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How about ACHIEVING 101%? You have heard adjusters say they gave more than 100%.

What equals 100% in life?

Here's a little mathematical formula that might help

answer these questions:

If:

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Is represented as:

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26.

If:

H-A-R-D-W-O-R- K

8+1+18+4+23+15+18+11 = 98%

And:

K-N-O-W-L-E-D-G-E

11+14+15+23+12+5+4+7+5 = 96%

But:

A-T-T-I-T-U-D-E

1+20+20+9+20+21+4+5 = 100%

Or

H-A-R-D-W-O-R- K
8+1+18+4+23+15+18+11 = 98%
And:
K-N-O-W-L-E-D-G-E
11+14+15+23+12+5+4+7+5 = 96%
and
A-T-T-I-T-U-D-E
1+20+20+9+20+21+4+5 = 100%

= 294%

The most practical, beautiful, workable philosophy won't work- if you won't.

My parents told me about Mr. Common Sense early in my life and told me I would do well to call on him when making decisions. It seems he was always around in my early years but less and less as time passed by. Today I read his obituary. Please join me in a moment of silence in remembrance, for Common Sense had served us all so well for so many generations.

Obituary Common Sense

Today we mourn the passing of a beloved old friend, Common Sense, who has been with us for many years. No one knows for sure how old he was since his birth records were long ago lost in bureaucratic red tape. He will be remembered as having cultivated such valuable lessons as knowing when to come in out of the rain, why the early bird gets the worm, life isn't always fair, and maybe it was my fault.

Common Sense lived by simple, sound financial policies (don't spend more than you earn) and reliable parenting strategies (adults, not children are in charge).

His health began to deteriorate rapidly when well intentioned but overbearing regulations were set in place. Reports of a six-year-old boy charged with sexual harassment for kissing a classmate; teens suspended from school for using mouthwash after lunch; and a teacher fired for reprimanding an unruly student, only worsened his condition.

Common Sense lost ground when parents attacked teachers for doing the job they themselves failed to do in disciplining their unruly children. It declined even further when schools were required to get parental consent to administer Aspirin, sun lotion or a Bandaid to a student, but could not inform the parents when a student became pregnant and wanted to have an abortion.

Common Sense lost the will to live when religions became businesses and criminals received better treatment than their victims. Common Sense took a beating when you couldn't defend yourself from a burglar in your own home and the burglar can sue you for assault.

Common Sense finally gave up the will to live, after a woman failed to realize that a steaming cup of coffee was hot. She spilled a little in her lap, and was promptly awarded a huge settlement.

Common Sense was preceded in death by his parents, Truth and Trust; his wife, Discretion; his daughter, Responsibility; and his son, Reason. He is survived by three stepbrothers; I Know my Rights, Someone Else is to Blame, and I'm a Victim.

Not many attended his funeral because so few realized he was gone. If you still remember him, pass this on. If not, join the majority and do nothing

I know at least some of you remember him!

I don't care how much power, brilliance, or energy you have, if you don't harness it and focus it on a specific target, and hold it there, you're never going to accomplish as much as your ability warrants.

Failure brings learning. You will make a lot of mistakes along the way. Just learn what doesn’t work, make the corrections and go on. It took me at least 10 years to become a decent adjuster. I have never quit learning, regardless of conditions. Knowledge of what you do is imperitive in this, and any other profession.

Your motto should be, adapt, improvise and overcome. Don’t let it be a stumbling block to your plight for success. There’s always a
way to do something. There’s no secret to success. It’s just a lot of hard work. Adjusters must know an awful lot about many, many,  things. Don't waste time when your not busy. Get on the internet, buy reading material, and start learning your way to success. Of course, don't forget pride, integrity, and honesty on your way to the top.

This is an excellent book to have in your collection: http://www.amazon.com/gp/product/cu...=1#gallery

I suggest you save this and listen to it every morning. It is sung by the Cactus Cuties in Texas. Most beautiful rendition of the Star Spangled Banner I have ever heard. Of course you must copy and paste it in your browser.

http://www.youtube.com/watch?v=QKCVS57j284

When wealth is lost, nothing is lost;
When health is lost, something is lost;
When character is lost, all is lost!

German Proverb

If we value independence, if we are disturbed by the growing conformity of knowledge, of values, of attitudes, which our present system induces, then we may wish to set up conditions of learning which make for uniqueness, for self-direction, and for self-initiated learning. We obviously value independence in this profession. If that value is great to you, learn from your mistakes, seek constantly the knowledge required in this field, and that is a lot. Being independent means standing on your own. Don't insult yourself or others with incompetence, learn daily.

The true measure of an individual is how he treats a person who can do him absolutely no good.

If you keep on saying things are going to be bad, you have a good chance of becoming a prophet.

