Happy New Year From Billy Florence

Happy New Year!!!!

I hope everyone has had a great holiday season spending time with friends and family. Going in to a new year is always a great time to reflect on the past year and set new goals for the next year. I hope everyone takes the time to think about what they want to do in 2007.

Once again, Happy New Year!!

God Bless,
Billy Florence

© 2006 Florence News reprint permission to Billy Florence Team Dream Chasers site.

Randy Haugen & Valorie Haugen: First Things First

Randy Haugen, “Real leaders display self confidence while retaining a spirit of humility. They understand that they do not stand-alone. This leadership insight comes from CEO of Baxter Intl.”

Randy Haugen: Leadership Wit and Wisdom

“Leadership is a delicate blend of self-confidence and humility. You have to have the self-confidence to say, ‘You don’t want to make that decision without my input!’ But self-confidence without humility becomes a problem. I may be the CEO. But part of that was having a few skills, and part of it was luck. Part of it was the man upstairs. Self-confidence and humility: Blend those two together and you have someone who has a good chance of leading effectively.

Randy Haugen and Val Haugen are members of IBOAI

IBOAI, the official trade association of Quixtar Ibo’s, serves and protects the business interests of independent business owners. Association leadership includes Greg Duncan, Don Wilson, Billy Florence, Jody Victor.

About Quixtar Diamond ibo leadership: Billy Florence leads Team DCI International and owns Billy Florence’ Equad News. Fred Harteis owns Harteis International. Don Wilson leads legacy business group. Jody Victor is president of Markerman Productions.

Ron Puryear of WWDB and Greg Duncan lead the WWDB team, World Wide Dream Builders.

Diamond leadership IBO resource words: Billy Florence, Fred Harteis, Greg Duncan, Don Wilson Randy Haugen, Colombo DiSalvatore, Claude Hamilton, Mark Crawford

© 2006 Esource News reprint permission to Billy Florence Team Dream Chasers web site.

Billy Florence - Leadership Determination

Bobby Jones Was Determination In Action
by Billy Florence

At age 14, Bobby Jones was considered the greatest golfing prospect in the world. At age 21, he was considered the greatest disappointment in the history of the sport. At age 28, he was considered the greatest that had ever played the game. These fourteen years were dubbed by Atlanta newspaper man O. B. Keeler “Seven lean years and seven fat years,” and defined in startling relief the power of determination in fulfilling a person’s potential.

Jones was his own worst enemy during his teen years. He was plagued by a driving perfectionism that would accept nothing short of infallible excellence in his play – a tall order for a young man battling the pressures of an adoring and expectant public in addition to the normal anxieties of adolescence. A particularly bad outing could throw him into a tailspin of self-criticism that would damage his game for weeks at a time. In addition, he possessed an inordinately bad temper and was given to embarrassing tantrums on and off the links. Grantland Rice said of Jones that he had “the face of an angel and the temper of a timber wolf.”

But a single day, a single hole, a single shot seemed to turn it all around for Jones. On the 18th hole of the final round of the 1923 US Open, Jones hit a near-perfect shot out of the rough which landed eight feet from the hole and ensured his first ever major golf championship. Over the next seven years, he won 13 of the 21 major championships he entered, culminating his career by winning all four major championships in a single season (1930) – to this day the only golfer ever to accomplish the feat. Jones retired from golf at 28, but his influence on the game was only beginning. He invented the modern system of identifying clubs by numbers instead of names, and helped to design the Augusta National golf course, home of the Masters Tournament.

Jones’s was a promising life that seemed headed for disappointment and despair. Instead, he identified and overcame the obstacles before him, and unleashed his potential as few have done before him or since. His story is an enduring testimony to the power of human determination.

“Competitive golf is played mainly on a five-and-a-half inch course – the space between your ears.” -- Bobby Jones

Billy Florence, “Read more on Jones’s remarkable life and career at BobbyJones.com.”

About Leadership Avenue columnist Billy Florence

The people we've chosen to write about have/had their quota of human failings and foibles just like the rest of us... But they share one transcendent quality: All of them in some way, at some time, acted courageously. Billy Florence, is focusing on Bobby Jones challenges as well as accomplishments because this better equips us to lead.

