Monday, June 3, 2019

Curb Your Spending Habits & Save for Your Emergencies by Madeline Frank, Ph.D.


Your car just broke down and you don’t have the money to repair it! Don’t you wish you had an emergency fund to pay for it?

What's your first step?
Gabby and Jay are going to tell us how they did it! 
For one-week Gabby and Jay tracked every receipt and purchase they made including the ones for their computers. They kept all their receipts and expenses and wrote them down in a note book. They included every purchase they made even small purchases for sodas, snacks, lunches, dinners, breakfasts, groceries, going to the movies, purchasing snacks, gas for their cars, cigarettes, and any other items they purchased that week. Jay and Gabby also wrote down their weekly spending for pay pal accounts, group on offers, credit cards, game accounts and iTunes accounts on their computers.
Gabby saved all her receipts for one week and totaled all her receipts. She looked at her first couple of receipts and realized she had gone to Starbucks with her friends 5 times that week spending $4 a day for Coffee, a total of $20 for the week. She decided to go to Starbucks with her friends three times the next week, and invites her friends to share coffee at her house two days a week, and puts the $8 she saved into her Piggy Bank to start her $1000 Emergency Fund. In a months' time Gabby realizes she will save $32 and in 6 months she will save $192 towards her $1000 Emergency Nest Egg Fund.
Gabby continues looking at her receipts and realizes she bought 3 packs of cigarettes a week at $5.50 a package, $16.50 a week. Gabby says, "I spent $66 a month on cigarettes. If I cut down my smoking to a pack a week I can put $11 into my "Piggy Bank" for my Emergency Fund each week and in a month's time I will have saved a total of $44 in my "Piggy Bank" toward my $1000 Emergency Nest Egg Fund. In 6 months I will have saved $264 toward my $1000 Emergency Nest Egg Fund."
Gabby says, "If I continue to go through my receipts and eliminate the items I don't need or cut down other expenses I will have my Emergency Fund in place in less than 6 months. By cutting back on Cigarettes and coffee I've already saved $76 this month. I will go through my receipts and look at what else I can eliminate or cut down on. My goal is to have my Emergency Fund in place in 6 months. I am determined to do it!"
Jay has saved all his receipts for one week and totaled all his receipts. He looks at his first set of receipts and realizes he has 5 days of lunches at $8 a lunch for five days and he's spent $40 on lunches this week. He says, "If I bring a bag lunch to work three days a week, I can save $24 to put in my "Tin Can" to start my $1000 Emergency Nest Egg Fund. In a month's time I will have saved $96." Jay then goes to his computer receipts and realizes he's spend $45 a week on his computer for his PayPal accounts, Groupon offers, credit cards, game accounts and his iTunes account. He says, "Do I really need these accounts, are they going to help me get my Emergency Fund up and running? These purchases are bleeding away my hard earned money. I'm going to close these accounts. That way I can put $180 a month into my "Tin Can" to save for my $1000 Emergency Fund. I will go through my receipts and look at what else I can eliminate or cut down on. My goal is to have my Emergency Fund in place in 6 months. I know I can do it!"
So, what are the three steps for you to save for your $1000 Emergency just like Jay and Gabby?
Track your spending for one week. Keep all your receipts and expenses for the week, writing them down in a note book, and at the end of the week add them together to get your total expenses for the week. Include every purchase you make even small purchases for sodas, snacks, lunches, dinners, breakfasts, groceries, going to the movies, purchasing snacks, gas for your car, cigarettes, and any other items you purchased that week. Also list your weekly spending for pay pal accounts, group on offers, credit cards, game accounts and iTunes accounts on your computer.
2. Evaluate each of your receiptsjust like Gabby and Jay did, and decide if it is a needed expense or not and start putting your saved money into your Emergency Fund "Piggy Bank or Tin Bank".
3) Look at your computer receipts like Jay did and decide if your weekly pay pal accounts, group on offers, credit cards, game accounts, and iTunes accounts on your computer can be eliminated or cut back. 
Jay turned off his pay pal account, his Groupon offers, his game accounts, his iTunes account and stopped spending his credit card money on things he didn't need. 
Jay said, "These purchases are bleeding away my hard-earned money."
By following these three steps and being determined and disciplined to do it, you will be like Gabby and Jay, able to set up your $1000 Emergency Fund.
You can also save on gas for your car each week by being aware of which gas station has a special day for saving 5cents for each gallon you purchase. In our City it's every Thursday. What day is it in your City or town? Every penny you save can go into your $1000 Emergency Nest Egg Fund. The sooner you start the sooner you will have your $1000 Emergency Fund in place.