The older I get, the more I appreciate what others have done to make me what I am ,and where I am at right now. Sometimes we lose sight of those most important people to us. I like Charles Schulz's philosophy of this and here it is. I was able to answer all of the lower five questions, but few of the top six.

Schulz Philosophy

The following is the philosophy of Charles Schulz, the creator of the
'Peanuts' comic strip. You don't have to actually answer the questions.
Just read the e-mail straight through and you'll get the point.

1. Name the five wealthiest people in the world.

2. Name the last five Heisman trophy winners.

3. Name the last five winners of the Miss America.

4. Name ten people who have won the Nobel or Pulitzer Prize.

5. Name the last half dozen Academy Award winner for best actor and
actress.

6. Name the last decade's worth of World Series winners.

How did you do?

The point is, none of us remember the headliners of yest erday. These
are no second-rate achievers. They are the best in their fields. But
the applause dies. Awards tarnish. Achievements are forgotten.
Accolades and certificates are buried with their owners .

Here's another quiz. See how you do on this one:

1. List a few teachers who aided your journey through school.

2. Name three friends who have helped you through a difficult time.

3. Name five people who have taught you something worthwhile.

4. Think of a few people who have made you feel appreciated and
special.

5. Think of five people you enjoy spending time with .

Easier?

The lesson: The people who make a difference in your life are not the
ones with the most credentials, the most money, or the most awards.
They are the ones that care.

Pass this on to those people who have made a difference in your life.

'Don't worry about the world coming to an end today. It's already
tomorrow in Australia ' (Charles Schulz)

I am now, probably for the first time in my life, the person I have always wanted to be. Oh, not my body! I sometimes despair over my body; the wrinkles, the baggy eyes, and the sagging butt. And often I am taken aback by that old person that lives in my mirror (who looks like my Father!), but I try not to agonize over those things for long.

I would never trade my amazing friends, my wonderful life, my loving family for less gray hair or a flatter belly. As I've aged, I've become kinder to myself, and less critical of myself. I've become my own friend.

I don't chide myself for eating that extra cookie, or for not making the bed, or for buying that silly cement alligator that I didn't need, but looks so neat at our front entrance.  I don't regret the American Flag flying 24 hours per day at our front entrance of our home. It reminds me how lucky we are living in this country, even during the bad times

I have seen too many dear friends leave this world too soon; before they understood the great freedom that comes with aging. Whose business is it if I choose to read or play on the computer until 4 AM and sleep until noon? This is one instrument I use to learn about what I do and want to be before I am gone. I will dance with myself to those wonderful tunes of the 60s & 70s, and if I, at the same time, wish to weep over a lost love, I will. Oh, to have those days back, but that is not possible.

I know I am sometimes forgetful. But there again, some of life is just as well forgotten. And I eventually remember the important things. Sure, over the years my heart has been broken. How can your heart not break when you lose a loved one, or when a child suffers, or even when somebody's beloved pet passes away? But broken hearts are what give us strength and understanding and compassion. A heart never broken is pristine and sterile and will never know the joy of being imperfect.

I am so blessed to have lived long enough to have my hair balding and turning gray, and to have my youthful laughs be forever etched into deep grooves on my face. So many have never laughed, and so many have died before their hair could turn silver. I was blessed when I met my wife Janice, for she has inspired me and loved me through thick and thin. She has to do things for me now that I had always been able to do myself, and she never complains. Thats what true love is.

As you get older, it is easier to be positive. You care less about what other people think. I don't question myself anymore. I've even earned the right to be wrong and I was once.

So, here it is, I like being old. It has set me free. I like the person I have become. I am not going to live forever, but while I am still here, I will not waste time lamenting what could have been, or worrying about what will be. It is what you have made it, after all. 

To all  my adjuster friends, thank you for being there when I needed you. Thank you for being my friends and may it last forever.

Beginning today, treat everyone you meet as if they were going to be dead by midnight. Extend to them all the care, kindness and understanding you can muster, and do with no thought of any reward.  Your life will never be the same again.

Acceptance of what has happened is the first step to overcoming the consequence of any misfortune. We, as a nation, are in the hood of misfortune with our economy. Now is the time to reduce spending, watch fuel expense, and endeavor to keep yourself afloat until a disaster occurs. Don't buy it if you don't need it. Now, more than ever, our pioneer heritage must surface.

You cannot change your destination overnight, but you can change your direction overnight.  We generally change ourselves for one of two reasons: inspiration or desperation.

The art of acceptance is the art of making someone who has just done you a small favor wish that he might have done you a greater one.

Never lose sight of the fact that the most important yardstick of your success will be how you treat other people. Just remember the old cliche, Treat others as you would want to be treated and always remember that your dealing with people who have lost a part of their lives.

I strongly advise you to watch this. A lecture from a man who knows he is dying. Sorry I don't know how to do a URL so you can just punch the button.

http://video.stumbleupon.com/#p=ithct48cqw