© 2006 Florence News reprint permission to Billy Florence Team Dream Chasers site.

Billy Florence - Staying Debt-Free This Season

American shoppers are intent on continuing their trend toward using more cash and debit cards for holiday purchases rather than relying totally on credit cards. Credit card spending was up last holiday shopping season. According to VISA, holiday spending on their cards last year totaled $257 billion, an increase of 17.5 percent over last season.

Experts offer specific steps to avoid a New Year spending spree hang over. They advise holiday shoppers to set a firm budget, followed by planning each individual purchase and subtracting each purchase from your budget total. If December brings big budget pressure, they suggest increasing gift creativity rather than increasing spending. Trimming the gift list can also provide some financial relief. Consider these six tips for avoiding a financial pinch in the New Year.

SIX TIPS FOR A DEBT FREE HOLIDAY SEASON

1. Set Budget Write Shopping Plan
Determine how much you can reasonably spend this holiday. That should be your maximum amount. Then determine how much of that total you will spend on each individual.

2. Track and Trim
Track your expenses and spending as you go. Waiting until January when you get the credit card statement is too late to avoid unnecessary debt. If you are spending more on family members than you planned, consider trimming that gift list. Replacing a quickly purchased gift with a personal letter tucked in a card may be just the right solution for you and the recipient.

3. Shop Online
Wise online shopping can save you time, gas money, and the aggravation of crowded stores and parking a mile from the building. You can enjoy windows and displays without parting with your hard earned cash. If you do shop online during December, make your credit card “pay off plan.” The National Retail Federation says most of us will spend $800 for the holidays. If you charge that $800 dollars and are only paying the minimum monthly installment, it could take more than 10 years to pay it off. And the credit card company will make more than $1,000 in interest and fees.

4. Get Creative
Gifts that say “personal touch” created by you are the ones most often enthusiastically consumed or lovingly wrapped in tissue paper to be enjoyed in many future holiday seasons. The internet can be an excellent resource for holiday recipes and crafts.

5. Avoid Shopping Over Load
Before heading back to the mall or the Internet, pause and take a mental inventory. The lack of time can sometimes encourage us to over spend. Stop for a hot chocolate and take inventory of your remaining budget funds and your gift lists. A music and graphic enabled email with a personal note of appreciation, tells the recipient you value their friendship. Cost is usually free.

6. The Reason for the Season
Giving to a favorite, reliable charity on behalf of your family and friends in lieu of individual gifts can help you focus on the real reason for the season. Your personal card to each can then allow them to share in the joy of helping the needy.

© 2006 Florence News reprint permission to Billy Florence Team Dream Chasers site.

Billy Florence - TEAM Book Review

How I Raised Myself From Failure To Success Through Selling - A easy to read life skills and business skills gem by Frank Bettger

FROM BILLY FLORENCE: I did judge this book by its cover and its title. When I saw How I Raised Myself From Failure to Success Through Selling for the first time, the last skill I wanted to acquire was that of “salesman.” I was a pilot at the time. That’s not a job known for developing exceptional people skills.

Billy Florence about the book’s benefits: I learned how to be a better listener from Bettger’s book. The discipline of focusing on the other person’s needs – first – is valuable in every profession and to every person. Plus, if you are interested in learning what single word can change your effectiveness in business – read this book.

FROM THE PUBLISHER:
How I Raised Myself From Failure To Success In Selling
Develop the style, spirit, and techniques of a first-rate salesperson. Bettger teaches how to accelerate enthusiasm, conquer fear, develop confidence, and deliver a winning presentation using his own story of success. He shows you how to see what the client will perceive as an important need, and then create a plan to fill that need. In his own story, often the client had not yet anticipated the need, but Bettger placed the facts before the client, understanding the kind of person the client was, and made the sale. Learn to develop these attitudes and skills to become a better salesperson.

© 2006 Florence News reprint permission to Billy Florence Team Dream Chasers site.

