LONDON (Reuters) - BT had to rely on deep cost cuts to maintain its full-year earnings outlook on Thursday after an adverse regulatory ruling and weak European corporate demand sent revenues down 9 percent in the second quarter.
The top line result was even worse than the 7 percent drop the market was expecting, but investors were impressed by BT's ability to deliver efficiency savings and the shares rose 6 percent in early trade.
Chief Executive Ian Livingston said it was a solid quarter given the continued tough conditions for the company's corporate customers.
"Whilst it's a difficult environment in terms of recession and in terms of regulatory impacts, we still delivered profit growth," he said on Thursday.
Britain's biggest fixed-line telecoms company posted headline revenue of 4.47 billion pounds ($7.2 billion), 100 million pounds short of market forecasts. But pretax profit rose by a better-than-expected 7 percent to 608 million pounds.
BT's revenues were hit by a triple whammy of recession, regulation and rain.
Half of the group's turnover is dependent on corporate spending, across both its Global Services division, which serves multinationals around the world, and its business with small- and medium-sized companies.
Livingston said the economy, in continental Europe in particular, had stayed weak for longer than he had expected.
"Continental Europe, particularly Mediterranean countries, is difficult. We've seen double-digit declines there," he said. He added that conditions in the banking sector were also tough.
"(But) we have seen some encouraging signs, both in significant costs reductions and in the order book," he said.
A judgment in UK courts on charges for terminating some mobile phone premium calls also went against the company, which impacted revenue by 40 million pounds year-on-year in the quarter.
And rain increased the number of repairs needed on phone networks, resulting in a backlog of new installations, the company said.
The combination meant BT had to abandon its hope that underlying revenue excluding transit would show an improving trend on the minus 1.9 percent seen last year for the full year, but said the second half would still see an improvement.
The group was able to grow profit by cutting its underlying costs by 10 percent, the best performance in terms of efficiency in recent quarters.
It also maintained its full-year forecasts, to grow adjusted core earnings and to deliver free cash flow in line with last year, and lifted its interim dividend by 15 percent.
RELIEF RALLY
Shares in the company, which have declined by more than 8 percent in the last month, were 6.7 percent higher at 226.8 pence at 1130 GMT, the top riser in the FTSE 100 index <.ftse>.
Hargreaves Lansdown analyst Keith Bowman said BT continued to act as something of a corporate bellwether, with global economic uncertainties affecting company confidence.
"Nonetheless, management continues to attack costs, a key driver for current earnings progress, whilst the group's cash generative nature underwrites increasing shareholder returns," he said.
"In all, the group's perceived status as an 'Internet utility' continues to appeal in uncertain times."
Edwin Lloyd at Edison Investment Management said BT was continuing to roll out its fibre network while also managing to make cost savings.
"BT can't continue its cost cutting to offset declining revenues as it has done in these results but when the economy turns it will have a strong platform in contrast with many of its European neighbours," he said.
BT's retail division, which supplies telephony, broadband and television in Britain in competition with Virgin Media , BSkyB and Talktalk , added 81,000 broadband customers in the quarter, representing nearly half of the growth in the market.
Livingston said the group was accelerating its superfast broadband fibre roll-out, making the lines available to 100,000 premises a week, and he now expected fibre to be available to two-thirds of UK premises by spring 2014, more than 18 months ahead of its original plan. ($1 = 0.6207 British pounds)
Thanks to the internet, investing in real estate remotely is becoming an increasingly attractive proposition. No longer are investors confined to their local markets. Now the entire country (and even world) is open to them. In all likelihood, there is a market out there that is more attractive than what is available in your backyard, so why not take advantage of it? That being said, remote investing does come with some risk. The good news is that investors can mitigate most of that risk simply by choosing a quality investment property provider. Finding a great?provider to work with will allow investors to maximize investment returns, and minimize risk and management headaches. Let's look at some of the characteristics of a good property provider.
Services that should be provided to investors
A good investment property provider should offer a variety of services that help make your life as an investor easier. The two biggest worries for remote investors are property selection and property management. If an investor isn't familiar with the local market, choosing a good property in a good area can potentially be challenging. Property management also can present a challenge for remote investors because they might not be familiar with local market rental trends, demand and so on. In addition, remote investors aren't around to ensure the property is being taken care of. This means that remote investors need a local partner that can help fill in the missing knowledge gap, take care of all day to day things, and ensure that the rental property delivers consistent returns. Here are some services remote investors should expect from a quality company:
What to look for in a investment property provider
Now that you know what type of services a good investment should provide to remote investors, let's talk about some elements that define a quality provider.
