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How A Decision Can Save Your Life
by: Saleem Rana
Mr. Galen Litchfield, the manager of Asia Life Insurance, was in Shanghai when Japanese troops invaded. This was in 1942, after the invasion of Pearl Harbor.

A Japanese Admiral was sent to liquidate the company’s assets. Litchfield was ordered to assist in this liquidation. He didn’t have any choice. He could either cooperate or face the grim consequences of certain death.

He was ordered to compile a list of the company’s assets—but there was one block of securities worth $750,000, which he left off the list because they belonged to the Hong Kong organization and were not part of the Shanghai assets.

Still, he feared the Admiral’s wrath should the omission be discovered.

And it was discovered—soon afterward.

Litchfield wasn’t in the office when the discovery was made; only the head accountant.

Litchfield received the chilling new on a Sunday afternoon. The accountant told him that the Admiral had flown into a terrible rage. He had stomped and cursed and branded Litchfield a thief, traitor, and scoundrel.

Litchfield knew the consequences of defying the Japanese Army. They were grim. He would be fling into the Bridgehouse! The name alone filled people with fear. It was a torture chamber. Litchfield had personal friends who had committed suicide rather than be taken to the Bridgehouse. Other friends had died in the Bridgehouse after only ten days. Now it seemed Litchfield himself was destined for the chamber of horror.

Litchfield went to the typewriter in his room in the Y.M.C.A. He wrote out two questions. The first: What am I worrying about? The second: What can I do about it? He had used this technique for years whenever he had a problem. Now, the answers might save his life. Writing down the answers to these questions clarified his thinking.

He wrote that the problem was that he was afraid that he might be thrown in the Bridgehouse.

“What,” he asked himself, “would he do about it?”

He spent hours answering the second question. He came up with four possible courses of action and weighed each one.

One, he could try to speak to the Japanese Admiral. But the Admiral spoke no English. He could use the interpreter, but this might only irritate the Admiral, for he was an irrational and cruel man who would rather let the sadists in the Bridgehouse deal with interrogations.

Two, he could try to escape. But his chances were slim. The Japanese kept track of him all the time. He had to check in and out of his room at the Y.M.C.A. If he did get caught trying to escape, he would be shot.

Three, he could stay in his room and never go near the office again. But, if he did, the Admiral would become suspicious. Soldiers would be sent to get him and they would throw him into the Bridgehouse.

Four, he could go down to the office on Monday morning as usual, pretending that nothing was wrong. Perhaps, the Admiral would have cooled off by then. Perhaps, he would be too busy to remember. Or, perhaps, the Admiral would give him a chance to explain why he made the omission in the list.

After long deliberation, the fourth option appeared favorable. It offered him the best chance of survival.

As soon as he had made the decision and made a commitment to follow it, a wave of relief swept over him. Exhausted, he went to bed and slept well.

When he entered the office on Monday, the Admiral was there, smoking a cigarette. He glared at Litchfield but said nothing. Six weeks passed, and still the Admiral did nothing to bring up the topic. Then—the Admiral was sent back to Tokyo.

The Success Principle

Make a decision and act on it. It could even save your life.

The Principle At Work

Galen Litchfield’s experience illustrates the importance of arriving at a decision. He was caught in a no-win situation. Any decision could have been the wrong one. There was no way for him to resolve this dilemma. However, not making a decision is also a decision. It is choosing to act impulsively, and not rationally. There are also consequences to this.

About the author:
Saleem Rana got his masters in psychotherapy from California Lutheran University. Discover how to create a remarkable life. Free information.
http://theempoweredsoul.com/enter.html

Copyright 2005 Saleem Rana.


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Credit Repair Information

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 How Credit Repair Works
 by: John Mussi

With personal debt at an all-time high, a number of individuals have found that they have overextended themselves and have become immersed in debt. As their debt grows, they can't help but get more and more behind… and their credit score pays the price. If you are one of the many who have had problems with your credit in the past (or still have problems with it), you may be considering credit repair as a way to get back on track.

Before you sign up for a credit repair plan, you should make sure that you understand exactly what is involved in repairing your credit score… while there are a lot of credit repair agencies that are legitimate, there are also some that seek to prey on those who need help and perform services that are both immoral and illegal.

What Credit Repair Is

Obviously, the goal of credit repair is to improve your credit score and get you back on track financially after past credit problems. A variety of credit repair services exist, providing everything from credit counselling and debt negotiation to debt consolidation loans and budgeting advice.

When used properly, credit repair services can not only help you to get caught up with your bills and on the path to a better credit score but they can help you to avoid bankruptcy and set you up to avoid credit problems in the future.

Credit repair takes time, however, and should never be viewed as a “quick fix” for your credit.

If an offer claims that they can instantly grant you new credit, then it's likely not only bogus but can also get you into legal trouble if you accept it.

Common Types of Credit Repair

As mentioned above, credit repair can take several different forms. Credit counselling services provide assistance with the budgeting and repayment of your debts, and offer advice on simple ways to improve your credit without additional loans. They also often provide debt negotiation, which is the working out of a settlement with your creditors so that you only have to repay a portion of your original debt within a certain timeframe.

Debt consolidation loans are also used for the purposes of credit repair, allowing you to take out a loan in order to pay off outstanding debts and leaving you with a single monthly loan payment instead of several different payments.

Budgeting assistance services are also available to help you get control of your spending and personal finances.

Avoiding Credit Repair Scams

Unfortunately, there will always be unsavory individuals who seek to make money off of those who are in need of assistance.

Any credit repair service that promises instant results or that offers to simply create a new credit report for you should be avoided… what they're really creating is a business tax identification number, and any individual who uses one is in danger of being charged with fraud and possibly other charges.

Credit repair takes time; if an offer sounds too good to be true, then it likely is.

Repairing Your Own Credit

Of course, by paying off old debts and establishing and maintaining new lines of credit you can begin the process of credit repair yourself.

Request a copy of your credit report and check it for errors, and then focus on clearing the debts that appear as negative reports.

It may take years for all of the negative reports to expire, but by preventing new ones while increasing your positive reports your credit score will slowly rise on its own.

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