OverHall IT!
Vol. 5 Issue 5
Just reading this newsletter won't get you organized...
YOU must take some action!
Organizing Newsletter for Your Life - OverHall IT!
Circulation 7,153
Vol. 5 Issue 5
Publisher: Janet L. Hall mailto:janet@overhall.com
http://www.overhall.com
(c) OverHall Consulting 2004
Administration information located at end of newsletter
Help Me Help Others Heal Their Environments and Get
Organized - Please forward my newsletter onto those you know
who might need or like OverHall IT!
IN THIS ISSUE
1. Welcome and Happenings
2. OverHalling and Balance
3. Tips for Professional Organizers
4. Organizing Tips and Tools
5. Jokes, Quotes, and Anecdotes
6. Guest Article
1. Welcome and Happenings
Back in September I darted into a big discount store and I
literally called my husband to ask him "What month is it?" You
see the store was not only setting out their Halloween
merchandise they were also setting up their Christmas stuff!
Christmas music was floating through the air and I thought I had
gone through a time warp!
With the holidays fast approaching I've given you some financial
tips in the OverHalling and Balance section that I hope you can
use. My husband and I started using many of the tips ourselves
and what a difference it has already made in our lives, and not
just financially. Implementing many of these tips has also lifted
many burdens from our shoulders and has allowed us to see the
light at the end of the tunnel.
In the meantime, Christmas will be here before you know it and
an associate organizer, Maria Gracia, has a wonderful
downloadable holiday planner. As with the store I was in it
seems it's never too early to start getting organized for the
holidays. Get your Holiday Planner today, and have a relaxing,
stress-free holiday season. For more information, visit:
http://hop.clickbank.net/?overhallit/getorgnow1
My email course of how to sort and organize all your home
papers is a great success, thanks to many of you. To read about
how it works, what you can expect, and to sign up for it please
see my newest web site
http://www.paperclutter.com
My discussion board is slow in starting up and I need your help.
Since it's only a couple of weeks old there is not much there so
please visit and post some tips, questions or just share. You can
access the discussion board at
http://www.overhall.com/phpBB
I'll be presenting a teleseminar (a class over the phone) in early
November that you can check out in Section 4 under Events. I
hope many of you can attend. And get ready for next year as I
am planning a year long series (once a month) of Feng Shui
classes, via teleseminar and local venues. And the first week of
January I'll be presenting via phone a week long series of
Organizing and Feng Shuing Your Office. If you would like to be
directly notified of when these events are ready to register for,
please send me an email at janet@overhall.com I do use a Spam
Filter so you will need to answer and authorize yourself before I
can receive your email. (If you need a great spam filter check out
the one I use at
http://spamarrest.com/affl?930907 )
Thanks for your support and for being a subscriber,
Janet L. Hall, The Organizing and Feng Shui Wizard
Now, on to the articles!
2. - Tips for "OverHalling" Your Expenses
By: Janet L. Hall
Top 7 Tips for OverHalling Your Banking Expenses
1. Find out what fees/rates your bank is charging you
2. Find and get the lowest fees/rates
3. Check out online banking
4. Switch to a credit union
5. Reconcile your checkbook every month (toss out the bank
statement afterwards…you DO NOT need to keep it)
6. Don’t bounce checks
7. Buy checks through a check company NOT your bank
Top 7 Tips for OverHalling Your Mortgage Expenses
1. Find and GET the lowest interest rate
2. Pay your monthly payment in two week intervals
3. Switch from adjustable to an ARM
4. Drop your PMI (Private Mortgage Insurance) if you have at
least 20% equity in your home
5. Pay a little extra on the principle each month or whenever you
have extra money (make sure you tell the mortgage company the
extra is to be applied to your PRINCIPLE only)
6. Pay a little extra on the principle each month (needed to be
said again!)
7. Check into changing your mortgage from a 30 year to a 20 or
15 year loan
Top 7 Tips for OverHalling Your Credit Card Expenses
1. Use only ONE major credit card per person/family (cuts
down on paper, tracking expenses, and bills)
2. Get rid of high interest rate major credit and department store
cards
3. Get rid of cards that require you to pay an annual fee
4. Check for additional fees, such as transaction fees, late fees,
over-limit fees
5. Charge ONLY what you can pay off monthly
6. Prepay before you charge, such as vacations and holidays
7. Pay on time. Don’t put the bill in a pile, pay immediately or
put with the rest of your monthly bills
Many of the items from the list above will take time to investigate
or change; however, once accomplished you will find you have
less paper work, more time to do the things you really want to
do, and probably more money.
