The Flow of Time and Money by Lloyd Watts, PhD

ABOUT THE AUTHOR:

Lloyd Watts was born in London, England, on October 2, 1961. He earned a Ph.D. in Electrical Engineering in 1992 at the California Institute of Technology, studying with Silicon Valley pioneer Carver Mead. In 2000, he founded Audience, Inc., a venture-capital funded startup that builds advanced noise reduction chips for cell-phones. Dr. Watts is the author of 5 patents and many technical papers. He is an accomplished photographer, painter, musician, former hang glider pilot, and proud father of two lovely daughters. He lives in Mountain View, California, in the heart of Silicon Valley.

You can visit Lloyd online at http://www.flowoftimeandmoney.com/

ABOUT THE BOOK:

The Flow of Time and Money is a groundbreaking new book that will help you master the relationship between your time and money. Using simple, proven techniques and easy-to-understand diagrams, Dr. Lloyd Watts shows you how to take control of your income, expenses and time commitments in order to achieve wealth and personal fulfillment.

Lloyd agreed to an interview. Here's what he had to say:

Could you please tell us a little about your book?

My latest book is The Flow of Time and Money: How to create a full and prosperous life. It takes two subjects (time management and financial success) and shows that they are two sides of the same thing, have the same structure, and are connected in two surprising ways.

1. The first way is that Time and Money have the same basic flow structure. They flow IN in the same way (you get your weekly job income, and you get your 168 hours each week of time). They flow OUT in the same way (we have some necessary expenses of money, like food, shelter, and clothing, and we have necessary expenses of time, like sleeping, eating, bathing). And there are ways of productively investing both time and money that lead to fulfillment and prosperity (investing money into assets that produce Capital Gains and Passive Income, and investing time in your relationships, education, and health). The flow patterns are the same, and when we truly see the big picture of how we are spending our precious Time and Money, we start managing our lives better to cut out the harmful and wasteful things, and to make the good stuff happen.

2. The second connection between Time and Money is that we have ways of turning one into the other. The simplest way to turn Time into Money is to work at a job. Your Employer turns your time (8 hours/day) into your Job Income, at a rate determined by your professional education and relationships. Your Time and your Money are directly connected by your Employer. That is the usual way that the vast majority of people live their lives. The Flow of Time and Money shows you how to eliminate the Employer from your life: by investing in your Life Assets and Material Assets, to produce Passive Income and Capital Gains, so you can live on those sources of income, rather than Job Income, so you can have more Time to enjoy your life and contribute to making the world a better place.

When we understand the "rules" of Time and Money, we can see how to build a strategy for how to win the game – to become financially independent. The Flow of Time and Money describes the four stages on the Path to Financial Independence – Youth/Education, Accumulating Capital, Small Deals and Big Deals. Each of these stages has things that need to be learned to prepare you for the next stage. And each has traps that can prevent you from moving to the next stage. The first big trap is the Save and Spend Trap, which we dutifully teach to our children with the "piggy-bank and allowance" method of financial education. The second big trap is the Borrow and Spend Trap – many people are tempted into this trap by peer pressure and the desire for social status, to look wealthier than they really are.

All told, the book describes how to build a complete life, with the money to enjoy the good things that life has to offer, and the time to enjoy our loved ones and make a contribution to the world.

Did something specific happen to prompt you to write this book?

I’ve been writing since 1999, when I first put together the flow diagrams and seminar on which The Flow of Time and Money is based, and then committed the seminar content to an early version of the book.

When I wrote the first version of The Flow of Time and Money in 1999, I was preparing to start my first technology company (Audience) based on work I had been doing for about a decade. I was 38 years old and felt like I had been preparing all my adult life to start this company. But at the same time, my seminar on The Flow of Time and Money was being enthusiastically received, and I felt the urge to commit it to writing and publish it in an early form. I knew it was too early for me to ask for wide attention on the subject of financial success, because I had not succeeded yet – I was just preparing to start my first company. But somehow I sensed that Audience would be successful, and I felt the urge to "call my shot" – to write how I felt Time and Money worked, from the point of view of a young man about to do something that he hoped would be great. There are many books written by successful people, after the fact, and I have always felt that they suffer from a kind of revisionist history. I wanted to make available my thoughts and thought processes on these important subjects, from the point of view of a person who was about to climb the mountain. I knew that if I reached the top, I would be glad to have a written record of what I took with me, and that other would-be climbers might be glad to read it too.

Is there an author that inspired you to write?