Property management
Low vacancies
Low tenant turnover
Innovative marketing
Low delinquencies
Quick to deliver notices
Good system of dealing with property repairs & maintenance
Ample staff
High level of tenant happiness
Quality accounting & property reports
Property selection
High cash flow properties
Focus on high quality areas
Properties selected with future tenants in mind
Quality, low maintenance properties
Great customer service
High number of clients coming back to buy more properties
Scalability - they can support additional properties
Investing in real estate remotely can seem scary, but if you choose the right local partner, your investments should prosper. When you look for that partner, make sure that you do proper due diligence.
This is the sixth article in our series on critical mistakes real estate investors make. Make sure to check out the first four articles:
"Single Family Real Estate Investment" "Investing In Real Estate Doesn't Have To Be A Local Endeavor" "Real Estate Investment Companies: Don't Be Fooled By Their Bloated Return Claims"
"Selecting A Bad Location Can Lead To Unexpected Expenses For Your Rental Property"
"Your Choice Of Property Manager Can Make Or Break Your Investment"
Also keep an eye out for our seventh article in the series next month. If you want to get a sneak peek, we've made our full report on the critical mistakes real estate investors make, available for instant download on our website. If you would like to receive a copy of our free report, you can download one here.
HomeUnion Services is a unique real estate investment platform providing high income single-family cash flow homes nationally for real estate investors. HomeUnion finds Cash Flow Zones with favorable rental to home price ratios, stable employment and strong rental culture. HomeUnion offers these properties fully tenanted, along with Property Managers ready to stay on after the purchase. This ensures a single point of accountability and significantly reduces the risk for out of state investors. In addition, rent and maintenance guarantees are available on homes in some markets. HomeUnion provides post-purchase market intelligence, portfolio analysis, and management oversight for investors.
Contact: Caltech Media Relations mr@caltech.edu California Institute of Technology
Caltech-led team discovers enzyme responsible for neural crest cell development
PASADENA, Calif.During the early developmental stages of vertebratesanimals that have a backbone and spinal column, including humanscells undergo extensive rearrangements, and some cells migrate over large distances to populate particular areas and assume novel roles as differentiated cell types. Understanding how and when such cells switch their purpose in an embryo is an important and complex goal for developmental biologists. A recent study, led by researchers at the California Institute of Technology (Caltech), provides new clues about this processat least in the case of neural crest cells, which give rise to most of the peripheral nervous system, to pigment cells, and to large portions of the facial skeleton.
"There has been a long-standing mystery regarding why some cells in the developing embryo start out as part of the future central nervous system, but leave to populate peripheral parts of the body," says Marianne Bronner, the Albert Billings Ruddock Professor of Biology at Caltech and corresponding author of the paper, published in the November 1 issue of the journal Genes & Development. "In this paper, we find that an important type of enzyme called DNA-methyltransferase, or DNMT, acts as a switch, determining which cells will remain part of the central nervous system, and which will become neural crest cells."
According to Bronner, DNMT arranges this transition by silencing expression of the genes that promote central nervous system (CNS) identity, thereby giving the cells the green light to become neural crest, migrate, and do new things, like help build a jaw bone. The team came to this conclusion after analyzing the actions of one type of DNMTDNMT3Aat different stages of development in a chicken embryo.
This is important, says Bronner, because while most scientists who study the function of DNMTs use embryonic stem cells that can be maintained in culture, her team is "studying events that occur in living embryos as opposed to cells grown under artificial conditions," she explains.
"It is somewhat counterintuitive that this kind of shutting off of genes is essential for promoting neural crest cell fate," she says. "Embryonic development often involves switches in the types of inputs that a cell receives. This is an example of a case where a negative factor must be turned offessentially a double negativein order to achieve a positive outcome."
Bronner says it was also surprising to see that an enzyme like DNMT has such a specific function at a specific time. DNMTs are sometimes thought to act in every cell, she says, yet the researchers have discovered a function for this enzyme that is exquisitely controlled in space and time.
