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	<title>Joell Hill</title>
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	<description>Software Developer, Lending a Helping Hand</description>
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		<title>Stopping A Pending Service</title>
		<link>http://joellhill.com/2011/08/stopping-a-pending-service/</link>
		<comments>http://joellhill.com/2011/08/stopping-a-pending-service/#comments</comments>
		<pubDate>Wed, 31 Aug 2011 20:23:29 +0000</pubDate>
		<dc:creator>Joell</dc:creator>
				<category><![CDATA[Real World Problems]]></category>

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		<description><![CDATA[This is useful if you need to stop a service stuck in a &#8220;STOP_PENDING&#8221; state. All you have to do is find the PID of the service. You can do so by typing at the command line prompt sc queryex &#60;servicename&#62; This will return alot of information including the PID number of the service. After [...]]]></description>
			<content:encoded><![CDATA[<p>This is useful if you need to stop a service stuck in a &#8220;STOP_PENDING&#8221; state.</p>
<p>All you have to do is find the PID of the service.</p>
<p>You can do so by typing at the command line prompt</p>
<p><strong>sc queryex &lt;servicename&gt;</strong></p>
<p>This will return alot of information including the PID number of the service. After you have the PID you can then stop the service by the command</p>
<p><strong>taskkill /F /PID &lt;PID Number&gt;</strong><br />
Hope this helps someone</p>


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		<title>ADDITIONAL SUPPORT  FOR TARGETED FORECLOSURE</title>
		<link>http://joellhill.com/2010/09/additional-support-for-targeted-foreclosure/</link>
		<comments>http://joellhill.com/2010/09/additional-support-for-targeted-foreclosure/#comments</comments>
		<pubDate>Thu, 30 Sep 2010 19:16:35 +0000</pubDate>
		<dc:creator>Joell</dc:creator>
				<category><![CDATA[For Homeowners]]></category>

