, got to the very core of why people want to build a business, and how some have gone to a message of prosperity gospel that, in my opinion, misses the entire point of the Bible and turns God into a genie.

With these humble beginnings, I began my blog, which has to this day operated under the idea of “life, business, and so much more.” While some may argue for a more narrow niche, I’ve found that my niche has been about the everyday experiences I have had (including the books I’ve read, the music I’ve heard, and the TV and movies I’ve seen) that teach so much about our personal development and business.

There has been a lot of trial and error along the way, but I thank each and every person who has been there with my as I have worked on this labor of love for the past year. With that in mind, I would like to thank the five most frequent commenters on my blog over the last twelve months, in order from 1-5.

Coach Freddie Coach Freddie has done some wonderful work in the world of video blogging, including a lengthy and excellent series on each of the 64 success principles presented by jack Canfield. He is truly a great mind in the world of personal development. We are at the top of each other’s commenter list, and it has been a great honor getting to know Coach Freddie. Keep your eyes out for a blog exchange between the two of us coming soon.

Oliver Tausend Oliver held the number-one spot among my commenters for a pretty long time. Like me, his interests are pretty varied, with a large focus on personal development and business with a lot of stories based on his personal experiences. He has done a lot of work in several different syndication groups, so if you’ve seen him around but haven’t stopped by this blog, be sure to do so.

Karen Marrow Karen is someone who focuses primarily on personal development, with some emphasis on business. I have found a lot of great value on her blog, and I had the honor of guest-posting on her blog earlier this spring after winning a contest for a great book on personal development, Happy for No Reason.

Jayne Kopp I met Jayne this winter on the Clever Marketer Prove It Challenge, and both of us crossed the finish line together on the same day. Considering that she was pretty far behind the pace for the challenge toward the end, this shows her dedication to her blog and to her readers. Be sure to read about her experiences with personal and business development, and how she weaves them into a life narrative.

Vicki Berry Vicki is someone who has several blogs, and the blog where I know her the best is the one that I linked to. She offers some great advice on business and blogging, with an emphasis on SEO and copywriting. If you want to learn about how to build a business and how to learn the rules of the road for creating a great blog, I can think of no better place to start.

Thank you to everyone who has read my blog and commented. I will never forget you. I hope to provide even more value in the second year of this blog than the first.

The Door to the Temple of Wisdom: The Thirteenth Step toward Riches.- Napoleon Hill

Hi, everyone. Welcome to my continuing series on Think and Grow Rich by Napoleon Hill. I apologize for the lateness of this week’s presentation. We are getting closer to the end of the book, as this is the review of the penultimate chapter of this book. Up to this point, we have examined principles that one can use to create wealth.

However, there ultimately comes a point where we are limited in what we can do. Our research may be solid, our efforts may be based on sound principles and diligent work ethic, but there are times when we still struggle in the path to success. What can we use in those times when our efforts seem to have reached their limits, and we still have not accomplished our goals? Napoleon Hill saw the answer as what he referred to as “the sixth sense,” which may also be referred to as intuition, Infinite Intelligence, creative imagination, God, Providence, luck, etc., depending on who you ask.

So, let us examine what he means in this search for that extra step. Napoleon Hill argues that the only way to truly embrace the sixth sense is to understand each of the preceding twelve steps on the path to riches. This is the element that appears in ways that we cannot understand, but it helps to provide inspiration and help us find what we seek in our path to success and realizing our greatest potential.

What I think is so interesting about how this was applied was something that I’d read in The Seven Habits of Highly Effective People by Stephen Covey. He said that the seven habits were like a spiral that takes us upward on our journey, and we are constantly working to improve each of the seven habits once we learned them and oriented our lives around them. In a way, I think this is how the sixth sense works with the thirteen steps toward riches. Each of the steps toward riches work in sequence, and once we work toward each of the steps, we find ourselves getting higher and higher in our path to success. So, if you want to succeed, we have to remember that success is a continual process, and that our steps will give us the momentum to take us where we want to go.

How has the sixth sense helped you along your path to success?

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