My mother had an extensive library of self-help books. I remember a day when I was about 14 years old that changed my life. I was looking through her large library at books whose titles did not capture my interest. But then I saw a book by Raymond Hull, entitled How to Get What You Want. I remember thinking, "OK, if that doesn’t grab you, what will?" I pulled it off the bookshelf and couldn’t put it down. A recipe, a sensible method, for how to get anything I wanted! I could hardly believe that someone had written something so simple, so powerful. I felt like I had discovered Alladin’s lamp. I followed it to the letter, and found that it did indeed work as advertised. It is one of the references in The Flow of Time and Money, the first of many books which deeply influenced me.

The other two books that inspired me to write The Flow of Time and Money are The Seven Habits of Highly Effective People by Stephen Covey (largely about time management and relationships), and Rich Dad, Poor Dad by Robert Kiyosaki (largely about money). Both of these books taught me some important things, and yet both left me with a feeling that there was more to be said, and that the two disciplines of time management and money management could be unified.

What do you feel sets this book apart from others in the same genre?

The Flow of Time and Money is unique in its clarity, brevity, completeness and importance. The clarity and brevity come from the use of simple diagrams and analogies to explain the perennially difficult subjects of time and money management. The completeness comes from taking a whole-life view, that includes the financial aspects of a life, and the time management aspects of a life. Most books treat those subjects separately. The Flow of Time and Money is the only book I know of that handles both subjects in a unified way. Finally, I do believe that this is an important contribution. Many people are unfulfilled and have serious financial problems. The Flow of Time and Money aims directly at those important problems with simple, clear solutions that anyone can follow and improve their lives dramatically.

Are you a different person now than you were 5 years ago? In what way/s?

Yes, I am a very different person now than I was 5 years ago. In 2004, I was the Chief Executive Officer (CEO) of Audience, and I had just raised Audience’s first venture capital financing of $5M. Audience had raised money, was growing its team, but had not yet defined a product. The Flow of Time and Money had been released in preliminary form in 2000 but was essentially dormant. In 2009, I have gracefully transitioned to Chief Technology Officer (CTO), Audience has raised $60M in venture financing, we have defined a product and it is selling well into top-tier international cell-phone companies. I have learned a lot as Audience has grown and matured, and I have validated many of the ideals that I held to be important before starting Audience. The Flow of Time and Money has received spontaneous and unexpected support from a large group of people, and it seems to be making a difference in the people’s lives. These successes are giving me confidence that I did not yet have in 2004, and making me bolder about trying to make a contribution to the world in my own unique way. And the act of voluntarily transitioning from CEO to CTO at Audience has given me a sense of freedom and peace of mind that I did not have previously.

What is the most important lesson you have learned from life so far?

Listen.

Is there anything else you would like to share with us?

Thank you so much for the opportunity to reach out to your readers, and thanks to your readers for taking the time to read this interview. I hope you enjoy The Flow of Time and Money, and it helps to bring you wealth and fulfillment in your own life.

The Flow of Time and Money is available on Amazon.com, and will be available shortly in bookstores.

www.flowoftimeandmoney.com
http://www.amazon.com/gp/product/0980153719
www.lloydwatts.com
Lloyd Watts

WIN PRIZES!!!

THE FLOW OF TIME AND MONEY VIRTUAL BLOG TOUR '09 will officially begin on April 1 and end on April 30. You can visit Lloyd's blog stops at http://virtualbooktours.wordpress.com/ in April to find out more about this talented author!As a special promotion for all our authors, Pump Up Your Book Promotion is giving away a FREE virtual book tour to a published author or a $50 Amazon gift certificate to those not published who comments on our authors' blog stops. More prizes will be announced as they become available.

Keys to Living Joyfully by Sheri Kaye Hoff

About the Author:

Sheri Kaye Hoff resides in Parker, CO with her husband and three children. She is a Life Coach and owner of the Sheri K Hoff International Coaching Company. She teaches college classes as an adjunct faculty member and has earned her Master of Arts in Organizational Management. Her new book, Keys to Living Joyfully,offers a way of living a meaningful, successful and joy filled life.Ms. Hoff is a personal and executive life coach.

Spirituality is a vital part of her life’s work. Prayer and meditation are integral pieces of her daily ritual, which enables her to pursue her life’s passions and live a truly joyful life.Her words on faith are derived from her own Christian walk and spiritual self-discoveries. Her action steps mix faith and years of leadership training, mentoring, and management. Sheri Kaye Hoff suffered the tragic death of her younger brother when she was a teenager and struggled for years to rediscover the capacity to feel joy and to enjoy her successes. She has a heart felt desire to pass on her knowledge and discoveries that have led to a truly transformational life.