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		<description><![CDATA[OBAMA ADMINISTRATION ANNOUNCES ADDITIONAL SUPPORT FOR TARGETED FORECLOSURE-PREVENTION PROGRAMS TO HELP HOMEOWNERS STRUGGLING WITH UNEMPLOYMENT Treasury’s Hardest Hit Fund Will Provide $2 Billion of Additional Assistance in 17 states and the District of Columbia; HUD to Launch a New $1 Billion Program to Help Unemployed Borrowers in Other Areas WASHINGTON – The Obama Administration today [...]]]></description>
			<content:encoded><![CDATA[<h2 style="text-align:center;">OBAMA ADMINISTRATION ANNOUNCES ADDITIONAL SUPPORT<br />
FOR TARGETED FORECLOSURE-PREVENTION PROGRAMS<br />
TO HELP HOMEOWNERS STRUGGLING WITH UNEMPLOYMENT</h2>
<p  style="text-align:center;"><em>Treasury’s Hardest Hit Fund Will Provide $2 Billion of Additional Assistance<br />
in 17 states and the District of Columbia; HUD to Launch a New $1 Billion Program<br />
to Help Unemployed Borrowers in Other Areas </em></p>
<p><strong>WASHINGTON </strong>– The Obama Administration today announced additional support to help homeowners struggling with unemployment through two targeted foreclosure-prevention programs. Through the existing Housing Finance Agency (HFA) Innovation Fund for the Hardest Hit Housing Markets (the Hardest Hit Fund), the U.S. Department of the Treasury will make $2 billion of additional assistance available for HFA programs for homeowners struggling to make their mortgage payments due to unemployment. Additionally, the U.S. Department of Housing and Urban Development (HUD) will soon launch a complementary $1 billion Emergency Homeowners Loan Program to provide assistance – for up to 24 months – to homeowners who are at risk of foreclosure and have experienced a substantial reduction in income due to involuntary unemployment, underemployment, or a medical condition.</p>
<p>“We remain committed to helping struggling homeowners, and this program will provide additional assistance to states hit hardest by unemployment,” said Assistant Secretary for Financial Stability Herb Allison.  “This is part of the Administration’s comprehensive housing policy that has helped to stabilize a fragile housing market and allows responsible homeowners the chance to reduce their monthly mortgage payments to affordable levels.”</p>
<p>“HUD’s new Emergency Homeowner Loan Program will build on Treasury’s Hardest Hit initiative by targeting assistance to struggling unemployed homeowners in other hard hit areas to help them avoid preventable foreclosures,” said Bill Apgar, HUD Senior Advisor for Mortgage Finance.  “Together, these initiatives represent a combined $3 billion investment that will ultimately impact a broad group of struggling borrowers across the country and in doing so further contribute to the Administration’s efforts to stabilize housing markets and communities across the country.”</p>
<p><strong><span style="text-decoration: underline;">Hardest Hit Fund</span></strong><br />
President Obama first announced the Hardest Hit Fund in February 2010 to allow states hit hard by the economic downturn flexibility in determining how to design and implement programs to meet the local challenges homeowners in their state are facing.</p>
<p>Under the additional assistance announced today, states eligible to receive support have all experienced an unemployment rate at or above the national average over the past 12 months. Each state will use the funds for targeted unemployment programs that provide temporary assistance to eligible homeowners to help them pay their mortgage while they seek re-employment, additional employment or undertake job training.</p>
<p>States that have already benefited from previously announced assistance under the Hardest Hit Fund may use these additional resources to support the unemployment programs previously approved by Treasury or they may opt to implement a new unemployment program.  States that do not currently have Hardest Hit Fund unemployment programs must submit proposals to Treasury by September 1, 2010 that, within established guidelines, meet the distinct needs of their state.</p>
<p>The states eligible to receive funds through this additional assistance, along with allocations based on their population sizes, are as follows:</p>
<table border="0" cellpadding="2" width="43%">
<tbody>
<tr>
<td width="41%">Alabama</td>
<td width="59%">$60,672,471</td>
</tr>
<tr>
<td>California</td>
<td>$476,257,070</td>
</tr>
<tr>
<td>Florida</td>
<td>$238,864,755</td>
</tr>
<tr>
<td>Georgia</td>
<td>$126,650,987</td>
</tr>
<tr>
<td>Illinois</td>
<td>$166,352,726</td>
</tr>
<tr>
<td>Indiana</td>
<td>$82,762,859</td>
</tr>
<tr>
<td>Kentucky</td>
<td>$55,588,050</td>
</tr>
<tr>
<td>Michigan</td>
<td>$128,461,559</td>
</tr>
<tr>
<td>Mississippi</td>
<td>$38,036,950</td>
</tr>
<tr>
<td>Nevada</td>
<td>$34,056,581</td>
</tr>
<tr>
<td>New Jersey</td>
<td>$112,200,638</td>
</tr>
<tr>
<td>North Carolina</td>
<td>$120,874,221</td>
</tr>
<tr>
<td>Ohio</td>
<td>$148,728,864</td>
</tr>
<tr>
<td>Oregon</td>
<td>$49,294,215</td>
</tr>
<tr>
<td>Rhode Island</td>
<td>$13,570,770</td>
</tr>
<tr>
<td>South Carolina</td>
<td>$58,772,347</td>
</tr>
<tr>
<td>Tennessee</td>
<td>$81,128,260</td>
</tr>
<tr>
<td>Washington, DC</td>
<td>$7,726,678</td>
</tr>
</tbody>
</table>
<p><strong><span style="text-decoration: underline;">HUD Emergency Homeowners Loan Program</span></strong><br />
This new program will complement Treasury’s Hardest Hit Fund by providing assistance to homeowners in hard hit local areas that may not be included in the hardest hit target states.  Those areas are still being determined.</p>
<p>The program will work through a variety of state and non-profit entities and will offer a declining balance, deferred payment “bridge loan” (zero percent  interest, non-recourse, subordinate loan) for up to $50,000 to assist eligible borrowers with payments on their mortgage principal, interest, mortgage insurance, taxes and hazard insurance for up to 24 months.</p>
<p>Under the program, eligible borrowers must:</p>
<ol>
<li>Be at least three months delinquent in their payments and have a reasonable likelihood of being able to resume repayment of their mortgage payments and related housing expenses within two years;</li>
<li>Have a mortgage property that is the principal residence of the borrower, and eligible borrowers may not own a second home;</li>
<li>Demonstrate a good payment record prior to the event that produced the reduction of income.</li>
</ol>
<div style="text-align: right;"><a href="http://makinghomeaffordable.gov/pr_08112010.html" target="_blank">See source article here &#8211;></a>
</div>