Fred Harteis: Successful Relationships and Responsibility

Fred Harteis, “Sometimes people’s behavior toward us can be something of a mystery. What is their thinking for this behavior we sometimes ask ourselves? I’ve learned that people treat others according to how they see themselves rather than how you really are.”

Fred Harteis: Leadership Wit and Wisdom

The key to successful relationships really gets down to responsibility. I am responsible for how I treat others. I may not be responsible for how they treat me, but I am responsible for my reaction to those who are difficult. I can’t choose how you’ll treat me, but I can choose how I will respond to you. – J.C. Maxwell

Fred Harteis and Linda Harteis members of IBOAI

IBOAI, the official trade association of Quixtar Ibo’s, serves and protects the business interests of independent business owners. Association leadership includes Jim Janz, Don Wilson, Billy Florence, Jody Victor.

About Quixtar Diamond ibo leadership: Billy Florence leads Team DCI International and owns Billy Florence’ Florence Enterprises. Fred Harteis owns Harteis International. Don Wilson leads legacy business group. Jody Victor and Kathy Victor lead Markerman Productions team.

© 2007 Fred Harteis - Esource News reprint permission to Billy Florence Team Dream Chasers blog site.

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Billy Florence - Sir Winston Churchill Favorites

Winston Churchill was an amazing leader! There are so many great quotes from him but I wanted to share a few here...

Billy Florence - Winston Churchill Favorites

A fanatic is one who can't change his mind and won't change the subject. - Winston Churchill

It is a mistake to try to look too far ahead. The chain of destiny can only be grasped one link at a time. - Winston Churchill

Personally I'm always ready to learn, although I do not always like being taught. - Winston Churchill

The price of greatness is responsibility. - Winston Churchill

© 2006 Florence News reprint permission to Billy Florence Team Dreamchasers site.

About Fred Harteis & Linda Harteis

Fred Harteis and Linda Harteis are great leaders. They have developed successful businesses and been committed to helping others succeed as well. Take a moment to read about great leaders Fred and Linda Harteis...

Fred Harteis Biography

When Fred Harteis and his wife Linda were first married their future looked bright. Fred had a college degree, good work ethic and was open to personal growth. While Fred Harteis was in Agricultural Education and Building Trades, plus working several part-time jobs, Linda worked full-time in a bank.

When The Harteis Family began to grow, Mr. and Mrs. Harteis decided the children would benefit greatly if Linda left her job and had the time to dedicate to being the mom she wanted to be. The full-time and part-time jobs still proved inadequate to support the family. Fred Harteis began expanding his thinking into business ownership. After building several businesses Mr. Harteis realized the Quixtar Business System was a perfect fit. Linda Harteis could work with her husband to develop a business system to help people achieve their goals in life, as a family.

Today, Fred and Linda Harteis with Harteis International, Inc. and iTEAM have assisted tens of thousands of people build their business by teaching financial education, business principals and economic principals. Today, the Harteis Family continues to expand their operation worldwide. As their business grew Fred and Linda Harteis have had a place in their operation where their children, Tonya, Freddy and Annie can all participate and work to expand opportunities. Fred and Linda Harteis enjoy people and helping people to help themselves. Fred Harteis has many other business interests and continually grows worldwide.

Fred Harteis has also been on the IBOAI Board which represents nearly one-million people. He has served as Secretary, Treasurer, Vice-President and President of this prestigious board. He is excited about helping other business owners find success!

© 2006 Fred Harteis.com. Provided to Billy Florence Team Dream Chasers site.

Team's Chris Brady - Invisible Economy

Chris Brady wrote a great article that I think all Independent Business Owners should read. He talks about the "Invisible Economy." Here is a summary of Chris Brady's article found on Chris Brady's official web site.

The following article, "Invisible Economy," was written by Chris Brady, a Team-affiliated IBO. In the article, Chris discusses how the Industrial Age is over and the Information Age is here. Businesses in the Information Age are difficult to understand because, Chris contends, nearly everyone is still stuck in Industrial Age thinking.