"It is amazing how an enzyme, at a given time point during development, can play such a specific role of making a key developmental decision within the embryo," says Na Hu, a graduate student in Bronner's lab and lead author of the paper. "Our findings can be applied to stem cell therapy, by giving clues about how to engineer other cell types or stem cells to become neural crest cells."
Bronner points out that their work relates to the discovery, which won a recent Nobel Prize in Medicine or Physiology, that it is possible to "reprogram" cells taken from adult tissue. These induced pluripotent stem (iPS) cells are similar to embryonic stem cells, and many investigators are attempting to define the conditions needed for them to differentiate into particular cell types, including neural crest derivatives.
"Our results showing that DNMT is important for converting CNS cells to neural crest cells will be useful in defining the steps needed to reprogram such iPS cells," she says. "The iPS cells may in turn be useful for repair in human diseases such as familial dysautonomia, a disease in which there is depletion of autonomic and sensory neurons that are neural crestderived; for repair of jaw bones lost in osteonecrosis; and for many other potential treatments."
In the short term, the team will explore the notion that DNMT enzymes may have different functions in the embryo at different places and times. That's why the next step in their research, says Bronner, is to examine the later role of these enzymes in nervous-system development, like whether or not they effect the length of time during which the CNS is able to produce neural crest cells.
###
Additional authors on the paper, titled "DNA methyltransferase3A as a molecular switch mediating the neural tube-to-neural crest fate transition," are Pablo Strobl-Mazzulla from the Laboratorio de Biologa del Desarrollo in Chascoms, Argentina, and Tatjana Sauka-Spengler from the Weatherall Institute of Molecular Medicine at the University of Oxford. The work was supported by the National Institutes of Health and the United States Public Health Service.
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AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
Contact: Caltech Media Relations mr@caltech.edu California Institute of Technology
Caltech-led team discovers enzyme responsible for neural crest cell development
PASADENA, Calif.During the early developmental stages of vertebratesanimals that have a backbone and spinal column, including humanscells undergo extensive rearrangements, and some cells migrate over large distances to populate particular areas and assume novel roles as differentiated cell types. Understanding how and when such cells switch their purpose in an embryo is an important and complex goal for developmental biologists. A recent study, led by researchers at the California Institute of Technology (Caltech), provides new clues about this processat least in the case of neural crest cells, which give rise to most of the peripheral nervous system, to pigment cells, and to large portions of the facial skeleton.
"There has been a long-standing mystery regarding why some cells in the developing embryo start out as part of the future central nervous system, but leave to populate peripheral parts of the body," says Marianne Bronner, the Albert Billings Ruddock Professor of Biology at Caltech and corresponding author of the paper, published in the November 1 issue of the journal Genes & Development. "In this paper, we find that an important type of enzyme called DNA-methyltransferase, or DNMT, acts as a switch, determining which cells will remain part of the central nervous system, and which will become neural crest cells."
According to Bronner, DNMT arranges this transition by silencing expression of the genes that promote central nervous system (CNS) identity, thereby giving the cells the green light to become neural crest, migrate, and do new things, like help build a jaw bone. The team came to this conclusion after analyzing the actions of one type of DNMTDNMT3Aat different stages of development in a chicken embryo.
This is important, says Bronner, because while most scientists who study the function of DNMTs use embryonic stem cells that can be maintained in culture, her team is "studying events that occur in living embryos as opposed to cells grown under artificial conditions," she explains.
"It is somewhat counterintuitive that this kind of shutting off of genes is essential for promoting neural crest cell fate," she says. "Embryonic development often involves switches in the types of inputs that a cell receives. This is an example of a case where a negative factor must be turned offessentially a double negativein order to achieve a positive outcome."
Bronner says it was also surprising to see that an enzyme like DNMT has such a specific function at a specific time. DNMTs are sometimes thought to act in every cell, she says, yet the researchers have discovered a function for this enzyme that is exquisitely controlled in space and time.
"It is amazing how an enzyme, at a given time point during development, can play such a specific role of making a key developmental decision within the embryo," says Na Hu, a graduate student in Bronner's lab and lead author of the paper. "Our findings can be applied to stem cell therapy, by giving clues about how to engineer other cell types or stem cells to become neural crest cells."
