In this issue
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Golden Nuggets
Intention v Attention
Wealth Lane Highway #3 : Property
Freehold or
Leasehold - what's best?
Success! thinking, coaching, clients
It's all in the mind...
A note from Nicola
Three Big Ones!
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Golden Nuggets ...
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Intention v Attention
by Nicola Cairncross and
featured in Wealth Tips 101 (see the right hand column)
 One
day, early in my coaching career, I panicked about not
having enough clients.
I scheduled a call to my first ever
coach, Rachel Turner of Kaizen Coaching, to discuss
emergency measures I could take. However, before the call, I
heard Rachel's voice in my head (sign of a good coach,
note!) asking me, "well, Nicola, just what HAVE you done to
attract clients?"
And I thought to myself, well, we discussed this, this
and that, and I COULD have done this, this and that. But at
the end of the day, what HAVE I actually done? Not much at
all, was the truthful answer.
It is almost as though we don't take action because we
have already convinced ourselves that it won't work.
And this moment of insight was all it required for me to
think "well, I don't want to tell her these things don't
work, because I haven't actually tried any of them". Is it
an inbuilt cynicism, a bit like the cynicism that stopped me
ever reading personal development or wealth creation books
in the past?
So the coaching call was a bit redundant in the end,
because it was all about me reporting in to Rachel on the
actions taken since the day before (some of which were
already working!) rather than me moaning on to my coach
about all the things I hadn't done, which weren't working.
Interesting huh? Whenever I speak to my clients and they
are complaining that they haven't got enough clients, I
always ask them...
continue reading here >>>
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losing over £100K, and will potentially make
me 10 times that….. so much for the advice
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Money Gym Platinum Member
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Tele-Seminars, Training & Events
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Wealth Highway
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This week we're in Lane #3 : Property
Freehold or Leasehold - what's best?
by Nicola Cairncross
Susannah Jones asked:
 “I
recently asked a question (which Nicola answered in her
ezine) on the subject of how you pay off the mortgage on a
buy to let portfolio. Her answer - that you dont! - blew my
mind and I loved it. But it then got me thinking about my
investment strategy.
Most of the properties I am looking at
are leasehold, but I wonder whether it makes sense to try
and buy freehold properties instead, given that the leases
will eventually expire and need to be renewed at great cost,
wiping out the benefits of any profit made. Is that correct,
or is there something I am missing?”
Nicola says:
Dear Susannah
You ONLY really want to buy leasehold flats. As one of
the co-owners of the9ease (which i0 what you are as a
leaseholder) you have quite clearly defined legal rights in
return for what is a very small yearly payment.
If you were a freeholder (as you are with a house) you
would have no recourse to the law to sort out those noisy
neighbours, people who muck up the hallways, refurb their
motorbikes outside their front doors, leave rubbish around,
have late night parties, allow their children to be badly
behaved and intimidating, for example.
With a lease all the leaseholders can band together and
force the miscreant to pull their socks up and behave. With
a freehold you would have no such protection.
Many people worry about...
continue reading here >>>
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Quote of the week
"When a man's knowledge is not in order, the
more of it he has,
the greater will be his
confusion."
Herbert Spencer
1820 - 1903
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Success! thinking, coaching, clients
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It's all in the mind...
Nicola says:
 Over
at one of my favourite blogs "Get Rich Slowly" they are sharing "the
story of a woman who wondered, “I
make $6.50 an hour — am I poor?”
The author had lost a good-paying job,
moved to rural Montana, and was struggling
to get by.
Several readers forwarded a similar story
about a woman who is
surviving (and thriving) on $12,000 a year.
The authors of both articles live on
about the same income.
What is remarkable to me is the
difference in the women’s attitudes. Karen,
who makes $6.50 an hour, complains about
work conditions (she feels like a “slave”),
seems unwilling to make sacrifices, and
glosses over the fact that she owns a home.
Donna, who makes $12,000 a year, has...
continue reading
here
>>>
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A note from Nicola
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Dear Friend
I’ve been feeling pretty pensive
this week, having completed Rich
Schefren’s “Three Big Questions”
recently: “what worked in
2006?”
“what didn’t work in 2006?”
“what held you back in 2006?” You
fill them in in terms of the answers and
then “takeaway” from the answers.
What worked for me in 2006 was most
definitely working in small, tight knit
teams of people I love and respect.
While he likes to say that we are
totally incompatible, Steve Watson has
made a major difference to my life. He
is the business yin to my business yang
and while we argue like mad, he calms me
down while sometimes winding me up!
Judith Morgan is an amazing friend and
business partner and I just love her
focus, her gentle firmness and her
abundant attitude. My sister Sarah
Cairncross taking on this ezine has been
an amazing experience – she brings extra
to the table every time.
