Tuesday, June 30, 2009

FATHER'S DAY REVISITED

Today I was reflecting on my Father's Day last week. It was a good,but different kind of a day. Perhaps I am learning from these blogs.

I decided I would do no "work" that day. For me that is a big step forward. My son and daughter visited as did my 98+ year old Mom who is struggling, but hanging in for the moment. We had a lovely brunch--indoors- because outdoors was definitely too hot.

We returned Mom to her home where she has amazingly lived alone all these years (although now she has people who come in twice a day to help her). Then we...played board games. Give me a break--I don't play any games! But I did this day and I had fun--we all had fun. Laughing while playing Apples to Apples which is a game for all ages and then Scrabble. I enjoyed it even though I left a Q in my que because I didn't have a U. But I had a You(meaning me) of a good time none-the-less.

In a follow-up thank you email my son pointed out how nice and easy it is to have fun economically. I whole heartedly agree. Now is the time to return to fun, play, board games and OK (true confessions time) Pizza. It is all good in moderation. The Monday after Father's Day I worked all day catching up, but with a smile on my face. That makes a big difference.


Bye For Now,


Bill

www.williampenzerphd.com

954 475 1371 x 1
561 361 1898 x 1

check 3/17 blog to know our goals.

Monday, June 29, 2009

REALITY RULES!

As our recession/depresssion reared into full swing, several sucessful men said, "In my family we have lived large," or the equivilent. That was code for we spend a shitload of money on silly stuff! These same families and many others like them are reevaluating what were excessive, self-indulgent life styles. There was at least a little of that in almost all middle and higher class homes.

Credit cards, easy loan money,inflated home values and stock market simultaneously and a happy days are here again/gold rush mind set fed excesses in everything from private schooling,expensive dance classes for 10 year old klutzes,lavish trips and baubles of all kinds including shoes and purses in the many hundreds, even thousands of dollars.

The really wealthy always had these luxuries, but in the past decade or so,the semi, temporarily or delusionally wealthy thought they could jump in as well.For those more grounded in reality there were always knock offs.

Now, I hope reality will rule for all of us,even the truly wealthy. Knock offs do have there place you know. When we live in reality boundries temper temptations. We are also forced to seperate need from greed as we take more time to make costly decisions, rather than respond impulsively.

Reality is really a cost to benefit analysis. Reality says markets go up and down and sideways and who knows which way. It also says saving for a rainy day is not old fashioned--it's common sense and self-protective.

Living large is undeniably fun till it comes time to pay the credit card bill, mortgages, etc. Living realistically is safer and more secure which in the long run is really fun.

Bye For Now,

Bill

www.williampenzerphd.com

954 475 1371 x 1
561 361 1898 x 1

see 3/17 blog to know our goals

Friday, June 26, 2009

THE HIGH COST OF JUST ABOUT EVERYTHING!

While cars, homes, certain clothing and some restaurant meals have come down in price,just about everything else seems high and higher.

Gas, drycleaning,my haircut,food at the supermarket or the local market, movies,popcorn and a drink, sports or theater tickets and food or drink in all captive spaces all seem overpriced--in many cases ridiculously so.

I would have thought by now that supply and demand would have had a more general effect. I also would have thought that working on smaller margins of profit and loss leaders would be a better option than store and busines closings at an alarming rate,especially given the domino effect of that.

Therefore, until we see these adjustments occur it is important to be a wiser than ever consumer. Tighter budgeting and more conservative spending helps in many ways. Beyond saving money, it forces us to develop a live within our means model. That was the way it was before credit and credit cards created mass delusions of grandeur and a manic episode of acquisition based on money tree beliefs. In addition, by showing restraint in our consumption,we will ultimately effect the demand curve in a way which will bring down prices. Just watch what happens if no one,for example,buys popcorn at the movies. Or no one goes to the movies.

My optomism about the future is not based on a belief that the economy will magically turn around anytime soon. It is fueled by my hope and belief that we will learn from our experiences,adapt accordingly and avoid the dangerous trap of denial as it applies to money matters. Our culture of narcisism and age of entitlement need to morph into a time when reality rules. More on this Monday.


Bye For Now,

Bill

www.williampenzerphd.com
954 475 1371 x 1
561 361 1898 x 1

check 3/17 blog to know our goals

Thursday, June 25, 2009

WHEN PAINFULLY SLOW IS AMAZINGLY FAST

Yesterday, I talked about turning back the hands of time. In fact, it is as if the advancement of technology has sped up the hands of time and altered our perception of it. BC (before computers), getting things done was undeniably and understandably slow. We all accepted life at that slow pace because we didn't know any better. The good news was we weren't in such a hurry. That Joe The Grocer added our bill by scribbling the cost of each item on the side of the brown paper bag with a thick pencil and adding it up out loud ( 6+4+7+5 is 22 carry the 2) was good enough.