Chris goes on to explain that Information Age businesses, such as those run by independent business owners associated with the Team, are invisible businesses. They are invisible businesses because product stocking, handling and shipping all happen in the background, unlike traditional businesses. However many business owners affiliated with the Team have proven their businesses to be among the most explosive to be involved in, once viewed with Information Age thinking.

To read the complete article, go to:

http://www.christopherjamesbrady.com/articles/Invisible_Economy.html

More from Team's Chris Brady on the net:

http://team-orrinwoodward-team.blogharbor.com/blog/_archives/2005/7/24/1072329.html

http://www.christopherjamesbrady.com/

http://www.terribrady.com/

http://www.the-team.biz/

Randy Haugen: Winning Is A Process Not A Game Score

Randy Haugen, “Emmit Smith recently won a national dancing competition. The discipline he applied to that opportunity was learned during his NFL career with the Dallas Cowboys. His win reminded me of a story I’d heard about Emmitt and Thurman Thomas.”

Randy Haugen Leadership Favorite: Leaders Encourage

In 1994, Thurman Thomas, head bowed with his hands covering his face, sat on the Buffalo Bills bench following his team’s fourth straight Super Bowl loss. His three fumbles had helped seal their awful fate.

Suddenly, standing before him was the Dallas Cowboys’ star running back Emmitt Smith. Just named MVP for Super Bowl XXVIII, Smith was carrying his small goddaughter. Smith looked down at her and said, “I want you to meet the greatest running back in the NFL, Mr. Thurman Thomas.”

About Randy Haugen and Valerie Haugen
Investor Randy Haugen, owns Haugen Corporation. He is a part owner of Legacy Business Group and serves on their Board of Directors. Through his background in business management and customer service, Haugen’s businesses have matured fruitfully.

Randy Haugen has served on the International Business Owners Association International (IBOAI).

Randy enjoys the great outdoors and spending time with his family.

Randy Haugen and his wife Valorie Haugen live near Salt Lake City, Utah.


Key words: Randy Haugen Billy Florence, Fred Harteis, Don Wilson Quixtar Team

© 2006 Randy Haugen - Esource News reprint permission to Billy Florence Team Dream Chasers blog site.

Billy Florence - TEAM: Retire Early

There was an article on Money.com that gave some steps and tips on how to retire early. I personally believe that business ownership is an important key to financial freedom. But of course it is wise to save and invest and always spend less than you make. These are important financial principles no matter what you do in life.

Here are the 5 steps recently suggested on Money.com on how to retire early...

1. Save, save, save
2. Live less than large
3. Be aggressive
4. Bank your extra income
5. Design a post-retirement career (IBO TEAM Business)

Learn more from www.money.com.

© 2006 Florence News reprint permission to Billy Florence Team Dream Chasers blog site.

Billy Florence & Fred Harteis - Leadership and Lincoln

Billy Florence & Fred Harteis: Leadership and Lincoln

Success of business or a country rises or falls on leadership and character. My friend Fred Harteis, models great business leadership-style as head of Harteis International and president of Biznet Productions but also as husband and father. Fred doesn’t just talk the talk -- he walks the walk. – Billy Florence

Billy Florence : Fred, who in history has influenced your leadership style?

Fred Harteis: Abraham Lincoln is one.

Billy Florence: Why Lincoln , Fred?

Fred Harteis:Lincoln had to unite a divided people and lead for the good of the nation.

Billy Florence: What else do you see as a secret of Lincoln's leadership style?

Fred Harteis: His faith, love of reading and caring for people.

Billy Florence: Reading?

Fred Harteis:Lincoln placed a high value on reading good books and continuing his education. The majority of his education was in a home school environment.

Billy Florence: Have you benefited personally, Fred from studying the life of Lincoln?

Harteis: Yes! I'd suggest to anyone interested in leadership to read the book "Lincoln on Leadership."

Billy Florence: If there some characteristic of Lincoln that comes to mind, Fred?


Fred Harteis:Lincoln was a humble man who was wiling to over look the weaknesses of those around him, to focus on what they could accomplish to help the nation.

Billy Florence: Any final tip, Fred?

Harteis: We all have great potential; most just lack the direction and inspiration. I encourage people to find an atmosphere that provides and promotes personal and professional development.



