He's always stirring things up every week in his Dallas Morning News column
and he's here this morning to talk about some fallout from a controversial
column that appeared last week. Our un-common sense expert Benjamin Dover
is here to talk about quitting and knowing when to cut your losses, an
especially timely topic with
news that credit card delinquencies have reached all time highs.....
"Quitting does not
equal failure, however,
not quitting when
it is indicated will lead to failure."
Why do you think this evoked such a response?
Answer 1: Many of us (me
included) have been conditioned over the years–by our parents, a teacher or
a coach, or maybe even some huckster shilling mail order home-based business
success/positive thinking courses via middle-of-the-night infomercials–to
believe that quitting is wrong...that it equals failure. "A
quitter never wins and a winner never quits" is not only
outmoded, it’s unrealistic thinking.
Question 2: But you also took
a hot-button position that really got folks stirred up:
"Self-interest
tends to be in the best interest of all."
Let's face it Ben, it's easy to see why that last statement would rub some
people the wrong way.
Answer 2: As unpopular as
this may initially appear, the self-interest–"him or me" decision–in the
long run, tends to be in the best interest of all. Honest evaluation of your
situation–from lousy jobs and creepy bosses to dysfunctional relationships
or out-of-control finances–you’ve got to learn when to cut your losses.
You’ve got to come to grips with what’s best for you and your family, and
many times it takes a breakdown before you have a breakthrough.
I'm not even remotely suggesting you don't care about "your fellow man," but
I can tell you that putting the "needs" of Providian Visa ahead of your
family is absurd.
I can tell you that paying a debt collector for XYZ Hospital before you
pay the rent or mortgage, an electric bill or insurance is pretty
stupid. Of course if you've never been in this position, how would you
(or could you) ever understand?
Put yourself in the best
position to survive so that you can help your family. Here's a perfect
example:
Have you ever flown in a commercial
airliner? Have you ever read over the "what you need to do if the cabin
de-pressure-izes and the oxygen masks drop down" literature? I have.
What's one of the first things they tell
you? "If you have a child flying with you, put your mask on first, then
place the mask over the child's face." Why do they tell you to do this?
Simple.
Because if you're not fully-functional
first and foremost, how are the kids gonna survive? If you put their
interest first and before your own, you're setting everyone up for disaster.
You've gotta be on your game. You've gotta be sharp and ready to play
ball, and if you continue to operate under the old
programming, the stress, the anger and the frustration are clearly more
dangerous to the long-term survival of you/your family than the fallout
from not paying unsecured creditors.
Subrogating your needs and putting yourself in
anything less than the #1 position actually does far more damage, in the
short or long run.
By the way: It's not my
job to teach your kids how to survive in the real world. It's
yours.
And remember:
Sometimes you have to lose so you can win.
The key to avoiding auto buying heartache is to
deal with an honest company in the first place: No
matter where you're located,
Manufacturer's Auto Leasing
delivers on that promise, and more. They've
got the Dover Endorsement because they really are auto experts you can
trust.
Check 'em out for yourself.....
Just a reminder Easter Sunday (April 11th) is now just 19
days away: Do
something original this year that'll score some big
points...send beautiful flowers instead of predictably boring Easter
lilies. They'll last at least twice as long...FedEx-ed
direct by our friends at
www.tropicalcolors.com
Speaking of running from the law, April 15th
is now only 23
days away. Millions of Americans have IRS-related troubles hanging
over their heads...are you one of them? Personal or
business challenges aren't as hard to work out as you might think,
especially if you hire the right representation to cut a deal with
the world's most powerful debt collection agency.
Take a deep breath
and read more about it here.....
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