Today, despite scanners and credit card payment machines we can't get through the line fast enough.Even the self-pay system at Home Depot keeps us waiting a few seconds before it spits out our receipt ( come on already!) in record time. The same with getting on line or sending an email. If it takes an extra second or two for my email to be sent, I can be oh so annoyed! If the voice mail message doesn't immediately offer the option I need or if the person I am calling doesn't immediately pick up I feel frustrated. You don't even know what I say to the automated woman who says, "I do not understand your response," after I just read her my credit card number.

In reality, what we perceive as major delays are actually amazing transactions being processed at lightening speed. In that context we need to take a small step back to avoid being sucked into this accelerated time machine. We are not robots and need to avoid responding like one. We simultaneously need to slow our lives down to a healthier,less hectic and harried pace, while appreciating our highly efficient new world order--even when it goes a few seconds slower than we would like.


Bye For Now,

Bill

www.williampenzerphd.com

954 475 1371 x 1
561 361 1898 x 1

see 3/17 blog to know our goals

Wednesday, June 24, 2009

TORN JEANS,TATTOOS AND TRADITION

Recently, I've seen several fashionable women wearing jeans so tattered that I couldn't help but say, My mother would never let me out of the house in those." A recent article in New York magazine said ripped jeans are in for summer '09 and range in price from $175-$425.

My reaction is the same as it is to those young folk who cover themselves in tattoos. Harmless,but silly!

I keep hoping that these challenging economic times will turn back time,so our culture of narcisism will be modified to the simpler,happy days of the past.

Clearly, corporations,designers,the media, etc. all try to influence us for their gain. As healthy, balanced and confident people we are better positioned to make choices that make personal sense to us, rather than being concerned about making statements to others.

Now is a good time to work on ourselves so that the cess of our past and the toll it takes on our confidence, doesn't make a mess of our lives in any way. As messes go ripped or faux paint splattered jeans don't even count. They are a symbol of silly,not sick.

The good news is that when torn jeans are out of style- say by summer '10- they can go the way of all fashion statements by ending up at the back of the closet or in the rummage pile. Tattoos, on the other hand are not so easy to erase. Neither are traditions thank goodness. Perhaps it is time we went to the back of that closet to pull out some that could well apply in helpful ways today?


Bye For Now,


Bill

www.williampenzerphd.com

954 475 1371 x 1
561 361 1898 x 1

see 3/17 blog to know our goals

Tuesday, June 23, 2009

TO MAKE YOUR OWN DECISIONS

Realted to yesterdays blog is this NEVER TOO LATE.... wisdom:



to make your own decisions

Take advice.
Seek information.
Draw on other's experience.
Confirm your views.
But make your own choices.
Set you own course.
Be responsible for your own life.

From "It's Never Too Late... by
Patrick Lindsay


Bye For Now,

Bill

www.williampenzerphd.com

954 475 1371 x 1
561 361 1898 x 1

check 3/17 blog to know our goals

Monday, June 22, 2009

ON FATHER'S DAY AND SELF DAY

Fathers come in all shapes, sizes and personalities. Some are caring and loving, while others are distant, disconnected or dead (literally or figuratively). Some are abusive, sad to say. Sometimes fathers guide us well,other times we have to find our own way.

Yesterday was a day to honor Fathers--at least those that deserve honor. Hopefully you had that opportunity in some form or another. Today is a day to honor yourself-- for all you have been through, for the ups and downs of your life,for the choices you have made that were wise and for those that weren't, but from which you learned and hopefully for your ongoing committment to the slow, evolving process of personal growth.

Ultimately, we need to be our own Mother and Father and guide our SELVES well on this strange journey we call life.

A Happy Self Day to all.


PS I can see Hallmark churning out those cards already:

Dear Self,

I really love and appreciate you SOOOOOOO much on this and every day. Or you could send yourself a voice card in your own voice saying these messages. Screw the cards and commercialized and compartmentalized emotionality. Just talk to yourself in a kind, supportive, loving way each and every day!! It is time to appreciate all of your fine qualities and stop picking on the minor flaws.

Bye For Now,

Bill


www.williampenzerphd.com

954 475 1371 x 1
561 361 1898 x 1

see 3/17 blog to know our goals

Friday, June 19, 2009

CHOOSING HEALTHY

In a Sun Sentinel article(6/1/09) the author argued that contrary to popular belief,a bad economy is bad for our physical and emotional health. He states,"economic stress causes overeating or switching to cheaper,less healthful food so people gain weight." Critical is the question of whether we gain insight from challenges or use them as an excuse to indulge our little girl/boy parts. Coping is about mobilizing our healthy adult self!

