Imagine if our entire life could be plugged into a Global Positioning System (GPS). How great that would be! Traveling through life’s unfamiliar territory with the feeling of never being lost. Knowing where you are at all times and knowing how long it will take you to get to your destination. With just the click of a button a person could receive direction and information that would help them travel through life. GPS would also benefit in helping to avoid setbacks, congested traffic and roadblocks, regrettably life is not on GPS. Therefore we must learn to endure the roads that we travel, including the setbacks and roadblocks that come along with them, creating solutions to help us avoid them in the future.
In the world full of orange-barreled detours that can cause roadblocks and setbacks it is good to know that there is an alternative, simply by taking another road, with fewer obstructions that will eventually get you to the same place. Unfortunately no matter what road you chose you still have to deal with those pesky potholes? These cumbersome holes can cause all kinds of trouble. If you have ever run over a pothole then you know exactly what I am talking about. If you have no clue as to what a pothole is, just imagine an inverted speed bump. Hopefully that helps.
The idea here is to understand that obstacles are always present. When everything is going well and the world around you is at its all-time high potholes are still in the road. Hitting one of these potholes at times can create a major setback. These setbacks can cause you to stop, regroup and proceed with caution.
There are many things in life that could be considered a pothole but in all actuality a pothole is just another obstacle. If a person looks hard enough they will find potholes just about everywhere relationships, careers, family or church. The list can go on and on but the overall secret is to try to avoid potholes at all cost. When you have found yourself in an unavoidable situation, stay positive, stay focused and remember that a pothole is just a bump in the road. Life’s setbacks are like potholes; you roll over them, get mad, move on and try to avoid the next one. There may be a time when your pothole may seem more like a sinkhole but the solution is the same. Roadblocks and obstacle will indeed create hindrances but they should never stop you from reaching your goal.
“The longer I live the more beautiful life becomes.” Frank Lloyd Wright
As I have gotten older I have learned to value and appreciate things a lot more. When I was younger I never consider the fact that I may one day become a dad or that I may one day become a grandfather. However I made a conscious decision to stay dedicated to the cause of my progression. This dedication is allowing me to see the success of my efforts.
In the real world I often find that people are not willing to stay dedicated to what matters most. For some it could be a marriage, for others it could be simply finishing school or following through on a career goal. The problem is that in today’s society people carry a “have it you way and have it right now” attitude.
It should be understood that there might come a time when one has to throw in the towel because things just don’t work out. However, The key to success is to stay that course and to follow the plan or the process. Everything in life takes time. Even God Himself took six days to create the earth. You may be thinking why six days when He could have done it in one? Because God had a plan of action, He had a process that He wanted to follow. He wanted to make sure everything was in order, which is important to maintain stability.
Counting the cost is important, that is why you have to have a plan. That plan has to be executed and followed. Once a person establishes a plan and starts to build momentum, it should be at that time when they start to evaluate their efforts. Giving up is easy that is why most people chose to go this route but for the one who has staying power, they are assured a place in successful history. Never give up, never quit, stay dedicated and watch your dreams become a reality.
You will never know what you are capable of until you at least give all you’ve got.
The Entrepreneur vs. The Businessman believe it or not there is an extreme difference in the two.
If you talk to any successful entrepreneur they will explain to you that they are extremely passionate about what they do. They love what they do and they are willing to see it through no matter the cost. The first rule of thumb for any entrepreneur is that you must first have a passion for what it is you are doing. According to the entrepreneur, the idea of embarking on an entrepreneurial venture strictly for financial gain is considered to be the fast road to immediate failure.
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Most of us are familiar with the ground breaking book by Robert Kiyosaki entitled “Rich Dad Poor Dad.” In his book he gave a parallel description concerning two fathers one who lived off profits (Rich Dad) and the other who lived on wages (Poor Dad). I was thinking about this book the other day and came up with a scenario of my own. I put a twist on this story as it relates to the deception of debt.
Day after day children all over the world are being deceived. They make the assumption that their parents are rich and can provide them with whatever their hearts desire. This type of deception has given the child a false sense of financial stability. While in reality the parent is bound in a multitude debt.
Even though you may want the best for your family, are you giving them the very best that you have to offer? One should never let the wealth of the world dictate how they should live. We all have a certain lifestyle that we should live in, utilizing our current income not our credit. Living with a tremendous amount of debt just to show off, is just not smart.
Therefore you have to ask yourself these questions,
1. Is the vehicle you drive the one you can afford, or the one that satisfies your taste?
2. Do you live in the house of your dreams, or the one within your means?
3. Do you need that big screen television and the latest video components?
4. Do you really need all those shoes or that expensive piece of jewelry?
5. Are you comfortable in your current financial situation?
6. Are you been able to take a vacation or spend quality time with your family?
7. Can you leave your children an inheritance according to Proverbs 13:22?
Remember that your children will love you no matter what all they need is you unconditional love.
Donald Payne
Would it help if I told you that there was a time in my life that I faced disappointment? Would it help if I told you that there have been times that I stayed up all night crying? Would it help if I told you that there was a period in my life that I wish I could forget?
No, it would not help. If I constantly shared my setbacks and discouragements with others, how could that possibly benefit them? Yes it is true that misery loves company but that should not be the company one chooses to keep. Listening to others complain about there problems is not beneficial to anyone’s growth.
Setbacks come and go like a common cold. While you are going through your trials and tribulations it seems like the pain will never end but after the suffering is over most people move on with their lives as if nothing ever happened. Know that everyday is a new day full of new opportunities and new outlooks. Also know that everyone has a purpose, everyone has a dream, therefore never let what you hear, read about or see detour you from reaching your goals.
