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Show Sunday. August 26, 2007 DAILY HEIAID CIO Chatzky knwfl posiklrLllhe ContinlttdJtomCJ2 off the stage. business school 400 executives made it to the top and compared them to 400 of success called relentless I Walt Disney went bank- Acertain rupt, suffered a nervous breakdown and still made it to the top of the mountain. I Sir Walter Raldgh wrote the "History of the World" imprisonduring a who feD by the wayside during their careers. The idea was to discover how those who had become successful differed ; ment. from those who had not. . I Martin Uther translated Education was not the key , the Bible while enduring factor because highechool in the Castle of Wart-burdropouts were running compawere MBAs while some nies, I Dante wrote the "Divine slamming into dead ends. while under a senat the Then those Comedy" Experience? Positive tence of death and during 20 , top should have been older and that wasn't the case. Techyears in exile. I Kdcti Keller was not able nical skills, social skills and the mantra, I think to hear or see during dozens of other career-relaterepeating ' I life, yet she became a famous can, 1 think I can." variables were also examined. author and worldwide celebriAfter reaching the crest, Those factors didn't explain the little engine triumphantly ty for her charm and wisdom. why..': ' .' What is the We must push through chugs: 1 thought I could, I quality (hat dis.' we face. If we dont, tinguished those who made it thought 1 could." Id like to alter the story for we win be poorly prepared for from those who did not? ... crowd. Change . They persevered. the grown-uwinning. People are successful because they face adversity the chant tocT know I can, I Every person will face head-o- n ... to gain strength and . . know I Can!" adversity. How you meet it, r skill They don't take the path what you 'make of it, what you Adversity can actually be of least resistance. Adversity allow it to take from you and , a positive thing, even though it certainly doesn't fed like it is a powerful teacher. give to you is determined by when we are facing it, Adver- - ' President Abraham Lincoln your mental habits. In short,, said, "My great concern is not sity is what defines us. It is you have to take the cards inlife that are dealt to you easy to have a great attitude, ; whether you have failed but whether you are content with You can train your mind to a strong work ethic and a face life's toughest challenges positive outlook when things your failure. And few people are going great. But how do failed in early life as much as an important quality to develop before you actually need . we stand up during the tough ; Lincoln, yet he is regarded as one of our greatest presi--. it. Little children get their first times? Consider these famous dents. lemon with The Little Engine That Could. Faced with pullpeople who faced difficulties in .1 When you get discour- their lives:. aged, when you seem unable ing many train cars up an to make it, there is one thing I When Bob Dylan perenormous biU, larger engines ... talent that you cannot do without .. formed at a refuse to attempt it. Finally, a small engine agrees to try, show, classmates booed him. : It is that priceless ingredient ' ar nt g. . Harvey Mackay Struggles ho-lon- d p ", : . . . . . ef- : ... . . high-scho- ol . h are) homer--n- o savings or other major assets it will be much more likely to cut you a deal, that have a similar bedroom I Consider renting. History and bathroom count. Then, the . price yours at. 15 percent below has shown us that when that (1 warned you palpita-- sale market is down, the rental market is up. Makes sense tions win foDow) and spread all of the would-b- e buyers . the word that you're going to '. : turn into renters, and demand be offering the home up for on the market can drive rents four hours only. "YouD have ' But how does it ben-ga rush of buyers and you'll actuefit more than yew? you paid "Its very typical that the ally deserve," says Corcoran. mortgage that you have and Basically, in a vacuum of no are buyers, you're creating a hype ; the taxes you have to pay less than what you can get for buyers."The key is to en-list the help of a broker so they in rail," says Corcoran. That can advertise the sale to their . meansyou can rent out your home to cover the mortgage clients.. you can't afford to pay, and If you're facing then downsize your family into find the three lowest-pricehomes in your neighborhood d fort. You must never give up. '' Success cannot be achieved without experiencing some adversity. An Asian proverb advises, "When fate throws a dagger at you, there are only two ways to catch it, either by the blade pr by the handle." There was an old farmer who had suffered through a lifetime of troubles and afflictions that would have leveled an ordinary mortal But through it all he never lost his sense of humor. "How have you managed . to keep so happy and serener asked a friend. It aint hard, said the old fellow with a twinkle in his eye. Fve just learned to cooperate with the inevitable." v "Cooperating with the inevitable enables us to catch adversity by the handle, thereby using it as the tool that it was intended to be. Mackays Moral: Adversity causes some people to break , and others to break records. I Harvey Mackay is the nuthor of The New York Times No. " Swim With the 1 best-sellSharks Without Being Eaten Alive. He can be reached . through his Web site, www. haryeymackay.com, bye-- : mailing harveymactfay. com or by writing him at. MackayMitcheli Envelope Co, 2100 Elm St. SE. Minneapolis, MN 55414. er : - et sky-hig- . . . . - v plus here is that you'll still own 4 Maks the bank your friend, One thing to remember The, .your home when the market some bank doesn't want your house, It would much prefer to have your money, even if that means lowering your monthly payments, renegotiating your interest rate or waiving pre- - , payment penalties attached to : your loser of a loan. So pick up the phone, dial the lender and ask for. the "work-out"- , depart: ment so named because it's their job to work out your difficulties. The key is to call , early. If you can call within your, first three late payments '...or no payments, the bank is going to be happy td hear from you, says Corcoran Surpris- ingly, the less money you have. goes back up or you find extra income, t L. Jean Chatzky is an editor at Money Magazine and serves as AOL's official Money Coach. She is the "... personal finance editor for NBC's Today Show and is also a columnist for Life ; Magazine. She is the author of four books, including 2004 's "Pay it Down! From Debt toWealth on $10 a Day (Portfolig). To find out more, visit her Web site, www.jeanchatzky.com . With reporting by Arielle ' , AfcGowen. ; D at-lar- . . JflEr&l ' ' -' . Utah County www.heraldextrd.com yellowpages News wvw.heraldextra.com G3m SCRATCH mm i Hi m fi m i AxxV o V w team m - f - --fa q - - , -r x. 4 tPMCT NM.W, n TMITIWO PWOM 300,000'.T TX LOW CALL TODAY FDR EXCLUSIVE INCENTIVES Get 15 lines Anc Kim McKINLEY of text i rr and a Garage Sale Kit . a K (which includes signs, i " i - ... , if ' y , v f price tags, S01.556.4648 Vw tit1 Call today to place your ad! , Treatment by allergy specialists for children and adults with asthma and allergies to: PLANT POLLENS FOODS and balloons) . INSECT VENOM MOLDS. . s , , , - VV PETS ) 41 Ibsbb wmm 7 J f . : : r B01.755.9333&, 4-,- - - jii ' d w . 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