Clearly, things can go either way. A loss of money,jobs, status, identity, homes, etc.certainly foster depression,anxiety,lethargy and indulgence in glopful (hurtful and self-defeating) activities.

These same losses and their emotional reactions can stimulate vigilence,creativity, activity, healthier habits and a committment to modifying values, beliefs attitudes and behaviors that have become distorted, exxagerated or indulgent.


The path to hurtful or healthy is a choice. I hope you agree and work toward making choices that are healthy, self-enhancing and prideful.

Bye For Now,

Bill

www.williampenzerphd.com

954 475 1371 x 1
561 361 1898 x 1

Check 3/17 blog to know our goals.

Thursday, June 18, 2009

HAIR HAS ROOTS

Singing, "Let The Sunshine In" Hair won a 2009 Tony for best musical revival.

When I saw in in the 60's it seemed so relevant as to be a stage production of our lives at that very moment. When I saw it a few months ago my initial reaction was that it was as outdated as I myself feel. Let's face it. When you don't do MySpace, Tweet on Twitter,do FaceBook and have never visited Amazon.com, EBay or UTube it is easy to feel like an antique. I think I once went on Craigs list,but it was by accident!

Be that as it may, when Hair unfolded my mind set reached a higher consciousness. I came in contact with the adage, "the more things change, the more they stay the same." Hair is about revolution and a peaceful protest against war.Irag and Viet Nam are really twins on a scale of DUH!! Hair is also about love, acceptance and kindness.

The flower power values of the 60's are as important today as they were back them. As the man accepting the award said, Peace Now, Freedom Now, Equality Now and Justice for All." Some things transcend time and maintain a universal and perpetual relevance. The roots of Hair grow long today. As you can see I changed my mind. That is really what the play is all about.

In so many ways we have progressed since the 60's, but by the same toke(n)we have slipped. It may just be time to let our Hair down,come up for Air,Find Someone to Love,conclude You Got Life and optomistically say, Good Morning Sunshine. Oh, did I mention that we also need to Let The Sunshine In?

PEACE NOW and forever!!!

Bye For Now,

Bill

www.williampenzerphd.com

954 475 1371 x 1
561 361 1898 x 1

check 3/17 blog to know our goals

Wednesday, June 17, 2009

TO LAUGH AT YOURSELF

It's Never Too Late:

TO LAUGH AT YOURSELF!


Life is too short to take it too seriously.
It's easy to laugh at others--much harder to laugh at
ourselves.
But is is more rewarding.
It lightens our lives.
It brightens others' lives.
It builds self-confidence and self-worth.
It endears us to others.

FROM: It's Never too Late
by Patrick Lindsay

Tuesday, June 16, 2009

WORDS WORTH READING

THE BEST WE CAN DO IS SIZE UP THE CHANCES,CALCULATE THE RISKS INVOLVED,
ESTIMATE OUR ABILITY TO DEAL WITH THEM,AND THEN MAKE OUR PLANS WITH
CONFIDENCE.

Henry Ford


YOU HAVE TO HAVE ENOUGH CONFIDENCE IN YOUR ABILITY AND THEN BE TOUGH
ENOUGH TO FOLLOW THROUGH.

Rosalynn Carter


ALL OF US HAVE BAD LUCK AND GOOD LUCK. THE MAN WHO PERSISTS THROUGH
THE BAD LUCK -- WHO KEEPS RIGHT ON GOING-- IS THE MAN WHO IS THERE WHEN
THE GOOD LUCK COMES AND IS READY TO RECEIVE IT. (I would add woman as
well).

Robert Collier

Monday, June 15, 2009

ON BEING/BLOGGING RELEVANT

I received an email from a young man whose opinion I value. He said, "I like what you are blogging, but most don't have to do with the economy. If I go to a blog by that name I want practical, economy related answers to our tough times."

I gave this feedback serious thought and then concluded I am a Psychologist, not an Economist or Financial Advisor. My portfolio or lack thereof certainly reflects that. I end each blog sending people back to my inital one-3/17/09- which defines my goals.

Coping is the critical word. Whether it is economic losses, deaths, panic or phobia, divorce, business stresses, medical problems or family strife it is all about healthy vs. unhealthy coping. It is also all about taking better care of YOU!

This is what this blog is about. if you need financial help experts are all around. Chose wisely and carefully. If you can benefit from emotional encouragement, support and a few rays of realistic, optomistic sunshine return to this blog every business day.