This article is the second of four articles on teaching you, to take hold of your finances.
If you need a speaker contact Madeline at: mfrankviola@gmail.com



Madeline Frank, Ph.D., DTM is an Amazon.com Best Selling Author, speaker, business owner, teacher, John Maxwell Team Member, conductor, and concert artist. She helps businesses and organizations “Tune Up their Business”. Her observations show you the blue prints necessary to improve and keep your business successful. Her latest book “Leadership On A Shoestring Budget” is available everywhere books are sold. If you need a speaker contact Madeline at: mfrankviola@gmail.com




Friday, May 10, 2019

PENNIES TODAY EQUALS PROSPERITY TOMORROW by Madeline Frank, Ph.D.

Developing the discipline of saving and investing is paying yourself first.

My friend Stewart taught his teenage daughter to save 40 cents out of each $1 she earned, beginning with her first job. She continued to do this through high school, college, and with her jobs as an adult. She now is the proud owner of two condos. Learn to save your money for your future car, house, condo, or other necessity and teach your family and friends to do this too.

My Momma, Romayne Leader Frank, taught me in high school to make a budget of my expenses, to keep a ledger of the money going into the bank and the money to be paid out for expenses. She also taught me to put my entire pay check in the bank, to pay all my bills, and to take out only the necessary amount for food and spending money. The remaining money went into my savings account. As a college student, I always had a job to help me pay my tuition, my apartment rent, utilities, and food.

 So, start today to save your pennies and begin your prosperity for tomorrow.

This article is the first of four articles on teaching you, to take hold of your finances.



Madeline Frank, Ph.D., DTM is an Amazon.com Best Selling Author, speaker, business owner, teacher, John Maxwell Team Member, conductor, and concert artist. She helps businesses and organizations “Tune Up their Business”. Her observations show you the blue prints necessary to improve and keep your business successful. Her latest book “Leadership On A Shoestring Budget” is available everywhere books are sold. If you need a speaker contact Madeline at: mfrankviola@gmail.com

Friday, April 12, 2019

Communication Road Blocks You Can’t See On Your Own by Madeline Frank, Ph.D., DTM

Are there some elements preventing you from connecting and communicating with others? You have a great potential inside of you! How can you unlock it?

Are there are some elements preventing you from connecting and communicating with others? For example, having a thick southern accent does not help you in New York City to get your dream job in public relations. Or maybe having a Brooklyn accent in Alabama. Your accent is costing you!

What other things can distract people that you are trying to connect with? Moving like a panther can be distracting when you are trying to get your message across to close a sale! Use of verbal filler words um, ah, like, you know are also a deal killer and detract from connecting with people. Sometimes you don’t even realize what you are doing and people won’t tell you.

People don’t know what they do, until it is pointed out to them. My husband and I saw one of these communication distractions in a recent revival of Lerner and Loewe’s “My Fair Lady” in New York City. Eliza Doolittle speaks with a thick cockney accent selling flowers outside of Covent Garden. Professor Henry Higgins, an expert on improving accents, hears Eliza speak and compares her voice to a “bilious pigeon”. Eliza immediately imitates expertly, the sound of the pigeon. As he speaks in his clear speaking voice, Eliza realizes her thick cockney accent is not helping her sales. 