Fred Harteis: President of Harties International, Inc. & BizNet Productions.

Harteis is past president of IBOAI, Independent Business Owners Association, International. IBOAI represents the interests of Independent Business Owners.

Billy Florence leads Team DCI, owns E-Quadnews and past president of IBOAI, independent business owners association International.

Keywords: florencequixtar, quixtarflorence, harteisinternational, harteis, fredharteis, fred, florence, equadnews

© 2006 Esource News reprint permission to Billy Florence Team Dream Chasers web blog.

Fred Harteis & Linda Harteis: Historic Holiday Moments

Fred Harteis, “Commemorated in history books and painting, perhaps the greatest importance of Washington’s Delaware River crossing is its motivational impact of the American people. As of 2004 the oil painting commemorating the event was a permanent exhibit of the Metropolitan Museum of Art.”

Fred Harteis and Linda Harteis: Great Holiday Moments American History

The picture of Washington crossing the Delaware River is captured in countless history books. This unconventional attack began on Christmas night, 1776 with the crossing to Trenton, New Jersey, the Hessian winter headquarters.

After months of defeat, Washington's men quickly overwhelmed the Germans' defenses, and by 9:30 a.m. the town was surrounded. Although several hundred Hessians escaped, nearly 1,000 were captured at the cost of only four American lives. The battle was won. When this good news eventually reached the weary and worried American colonists, it provided much needed encouragement to persist in their cause of freedom.

About – Fred Harteis and Linda Harteis

Fred Harteis owns Harteis International and North American business technology firm, Biznet Productions. A background in construction and agri-business laid Hateis’ business foundation. Under Fred Harteis’ leadership and vision, his businesses have grown exponentially.

Harteis International is a family company. Harteis’ children, Tonya Harteis, Fred Harteis Jr., and Annie Harteis Brescia support the company’s worldwide operations.

Fred Harteis and Linda Harteis are members of IBOAI

IBOAI, the official trade association of IBO’s, serves and protects the business interests of independent business owners. Leadership includes Greg Duncan, Don Wilson, Billy Florence, Jody Victor.

Billy Florence leads Team Dream Chasers DCI International. Billy Florence owns Equad News. Fred Harteis owns Harties International.


Key words: Jody Victor Billy Florence, Fred Harteis, Greg Duncan, Ron Puryear, Don Wilson

© 2006 Fred Harteis - Esource News reprint permission to Billy Florence Team Dream Chasers blog site.

Billy Florence - Holiday Sales Growth Soars

Online retailers are expecting hyper-growth in holiday sales this year as a record number of people say they plan to shop online. One-in-five online retailers report expecting to experience hyper-growth this year. Hyper-growth is defined as an increase of 75 percent or more over last year.

Growth: An additional third plan to experience ‘strong growth’ from 30-74 percent and one in five are projecting growth between 15-29 percent over last holiday. The growth-focused retailers’ holiday marketing arsenal includes tactics such as: more free shipping, earlier sales and promotions, broader participation in shopping search engines, and testing new communication channels such as blogs and RSS. Nearly half (47.1%) of consumers say they plan to shop online this year, up from 36.0 percent three years ago.

More Free Shipping and Sales: The customer has spoken. Four out of five shoppers will be making their online purchase decision based on free shipping and plan to start their shopping early.

An increasing number of online retailers will offer shipping promotions this year including free shipping with or without conditions and discounted shipping. Two years ago, only 64 percent of online retailers offered free shipping with conditions; this year, 83 percent of retailers will be offering the promotion. Many retailers will also be adding “early shopper” discounts. Companies offering “first time buyer” discount are up. More than one-third of retailers will be offering it this year.

Customer Communications: Most online retailers (97.4%) will be investing in search engine marketing and comparison shopping engines (73.1%). Companies are also using more unconventional online marketing strategies with 41.6 percent of retailers incorporating blogs or RSS feeds and 79.5 percent of retailers using viral marketing. Offline, retailers will invest in traditional media advertising in newspapers (44%), magazines (52%), radio (31.6%), and television (26.3%).

