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Based on this analysis of the relevance of appraisal for effective coping, Sanchez-Craig et al (1987) suggest performing a functional analysis of the client s beliefs, expectations and attributions regarding drinking and their relationship to the emotions and behavioral intentions the client experiences Given this information on the appraisal process, clients are taught new, more adaptive ways to appraise situations and are encouraged to reconsider attributions made about their appraisal of past negative events The reappraisal process follows the basic formula of all cognitive-behavioral interventions That is, clients rst become aware of their thoughts and related behaviors by learning to identify situations in which they are likely to drink excessively Additionally, they are taught how their primary and secondary appraisals in uence this process Then clients are taught to generate new, more effective cognitive strategies and to rehearse these strategies in both treatment and real life until mastery is achieved.

They are required for only a short time In practice, long-term sources often cover short-term uses, which is less ef cient but more secure In an uncertain world this security is worth having, even if it means paying a little more for it The worst possible case, however, is using short-term sources to pay for long-term uses, eg using an overdraft to pay for machinery or vehicles Overdraft nance can be more expensive than long-term loans if used in this way; and most importantly, because a bank can withdraw an overdraft without notice, it is a very insecure method of nancing business development or assets with long-term horizons The notion of adequate capital (see Box 8.

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This approach to reappraisal is consistent with both rational-emotive behavioral therapy (Ellis et al, 1988) and with the use of overt verbal instructions to modify the self-statements of clients used in Meichenbaum s (1977) stress inoculation training approach to control impulsivity and schizophrenic behavior..

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5) describes the strategy of raising suf cient long-term funds (share capital, retained pro ts, long-term borrowings) to cover long-term needs ( xed assets, long-term cash out ows) and short-term funds (overdraft and supplier credit) to cover short-term needs (debtors, stock, short-term cash out ows) In particular, growing businesses should guard against the common problem of inadequate nance caused by: 1 2 3 Over-optimistic forecasts of sales and gross margins, especially when entering new markets Under-estimates of costs associated with marketing and product development Inadequate nancial controls, particularly on working capital (credit control, purchasing control, stock control)..

138 The Optimism Advantage what I think of what I do! That is character! And that kind of character takes an optimist willing to major in self-support. When you cultivate a strong belief in your own capabilities, you will think, feel, and behave differently from those who are overly critical of their own potential. People who have persistent self-doubts shy away from dif cult tasks; they tend to have low aspirations and a wavering commitment to even the goals they ve chosen to pursue. As an optimist who has earned con dence, you will have the drive to seek and achieve challenging goals both on and off the job. You ll have earned the resilience needed to overcome the obstacles you encounter on the way to success. Be the person you were meant to be, and manage your own motivation to make that possi Many people feel paralyzed by ble. Remember, nothing is more their lack of control over life. af rming and effective in gaining What can you do about it For a realistic self-con dence than a one thing, focus on all the healthy dose of accurate selfthings you do control. In doing recognition. so, you take control over your So, what s working for you life and begin to lead your life, In fact, what did you do this rather than letting life lead week that s worth celebrating you. with others Now, document Mark Sanborn what you did and go celebrate! Remember always that you have not only the right to be an individual, you have an obligation to be one. You cannot make any useful contribution in life unless you do this. Eleanor Roosevelt

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