Ms. Hoff publishes a free weekly inspiration newsletter, Coach Sheri’s Weekly Inspiration Tips. The Sheri K Hoff International Coaching Company also offers:
* Teleclasses
.* Webinars
* In person small and large group Coaching
* Corporate Training
* Keynote speaking
* Seminars
* Individual Career and Life Coaching (For a limited time- receive a free introductory one hour life coaching session)

You can visit her website at http://www.lifeisjoyful.org/.

About the Book:

Keys to Living Joyfully is an inspirational book on experiencing joy, peace, passion, and energy in daily life. It is designed to demonstrate the powerful roles of thoughts, action, and faith. The book is a merging of Sheri Kaye Hoff's spiritual life and lifelong interests in leadership and motivation. The ideas presented in the book are techniques and processes that have worked for the author and clients. Foreword is written by Michele Caron, creator of MyLIfeCoach.com

The book, Keys to Living Joyfully, was born out of a heartfelt desire to share the keys that lead to living a transformational life. Ms. Hoff is a personal and executive coach working with individuals, small businesses, and corporations. Her words on faith are derived from her own Christian walk and spiritual self-discoveries. Her action steps are a mix of faith. love, leadership skills, and management experience.

Chapters include topics such as: Is your heart thinking right? And how to tap into intrinsic motivation. This book, Keys to Living Joyfully, offers the techniques and insights that move people towards more peace, joy, energy, and passion in everyday life.

I had the chance to interview the author. Here is what she had to say:

In the last year have you learned or improved on any skills?

In the last year, I have learned a lot about social networking, blogging, and internet marketing. I thought I knew a lot, until I started promoting my book and my knowledge and skills in this area have jumped. I now have facebook, twitter, myspace, LinkedIn, and other account. I have also become friends with people on almost every continent. I became part of a very promising exclusive mastermind group. My world has expanded exponentially.

Do you have any rituals you follow when finishing a piece of work?

When I finish a piece of work, I celebrate with cake and champagne. I make a big deal about it. I use to just quickly move on to the next project or task, now I relish and revel in the celebration.

Who has influenced you throughout your career as a writer?

I have been reflecting on my writing process and inspiration. My mother was always enrolling me in creative writing classes even as a young child. I think I always thought of myself as somewhat of a writer. I enrolled in Mr. Peterson's Creative Writing class when I was in 10th grade and I felt very confident about it. My mother was even one of his students when she was in high school and he was her favorite teacher. I was excited. I was one of those-mostly "A" students and knew that this would be my fun class-compared to Trig.

On the first day, we were told the we would spend the first fifteen to twenty minutes of every class free flow writing in our journals. We would also hand in our journals. I thought, I can handle that. Then Mr. Peterson announced that he didn't grade work-he either wrote VG for very good, G for good, and nothing if it was less than good. My whole "working for my grade" became a confusing process for me.

We had different types of creative writing assignments. Soon, I had the frustrating experience of pouring my heart into my work and receiving only a "G". I kept working harder, but felt disappointed inside. I thought, maybe I am not a writer. I remember the most difficult assignment for me was to write a sonnet. I love poetry-but write in free verse. Now, I had to follow the rules of the sonnet. I was afraid that I could not do it. I created my one and only sonnet of my life and it is called Mountain Paradise. And I received my first "VG". I glowed with pride. Mr. Peterson was helping all of us learn discipline.

I went on to work with Mr. Peterson on the school paper. In one of my articles, I had some facts that were incorrect. When I walked in the door at school, he almost tackled me and said that some of my facts were wrong. I then, said, "Well, I assumed". Then his face turned beat red and he hollered-"You assumed? You assumed? a journalist never assumes anything." I learned my lesson about checking facts.

He was a demanding, brilliant teacher and he loved writing. I am a better person because I experienced working with him. I even suspected, afer awhile, that he did believe in me. By the way, I did earn an "A" in that class.

To all the Mr. Peterson's out there-Thank you for caring so much.

What do you feel sets this book apart from others in the same genre?

My readers tell me that they feel that I am writing directly to them in my book, Keys to Living Joyfully. They feel that I am speaking to their hearts and know their stories. When I wrote the book, I had a deep desire that people could feel my heart and feel like they were one of my personal friends when reading. I wrote with gentleness and truth. When you hold the book in your hands, I think people can feel this and feel the spirit of the book.

