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Can We All Afford to Ignore This?

Can We All Afford to Ignore This?

What the heck is an  “Unfunded Liability”?

In our efforts to build the American dream, encourage people to work hard and be good law abiding citizens our society invented the safety net of social services and financial back ended rewards such as pensions and social security.  Great motivators—and I am all about motivation—however when you put in the time and then the reward is not there when you need it, it creates the “great consternation.” This ,my friends is called “Unfunded Liabilities.”

If you borrow money from a bank, you are expected to pay it back. If you gamble at a casino on your credit card, you are expected to pay back your losses. If you promise a friend to help them in the future, your friend expects you to help.

If you don’t have the cash to pay back the loan, squander your credit on gambling or have no intention of helping your friend—those are “Unfunded Liabilities,” which will damage your relationship.

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So, what happens?

A bank can harm your credit rating and you might lose the friend; the gambler may bring some real hurt to collect the debt.

I listen to talk radio a lot.  Being a talk show host leads you into the talk show world and I always want to improve not only the vocabulary, but to find new issues to talk about, plus I just enjoy the learning process.

So I have been hearing this term “Unfunded Liabilities” quite a bit. This is something I want to talk about more in depth, as it really gets my motor firing.

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I am convinced that the best way to deal with our nation’s unfunded liabilities is for each and every one of us to deal with our own, personal, unfunded liabilities whether it be health, fitness, happiness, and/or finances.

Let’s improve our quality of life

I want us all to improve our quality of life.

Ignoring debt can only make matters worse; head in the sand will not protect you when the tsunami hits the shore.

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Unfunded liabilities, entitlements, pensions and the like started as great ideas.  However, moving forward into the future, they have become an incredible hindrance.

We don’t have to do it alone. We can help each other solve our own problems together. Friends help friends, neighbors help neighbors, and, ultimately, citizens reach out to each other to improve our collective health, fitness, and finances.

That will make a lot of us happy.

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It is time to step up and fix things.  Through adversity grows opportunity I like to say.

We need to become engaged in the process of improving our QOL (quality of life), because our road trip is just beginning and we need all of the tools and supplies that will make this a memorable road trip into the future; so what are these “tools and supplies”?

QOL List

Here is the start of our list, and I would like everyone to contribute their own thoughts. No idea is a bad idea!

  1. Live in the moment and look forward to the future—reminiscing is ok but we have way too many cool things coming to dwell.
  2. Small steps to improve your QOL—great road trips take planning; making changes in your life take time, imagination, and a positive mental attitude. Now we are talking.
  3. Accept the fact that to worry about unfunded liabilities and entitlements is a waste of time. Strategize. Find your passion and don’t sweat the small stuff.
  4. Build your foundation for the roadtrip by equipping the bus with all of the tools that will empower us to have a blast, be it education, training, or volunteering, nutrition, fitness and rest—all of these tools need to be in our toolbox.

With all your help, we can accomplish this!

Featured photo credit: US Federal Government via google.com

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tom matt

Talk show host, Author, Professional Inspirational Speaker, Higher Education-Telecommunications Professional

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Last Updated on August 16, 2018

10 Ways To Step Out Of Your Comfort Zone And Enjoy Taking Risks

10 Ways To Step Out Of Your Comfort Zone And Enjoy Taking Risks

The ability to take risks by stepping outside your comfort zone is the primary way by which we grow. But we are often afraid to take that first step.

In truth, comfort zones are not really about comfort, they are about fear. Break the chains of fear to get outside. Once you do, you will learn to enjoy the process of taking risks and growing in the process.

Here are 10 ways to help you step out of your comfort zone and get closer to success:

1. Become aware of what’s outside of your comfort zone

What are the things that you believe are worth doing but are afraid of doing yourself because of the potential for disappointment or failure?

Draw a circle and write those things down outside the circle. This process will not only allow you to clearly identify your discomforts, but your comforts. Write identified comforts inside the circle.

2. Become clear about what you are aiming to overcome

Take the list of discomforts and go deeper. Remember, the primary emotion you are trying to overcome is fear.

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How does this fear apply uniquely to each situation? Be very specific.

Are you afraid of walking up to people and introducing yourself in social situations? Why? Is it because you are insecure about the sound of your voice? Are you insecure about your looks?

Or, are you afraid of being ignored?

3. Get comfortable with discomfort

One way to get outside of your comfort zone is to literally expand it. Make it a goal to avoid running away from discomfort.

Let’s stay with the theme of meeting people in social settings. If you start feeling a little panicked when talking to someone you’ve just met, try to stay with it a little longer than you normally would before retreating to comfort. If you stay long enough and practice often enough, it will start to become less uncomfortable.

4. See failure as a teacher

Many of us are so afraid of failure that we would rather do nothing than take a shot at our dreams.

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Begin to treat failure as a teacher. What did you learn from the experience? How can you take that lesson to your next adventure to increase your chance of success?

Many highly successful people failed plenty of times before they succeeded. Here’re some examples:

10 Famous Failures to Success Stories That Will Inspire You to Carry On

5. Take baby steps

Don’t try to jump outside your comfort zone, you will likely become overwhelmed and jump right back in.

Take small steps toward the fear you are trying to overcome. If you want to do public speaking, start by taking every opportunity to speak to small groups of people. You can even practice with family and friends.

Take a look at this article on how you can start taking baby steps:

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The Number One Secret to Life Success: Baby Steps

6. Hang out with risk takers

There is no substitute for this step. If you want to become better at something, you must start hanging out with the people who are doing what you want to do and start emulating them. (Here’re 8 Reasons Why Risk Takers Are More Likely To Be Successful).

Almost inevitably, their influence will start have an effect on your behavior.

7. Be honest with yourself when you are trying to make excuses

Don’t say “Oh, I just don’t have the time for this right now.” Instead, be honest and say “I am afraid to do this.”

Don’t make excuses, just be honest. You will be in a better place to confront what is truly bothering you and increase your chance of moving forward.

8. Identify how stepping out will benefit you

What will the ability to engage in public speaking do for your personal and professional growth? Keep these potential benefits in mind as motivations to push through fear.

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9. Don’t take yourself too seriously

Learn to laugh at yourself when you make mistakes. Risk taking will inevitably involve failure and setbacks that will sometimes make you look foolish to others. Be happy to roll with the punches when others poke fun.

If you aren’t convinced yet, check out these 6 Reasons Not to Take Life So Seriously.

10. Focus on the fun

Enjoy the process of stepping outside your safe boundaries. Enjoy the fun of discovering things about yourself that you may not have been aware of previously.

Featured photo credit: Unsplash via unsplash.com

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