PS Thanks B.R. for helping me clarify these issues for you, me and the readers of copewiththeeconomy. Sure hope you get the dog poop off the carpet ASAP.Be well!

Bye For Now,

Bill

williampenzerphd.com

954 475 1371 x 1
561 361 1898 x 1

check 3/17 blog to know our goals

Friday, June 12, 2009

TO RELAX!

IT'S NEVER TOO LATE...

TO RELAX


Take time to pause.
Forget the coffee and the smokes.
Don't eat lunch at your desk.
Take a walk in the park.
Browse in a bookstore.
Chill in a library.
Go for a run,or a swim.
Have a laugh with friends.
Break the endless cycle.

FROM: It's Never Too Late by Patrick Lindsay


Bye For Now,

Bill

www.williampenzerphd.com

954 475 1371 x 1
561 361 1898 x 1

see 3/17 blog to know our goals

Thursday, June 11, 2009

BY THE WATER'S EDGE

I stopped at the water's edge after a long walk on the beach. I followed my own advice.I stood there in place and became mindful.

I became aware of the sweat glisteningbrightly as it dripped off my body. I followed along as these tiny drops merged with the big sea waters. I watched the white bubbles kiss the shore at different points in different ways. I listened to the greeting of the sounds of the waves announcing their arrival. I observed the different shades of blue and green creating a peacful picture. I saw a Pelican swooping from on high to precisely hit a target and hungrily eat its catch. I became aware of the wet sand beneath my toes as I twisted them about. I noticed seashells randomly distributed beneath the white bubbles and blueish green waters.

I then spontaneously stretched my arms out as wide as they could go while observing the wispy white clouds criss-crossing through a pale blue sky.

Then I very calmly walked back.


Bye For Now,

Bill

www.williampenzerphd.com

954 475 1371 x 1
561 361 1898 x 1

check 3/17 blog to know our goals

Wednesday, June 10, 2009

TO HELP SOMEONE

It's Never too Late:


TO HELP SOMEONE

It brings joy to both parties.
It makes you a better person and gives the receiver
faith and hope.
It's usually reciprocated.
It gives life greater purpose.

And he forgot to mention it is a Pride Bank Deposit!

From It's Never too Late by Patrick Lindsay


Bye For Now,


Bill.

www.williampenzerphd.com

954 475 1371 x 1
561 361 1898 x 1

check 3/17 blog to know our goals

Tuesday, June 9, 2009

WORDS WORTH HEARING

Tact is rubbing out another's mistake instead of rubbing it in.

Unknown
Good Stuff Magazine

Monday, June 8, 2009

DRIVING ME CRAZY!

For a variety of reasons I am driving around more than before. I am shocked at the risks people are willing to take. This blog is directed to them. My fear is they don't read much.

I am imploring you to calm down. You seem to want to beat me out in one way or another. What don't those of you who do that not understand? A vehicle is a lethal weapon of mass destruction. 50K+ die each year on America's roadways. Surely, you don't want to be one of them! Surely, I don't, even if you do!

On the main streets you weave in and out like you are making a scatter rug. On the highways entrances you are behind me, but jump out in front of me accomplishing exactly what I must ask, other than making it hard for me to enter the road? When you are not doing that you are cutting me off from the left or the right,driving much to close to my bumper, wizzing by me (that goes for you helmetless guys on the motorcyles) and royally pissing me off in all kinds of ways. This ain't bumper cars--this is your (and my) life. Somehow, I don't like the same odds that oddly you do.

I like life. Ending it in a crash never appealed to me.Does it appeal to you? I can't imagine why. You are just are in denial. Believe me when I say death by motor vehicle accident is all too real. Check the papers any day of the week.

Please steer clear of me. I'm in the silver Lexus SUV with the copewiththeeconomy magnets on either side. Please show some respect to me and other drivers. And if you are drunk please call me to drive you home or a cab. DUI's are no fun at all. Trust me on that and all the rest,so you don't end up as a RIP road marker...the one with the flowers, teddy bears and blood splattered all about.

Bye For Now,

Bill


www.williampenzerphd.com

954 475 1371 x 1
561 361 1898 x 1

check 3/17 blog to know our goals

Friday, June 5, 2009

7 Out OF 10 Ain't Bad -- Part III

Think of that which is pretty good at 7 of 10:

slot machine hits
any sports statistics other than strike outs,
errors,fumbles, sacks, etc.
percentage of sales
stock picks
foul shots
relapse statistics
memory recall of unimportant issues
olympic medals
sucessful business days these days
pride bank deposits

That which is not that good:

lost luggage on airline flights
being late to an important meeting
grades in any subject other than belly dancing
frequency of fender benders
overdraws on your checking account
losing keys, wallet, etc.
remembering important deadlines
number of successful marriages
number of lawsuits against you which you will win

Think of others and send in a comment.