She listens when he says his address. She has saved her money and visits Higgins hoping to engage his services for speaking lessons. She’s decided she wants to invest in hiring Professor Higgins to make a better life for herself. Higgins sees a challenge and has a wager with Colonel Pickering, a linguist and agrees to assist Eliza to improve her speaking to help her get a better job.

The audience watches fascinated as Eliza Doolittle changes, step by step, as Professor Higgins mentors her. 

On reflection, Professor Higgins, pin pointed a few things that Eliza needed to modify to improve her speaking skills. He did not overwhelm her. Higgins observed her, offered critique, encouraged her to change specific things, had her practice them, and then he listened again.
Just as there may be little things you are doing wrong, a coach, can help you pin point a few things to modify to improve your performance.
Graduate concert at University: 
One of my students, Mandie, at the university was preparing for her graduation recital. She was practicing in the hall with her pianist, Jay. The pianist was covering up her beautiful playing on the violin. The balance between the instruments was not right! 
I immediately stopped the rehearsal! 
I went over to the piano, put the lid down, to soften the piano, and asked the pianist “very softly”, to play softer when the violinist was playing so as not to cover up the violinist’s beautiful phrasing. 
Then I worked with them showing them, how to reshape the musical phrases with a full controlled range of dynamics and accents.
As we worked together to paint a picture of the music with beautiful phrasing, the two musicians began listening and supporting each other and playing together as a team.
 After working with them for 30 minutes, I walked to the back of hall to listen and experience what the audience would hear from the two performing. It was an amazing transformation. The violinist and pianist were making beautiful music together, that their audience would enjoy! 
The key is to find a coach, or mentor who is an expert at the skill you want to excel at.
 Coaching others to improve their speeches: 
When I’m coaching a beginning speaker student to write out their first speech, they ask me, what do I do first?
I ask them: 

1) What is the purpose of your speech? What do you want your audience to do when they leave your speech? What is your “Call to Action?” 
2) What stories do you have to support this speech? 

Then I ask them to write out their stories and then write out a one-line point of the story. (Tell a story, make a point. Then tell another story and make another point.)

Every top performer, communicator, or professional understands finding a qualified coach or mentor helps them reach their goal faster.
Building the habits of improving your speaking and communication skills will improve your life professionally.

Madeline Frank, Ph.D., is a 2014 Certified World Class Speaking Coach. She has been coaching and mentoring business professionals to be champion speakers for over 7 years. She is an Amazon.com Best Selling Author, speaker, business owner, teacher, and concert artist. She helps businesses and organizations "Tune Up their Business". Her observations show you the blue prints necessary to improve and keep your business successful.  Her latest book "Leadership On A Shoestring Budget" is available everywhere books are sold.  

If you need a speaker or coach contact Madeline at: mfrankviola@gmail.com


Wednesday, March 13, 2019

How to Move Forward When You Are Burned Out by Madeline Frank, Ph.D., DTM

How many of you have felt burned out or in a rut?
Maybe you have started a project, a relationship, or something else, and you have lost your excitement for it!

I’m reminded of a story by Joseph P. Klock about “A group of refugees about to flee a war zone by hiking over some of the most rugged terrain in their country. As they were leaving, they were approached by a frail, old man and a sickly mother carrying an infant. The leaders of the group agreed to take them along with the understanding that the men would take turns carrying the baby, but that the mother and the old man would have to make it on their own.”