Budgets Up: The National Retail Federation says the average shopper is expected to spend nearly $800 this year, up from $738 last year. Self-gifting is also on the shopping list with shoppers planning to spend an additional $99 on themselves.

Sources: National Retail Federation, Bizrate, Shop.org

© 2006 Florence News reprint permission to Billy Florence Team Dream Chasers site.

Orrin Woodward Favorites

These are a couple of Orrin Woodward's favorite quotes found on one of his Orrin Woodward Team blogs...

Orrin Woodward Team Favorites

"I slept and dreamt that life was joy. I awoke and saw that life was service.I acted and behold, service was joy." - Rabindranath Tagore

"How wonderful it is that nobody need wait a single moment before starting to improve the world." - Anne Frank

© 2006 Florence News reprint permission to Billy Florence Team Dream Chasers blog site.

Billy Florence & Peggy Florence: A Holiday Tale of Giving

Billy Florence, “This Christmas classic tale from the pen of William Sydney Porter (a.k.a. O. Henry) captures the essence of gift giving -- selflessness.”

Billy Florence and Peggy Florence: Holiday Season Favorite

The inspirational message of love and giving, The Gift of The Magi, was penned by O. Henry (William Sydney Porter) in 1906. O. Henry tells his readers, “The magi, as you know, were wise men--wonderfully wise men--who brought gifts to the Babe in the manger. They invented the art of giving Christmas presents.”

The art of this O. Henry short story is of a young couple, Della and Jim Dillingham Young, giving all they had for Christmas. Some would say Della and Jim ended up with nothing. We would say they ended up with everything that matters at Christmas time.

About – Billy Florence and Peggy Florence

Billy Florence is an Air Force Veteran, and Georgia Tech graduate. Mr. Florence is a successful entrepreneur. His business interests include a global technology firm, construction, retail, development, entertainment, and media – including the service business ezine, Billy Florence E-Quad News

Billy Florence and his wife Peggy Florence reside in Athens, Georgia. They have three children, Hope Florence, Rich Florence, and Jay Florence.
Billy Florence serves on the board of multiple non-profit and philanthropic organizations including Gospel COM (Gospelcom.net), IBOAI, and the U.S. Dream Academy.

Billy Florence & Peggy Florence are members of IBOAI

IBOAI, the official trade association of IBO’s, serves and protects the business interests of independent business owners. Leadership includes Greg Duncan, Don Wilson, Billy Florence, Jody Victor.

Billy Florence leads Team Dream Chasers (DCI). Billy Florence owns Equad News. Fred Harteis owns Harties International.


Key words: Jody Victor Billy Florence, Fred Harteis, Greg Duncan, Ron Puryear, Don Wilson

© 2006 Billy Florence - Esource News reprint permission to Billy Florence Team Dream Chasers site.

Billy Florence - Ronald Reagan Favorites

Ronald Reagan is a hero of mine. He was an amazing leader and had major impact on our great country. He was an American hero and one of the greatest leaders of his time...

Billy Florence - Reagon Favorites

Abortion is advocated only by persons who have themselves been born. - Ronald Reagan

All great change in America begins at the dinner table. - Ronald Reagan

How do you tell a communist? Well, it's someone who reads Marx and Lenin. And how do you tell an anti-Communist? It's someone who understands Marx and Lenin. - Ronald Reagan

There are no great limits to growth because there are no limits of human intelligence, imagination, and wonder. - Ronald Reagan

© 2006 Florence News reprint permission to Billy Florence Team Dream Chasers site.

Greg Duncan & Laurie Duncan - Holiday Wishes

Greg Duncan and IBO Association “What is ‘Merry Christmas in English is ‘Joyeux Noel’ in French and ‘Feliz Navidad’ in Spanish. No matter the language, we extend best wishes for a happy and safe Christmas and holiday season.

Christmas Favorites From Gregg Duncan and Laurie Duncan:

On December 25, Christians around the world celebrate the birth of Christ. By the year 336, the Christian church in Rome observed the Feast of the Nativity on December 25. At that time, Christmas coincided with the winter solstice and the Roman Festival of Saturnalia.