There was indeed a time when I was discouraged but I learned to trust in the One who can make the difference. You should too.
Donald Payne
I have spent the last couple of years learning all I can about marketing and social media 2.0; during my learning endeavors I have met some very interesting and informative people, I have read some very interesting and informative books and I have listened to some very intriguing motivational speeches. My researched proved that there are a lot of great individuals out there that truly have something to say and who are willing to offer valuable content.
While conducting my research I noticed that there was one common thread embedded in the information that intrigued me the most. That one common thread came from a great man who had some great wisdom that he shared openly to millions of people all over the world. His name is Jim Rohn (1930-2009), a personal development teacher who was known to many for his wisdom, life philosophies and success principles.
Unfortunately just as soon as I had begun to learn more about Mr. Rohn, he passed away. I feel somewhat embarrassed to say that I had never heard of Jim Rohn until I started my research. Even though I was unaware of the man, I familiar with his teachings, In fact I have also quoted him myself on many occasions. However, I never knew who he was nor did I know about the impact he had on so many.
Jim Rohn has left a legacy along with some valuable words of wisdom that I am learning to appreciate even more and more. I apologize for not knowing more about Jim Rohn while he was alive but I am grateful to all those who have chosen to allow his words to carry on. Thank you Jim Rohn.
Donald Payne
When Benjamin Franklin said, “ A penny saved is a penny earned what did he really mean? If you have one penny a day and you double that each day. How much money will you have at the end of the month?
Answer: 10 million on day 30. (Sound crazy check the math)
I realize this may be an extreme stretch but the truth is in the math and the numbers don’t lie. So to put things in perspective, it should be noted that even the smallest amount of savings could add up to much more. Consistency is the key.
Calculate the first way, which would be at most $1,000.00 x 31 = $31,000 and so this is the best you could save, right?
Calculate the second technique starting with a single penny (one cent) = $0.01 and start doubling it daily. That’s not going to be very much, or is it?
Double $0.01 = $0.02 day one.
- 2 x $0.02 = $0.04 day two.
- 2 x $0.04 = $0.08 day three.
- 2 x $0.08 = $0.16 day four.
- 2 x $0.16 = $0.32 day five.
- 2 x $0.32 = $0.64 day six.
- 2 x $0.64 = $1.28 day seven (or $1.25 to make it easy).
- 2 x $1.25 = $2.50 day eight. Here you see it has been simplified a little by rounding down by a few pennies.
Double $2.50 = $5.00 day nine.
Check that on the 10th day it is 2 x $5 = $10.00.
See that and next it’s $20, and then $40, $80, $160, $320, $640, $1280; rounding 2 x $1250 = $2500; $5000.
- That’s only $5000 after 19 days.
Examine the fact that it is $10,000 after 20 days of doubling your money.
Double again and so on day 21 you have $20,000, next day that’s $40,000, then $80,000, and $160,000 on day 24.
Keep doubling and now on day 26 you have $640,000.00 — and day 27 $1,280,000, and let’s round down to $1,250,000.00…
Double $1,250,000.00 ==> $2.5 million on day 28.
Double $2,500,000.00 ==> $5 million on day 29.
Double $5,000,000.00 ==> 10 million on day 30.
Double $10,000,000.00 ==> 20 million on day 31.
Check the work over and over; yes, that is correct!
Find a way to double your money (Net Worth) every month or even every year and have a million dollars after 27 months or 27 years!
See whether it would make much difference if you started with $1,000.00 on day one and doubled that (instead of one penny).
Source: http://www.wikihow.com/Amaze-Everyone-With-How-One-Penny-Could-Make-You-Rich
Donald Payne
If you are one of the millions of Americans with less than stellar credit and you carry a credit card balance, I have some great news for you. The credit party is over! Unlike most parties this is not one of celebration but more like one of liberation. This is a time when the reality of false living and living above ones means has come to a close. The new law put in place by the government has put lenders in a very peculiar situation and those who are servants to theses lenders will feel the fury of their survival.
By now I am sure you have heard about the low riding snake like practices that many lenders have implemented as a result of the new law. Many lenders have decided to dump long-time customers, while others have added fantasy fees that have never been in place before. The bottom line is that lenders are no longer in the business of taking risk. They are in the business of making money. For those who have high debt to income ratios you are not part of their wealth-building program. Believe me the lenders are not picking on you, in fact those with stellar credit are also feeling the pinch.
I have one suggestion to this problem and that is to get out of the credit game as soon as possible. Now more than ever are lenders willing to negotiate borrowers out of their profit-building portfolio. One would be very surprised what a few phone calls can achieve. With just a simple phone call you will find that many lenders are offering hardship programs debt consolidation, due date adjustments and counseling. These programs could potentially save borrowers thousands of dollars over the course of their loans.
Another solution, which may be one of the most overlooked solutions, could be sitting in your storage bin, basement or garage. Some call it junk but for the person who is serious about reducing their debt these discarded items are like buried treasures, that could be worth more than you can imagine. Selling these items and putting the money towards your debt load could save someone years of accumulated interest.
The information I have provided here is not new. In fact many of these concepts have been in place for years, however with the economy moving along at an all-time high, these concepts set dormant inside of the many wealth building books waiting to be unleashed. The time is now! Lenders are panicking; they realize that they must do something before more consumers default on their loans. In that regard I say take advantage of the lenders while they are running scared. The credit party may be over but now life can begin.
Donald Payne
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