Bronner points out that their work relates to the discovery, which won a recent Nobel Prize in Medicine or Physiology, that it is possible to "reprogram" cells taken from adult tissue. These induced pluripotent stem (iPS) cells are similar to embryonic stem cells, and many investigators are attempting to define the conditions needed for them to differentiate into particular cell types, including neural crest derivatives.
"Our results showing that DNMT is important for converting CNS cells to neural crest cells will be useful in defining the steps needed to reprogram such iPS cells," she says. "The iPS cells may in turn be useful for repair in human diseases such as familial dysautonomia, a disease in which there is depletion of autonomic and sensory neurons that are neural crestderived; for repair of jaw bones lost in osteonecrosis; and for many other potential treatments."
In the short term, the team will explore the notion that DNMT enzymes may have different functions in the embryo at different places and times. That's why the next step in their research, says Bronner, is to examine the later role of these enzymes in nervous-system development, like whether or not they effect the length of time during which the CNS is able to produce neural crest cells.
###
Additional authors on the paper, titled "DNA methyltransferase3A as a molecular switch mediating the neural tube-to-neural crest fate transition," are Pablo Strobl-Mazzulla from the Laboratorio de Biologa del Desarrollo in Chascoms, Argentina, and Tatjana Sauka-Spengler from the Weatherall Institute of Molecular Medicine at the University of Oxford. The work was supported by the National Institutes of Health and the United States Public Health Service.
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?
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
Unless you are moving with friends and family, moving when you retire is dumb!? You have roots in the neighborhood, family and community.? Social connections are very important to living a long happy life.? Do you really want to start over again in a new place?? Are you moving to a warmer climate?? Why do you want to move?? Is it the lure of an exotic location?? Would you move overseas?
The usual argument for moving is warmer weather or a lower cost of living.? If your goal is to be with other old people, moving may make sense, although your friends are probably your age.? Older people want to be close to relatives, particularly their children and grandchildren.? What will the new place offer?? Who doesn?t want a lower cost of living?? Don?t forget that there is a cost to get that lower cost of living.? Do you have to sell your current residence and to buy a new one?
It may be better and less expensive to rent out your current home or downsize before you retire.? When you sell there is generally a 5% commission and probably a similar cost to buy.? In a lower cost area, you are unfamiliar with the neighborhood, how you will live in the new community and no social connections.? In a foreign country, it is even more difficult.?? Many articles tout less expensive countries with lower costs of living, but very little written about the downside of living in another country.
Moving to a different country will probably mean learning a new language and culture.? Other issues may be access to medical services and dietary requirements.? These are just a few of the changes you will need to get used to if you move to another country.? Do you buy or rent??? Investing in a foreign country has different risks, one of which may be restrictions/regulations to buy and sell property. ?There are generally restrictions for foreign (non citizen) ownership, governmental restrictions and customs.
Many retirees move to warmer climates such as Florida, Arizona or California.? Do you want to start over again when you are in your sixties or seventies?? Making new friends and finding a new place to live can be a daunting task. It can be made a lot easier, if all your friends do the same thing, but that is rare!? If you have visited the community often and have a connection, it may work.? There are still risks, but it helps to do your homework!
What do you like to do?? What will you do in retirement?? It is probably all the things you did before retirement.? You want the things you like to do nearby including spending time with friends, relatives or grandchildren.? Moving may mean re-establishing your connections and travel to see your grandchildren.? How will you make new connections??? Will you join a church, social group, volunteer or meet your neighbors.? Does all this fit with your personality?
You may be moving for a more affordable lifestyle, but making friends will help you adjust.? If you are planning to move when you retire, you need to think about the changes.? Moving away from friends and family to a new location domestically or internationally just adds to it.? Remember, you were working for thirty-five to forty years and you just stopped!? That in itself is stressful and you are adding a change of residence and location.? Leaving your familiar community and connections adds more stress.? Why would yu want to have stress in your life at this time??? Unless you are moving with friends and family, moving when you retire is dumb!
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'It was interesting to read the recent article about how Citigroup is currently the least productive big bank.
But when you talk about employee productivity, there are a few issues -?often ignored -?that can impact how productive the workforce is.