“Several days into the journey, the old man fell to the ground, too exhausted to continue and pleading to be left behind to die. Facing harsh reality, the leaders of the group reluctantly agreed and started on their way.”
“Suddenly, the young mother placed her baby in the old man's arms” as he lay prostrate on the ground. She said to him, “It is your turn to carry the baby!”
The young mother continued walking away with the other refugees. A few minutes later “she allowed herself to look back”.
“She saw the old man stumbling along the trail with the baby in his arms.”
The young mother gave the old man a purpose in life. She needed him to carry the baby. When the old man suddenly had a purpose in life, he became empowered with a burst of energy he did not know he had.  He was determined and motivated to bring the baby to safety. His purpose and goal were set.  He was needed and empowered to get the baby to safety!
Did you notice at the beginning of the story the young mother was described as “sickly”? 
The journey fleeing from the war zone to bring her baby to safety and bring the old man to safety gave her a purpose, and the energy and strength she needed to move forward! The sickly mother was transformed to one filled with strength, energy, and purpose. She was filled with hope! 
People are social creatures. They do not go through life alone. Every living thing needs to feel wanted, needed, and loved. Everyone needs hope and purpose!
So, what does this mean for you?
How do you continue forward to get out of your rut?
1)   Go help someone else. It won’t come natural to you. Just do it!
2)   Feed the homeless, go to a local shelter and lend a hand. Do something for someone less fortunate who needs help. It’s time to shake up your world.  
Helping other people we care about is crucial to moving us away from our rut!
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Madeline Frank, Ph.D., DTM is an Amazon.com Best Selling Author, speaker, business owner, teacher, John Maxwell Team Member, conductor, and concert artist. She helps businesses and organizations “Tune Up their Business”. Her observations show you the blue prints necessary to improve and keep your business successful. Her latest book “Leadership On A Shoestring Budget” is available everywhere books are sold. If you need a speaker contact Madeline at: mfrankviola@gmail.com


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Tuesday, February 26, 2019

Great Leaders Just Do A Little Bit More by Madeline Frank, Ph.D., DTM

What do great leaders care about? What is important to them? What do they have in common?
John C. Maxwell says, “Leaders come into any situation, no matter how down it may be, and they have the ability to help people see the light at the end of the tunnel. Leaders see the problem as an opportunity.”
Great leaders often emerge from the ashes of great turmoil and desperation. The greatest leaders understand that they are not the solution, but they are a catalyst to help people envision prosperity and take action toward pursuing their goals. 
Prime Minister Winston Churchill was elected to the position of Prime Minister during the darkest days of World War II when all signs pointed to inevitable defeat by the Nazis. 
His speeches inspired hope, pride, and the motivation to fight for their country! 
Before speaking at the House of Commons and giving his most famous speech, Churchill walked among his people, rode on the subways with them, and asked them what they thought of their country and what they wanted him to do to protect it! 
 “Never, never, never, never give up —in nothing, great or small, large or petty—never give in, except to convictions of honor and good sense. ... Never yield to the apparently overwhelming might of the enemy”. 
Churchill inspired and motivated his nation to act with these words! They were the fuel that the citizenry needed to achieve a victory. 
Prime Minister Margaret Thatcher in 1979 became the new leader of Great Britain. Her country was bankrupt, had rising unemployment, rioting in the streets, rising inflation, and crippling labor strikes. 
Thatcher understood that government was not the solution to the problems her country was currently facing, run-away government power was the problem
She immediately worked with her team of like-minded experts, to privatize all nationalized industries such as utilities, aerospace firms and the National Freight Company. These enterprises were sold at favorable terms to promote private enterprise and reduce government power, promoting the rights of individuals who would pay mortgages on their new properties. 
Public housing was sold to its tenants at discounts to promote home ownership of individuals who would be property owners paying a mortgage on their new properties.
Great Britain prosperity was crippled by labor unions with their intimidation and strikes. Prime Minister Thatcher stood firm against these unions by bringing the coal industries and the steel industries under proper balance. 
She was a problem solver putting her “faith in freedom, free markets, limited government, and a strong national defense”.  She was a servant leader, inspiring, encouraging, motivating, and giving hope to Great Britain. 
President Ronald Reagan, the Great Communicator was a servant leader. He valued and connected with people wanting the best for them. In President Reagan’s State of the Union speeches, he told the stories of everyday people who would be sitting in the gallery by his family. As he told their stories he would ask them to stand up.
Michael Deaver was deputy chief of staff for Ronald Reagan for 30 years. Deaver said, "Ronald Reagan was one of the shyest men I'd ever met." Deaver was asked, "Why Reagan had such rapport with the press corps?"  He replied, "Well, Reagan basically liked people, whether they were part of the press corps or whether they were just ordinary people. That comes through."
Reagan cared about people regardless of their occupation or position in life. Deaver said, "Everyone liked being around Ronald Reagan because he loved people and connected with them. He understood that relationships were the glue that held his team members together- the more solid the relationship, the more cohesive his team."
Dan Quiggle said, "Ronald Reagan spoke plainly and genuinely to the American people- from his heart and with genuine sincerity about what he believed was best for America and for the world."
Ronald Reagan understood that connecting with others was the first step toward being able to lead. He asked questions and listened attentively; wanting to find out answers and common ground with the people they connected to. 
At Walt Disney World® Resort, Lee Cockerell was the leader at the helm for over 10 years. He was a servant leader. He says, “everyone is important. Make your people your brand.” Show them appreciation, recognition, and give them encouragement. He also says, “Give people a purpose, not just a job. To become a better leader, infuse quality, character, courage, enthusiasm, and integrity into your workplace and into your lives.”
So, what can you do today?
1)  Value people every chance you get. Show them appreciation and respect, no matter if they are the janitors in the building or are your teammates. Everyone matters and is important to you.
2)  Listen more. No one ever grows tired of talking about themselves. Show them you care about them and like them by listening carefully to their responses.
3)  Give people hope, inspiration, encouragement, and motivation to do a good job for your company. Give people purpose and empowerment.
One quote I like to live by is from Art Linkletter who said, “Do a little more than you are paid to, give a little more than you have to, try a little harder than you want to, aim a little higher than you think possible, and give a lot of thanks to God for health, family, and friends.”
What one thing will you do starting today to step up your leadership just “a little bit more”?