Today, observations of Christmas in America incorporate the secular and religious traditions of many cultures. The ancient Romans decorated their homes with evergreens. The Christmas Tree tradition came to America with the German settlers. The Yule log tradition is Celtic.
About – Greg Duncan and Laurie Duncan

A successful entrepreneur, Greg Duncan owns his own highly successful e-commerce business that spans around the globe. When he was a third-year medical student, Greg Duncan saw an opportunity to become an independent business owner, which would afford him the freedom of time that he could not have otherwise achieved in a medical profession.

Greg Duncan and Laurie Duncan are members of IBOAI

IBOAI, the official trade association of IBO’s, serves and protects the business interests of independent business owners. The leadership includes Greg Duncan, Don Wilson, Billy Florence, Jody Victor.

Billy Florence leads Team Dream Chasers (DCI). Billy Florence owns Equad News. Fred Harteis owns Harties International.


Key words: Jody Victor Billy Florence, Fred Harteis, Greg Duncan, Ron Puryear, Don Wilson

© 2006 Esource News reprint permission to Billy Florence Team Dream Chasers web blog.

Billy Florence - Success Habits

Creating proper habits is very important. If someone desires to get in better shape, they don't have to go run marathons all the time. It just takes doing the RIGHT things on a consistent basis. The consistent basis part is the key. After we do something on a consistent basis is becomes a habit...

Billy Florence - TEAM: Favorites on Habits

"First we form habits, then they form us. Conquer your bad habits or they will conquer you." - Rob Gilbert

"We are what we repeatedly do. Excellence then, is not an act, but a habit." - Aristotle

"Men acquire a particular quality by constantly acting in a particular way." - Anonymous

© 2006 Florence News reprint permission to Billy Florence Team Dream Chasers site.

Randy Haugen TEAM Legacy: Change Before Adversity Requires It

Randy Haugen, “The time to dig a well is before we are thirsty. This applies to choose change before it is forced on us.”

Randy Haugen Quick Quote Favorite

“Adversity is often the window of opportunity for change. Few people or organizations want to change when there is prosperity and peace. Major changes are often precipitated by necessity.” - Leith Anderson

About Randy Haugen and Valerie Haugen

Investor Randy Haugen, owns Haugen Corporation. He is a part owner of Legacy Business Group and serves on their Board of Directors. Through his background in business management and customer service, Haugen’s businesses have matured fruitfully.

Randy Haugen has served on the International Business Owners Association International (IBOAI).

Randy enjoys the great outdoors and spending time with his family.

Randy Haugen and his wife Valorie Haugen live near Salt Lake City, Utah.


Key words: Randy Haugen Billy Florence, Rich Florence Fred Harteis, Don Wilson Colombo DiSalvatore Quixtar Team

© 2006 Esource News reprint permission to Billy Florence Team Dream Chasers web blog.

Billy Florence - Dave Ramsey's Financial Baby Steps

I may have mentioned these steps by Dave Ramsey before but they are worth sharing again. Do you ever wonder what financial priorities should come first? Dave Ramsey addresses this in his book Total Money Makeover. He gives his financial baby steps on what people should do first. They are...

$1,000 to start an emergency fund

Pay off all debt using the debt snowball

Three to six months of expenses in savings

Invest 15 percent of household income into Roth IRAs and pre-tax retirement

College funding for children

Pay off home early

Build wealth and give! Continue to invest in mutual funds and real estate.

This is great advice for the person trying to decide how much to save versus paying off debt, etc.

Additional Resources to learn more:

Get the book Total Money Makeover by Dave Ramsey

Go to www.DaveRamsey.com

© 2006 Florence News reprint permission to Billy Florence Team Dream Chasers site.

Billy Florence - A Winners Attitude

Attitude many times makes the difference between winning and losing. Having a winning attitude is an important part of success. These are some great quotes on attitude...