 Greg Ballard
and Andy Shaw – great friends and
mentors - have just been amazing this
year, as always, and I miss that we are
not working so closely together at the
moment and having those mad meetings up
at their office. Herding cats it was,
but so much fun!
Also what worked for me was starting to
work to my strengths (unique abilities +
education + skills = strengths) and
totally pass over everything else in our
business to other people. Admin,
finance, organisation, even lots of the
techie stuff, marvellous. All I do now
is write, speak, think, and network.
What TOTALLY didn’t work for me in 2006
was being lured into going back into a
service orientated environment with the
Automated Marketing Machine. After
working in a coaching environment (where
the client takes responsibility for
their success and driving things
forward) for a few years, that was a bit
of a shock. I ended up in a situation
where there are a few people out there
who don’t think as well of me as most,
over recent years, and I don’t like
that. I like to be thought well of.
But the last client we took on is lovely
and is now taking over £1000 a week
online – over $2200 a week, and it’s
only going to grow and grow for him.
Largely automatically but he’s working
it too – with his MySpace profiles, and
it’s a joy to watch.
What didn’t work for me about the
service environment is that I’m just not
tough enough to imagine that we needed
to put such firm boundaries in place
around what we would or wouldn’t do, and
then to rigorously enforce those
boundaries. Steve too, being from a
service orientated background, just
wanted to make people happy and in some
cases that just wasn’t possible.
With
The Money Gym, it’s all set up to
have such boundaries in place –
developed gradually since 1999 and
working with over 70 clients in that
time - and we are very firm about them –
got a lot firmer since Judith and Steve
came on board too!
But what that does is teach people that
nobody can ever care as much about their
business and financial success as they
do and that they are responsible for
creating it – with our help, support,
guidance, network of experts, community,
coaching and expertise, of course.
So it’s back to building my passion -
The Money Gym - by speaking, writing, a
bit of internet marketing mentoring
occasionally, for me.
While Steve works with me on the
The
Money Gym and also enjoys working with
some very carefully selected and
screened clients like the lovely Emily
Gordon & our very own and most prolific
Judith Morgan on their Great Little
Business project – coming soon - and
Vanessa Bsirsky (www.VanessaBsirskyOnline.com)
What held me back in 2006?
Three things, really. Not trusting my
instincts and intuition, focusing on the
short term at the expense of planning
for the long term and my recurring
problem - lack of focus. The message of
the importance of the latter has been
repeatedly coming to me, in that way the
Universe has of sending messages that
get more and more insistent till you
“geddit” finally.
I want to slow down, relax a bit and
stop working at this pace. Practice some
extreme self care as Judith calls it.
Take time out to enjoy life more.
So I’m focusing on the long term,
trusting that the short term will turn
out ok. I’m listening to my
intuition and when I’m not sure, I’m
discussing things with my partners and
advisors until I can feel it again, and
I’m trying to avoid doing anything
unless we can make it fit with – and
enhance the marketing of -
The Money
Gym. Keeping it focused. It’s not all
plain sailing by any means and Steve has
to keep “reigning me in” as he calls
it…while he deals with a lot of the
fallout from last year - but the fog in
my brain is clearing a bit.
So Valentine’s Day is creeping up upon
us, and as I haven’t ventured out into
the dating world again since the last
hilarious disaster, I felt quite
confident about choosing Valentines Day to re-launch
The Money
Gym Platinum Level (see the lovely
pink box above for more details).
We’ve done some surveys (join
in and tell us what YOU think here),
we’ve talked to our clients and coaches,
and then we’ve just added things for the
sheer joy of it. Of course this means
that if you are not bothered about the
extras, the canny among you can still
get in for the old 2006 membership fee,
but you’ll have to be quick!
Talking of launches… Andy’s book and
membership site launch – WOW! if ever
there was a brilliant example of how to
launch a product online, that was it.
He’s working with a completely genius
team of course, which makes the VAST
amount of work more do-able, but he’s
waking up at 2am and they assure me that
they have not got much sleep over the
past few months. If you missed my
private label promotion (with associates
goodies) he’s still giving stuff away
over at
http://www.AskNicolaCairncross.com/Recommends/AndyShaw
Membership sites – now there’s a can of
worms. I want one and I want it NOW!
However, if you want a membership site
that fully integrates with
TotalBusinessCart you have two
choices – Visiongate and aMember. And I
do want one that integrates. Visiongate,
well suffice to say I went there and the
customer service was non-existent.
aMember….it’s PHP and I don’t want to
learn PHP. So we are looking for a
personal recommendation for someone who
can install, customise and support it
for us. Could that person be YOU or
someone you know? Email
steve@themoneygym.com now and tell
us!
Have fun, I am!
Nicola
 Nicola Cairncross
Wealth Coach
Internet Strategist
Professional Speaker
Author
Click here to have Nicola speaking at YOUR event >>>
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