The Financial Planning Organizer Kit by HOMEFILE® has
been a topic in many newspapers the last couple of weeks and
we sell them! We have these on special this month (Save $4.00)
and you can read about and order it at:
http://www.overhall.com/organizing_special.htm
Have you decided that you would like help?
Check out my cutting edge program, 33 Days to Creating a
Supportive and Healing Environment, at
http://www.overhall.com/environment.htm
Have You Gotten Your *Tickle* for the Day?
Check out the secret organizing tool that ALL organized families
and successful people use on a daily basis at
http://www.overhall.com/tickler_file.htm
3. Tips for Professional Organizers
4. Organizing Tips and Tools
OverHall Special:
Check out our special and save $4.00 on the Financial Planning
Kit at:
http://www.overhall.com/organizing_special.htm
(Please refresh your screen if you have visited this page in the
past).
OverHall Event:
I'm presenting a teleseminar, hosted by the Feng Shui Institute
International, on November 9th and 16th at 1 PM (EST) titled,
OverHall Your Office for More Space, Time, and Money. You
can read more about it and register at
http://www.fengshui-ii.org/education.htm
E-books and Books:
An associate, Ron Mueller, is the co-author of
"It's How Much You KEEP, That Counts! Not How Much You
Make". It's the ULTIMATE Tax-Reduction System For Small
and Home-Based Businesses! Reading one chapter has already
helped me and I'm sure it will help you also. Check it out at:
http://www.kickstartcart.com/app/aftrack.asp?afid=137136
If you are nearing the point of claiming bankruptcy or have and
feel there is no hope left, think again. Check out Paula Langguth
Ryan's book, "Bounce Back From Bankruptcy, A Step-by Step
Guide to Getting Back on Your Financial Feet." It's in its third
edition and I helped research a lot of the 1st edition <g>. Used
and recommended by attorneys world wide.
http://tinyurl.com/2v53q
Jeffrey J. Mayer, president of Succeeding In Business, and
author of many books, has an ebook, "Winning the Fight Against
You and Your Desk," that I highly recommend. This inexpensive
52 page ebook is jammed packed with time saving tips so you
can get more done in less time. I urge you all to download this at
http://www.1shoppingcart.com/app/aftrack.asp?afid=25003
Software and Downloads:
If you've been wanting a web site and aren't sure how to build
one check out my latest multimedia CD, FrontPage Show and
Tell. You will see my screen and hear my voice telling where and
why to click to build your web site. Introductory Special at
http://www.frontpageshowandtell.com
5. Jokes, Quotes, and Anecdotes
~~One day an American worries about going to the poorhouse
and the next day he buys a new car.
--Unknown
~~Christmas is a race to see which gives out first - your money
or your feet.
--Unknown
~~A family in San Francisco is reliving its Christmas holidays -
the man of the house is showing colored slides of his cancelled
checks.
--Unknown
~~The poor complain about the money they can't get and the
rich complain about the money they can't keep.
--Unknown
6. Stop Juggling and Start Achieving
By Dr Jill Ammon-Wexler
www.quantum-self.com
© 2004 All Rights Reserved
Want more success in your business or professional life? Here's
a proven-effective 3-step strategy that will take you soaring to
the top in any endeavor.
There's a lot of "noise" in the business world today about the
importance of being able to multi-task, or juggle several tasks
simultaneously.
But there's another personal capability that's actually far more
important to your ultimate success than multi-tasking -- the ability
to focus your mind.
This capability in itself often determines who rises to the top in
any business or profession, and who will remain a lower- or mid-
echelon multi-tasker.
** Focus = Results
Why is mental focus so much more important that the multi-task
juggling game expected of so many business people today?
There's a very powerful reason focus is so important, although
often rare: Mental focus enables you to actually ACHIEVE A
DESIRED END RESULT -- not just juggle to "keep the balls in
the air."
Do you think Bill Gates spends his energy multi-tasking? Of
course not. He has trained himself to focus on a desired END
RESULT -- and direct his resources accordingly.
Gates, like all of todays top leaders, got where he is today
because of focus! Although he obviously has multiple desired
end tasks -- he has disciplined himself to drop all the "balls" to
the floor *except* the one he is focused on bringing to
completion in that moment.
Sure -- Gates has a staff to delegate to now. But before he built
that hugely successful business, he first developed the ability to
FOCUS on a single end result and get it achieved!