Billy Florence TEAM - Attitude Favorites

"Everyone has his burden. What counts is how you carry it." – Merle Miller

"The optimist sees opportunity in every danger; the pessimist sees danger in every opportunity." - Winston Churchill

"A great attitude does much more than turn on the lights in our worlds; it seems to magically connect us to all sorts of serendipitous opportunities that were somehow absent before the change." - Earl Nightingale

"Eagles come in all shapes and sizes, but you will recognize them chiefly by their attitudes." - Charles Prestwich Scott

© 2006 Florence News reprint permission to Billy Florence Team Dream Chasers site.

Colombo DiSalvatore – Reflecting On Actions

Colombo DiSalvatore, “One important skill for leaders to develop is reflective thinking. Tom Malone, president of Milliken provides an excellent case study on this.”

DiSalvatore Leadership Favorite:

“I played football in college. I wasn’t very big - only 150 pounds - and I wasn’t very good. I got hurt a lot. I broke my arm once, my neck once, and my nose six times. When I tell people about it, they always ask me, ‘Why did you keep doing it?’ For the longest time I had no answer. Then one day it hit me. If there hadn’t been any fans in the stands cheering me on-my family and friends-I wouldn’t have kept on playing and trying so hard. But there were, so I did.”

Tom Malone, Milliken & Company

About Colombo DiSalvatore & Karen DiSalvatore

Colombo DiSalvatore and Karen DiSalvatore own DiSalvatore Inc. Colombo DiSalvatore is a part owner of Legacy Business Group and serves on their Board of Directors. Through his background in business management and development skills, DiSalvatore’s businesses have thrived.

The Karen and Columbo DiSalvatore family are hockey enthusiasts.

DiSalvatore is a member of on the International Business Owners Association International (IBOAI).


Key words: Randy Haugen Billy Florence, Rich Florence Colombo DiSalvatore, Don Wilson Quixtar Team.

© 2006 Colombo DiSalvatore - Esource News reprint permission to Billy Florence Team Dream Chasers web blog.

Billy Florence & Peggy Florence - Team Work

Billy Florence & Peggy Florence, “When building a team for a winning sports season, for business or charity each person can bring a unique talent or skill that makes the end result work better than any of the people or “ingredients” could offer separately. As this story explains…”


Billy Florence and Peggy Florence Team Work Wisdom Favorite

When complimented on her flaky and moist homemade biscuits, the head of the school cafeteria explained to the parent, “Just consider what goes into the making of these biscuits. The flower itself doesn’t taste good, neither does the baking powder, nor the shortening, nor the other ingredients. However, when I mix them all together and put them in the oven, they come out just right.”

The ingredients working together create the win.

About Billy Florence & Peggy Florence

Billy Florence and Peggy Florence are members of IBOAI, independent business owners association international.

IBOAI, the official trade association of Quixtar Ibo’s, serves and protects the business interests of independent business owners. Association leadership includes Greg Duncan, Don Wilson, Billy Florence, and Jody Victor.


© 2006. All rights reserved to Billy Florence Team Dream Chasers site.

Randy Haugen: Important Words

Randy Haugen, “The word that gets the least amount accomplished when working with people is ‘I.’ Words like ‘thank you’ and ‘what’s your opinion?’ will accomplish much more.”

Randy Haugen Leadership Favorite: Words

The least important word:
I (gets the least amount done)
The most important word:
We (gets the most amount done)
The two most important words:
Thank You
The three most important words:
All is forgiven
The four most important words:
What is your opinion?
The five most important words:
You did a good job
The six most important words:
I wan to know you better

About Randy Haugen and Valerie Haugen
Investor Randy Haugen, owns Haugen Corporation. He is a part owner of Legacy Business Group and serves on their Board of Directors. Through his background in business management and customer service, Haugen’s businesses have matured fruitfully.

Randy Haugen has served on the International Business Owners Association International (IBOAI).

Randy enjoys the great outdoors and spending time with his family.

Randy Haugen and his wife Valorie Haugen live near Salt Lake City, Utah.


Key words: Randy Haugen Billy Florence, Rich Florence Fred Harteis, Don Wilson Colombo DiSalvatore Quixtar Team

© 2006 Esource News reprint permission to Billy Florence Team Dream Chasers web blog.