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    Can I Minimize Or Avoid Closing Costs
    BasicsThe usual way people avoid or minimize their closing costs is to have the costs included in their loan.Rather than paying these costs up front the borrower pays the costs through the loan over time.This allows a buyer to save their cash up front. For a buyer getting 100% financing this helps them have very little in the way of cash costs when getting a property.How To Do ThisThe closing costs are usually added into a loan.For example, a $300,000 sale may involve $5,000 in closing costs. If a borrower is getting a 100% loan of $300,000 they will still need to pay the $5,00
    d you can have an attachment to the outcome. You can find yourself reacting on assumptions and from your point of view only. Sometimes you may react before the other person has even finished their sentence.

    As a matter of fact, I did this the other day with my son, and when I was done with my little lecture he said, “Mom! Here’s what I was going to say.” When he finished I realized my reaction was way off base. A simple response to his qu

    Cope With Unwanted Situations With Life Insurance Policies
    Let us accept it for once and ever. Every other day we are exposed to various risks wherefrom a few could prove to be fatal or should I say (god forbid!) final clouting. No, I am neither a pessimist, nor a cynic. This is pragmatism and the most recommended way to deal with those unwanted situations is to confront them rather than shirking away. This is not an attempt to preach or scare you by threatening your existence; rather I am voicing my concerns over human life which can be shielded well with a back-up plan in case of a deadly mishap or anything that’s capable of affecting the normal way of life. Yes! We are abou
    There’s been a common theme lately in my coaching practice with my clients and I thought it would be worthwhile to share this with you. We’ve been having a great deal of discussion about reacting to a situation as opposed to responding.

    Can you recall a time when you might have reacted to something or someone and when the incident was all over feelings were hurt and you told yourself you wished you had handled it differently? If you’ve got kids, a life partner, parents, friends, a boss, employees, dog, cat or bird, I’d put money on the fact that you said yes. Don’t despair; reacting to all the challenges life throws at you is as normal as needing to breathe.

    The good news is you can turn your unnecessary reactions into responses, if you choose to do so. But before I go any further, let me clear up the difference between an unnecessary reaction and a reaction worth having.

    When you or a loved one is in harms way, you may automatically react to protect yourself or them and that’s a reaction worth having. When you’re driving in your car and a dog suddenly runs out in front of you, you react by slamming on your breaks so as not to hit the dog. When you react out of pure joy and love with excitement you are in the moment letting your authentic self shine through, having no regrets later as to how you behaved. Okay, maybe you’ll feel a little embarrassed if you really whooped it up, but let’s be honest here, there’s still a smile on your face when you think back about the reaction and you’d probably do it all over again.

    With that said let’s focus on the reacting vs. responding to the people in your lives that matter to you the most. Reactions to situations that anger you or make you uncomfortable are quite spontaneous, without much thought and you can have an attachment to the outcome. You can find yourself reacting on assumptions and from your point of view only. Sometimes you may react before the other person has even finished their sentence.

    As a matter of fact, I did this the other day with my son, and when I was done with my little lecture he said, “Mom! Here’s what I was going to say.” When he finished I realized my reaction was way off base. A simple response to his qu

    Guys that Beautiful Girls Want: You Can Be One
    "Our attitude toward life determines life's attitude towards us."- Earl NightingaleI have a good friend, let’s call him Ted, who's pretty average looking. He's short and occasionally puts on a little extra weight around his middle. Yet, before his marriage, he was always a big hit with women.I asked him his secret."It's all attitude. I'd walk into a bar or a party and think to myself 'I'm the guy to be with.' Women would pick up on that."My husband told me a similar story:"When I was in my early 20s I used to hang out at this bar, and there was this massively overweight bouncer with a
    ot kids, a life partner, parents, friends, a boss, employees, dog, cat or bird, I’d put money on the fact that you said yes. Don’t despair; reacting to all the challenges life throws at you is as normal as needing to breathe.

    The good news is you can turn your unnecessary reactions into responses, if you choose to do so. But before I go any further, let me clear up the difference between an unnecessary reaction and a reaction worth having.

    When you or a loved one is in harms way, you may automatically react to protect yourself or them and that’s a reaction worth having. When you’re driving in your car and a dog suddenly runs out in front of you, you react by slamming on your breaks so as not to hit the dog. When you react out of pure joy and love with excitement you are in the moment letting your authentic self shine through, having no regrets later as to how you behaved. Okay, maybe you’ll feel a little embarrassed if you really whooped it up, but let’s be honest here, there’s still a smile on your face when you think back about the reaction and you’d probably do it all over again.

    With that said let’s focus on the reacting vs. responding to the people in your lives that matter to you the most. Reactions to situations that anger you or make you uncomfortable are quite spontaneous, without much thought and you can have an attachment to the outcome. You can find yourself reacting on assumptions and from your point of view only. Sometimes you may react before the other person has even finished their sentence.