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		<title>The Death of Martial Arts</title>
		<link>http://joellhill.com/2010/09/the-death-of-martial-arts/</link>
		<comments>http://joellhill.com/2010/09/the-death-of-martial-arts/#comments</comments>
		<pubDate>Wed, 29 Sep 2010 21:17:45 +0000</pubDate>
		<dc:creator>Joell</dc:creator>
				<category><![CDATA[Thoughts]]></category>

		<guid isPermaLink="false">http://joellhill.wordpress.com/?p=37</guid>
		<description><![CDATA[Im pretty sure a black belt in karate is about as cool as a black belt in cheerleading. Just saying This was a quote by a good friend of mine a few weeks ago on his facebook page. While I felt like I wanted to knock him upside the head I cannot and will not [...]]]></description>
			<content:encoded><![CDATA[<blockquote><p>Im pretty sure a black belt in karate is about as cool as a black belt in cheerleading. Just saying</p></blockquote>
<p>This was a quote by a good friend of mine a few weeks ago on his facebook page.  While I felt like I wanted to knock him upside the head I cannot and will not fault him for making such a statement.  Why I say this? Why do I agree with something that is just a blatant denigration of the sport I hold dear? Well, because I have seen it myself.</p>
<p>Growing up when someone told me they were a black belt in some form of martials arts, I always believed that in some way form or fashion, they can probably kick my ass.  You regarded that person with respect and never ever really wanted to pick a fight with them.  Unless of course your the type that likes to prove your baddest in your own little world.</p>
<p>But these days a person with a black belt is as common as a McDonalds at the corner.  They are everywhere now.  Now this is not a knock on the Arts because within the core they are still deadly but too many have become mainstreamed and family oriented for money making purposes.  </p>
<p>Gone are the fundamental principles of what makes Martial Arts so unique as an Art form and fitness.  It&#8217;s not about kicking and punching it&#8217;s about finding out who you are, steeling the mind through challenges and coming out a more humble, stronger person then when you went in.</p>
<p>When I started this post I planned to go the route of attacking the practitioners of martial arts because of the fast progression of some schools with their students.  It bothers me to see so many black belts who are not over 40 that cannot perform a proper kick or hold a fist properly.  But I forgot something that took me a view of Yip Man to remember.  Martial arts is not the style, or the teacher or the school.  It is the practitioner.  With that said although it bothers me, it really should not because I need to hold myself to a higher standard and lead by example.     </p>


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		<title>Light Your Candle</title>
		<link>http://joellhill.com/2010/09/light-your-candle/</link>
		<comments>http://joellhill.com/2010/09/light-your-candle/#comments</comments>
		<pubDate>Wed, 29 Sep 2010 15:10:18 +0000</pubDate>
		<dc:creator>Joell</dc:creator>
				<category><![CDATA[Empowerment]]></category>
		<category><![CDATA[Featured]]></category>

		<guid isPermaLink="false">http://joellhill.com/?p=315</guid>
		<description><![CDATA[It is better to light a candle than to curse the darkness. &#8211; Chinese Proverb With all the negativity that surrounds us, it is easy to become overwhelmed. It is also tempting to fight against the negative or to declare war on it. Yet a master teacher offered a better way: &#8220;Resist not evil, but [...]]]></description>
			<content:encoded><![CDATA[<blockquote style="text-align:center;"><p>
It is better to light a candle than to curse the darkness.<br />
&#8211; Chinese Proverb
</p></blockquote>
<p>With all the negativity that surrounds us, it is easy to become overwhelmed. It is also tempting to fight against the negative or to declare war on it. Yet a master teacher offered a better way: &#8220;Resist not evil, but overcome evil with good.&#8221;</p>
<p>Imagine you are in a dark room. Wanting the darkness to leave, you curse and fight against it. But no matter how much effort you make, the darkness remains. Turn on the light switch, however, and the night vanishes in an instant.</p>
<p>In a similar manner, when the light of truth is shed on a situation, fear and disharmony dissolve. When you send out a positive thought to another person or take a constructive action, an enormous amount of good is accomplished. Each good act begets another until a network of love and light is created.</p>
<p>The purpose of life is to reflect this light into places that are dark. Let your light shine and stay focused on the power of love. When enough of us have turned on our spiritual light switches, the earth will become as bright as a shining star. Where, then, could darkness dwell?</p>
<blockquote style="text-align:right;"><p>
&#8211; Unknown
</p></blockquote>