Remember 7 of 10 is a relative concept. Hopefully, all of your 7's can be relatively prideful scores.


Bye For Now,

Bill

williampenzerphd.com

954 475 1371 x 1
561 361 1898 x 1


check 3/17 blog to know our goals

Thursday, June 4, 2009

A SIMPLE FLOWER POWER

We welcome Mimi Gegg as our Director of the Tranquility Center. She brings much to the table of relaxation training including flowers. See williampenzer.com for a video of our Tranquility Center. Mimi can help you learn about meditation,guided imagery,creating safe spaces,biofeedback, heart math and much more.

This week she brought in floweres and put them in a vase atop our water cooler with a sign simply saying, "take one." I did and everytime I look at it I think peace, tranquility and calm. It symbolizes what we all search for and struggle to locate. Funny enough,they are all around us,often in the simplest of ways.

Many who have taken a flower have commented how it brightened their day. Sometimes it takes a village. Other times it takes as little as a single flower. Perhaps the flower children of the 60's were onto something. I am pleased we are bringing that energy back into our center.

Contact Mimi at 954 696 1248. Maybe she will give you a flower and a whole lot more tranquility.


Bye For Now,


Bill

www.williampenzerphd.com

954 475 1371 x 1
561 361 1898 x 1

check 3/17 blog to know our goals

Wednesday, June 3, 2009

YOU GOTTA COUNT IT ALL

Our personal accounting is often faulty. We tend to give ourselves -10 for a minor failing and +1 for an important accomplishment. "Oh, it was nothing," are words that reflect this imbalance. If people managed their bank accounts the way they manage their personal account, they would always be in the red and soon be bankrupt.

It is important to count it all and count it fairly. In some respects emotional bankruptcy is worse than the financial kind. This is precisely why I created the idea of a "shame and blame" account and a "pride bank." My goal is to help people identify and keep track of their emotional assets and liabilities. I encourage you to count the former and work on the latter and try objectively, to give it all a fair rating.

In all liklihood the plusses deserve 10+,the minuses 1-3...Ok maybe a 4 and in most areas of life 7 out of 10 ain't bad at all-- unless of course it is geometry or calculus in which case, join the club!


Bye For Now,

Bill

www.williampenzerphd.com

954 475 1371 x 1
561 361 1898 x 1

check 3/17 blog to know our goals

Tuesday, June 2, 2009

ON LISTENING TO YOUR HEART

IT'S NEVER TOO LATE:


TO LISTEN TO YOUR HEART

Our world is loud,fast and chaotic.
We need time to pause.
To look around us.
To hear our heart.
It knows things our mind can't understand.
Take time out.
Freeze frame your daily life.
Be open to your heart.
Listen to it.

From It's Never to late...by Patrick Lindsay

At our Tranquility Center we can teach you how to tune in to your heart and take time for you. More on this later in the week.

Bye For Now,

Bill

www.williampenzerphd.com

954 475 1371 x 1
561 361 1898 x 1

check 3/17 blog to know our goals

Monday, June 1, 2009

7 Out OF 10 Ain't Bad -- Part II

On May 6, 2009 I wrote Part I about my making 7 of 10 foul shots--at my age no less! After I thought about it I realized that is 70%. Not quite bragging rights in school, but definitely so in the school yard or at the Y.

What that tells us is that how we evaluate our success or lack thereof is complicated. Much depends on the situation and the specifics. If an otherwise A/B student gets a 7 out of 10 in geometry that says s/he sucks in math and is definitely not slated for an accounting, engineering or physics major. It does not say that s/he sucks as a student or as a person. Thank goodeness for that as I had an allergy to math that persists to this day.

Yet, too often we judge ourselves in that harsh and self-critical tone. Many, especially those people whose self-esteem is low, do not give themseleves the benefit of the doubt. Instead they doubt and diss themseveles every step of the way.

Perfectionistic and unrealistic expectations create a sense of inferiority,despite the person deserving to feel adequate and more so. Unfortunately, in most cases,bruises and their scars left in childhood linger long after they are relevant. Most of the time they were inaccurate to begin with, but inflicted by those in powerful positions-- parents, teachers, coaches... We bought their bull!

Tune in tomorrow for a helpful way out of this trap.

Bye For Now,

Bill

williampenzerphd.com

954 475 1371 x 1
561 361 1898 x 1

see 3/17 blog to know our goals