Madeline Frank, Ph.D., DTM is an Amazon.com Best Selling Author, speaker, business owner, teacher, John Maxwell Team Member, conductor, and concert artist. She helps businesses and organizations “Tune Up their Business”. Her observations show you the blue prints necessary to improve and keep your business successful. Her latest book “Leadership On A Shoestring Budget” is available everywhere books are sold. If you need a speaker contact Madeline at: mfrankviola@gmail.com





Tuesday, January 8, 2019

3 New Leaves for Your New Year by Madeline Frank, Ph.D., DTM



What three things can you do today that will improve your life and those around you immediately?

Zig Ziglar, motivational expert and author said, “It takes 72 muscles to frown and 14 to smile.” Lighten your load by smiling! Alfred Adler, “well-known psychologist, later reaffirmed that if we make our selves smile, we actively feel like smiling.”

Dr. Ronald Riggio, Professor of Leadership and Organizational Psychology in his Psychology Today article said, “There’s magic in your smile. You’re actually better-looking when you smile- and I’m not just trying to butter you up.”

He says, “When you smile, people treat you differently. You’re viewed as attractive, reliable, relaxed, and sincere. A study published in the journal Neuropsychologia reported that seeing an attractive, smiling face activates your orbitofrontal cortex, the region in your brain that process sensory rewards. This suggests that when you view a person smiling, you actually feel rewarded.”

I was recently in the local Food Lion buying groceries and smiled at another lady who looked harassed and unhappy! A few moments later she looked back and smiled. When someone needs a smile loan them yours!

Zig Ziglar summed it up this way, “Our moods match our posture, and more important, people around us tend to feel as we feel. Mood is contagious.”

Second, encouragement is the key! Giving a sincere compliment shows appreciation. 

Herm Albright told the following story: “After watching a middle-aged waitress going about her business efficiently but with a smile for everyone, I decided to compliment her on her good humor.”

‘Well,’ she said, continuing her work, ‘it’s like this. If you see the twinkles you won’t notice the wrinkles.”

Ziglar says, “She’s right. A simple word of encouragement or a pleasant smile does inspire people to do better. Interestingly enough, however, the person doing the encouraging, whether it’s in the form of a simple smile, a little note or a verbal “you’re doing good,” automatically feels better about life itself and, more importantly, about himself.”