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		<title>Pros and Cons of Short vs Foreclosure</title>
		<link>http://joellhill.com/2010/09/pros-and-cons-of-foreclosure/</link>
		<comments>http://joellhill.com/2010/09/pros-and-cons-of-foreclosure/#comments</comments>
		<pubDate>Tue, 28 Sep 2010 15:54:53 +0000</pubDate>
		<dc:creator>Joell</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[For Homeowners]]></category>

		<guid isPermaLink="false">http://joellhill.com/?p=256</guid>
		<description><![CDATA[Short Sale vs Foreclosure what should I do? Well here is a table explaining the pros and cons Short Sales Foreclosure Pros Cons Pros Cons You can purchase a new home immediately after a short sale You may have to wait five(5) to seven(7) years before a lender will approve your application for a new [...]]]></description>
			<content:encoded><![CDATA[<p>Short Sale vs Foreclosure what should I do?  </p>
<p>Well here is a table explaining the pros and cons</p>
<table cellpadding="2" border="1" >
<tr >
<th colspan="2">Short Sales</th>
<th colspan="2">Foreclosure</th>
</tr>
<tr>
<th>Pros</th>
<th>Cons</th>
<th>Pros</th>
<th>Cons</th>
</tr>
<tr>
<td  valign="top">You can purchase a new home immediately after a short sale</td>
<td></td>
<td></td>
<td  valign="top">You may have to wait five(5) to seven(7) years before a lender will approve your application for a new home loan</td>
</tr>
<tr>
<td  valign="top">Credit reports do not show up as Short Sale</td>
<td  valign="top">Your credit score will be affected, mainly from being deficient on your loan</td>
<td></td>
<td  valign="top">Your credit score will be affected much worse than a short sale, also the word foreclosure will show up on your record which for some lenders/jobs is an instant rejection of application</td>
</tr>
<tr>
<td><b>The lender may forgive the difference in debt between what you owe and the final price</b></td>
<td  valign="top">You may be hit with a deficiency judgement for the remainder of the loan, but this remainder will be much less than a foreclosure</td>
<td></td>
<td  valign="top">You will MOST LIKELY be hit with a deficiency judgement for the remainder of the loan</td>
</tr>
<tr>
<td  valign="top">If primary residence you are exempt from taxes on the deficiency until 2012</td>
<td>It is a long process and it depends on how quickly you put together the right papers, how it is provided and how quickly the lender reacts</td>
<td  valign="top">If primary residence you are exempt from taxes on the deficiency until 2012</td>
<td></td>
</tr>
<tr>
<td  valign="top">You can stay in the house until closing date is finalized. </td>
<td></td>
<td  valign="top">Same as short sale except most homeowners ignore notices from the bank which then leads to a surprise when they are evicted</td>
<td></td>
</tr>
</table>


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		<title>Here is my creed</title>
		<link>http://joellhill.com/2010/09/here-is-my-creed/</link>
		<comments>http://joellhill.com/2010/09/here-is-my-creed/#comments</comments>
		<pubDate>Tue, 28 Sep 2010 11:56:13 +0000</pubDate>
		<dc:creator>Joell</dc:creator>
				<category><![CDATA[Empowerment]]></category>