By the time I departed Citi several years ago, I was often working 60 to 70 hours a week, with frequent expensive car service rides home. Unfortunately is was common that a number of projects were often left to the last minute, and then required very long hours with absolutely no financial control. And badly overworked employees, of course,?make lots more mistakes and tend in the long run to be far less productive.
Then there's bad employment practices -?imagine that an IT area no longer needs 10 programmers and decides to lay them off. Also imagine that across the hall another IT area needs - hmm - 10 programmers with about the same skills. Citi had a bad habit; it got rid of the first 10,?typically providing severance pay, hiring 10 new people who had to be trained and learn their way around the?company,?and paying large recruitment fees for?them to boot. The waste must have been massive.
Now to bad managerial practices. During my time there, Citi?was very big on top down management -?bosses who had no clue what was really going on gave absurd orders to the people below. Often it was a total waste of time and money.
There was also little cooperation between businesses. In fact, some areas felt they were in competition with other parts of the firm. Often there was?so little faith in central support or purchasing areas that?business units?created their own separate groups to do the same functions -?typically without taking advantage of global contracts.
I don't know how much of this is still going on, but my guess probably a lot of it - and it's no doubt the same?with many of these big firms which came together from mergers and acquisitions over the years,?and where management teams are never there long enough to make their mark on the organisation'.
When you?re feeling miserable, it?s the most natural thing in the world to want to wallow in your misery. Angry people do it by obsessing about what others have done to them. Sad people do it by summoning up their disappointments. Worried people do it by anguishing about the ?what ifs? of life. Frustrated people do it by giving up their goals as soon as the going gets tough.
Though there is something to be said for feeling miserable from time to time (how else would you appreciate feeling great?), many people hold on to negative emotions for way too long.
They don?t just feel their emotions, they embrace them, defend them, indulge them ? until these feelings morph into an identity.
The upshot? They no longer just feel angry, sad, worried or frustrated. They become people with a chip on their shoulder, despair in their heart, fear in their soul, and failure on their mind.
Don?t let this happen to you. Let go of your negative emotions by doing what doesn?t come naturally. That is, act contrary to the way you?re feeling.
When you?re feeling ticked off with someone, it?s easy to keep recalling all the affronts that you endured. Of course, you feel angry. But don?t stay angry. Instead, do something for yourself that you truly enjoy. (Remember the adage ?living well is the best revenge.?)
When you?re down in the dumps, it?s easy to just hang around, feeling sorry for yourself. Instead, push yourself to do something that will lift your mood. Surround yourself with music. Dare to dance. Watch a funny movie. Walk on the beach. Contact an upbeat friend. Visit an engaging website.
When you?re anxious about the future, it?s easy to wallow in your worries about life?s insecurities. Do the opposite. Face what needs to be faced, do what needs to be done and get on with living your life. For creative ideas on how to do this, delve into my book, Master Your Fears: How to Triumph Over Your Worries and Get On With Your Life.
When you feel frustrated with the laborious work you need to do to reach your goals, it?s easy just to give up. Why keep struggling? Instead of giving in to frustration, take a short break. Remind yourself why you want to achieve this goal. Then begin again with a fresh approach. Persevere. Be smarter this time. Make a new mistake.
Edison claimed that it took him more than 1,000 tries to invent the light bulb. His attitude? He hadn?t failed. He had simply found 1,000 ways not to create a light bulb.
It undoubtedly will feel counterintuitive to act contrary to the way you feel. Yet that?s exactly what you need to do to expel the negative emotions that so easily drain your energy, your time and your life.
Linda Sapadin, Ph.D. is a psychologist who takes joy in helping people enhance their well-being, enrich their relationships and overcome self-defeating patterns of behavior. She?s the author of five self-help books, including the recently released ?HOW TO BEAT PROCRASTINATION IN THE DIGITAL AGE.? Her books have been published overseas in Japan, Korea, Australia and France. Dr. Sapadin is known for the richness and originality of her ideas. She has extensive TV, radio and print media experience, including appearances on the Today Show, Good Morning America, and NPR. She has been featured in the New York Times and has been an invited speaker to the Smithsonian Institution.
Like this author? Catch up on other posts by Linda Sapadin, Ph.D (or subscribe to their feed).
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????Last reviewed: By John M. Grohol, Psy.D. on 31 Oct 2012 ????Published on PsychCentral.com. All rights reserved.