You know the scenario – you’re stuck on an island. What book would you bring with you and why?

This is a hard question because I love books and books from many genres.
I would probably bring Stephen Covey’s 7 Habits. There is a section that talks about how Sadat felt more free when he was in prison because he realized his mind was free. I read this book the first time when I was on bedrest for 11 weeks when I was pregnant with my oldest daughter. I could only get up for three minutes every hour and the medication that I was taking made me shake. I felt trapped in my own body. My mother gave me the book and it was one of the best experiences of my life. I thought if a prisoner could feel free, so could I. This is when I began to study the importance of thoughts in terms of a person’s reality. So, if I were stranded on an island, I might need Covey’s words to remind me that my mind was still free-so I was essentially free.

Is there anything you regret doing/not doing?

I think there will always be a part of me that wishes that I could have somehow prevented my brother’s death. This experience has, of course, added a level of deep sadness to my life and spurred my pursuit of finding a way to live a joyful life in spite of life events. Now, even though I do experience joy on a daily basis, I still have times when I cry over him. I think that my thoughts about loosing my brother hover slightly around the poetry that I write. I also have a deep compassion for characters in real life and in fiction with lost souls. I want to soothe them and make them better. For instance, I wish I could heal the Phantom of the Opera’s loneliness.

Is there anything else you would like to share with us?

Sure, you can find me at http://www.lifeisjoyful.org and my book is available on Amazon.


WIN PRIZES!!!
KEYS TO LIVING JOYFULLY VIRTUAL BLOG TOUR '09 will officially begin on March 2 and end on March 27. You can visit Sheri's blog stops at http://www.virtualbooktours.wordpress.com/ in March to find out more about this talented author!As a special promotion for all our authors, Pump Up Your Book Promotion is giving away a FREE virtual book tour to a published author or a $50 Amazon gift certificate to those not published who comments on our authors' blog stops. More prizes will be announced as they become available.

Five Steps to C.A.L.M. by Robert Patterson

Join Robert Patterson, author of the business book, Five Steps to C.A.L.M. (Career and Life Management) (Booksurge, 2008), as he virtually tours the blogosphere in December and January on his first virtual book tour with Pump Up Your Book Promotion!

About the author:

Born in Cincinnati, Ohio Reverend Robert Patterson, Sr. is the father of six children (5 sons one daughter) and the loving husband of Mrs. Linda Patterson. He is a grandfather as well as a great grandfather.

As a member of Walker Chapel AME Church (The Fifth District), he has served in various capacities, from the Usher Board to the Steward and Trustee Boards. He has taught both Sunday School and Bible Study and has served in each department to the best of his abilities

His life reads like a road map, he is a Vietnam ERA Veteran (U.S.M.C 1961-1970), A Graduate of San Diego State University (Class of 1975). He has served as a Cable Television News Reporter, (Oceanside, CA.) Host of “Behind the Truth”, Employment Counselor Specialist, (Operation SER), Counselor-Testing Specialist, Metropolitan Area Advisory Committee (MAAC). Coordinator of Manpower, CETA Area Training Center (at Palomar Community College), Transitional Assistance Program Instructor (TAP) and was Director of Personal Affairs (Camp Pendleton, CA) and Coordinated the first ever Sickle Cell Anemia Testing in Oceanside, just to name a few of his many accomplishments.

Reverend Patterson is a strong advocate of education and cultural awareness. He likes teaching and having the interaction and discussion of both Bible Study and Sunday School with the congregation in order to get down to the nitty gritty and still be brief, be specific, and be seated.” As he is fond of saying, “The day that you stop seeking knowledge, is the day that you most surely are dead.”

You can visit his website at www.rpatters.com.

About the book:

A father once told his young son, who was going out into the world on his own, “Son, whatever you want to become, be The Best.” This course teaches you how to be “The Best.”

It begins with instructions on how to put “The Best” of you on paper  Writing Your Resume. Then, later presenting “The Best” of you in person  Preparing for an Interview.

You’ll begin with the basic Resume Content, noting what should and should not be included in your Resume. After mastering the content, then begins the formatting of the Resume.

The author has thoughtfully provided you with a Resume checklist. Some of the questions are as follows:

Is the Resume two pages or less?
(Do you realize the importance of this question?)
Are the dates consistent on the left (or right) side, and limited to years?
Does the language “flow” (neither stiff nor stilted)?
Are Action Verbs used to your full advantage?