		<guid isPermaLink="false">http://joellhill.com/?p=279</guid>
		<description><![CDATA[Here is my creed: I believe in one God, the Creator of the universe. That he governs it by his providence. That he ought to be worshipped. That the most acceptable service we render to him is in doing good to his other children. That the soul of man is immortal, and will be treated [...]]]></description>
			<content:encoded><![CDATA[<blockquote>
<p style="text-align: left;">Here is my creed:  I believe in one God, the Creator of the universe.  That he governs it by his providence.  That he ought to be worshipped.  That the most acceptable service we render to him is in doing good to his other children.  That the soul of man is immortal, and will be treated with justice in another life respecting its conduct in this.  These I take to be the fundamental points in all sound religion.</p>
<p style="text-align:center;">&#8211;Benjamin Franklin</p>
</blockquote>
<p>The concept of respect and tolerance for all of God’s children has to be the forefront of any agenda for this country to remain strong.  The more I try to stay away from religious talks the more I keep getting drawn back into it.  Definitely the law of attraction working as since I feel so strongly about it it just comes right back to me.  It is so important for the future that people stop using Religion as a weapon.  Stop using it to attack others just because it has a different book/outlook/dress code/or what you smoke.  Now I am not saying hey lets make a religion based on star wars….(<a href="http://urbanlegends.about.com/library/weekly/aa041601a.htm" target="_blank">oh wait</a>) but there is a point where common sense has to step in.  You know that little nudge at the back of head indicating whether something is wrong or right.  But I guess for some it is inverted.</p>
<p>This whole concept of my religion is better than yours or your religion caused this or that is crazy.  To me it is analogous to saying Wing Chun is the greatest Martial Art in the world.  Now if you are say “Yip Man” then yeah maybe so but the idea that one style is better is farfetched as it all depends on how well you know your chosen art.  Same thing with religion.  What does it matter what syntax you speak, isn’t the concept the same?  Now yes as humans we interpret and go overboard at times but just because some proclaimed “expert” says something doesn’t make it truth.  He could be wrong.</p>
<p>I think that people forget that the only thing you can control is your own actions.  If your are supposedly living in the divine or walking with God then what does it matter what person x y and z is doing.  What are your beliefs? And how strong are they?  Everything starts with you, and you only.</p>


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		<title>Alternatives To Foreclosure</title>
		<link>http://joellhill.com/2010/08/alternatives-to-foreclosure/</link>
		<comments>http://joellhill.com/2010/08/alternatives-to-foreclosure/#comments</comments>
		<pubDate>Sun, 15 Aug 2010 19:09:59 +0000</pubDate>
		<dc:creator>Joell</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[For Homeowners]]></category>

		<guid isPermaLink="false">http://joellhill.com/?p=248</guid>
		<description><![CDATA[If you or someone you know is facing foreclosure there is still time for you to prevent the dreaded &#8220;F word&#8221;. Here a some things you can do about it: Loan modification You will need to work with your lender to negotiate a modification of your loan terms to see if any change can be [...]]]></description>
			<content:encoded><![CDATA[<p>If you or someone you know is facing foreclosure there is still time for you to prevent the dreaded &#8220;F word&#8221;.  Here a some things you can do about it:</p>
<ul>
<li>
<h4>Loan modification</h4>
<p>You will need to work with your lender to negotiate a modification of your loan terms to see if any change can be done to support your new financial position.  If you would like to know if you can qualify for a loan modification send an email to <a href="mailto:homereliefoptions@gmail.com">Home Relief Options</a> for other loan modification programs</li>
<li>
<h4>Deed In Lieu</h4>
<p>You basically transfer the title of your home to the servicer of your loans.  Stipulations apply of course you can go here to learn more about Deed In Lieu&#8217;s <a href="http://makinghomeaffordable.gov/hafa.html" target="_blank">HAFA Program</a></li>
<li>
<h4>Pay off the balance of the mortgage</h4>
<p>Self Explanatory</li>
<li>
<h4>Short Sale</h4>
<p>If all else fails this may be your last and BEST option.  Basically you are selling your home for about the balance left on the loan.  You can do this on your own or you can have a team do this for you at <strong>NO CHARGE</strong> to you whatsoever.  If you have questions or need to speak to someone about your situation contact <a href="mailto:homereliefoptions@gmail.com">Home Relief Options</a> for assistance or visit <a href="http://www.homereliefoptions.info" target="_blank">Home Relief Options</a></li>
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		<title>Fannie Mae Increases Penalties for Borrowers Who Walk Away</title>
		<link>http://joellhill.com/2010/08/fannie-mae-increases-penalties-for-borrowers-who-walk-away/</link>
		<comments>http://joellhill.com/2010/08/fannie-mae-increases-penalties-for-borrowers-who-walk-away/#comments</comments>
		<pubDate>Fri, 13 Aug 2010 16:41:08 +0000</pubDate>
		<dc:creator>Joell</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[For Homeowners]]></category>