APA Reference Sapadin, L. (2012). Doing What Doesn?t Come Naturally. Psych Central. Retrieved on November 1, 2012, from http://psychcentral.com/blog/archives/2012/10/31/doing-what-doesnt-come-naturally/
Two London region theatre festivals have announced their 2013 seasons, which include a healthy mix of comedy and musicals.
Port Stanley Theatre Festival is bringing back the hit musical review, Back In ?59, directed by Thom Currie and choreographer by Stephanie Graham to open the season May 28.
Henry and Alice: Into the Wild, the sequel to Sexy Laundry by Michele Riml which opens June 12, follows Henry and Alice on a camping trip where they ?discover the delights of camping, army rations, motorcycles and skinny dipping.?
On July 10, the festival will host the world premiere of a new Canadian musical, Not In My Backyard, with book and lyrics by Rachael and Brett McCaig and music by Anthony Bastianon, The show is described as ?political satire, love among the vegetables and some hard lines drawn in the dirt.?
Artistic director Simon Joynes? comedy Mini Putt opens July 31. The play tells the story of Frank ?a man with a vision ? and a lot of fixing up to do.? In a last-ditch effort at success, the ?down and out bachelor buys a derelict mini putt and tries to give it new life, while looking for love, redemption and power tools in all the wrong places.?
Of course, what would a Port Stanley season be without a Norm Foster comedy and 2013 will be no different as Foster?s classic Drinking Alone closes off the season. The show is about ?Trivial Pursuit gone bad, a role-playing first-time escort, a hard-drinking news anchor and way too much family history.?
For more information about the Port Stanley Festival Theatre?s 2013 season contact the box office (winter hours Tuesday to Thursday 10 a.m. ? 4 p.m. at 519-782-4353, or online at www.portstanleytheatre.ca.
Meanwhile, in Petrolia, the Victoria Playhouse has another grand season planned, including television?s Brady Bunch mom Florence Henderson?s acclaimed show, All the Lives of Me ? A Musical Journey.
Henderson?s show will close the season with an Oct. 8 opening with songs from her starring roles in classic Broadway musicals, as well as personal anecdotes of a life on Broadway and the Brady set.
But there is a beginning to the season, which opens May 15 with director David Rogers? Fiddler on the Loose, starring Jesse Grandmont, Diane Chase, Stephanie Cadman and Janelle Murray. With musical arrangements by Mark Payne, the talented Grandmont explores country, Celtic and classical arrangements with a string of divas in singing and dancing.
Comedy follows on June 12 with Jonathan Ellul and Mark Weatherley starring in the Neil Simon classic, The Odd Couple, directed by Linda Kash.
The small-theatre classic musical, The FANTASTICKS, opens July 10 with David Rogers starring as the narrator, El Gallo, taking the audience on an unusual romantic, but funny, journey under the moonlight in a show that features the hit song, Try to Remember. The shows also stars London?s Rebecca McCauley (who starred as Eliza Doolittle in The Grand Theatre?s High School Project, My Fair Lady in September) along with Jonathan Gybers with book and lyrics by Tom Jones and music by Harvey Schmidt.
Ken Ludwig?s hilarious Fox on the Fairway opens Aug 7, starring Jonathan Ellul, Ashley Magwood and Michael Hogeveen and directed by David Rogers. It?s a farce about ?love, life and man?s eternal love affair with gold.? It includes the expected mistaken identities, slamming doors, and ?over-the-top romantic shenanigans.?
Music and classic moments are celebrated in Hollywood Sings, which opens Sept. 4, starring Susan Gilmour, June Crowley, Rebecca Poff, Stephen Patterson and Brian Belleth. This show celebrates the golden age of the movie musical with ?style, class, humour and in glorious gala fashion. Classic tunes include Moon River, As Time Goes By, Singing in the Rain and My Heart Will Go On.
For more information about the Victoria Playhouse season and tickets, including packages and subscriptions, call the box office at 519-882-1221 or visit online at www.thevpp.ca.
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When you?re feeling miserable, it?s the most natural thing in the world to want to wallow in your misery. Angry people do it by obsessing about what others have done to them. Sad people do it by summoning up their disappointments. Worried people do it by anguishing about the ?what ifs? of life. Frustrated people do it by giving up their goals as soon as the going gets tough.