I would like to make a comment here; this is one of the many sections that you will utilize not only in your job search but also in your everyday associations.

C.A.L.M. gives you access to nine different categories for Action Verbs. They are listed under the headings of:

Communication Skills
Creative Skills
Detailed Skills
Financial Skills
Helping Skills
Management Skills
Manual Skills
Research Skills
Teaching Skills

You’ll be surprised how many Action Verbs from this section you will be able to include in your Resume, which will help make it more impressive to your employer.

Didn’t I tell you that employers would be impressed with your Resume? Now, you have been called for an interview! The next section of the book takes you into “Interviewing Techniques.” What other book walks you through an all-inclusive “Pre-Interview” session? Well, C.A.L.M. does, and once you have completed this lesson, you will indeed be CALM during your interview, no matter how many people may be on the panel of interviewers.

Included in the “Interviewing Techniques” section are Fashion Recommendations, which takes you step by step through the protocol for the business interview dress code, how both men and women should dress when going to an interview. Remember, your Resume may have “opened” the door, now your personal appearance may get a “foot” in that door. Here is where you put the lessons you have learned from C.A.L.M. into practice. Here’s where you sell The Product – Yourself! Don’t worry. C.A.L.M. has fully prepared you for any of the possible questions that you may be asked during the interview. You are ready for them, and you will remain CALM.

C.A.L.M. guides you step-by-step through the entire interview: from the Beginning of the Interview, during the Interview, and through the Closure of the Interview. After completing this course of study, you will glide through your interview with confidence and a sense of achievement. You will have left a favorable impression with the employer, and all because you put into practice your C.A.L.M. course of study.

While the employer is checking you out, C.A.L.M. also instructs you on how to compile a checklist of pertinent company information. Information that is important to you in helping you decide whether or not you would want to work for this firm or company.

The author has thought of everything in preparing you for the job search. He has included a web-site listing for those of you who want to do your job-hunting via the Internet.

C.A.L.M. answers all the questions you may have ever had in your previous job search. The “Who,” the “What,” the “Where,” and the “How.”

If you are willing to strike a Faustian Bargain, that is, willing to sacrifice anything to satisfy a limitless desire for knowledge, then C.A.L.M. is, without a doubt, the course of study for you.

Here is what the author had to say when asked the following questions:

Who has influenced you throughout your career as a writer?

There have been many that have influenced me in my life. Giving this one more thought before I commit to an answer. It is always important to put the credit squarely where it rightly belongs.

Do you write everyday?

Yes, I write just about everyday right after my morning meditation period.

What has been your greatest achievement as a writer?

I would say my greatest achievement, as a writer was to have people see themselves as a marketable product in global market place. I say that because we in this world are taught to market everything else but ourselves. Think about it for just a second. We are told all our young lives that we can grow-up to be anything that we want to be. However, when can you remember when you were ever told prissily step by step to accomplish that great feat? Don’t confuse what I am talking about with the old adage, work hard and everything else will follow.

Have you always wanted to be a writer, or did you aspire to be something else growing up?

No, I have not always wanted to be a writer. Actually, I aspired to be an actor.

Are you currently working on anything?

Yes, I am currently working on my follow-up book: "The Second Steps to Five Steps to enhancing (you) the (Product) in Career and Life Management.

What authors do you enjoy reading?

Stephen R. Covey
Lester Thurow
Mary Walton
Robert Rosenthal & Lenore Jacobson
John Naisbitt
Hans G. Furth
Sun Tzu (the art of war)
Khabil Gibran
Nechi

Is there a particular author/s (yourself excluded) who you feel don't get the recognition they deserve?

I am not aware of either the totality or the depth of vast number of author’s who are out there so I would not put myself into that level of answering that question lacking that knowledge.

What is your favorite book?

As you can see from above I vassalage through my reading and many authors. However, my first choice would be, Nechi and then Khabil Gibran ending with Sun Tzu.

What is a book that has been highly acclaimed but you haven't liked?

I am still working on that one. Rain check.


WIN PRIZES!

FIVE STEPS TO C.A.L.M. VIRTUAL BLOG TOUR '08 will officially begin on December 1 and end on January 30. You can visit Robert's blog stops at www.virtualbooktours.wordpress.com in December and January to find out more about his new book!

As a special promotion for all our authors, Pump Up Your Book Promotion is giving away a FREE virtual book tour to a published author or a $50 Amazon gift certificate to those not published who comments on our authors' blog stops. More prizes will be announced as they become available.