The tips and strategies presented in this HUG Solution Report are not theory, but are the accumulated wealth of personal experience compiled by the principals of the Horizons Unlimited Group and their many successful associates.

One truth that any successful person in any field will concede is this: FAILURE IS MOST OFTEN THE FIRST STEP TO SUCCESS. If you have not seen "bad," not only will you not recognize "good," but you also will not poses the intense motivation generated by your dislike for "bad" compelling you to work to obtain "good." Congratulations are in order for any who have experienced many failures. They should be primed for success.

Over the course of several years, I have had the privilege to become close friends with several men and women who have overcome initial financial failure. These are individuals who would not allow even repetitive setbacks to dictate their final outcome. Instead, they found a way to use bitter disappointments to embolden their unwavering determination to succeed they refused to surrender their dreams.

One particular gentleman with whom I have become better acquainted in recent years experienced his worst financial catastrophe at the young age of twenty-one. Shortly after high school graduation, overflowing with ambition, he launched his own advertising agency. Almost any degree of success at such a young age is difficult to handle. Two short years later, he found himself thousands of dollars in debt, bills 90-120 days delinquent, out of work, an eviction notice on his door, no money for food...and this was after selling all of his personal assets during the previous months in a futile attempt to buy more time with his creditors.

A few days prior to this, he had spent his last two dollars to buy a sack of potatoes as the best, cheapest food product he could think of. For the biggest part of the week he had potatoes three and four times a day prepared every way you can imagine: baked, boiled, mashed, fried, even raw as a special snack. To this day, he can vividly remember, sitting on the bedroom floor of a now unfurnished apartment completely empty with the one exception of his clothes folded and neatly stacked against the wall. A few weeks earlier, he was sleeping in a king size waterbed. Now, he was sleeping on the floor.

With the calendar counting down to two days before his eviction would be enforced, he remembers a point in time when tears of frustration and despair turned into a strange and subtle laughter at the moment he realized this was as bad as it would get. "So, this is what it is like to hit bottom," he thought to himself. He had heard and read stories of others who had bottomed out in their life and had gone on to great accomplishments afterward. It wasn't until that moment that he realized it definitely didn't have to be the end that it appeared to be.

It was in that hour that he turned his attention from what he had lost to what he had retained. He still had his mental and physical health. He still had the largest portion of his life ahead of him. He now had more experience than at any other time in his life, and had just discovered that he even retained his sense of humor, as bizarre as it may have been. He knew then he had no where to go but up and could find plenty of motivation to do so.

You may wonder how I know so much about this young man. Well, the truth is I remember him so intimately because he was me, Ted Wooley, founder of the Horizons Unlimited Group. It was at that moment in my life, many years ago, that I resolved never, ever to be in that position again.

I share this experience for several reasons, not the least of which is to assure you that the insights offered in these pages were not learned from a book, but from the adventures of life. I also wish to remind you that you cannot know a person's past by looking at their present. For example, to look at me today, a person would not know that I had endured such an ordeal; and not just one experience, but several such episodes of hardship came and went before I learned the necessary lessons to begin achieving visible and sustained success. I have since learned that very few highly successful people have avoided learning these lessons in any but the most difficult ways.

It seems that human nature insists on learning things by trial and error, rather than by observing or learning from someone else.

The key point I wish to make is this: Just as you can not REVEAL a personīs past by looking at the present, neither can you FORTELL a personīs future by looking at the present.

You cannot know what adjustments a person has made or will make to alter their course in life. If I had not postured my attitude in the direction of "It's a new beginning" and "There's no way but up," there is no telling where I might be today. So many of the wonderful things that I now enjoy would have never entered my life.

I was at an ominous fork in the road. At that critical time, it was unthinkable for me to look five months down the road, much less five or ten years. I want to exhort you to take this attitude. Your failure is the first step to your success.

QUESTION: Remember the many horrible moments that are speckled in your memory? This one thing, I can promise: This, too, shall pass. This episode, like the dozens before it, will soon be confined to your memory.

I don't know your faith, but I have grown to know mine. My prayer is that as you read this important report you will be filled with faith for your present position and hope for your future potential. I wish you the very best.