Mary Kay Ash said, “Thousands of people have gone farther than they thought they could because somebody else thought they could. What that someone else did was to offer encouragement, which is the “fuel” of hope.”
Mr. Ziglar, “The question is, how often do you give someone a word of encouragement, a verbal thank-you or a simple little note that says “I genuinely appreciate your efforts – you’re doing a beautiful job?”

Reverend Chalfant tells the story of a couple in his church celebrating their “Golden Wedding Anniversary”, 50 years of being happily married. Reverend Chalfont asked his parishioner, “What is the secret of your long happy marriage?”

His parishioner replied, “Sarah, was the only girl I ever dated. I grew up in an orphanage and worked hard for everything I had. I never had time to date until Sarah swept me off my feet. Before I knew it, she had managed to get me to ask her to marry her. After we said our vows on our wedding day, Sarah’s father took me aside and handed me a small gift.”

Sarah’s father said to his new son in law, “Within this gift is all you really need to know to have a happy marriage.”

Son in law said, “I nervously open the beautifully wrapped gift. Within the box lay a large gold watch. With great care I picked it up. Upon close examination I saw etched across the face of the watch, “Say something nice to Sarah”.

He said, “I made a point of saying something nice to my beloved wife, just as the watch reminded me to each morning for 50 years. That’s is the secret of my long and happy marriage.”

If every morning you said something nice, gave a sincere compliment, to your spouse, your children, your family members, and your team members at work wouldn’t you connect better and have a happier day?

Third, “Your attitude, not your aptitude, will determine your altitude. Positive thinking will let you do everything better than negative thinking will.”  –Zig Ziglar 

Have an attitude of gratitude by being grateful for your blessings and develop a positive mental attitude. Having a positive mental attitude helps to motivate and encourage you, to solve your problems, and have a happier and more meaningful life.

So, start spreading your good will today by smiling, giving a sincere compliment, and having a positive mental attitude.


Madeline Frank, Ph.D., DTM is an Amazon.com Best Selling Author, speaker, business owner, teacher, conductor, and concert artist. She helps businesses and organizations “Tune Up their Business”. Her observations show you the blue prints necessary to improve and keep your business successful. Her latest book “Leadership On A Shoestring Budget” is available everywhere books are sold. If you need a speaker contact Madeline at: mfrankviola@gmail.com

Wednesday, December 12, 2018

Leaders Walk Slowly by Madeline Frank, Ph.D., DTM

Walk slowly and connect with others.

For over 30 years I have attended business meeting each week.  I arrive at least 15 to 20 minutes ahead of time to greet the other attendees, ask how each of them and their families are doing, and listen carefully to their responses with a smile on my face. Leaders care about their team members and connect with them. As Dr. John Maxwell says, “Leaders walk slowly through the crowd stopping to ask others how they are and listening attentively to their answers.”

We had the company Christmas Party, last week and that is exactly what I did. There were about 50-60 people in attendance.  I walked around slowly through the room stopped by each person smiled and asked how they were doing and their children. It took over an hour to do this, but everyone enjoyed talking about themselves and were happy that I cared enough to ask and listen intently to them.  Prime Minister Benjamin Disraeli taught me this secret of connecting with others.

Identify one or two places in your life to slow down and connect with others.





Madeline Frank, Ph.D., DTM is an Amazon.com Best Selling Author, speaker, business owner, teacher, conductor, and concert artist. She helps businesses and organizations “Tune Up their Business”. Her observations show you the blue prints necessary to improve and keep your business successful. Her latest book “Leadership On A Shoestring Budget” is available everywhere books are sold. If you need a speaker contact Madeline at: mfrankviola@gmail.com


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Madeline Frank, Ph.D. business owner, teacher, researcher, speaker and concert artist. She writes a monthly newsletter "Madeline's Monthly Article & Musical Tips" and a monthly radio show "Madeline's One Minute Musical Radio Show".