    As a matter of fact, I did this the other day with my son, and when I was done with my little lecture he said, “Mom! Here’s what I was going to say.” When he finished I realized my reaction was way off base. A simple response to his qu

    Student Loan Debt Consolidation
    A student has the option to combine several federal loans into a single loan. This is called as consolidation of the loans. Consolidated loans have lower interest rates and higher repayment periods.There are several finance organizations and banks that come forward to consolidate existing loans. The particular company which consolidates the loans first pays off the existing loans to their respective lenders. Then all those loans are merged into one, taking the average of their rates of interest as the applicable rate of interest on the consolidated loan. Thus the borrower finds a reduction in the interest rate.
    .

    When you or a loved one is in harms way, you may automatically react to protect yourself or them and that’s a reaction worth having. When you’re driving in your car and a dog suddenly runs out in front of you, you react by slamming on your breaks so as not to hit the dog. When you react out of pure joy and love with excitement you are in the moment letting your authentic self shine through, having no regrets later as to how you behaved. Okay, maybe you’ll feel a little embarrassed if you really whooped it up, but let’s be honest here, there’s still a smile on your face when you think back about the reaction and you’d probably do it all over again.

    With that said let’s focus on the reacting vs. responding to the people in your lives that matter to you the most. Reactions to situations that anger you or make you uncomfortable are quite spontaneous, without much thought and you can have an attachment to the outcome. You can find yourself reacting on assumptions and from your point of view only. Sometimes you may react before the other person has even finished their sentence.

    As a matter of fact, I did this the other day with my son, and when I was done with my little lecture he said, “Mom! Here’s what I was going to say.” When he finished I realized my reaction was way off base. A simple response to his qu

    Working With Passion: How to Incorporate More Magic into Your Work and Life
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    Okay, maybe you’ll feel a little embarrassed if you really whooped it up, but let’s be honest here, there’s still a smile on your face when you think back about the reaction and you’d probably do it all over again.

    With that said let’s focus on the reacting vs. responding to the people in your lives that matter to you the most. Reactions to situations that anger you or make you uncomfortable are quite spontaneous, without much thought and you can have an attachment to the outcome. You can find yourself reacting on assumptions and from your point of view only. Sometimes you may react before the other person has even finished their sentence.

    As a matter of fact, I did this the other day with my son, and when I was done with my little lecture he said, “Mom! Here’s what I was going to say.” When he finished I realized my reaction was way off base. A simple response to his qu

    Chronic Fatigue Syndrome Treatment
    No single cause of chronic fatigue syndrome (CFS) has been found, so the exact cause of is unknown. Your healthcare practitioner will try to rule out other conditions that cause fatigue such as:• Food allergies• Viral infections• Adrenal gland dysfunctionThe symptoms of chronic fatigue syndrome (CFS) are at least 6 months of disabling chronic fatigue which symptoms may include:• Difficulty sleeping• Lack of concentration• Joint and muscle pain• Mild fever• Swollen lymph nodes• Short term memory lossChanging the diet
    d you can have an attachment to the outcome. You can find yourself reacting on assumptions and from your point of view only. Sometimes you may react before the other person has even finished their sentence.

    As a matter of fact, I did this the other day with my son, and when I was done with my little lecture he said, “Mom! Here’s what I was going to say.” When he finished I realized my reaction was way off base. A simple response to his question would have been all that was necessary, my blood pressure would have been kept down a few notches and the conversation would have been finished a lot sooner.

    It’s because of reactions like this, that a situation can get out of hand and become much more than it was ever intended to be. And, when you react before you think, you can say things to the other person you didn’t mean to say and not make a whole lot of sense in the process. Feelings are hurt and the whole thing’s a mess until hours or days go by and you’ve finally cleared it up. Or, things never really get cleared up and it festers inside you until the next incident creating yet another reaction. I call this a reaction of chain reactions.

    Responding is the opposite of reacting. When you’re willing to suspend judgment for a moment and just listen, you can put yourself in a response mode. Responding is a conscious act and you’re choosing to be fully present to what’s happening. You’re not immediately concerned about the outcome. You’re willing to hear what’s being said, so when the other person is finished you can respond from a place of wanting to find a resolution and the other person feels like they were understood.

    There is no question that responding takes more effort. And I dare say that most of us walk around reacting instead of responding, simply because it’s easier. Reacting takes less immediate effort on our brain’s part.

    Responding forces us to grow which can be scary. However, as we grow, we become more attractive to the people around us. When we become more attractive to the people around us our lives improve ten-fold in every way.

    So the next time you have the opportunity to choose between reacting vs. responding take a minute and decide what would be best

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