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		<description><![CDATA[It seems as though the lenders are stepping up and doing their part to reduce the number of foreclosures on their books.  Check it out here. Fannie Mae Increases Penalties for Borrowers Who Walk Away Seven-Year Lockout Policy for Strategic Defaulters WASHINGTON, DC — Fannie Mae (FNM/NYSE) announced today policy changes designed to encourage borrowers [...]]]></description>
			<content:encoded><![CDATA[<p>It seems as though the lenders are stepping up and doing their part to reduce the number of foreclosures on their books.  Check it out here.</p>
<p>Fannie Mae Increases Penalties for Borrowers Who Walk Away</p>
<p>Seven-Year Lockout Policy for Strategic Defaulters</p>
<p>WASHINGTON, DC — Fannie Mae (FNM/NYSE) announced today policy changes designed to encourage borrowers to work with their servicers and pursue alternatives to foreclosure. Defaulting borrowers who walk-away and had the capacity to pay or did not complete a workout alternative in good faith will be ineligible for a new Fannie Mae-backed mortgage loan for a period of seven years from the date of foreclosure. Borrowers who have extenuating circumstances may be eligible for new loan in a shorter timeframe.</p>
<p>&#8220;We&#8217;re taking these steps to highlight the importance of working with your servicer,&#8221; said Terence Edwards, executive vice president for credit portfolio management. &#8220;Walking away from a mortgage is bad for borrowers and bad for communities and our approach is meant to deter the disturbing trend toward strategic defaulting. On the flip side, borrowers facing hardship who make a good faith effort to resolve their situation with their servicer will preserve the option to be considered for a future Fannie Mae loan in a shorter period of time.&#8221;</p>
<p>Fannie Mae will also take legal action to recoup the outstanding mortgage debt from borrowers who strategically default on their loans in jurisdictions that allow for deficiency judgments. In an announcement next month, the company will be instructing its servicers to monitor delinquent loans facing foreclosure and put forth recommendations for cases that warrant the pursuit of deficiency judgments.</p>
<p>Source -&gt; <a href="http://www.fanniemae.com/newsreleases/2010/5071.jhtml" target="_blank">Fannie Mae Increases Penalties for Borrowers Who Walk Away</a></p>


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		<title>The F Word</title>
		<link>http://joellhill.com/2010/08/the-f-word/</link>
		<comments>http://joellhill.com/2010/08/the-f-word/#comments</comments>
		<pubDate>Fri, 13 Aug 2010 16:19:24 +0000</pubDate>
		<dc:creator>Joell</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[For Homeowners]]></category>

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		<description><![CDATA[For many people &#8220;The F Word&#8221; is that little four letter word that your mom used to tell you not to say (well at least mine did).  But to many &#8220;The F Word&#8221;  is the loss of the American Dream.  Most likely the most expensive thing they will buy in their lives they are about [...]]]></description>
			<content:encoded><![CDATA[<p>For many people &#8220;The F Word&#8221; is that little four letter word that your mom used to tell you not to say (well at least mine did).  But to many &#8220;The F Word&#8221;  is the loss of the American Dream.  Most likely the most expensive thing they will buy in their lives they are about to lose because of illness, job loss, relocation or countless other reasons.  If you still don&#8217;t know what &#8220;The F Word&#8221; is, this post isn&#8217;t for you.</p>
<h4><span style="color: #000000;"><big><small><small><big><big><strong><big>If you are experiencing your own </big></strong></big></big></small></small></big><strong>&#8220;F WORD&#8221;</strong></span><big><small><small><big><big><strong><big><span style="color: #000000;">, shoot an e-mail to homereliefoptions@gmail.com</span><br />
</big></strong></big></big></small></small></big></h4>


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		<title>Why You Should Never Use Coupons Or Shop At Wal-Mart If You Want To Get Rich….</title>
		<link>http://joellhill.com/2010/04/why-you-should-never-use-coupons-or-shop-at-wal-mart-if-you-want-to-get-rich/</link>
		<comments>http://joellhill.com/2010/04/why-you-should-never-use-coupons-or-shop-at-wal-mart-if-you-want-to-get-rich/#comments</comments>
		<pubDate>Fri, 09 Apr 2010 00:27:28 +0000</pubDate>
		<dc:creator>Joell</dc:creator>
				<category><![CDATA[Empowerment]]></category>