** First - Stop Juggling
I can hear you mumbling to yourself. "Oh yeah," and how can I
just let all those balls drop to the floor while I focus on only one
thing?"
Yes, we ARE talking about a "gutsy" approach. It's actually a
true test of willpower, mental focus and self-discipline. BUT --
it's also the mark of virtually every top winner in every life arena
-- from sports to business.
This approach requires that you look beyond all the balls you are
juggling, and determine which must be allowed to fall to the floor
for now.
It may even require that you let ALL those "balls" fall to the floor
to clear the air. Because your first REAL job is to cut through
your multi-tasking stress -- and determine the "end result" that
has highest priority.
Notice I used the word "result" -- not tasks.
And your next job is to focus, and work on that single most
important *RESULT* until it is achieved.
Develop this ability - and your value to any organization
(including your own business) has just grown beyond
comprehension!
** Build Focused Brain Power
If you're determined to move your business or professional life
forward, here's a time-proven personal excellence strategy that
works:
First -- Make a list of the END RESULTS you wish to
accomplish. Focus on the desired end results, NOT the required
tasks.
Second - Prioritize your list in terms of "survival or growth,"
which ever is currently most critical.
Third - Start at the top of your list, and move down toward the
bottom, asking the following questions for each desired end
result:
Question #1: What will happen if this is NOT achieved? Is this
item in the correct spot on my list? Is some other end result more
important to survival/growth?
Question #2. What portion of this end result is MY
responsibility? Which of my activities and/or skills has the highest
personal excellence value, and will help me achieve this end
result?
Question #3. Can someone else achieve this end result better
than I can? If so, who? How can I best delegate this?
Question #4: What is the single most valuable use of my time
RIGHT NOW?
There is only ONE correct answer to this final question at any
given time.
Your ability to determine the single most valuable use of your
time, and then focus your personal efforts on the required tasks,
is the key to successful personal excellence and results-oriented
management.
** The Final Results
Once you've identified the single most important end result at this
moment -- your next job is to focus your brainpower on it single-
mindedly until it is 100% complete.
Forget the juggling act. Focus and persevere. Discipline yourself
until the end result is achieved. Focus and commit to build
personal excellence brainpower.
Hard work? Yes!
Rewarding? Most certainly!
By building this ability to set priorities and concentrate on getting
results - you will soon develop the habit of high personal
achievement and excellence.
And not only will you have the satisfaction of getting results - you
WILL stand out in any organization, business or industry!
This habit alone is certain to guarantee you great success in life.
Visit Quantum-Self.com for original inspirational articles and
science news, free self tests, brain quizzes, and the web's best
mind-building tools. Subscribe to LandOnYourFeet and get a
sizzling FR.EE Prosperity minicourse!
http://www.quantum-self.com
So you want to be a Professional Organizer?
Check out my one-of-a-kind system, The Wizard's Professional
Organizers System that will give you a jump-start on your
organizing career at
http://www.overhall.com/professional_organizers_system.htm
NEED a speaker for your next event? Download my speaking
packet at:
http://overhall.com/Seminars.htm
Harmony and Balance to all,
Janet L. Hall, CPO/CRMS (tm), FSII/FSIA
The Organizing and Feng Shui Wizard
Let me work my "magic" on your Clutter, Life, and Environment!
http://www.overhall.com
"If your current life isn't working for you... get an
"OverHall"!"
Janet L. Hall is the owner of OverHall Consulting, and
Organizing By Phone, which is based out of Southern Maryland
and can be reached at 800-687-3040 or 410-586-9440, or e-
mail her at mailto:janet@overhall.com
Janet can "OverHall" your office, home, and computer clutter
and can deliver a customized speech or seminar for your next
event.
Copyright (c) 2004 by OverHall Consulting
P.O. Box 263,
Port Republic, MD 20676
All Rights Reserved. Permission is granted to reproduce, copy,
or distribute OverHall IT! or any articles by Janet L. Hall so
long as article(s) is kept intact, this copyright notice, and
full information about the author is attached.
ISSN # 1533-0702.
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Here in OverHall IT! it is my hope to help you stop juggling
areas in your life around and help you "OverHall" the areas that
might have become cluttered, ignored, or put on the back
burner. I want to help you bring back into focus the things that
are important to you. I want the chaos to stop for you and help
bring you some structure and hopefully some useful advice and
systems so you can accomplish the most important task...running
your life!
PRIVACY STATEMENT: We will not distribute, rent, or sell
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