		<guid isPermaLink="false">http://joellhill.com/?p=156</guid>
		<description><![CDATA[I am a subscriber of Mike Dillards (this guy just gave away his $140,000 Audi R8) newsletters. The following excerpt was sent to me a few days ago and when I first read it I was like oh boy this is going to be interesting but after I read it I was like hmmm wow, [...]]]></description>
			<content:encoded><![CDATA[<p>I am a subscriber of Mike Dillards (this guy just gave away his $140,000 Audi R8) newsletters.  The following excerpt was sent to me a few days ago and when I first read it I was like oh boy this is going to be interesting but after I read it I was like hmmm wow, well that wasn&#8217;t what I expected&#8230;.. Well I will let you read it, uncut and unedited.</p>
<blockquote style="border: solid 2px #000000;"><p>I&#8217;ve been debating whether or not to write this email for about two weeks now because I know that quite a few people will wrongly be offended by it, and that my inbox will be flooded by derogatory responses.</p>
<p>Then my new issue of Perry Marshall&#8217;s Newsletter arrived in my mail box, and I changed my mind&#8230;</p>
<p>Here&#8217;s the introduction to his newsletter:</p>
<p><em>&#8220;You know what&#8217;s wrong with the internet?</em></p>
<p><em>Smart people and stupid people get equal airtime. And since stupid people tend to shout longer and louder than people who have acquired wisdom and judgment, ignorance usually prevails.</em></p>
<p><em>Stupid people proudly step forward and identify themselves. They self-select. As soon as this newsletter issue hits the streets, people who are angry about this newsletter and this irrelevant first section which &#8220;obviously has nothing to do with marketing will send nasty emails and cancel their membership. This naturally weeds the stupid people out of my Renaissance Club.&#8221; &#8211; Perry Marshall.</em></p>
<p>Perry&#8217;s point is that you should never stifle the growth of the wise minority for fear of loud reprisal by the ignorant majority. With that said, here is a very basic, very simple message on the surface that will contain deeper meaning for those who get it&#8230;</p>
<p>I hate shopping at Wal-Mart Joell. It makes me sick to my stomach, but the important part is why&#8230; (And if you&#8217;re going to read this, you need to read the entire page).</p>
<p>For as long as I can remember, I&#8217;ve had a burning desire to achieve above average financial prosperity&#8230; To have the million dollar home on the lake, the cars, and the ability to do anything, or buy anything I want. 100%, pure freedom.</p>
<p>But it&#8217;s not just about material goods. Money gives you the freedom, options, and power to have a large and positive impact on society through charity, education, and reform.</p>
<p>Because I have such strong feelings and emotions attached to the desire to achieve wealth and success, I have equally strong feelings of repulsion for poverty and weakness.</p>
<p>Most wealthy and successful people share this repulsion.</p>
<p>Why?</p>
<p>Because they are consciously aware (unlike the majority of society), that thoughts, ideas, and attitudes are real things, and that they are contagious.</p>
<p>You will adopt the ideas, beliefs, and mindset of the people you spend the most time with (including the people found on TV, in books, or on tape), which will lead you to make similar decisions, which will lead you to assume a similar life and lifestyle.</p>
<p>Rich people know this, and they know that a person&#8217;s mindset is fluid. It&#8217;s always changing with the ideas and interactions it comes into contact with on a daily basis.</p>
<p>This is why rich people protect themselves from everything associated with struggle and poverty.</p>
<p>Ever wonder why they live together in walled communities closed off from the rest of society with massive gates? Ever wonder why they shop at expensive boutiques, fly first-class, stay at $500/night hotels?</p>
<p>Ever wonder why most of them belong to &#8220;members only&#8221; country clubs?</p>
<p>Is it because they want to enjoy the finer things in life? Well sure. But that&#8217;s not the only reason.</p>
<p>They want to protect their minds from the thoughts of  poverty and struggle that are held by the rest of common society because they know that all thoughts are contagious, and they have a burning desire to live un-common lives.</p>
<p>The rich get richer because they only invite and interact with other prosperous people.</p>
<p>The common man sees this behavior as &#8220;stuck-up&#8221; and &#8220;snobby&#8221;. The rich simple see it as an unfortunate necessity, as I do.</p>
<p>That&#8217;s why I never shop at Wal-Mart. Have I? Yes. But just walking into that store makes me physically uncomfortable. My stomach turns.</p>
<p>I feel that way because I associate that store and the people who shop there with struggle and poverty.</p>
<p>The entire company is designed around the concept of &#8220;saving money&#8221; and pinching pennies.</p>
<p>It&#8217;s a physical monument dedicated to thoughts like&#8230;</p>
<p>&#8220;I only have this much money, so I need to save as much as I can.&#8221;</p>
<p>&#8220;The economy is crashing, so I need to guard what little I have.&#8221;</p>
<p>&#8220;I can&#8217;t afford it&#8230;&#8221;</p>
<p>&#8220;We&#8217;re on a limited budget.&#8221;</p>
<p>That kind mindset is a disease voluntarily held by people who go through life as victims.</p>
<p>They are subservient to their boss, to economic times, to prices, and to money itself.</p>
<p>Money has the power, and they are lucky to acquire and save any that comes their way.</p>
<p>The rich think differently.</p>
<p>They believe and accept that they have the power to change and shape their lives as they wish. Money doesn&#8217;t own their lives, they own the money. They have the power.</p>
<p>The difference between these two mindsets can be summed up like this&#8230;</p>
<p>Someone with a poverty mentality says, &#8220;I can&#8217;t afford it&#8221;.</p>
<p>Someone with an abundance mentality says, &#8220;How can I afford it?&#8221;</p>
<p>The more you start to think like the rich, the more appearant this mindset will become to you. One day, you&#8217;ll walk into Walmart and you&#8217;ll literally FEEL what I&#8217;m talking about.</p>
<p>You&#8217;ll feel like you&#8217;re out of place&#8230; Like you&#8217;ve walked into a club or restaurant where you&#8217;re the one person who doesn&#8217;t belong.</p>
<p>Now I know that there are a lot of people out there reading this who DO shop at Wal-Mart and are saying, &#8220;that&#8217;s easy for you to say Mike. You don&#8217;t have a family of 4 to support and you&#8217;re not struggling to get this home business thing off the ground anymore.&#8221;</p>
<p>Well I have shopped at Wal-Mart and I have been as low as anyone. When you&#8217;re pawning your DVD collection to eat as I have, you&#8217;ve basically hit the bottom.</p>
<p>But the difference is that even during those times, I have NEVER been comfortable shopping there because in my mind, I was different. I didn&#8217;t belong in that store. I didn&#8217;t share the same mind-set that the rest of the people in there did.</p>
<p>I have nothing against saving money when you&#8217;re struggling. I was there. But I do, and will always <strong>wage war</strong> against a poverty mentality.</p>
<p><strong>Whether or not you shop at Wal-Mart is not important. Everyone starts from the bottom and does whatever they have to do.</strong> Whether or not you are comfortable and happy shopping at Wal-Mart is where your personal truth is found.</p>
<p>If you don&#8217;t have the feelings, desires, and aspirations to separate yourself from the crowd of Middle America discount shoppers, then I don&#8217;t know why you&#8217;re even on this list.</p>
<p>To take this attitude of abundance vs prosperity to another level, I&#8217;ve also adopted the following habits:</p>
<p>I never use coupons and I never accept coin change from a purchase. If my bottle of water costs $1.75, the cashier gets $2.00 and keeps the 25 cents.</p>
<p>Why?</p>
<p>Because I NEVER focus on pinching pennies. I focus on MAKING MORE.</p>
<p>I constantly hold an abundance mindset, and these two habits are a physical expression of that mentality that I have held even when I was making $1,500/mo as a waiter. It&#8217;s a message to my subconscious mind to always see life through a lens of prosperity.</p>
<p>If you find yourself thinking more about saving money, than making money&#8230;</p>
<p>If you have trouble seeing yourself as a leader instead of an employee&#8230;</p>
<p>If you&#8217;re not sure how to make that transition from a poverty mentality that limits you, to one of abundance that leads to wealth, I&#8217;d encourage you to consider getting a copy of Magnetic Sponsoring&#8230;&#8230;&#8230;.</p></blockquote>
<p>The only portion I did not agree with is the waging war against poverty mentality because as you know what you fight against expands.  Anyone with an abundance mindset will relate to where he is coming from though, unfortunately 80% of the population still remain in the lack or the gimme mentality instead of the &#8220;I want something, I am going to work for it&#8221; mentality.  Which one are you?</p>


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