Archive for December, 2013

Today, the last day of 2013, my twitter timeline has been flooded with so many tweets mentioning how people are planning to have a wonderful 2014 (Yes! I am tweeting while cooking). Indeed, these twitter posts are very inspiring and until someone decides to act on it positively, those beautiful words of resolutions will only remain buried in the history pages of twitter wonderland.

So I put aside my ladle for a while as I wait for the beef broth to cool, leaving the kitchen, hooping on the stool and getting busy in my keyboard. I would like to share with you some simple ways how to make your 2014 incredibly wonderful.

Get a Positive Mindset

I don’t care whatever you want to do and how much money you have in the bank, as long as you don’t maintain a positive mindset, you will never get far. That is because a negative mindset will extinguish your passion. We know passion is what will drive you to do hardwork, inspire your creativity and ump your entrepreneurial spirit. A negative mindset is simply defined as “joy stealers”. You don’t want anything that will steal away your joy.

And do you know what’s the best way to get a positive mindset?

It is by cutting your associations with negative people. If the people who surround you with are infected with a negative mindset, know that they are contagious. It is not smart to mingle with spiritually constipated and emotionally retarded people. Oprah Winfrey even said, “Surround yourself only with people who are going to take you higher.”

Always Act Proactively and Positively

If there is an opportunity that is knocking on your door, invite it to come over. You have to seriously take this because every opportunity you decline becomes an opportunity for others. You can seldom see an opportunity coming back for you. It does not mean though that you grab every opportunity, but that you have to select the ones that will fund your physical, mental, emotional and spiritual life positively. Balance is still the key.

Always act positively. Of course we sometimes see tirades and gossips launched against up. But I challenge you to keep your cool because every feisty, bitter and angry word thrown at you are magnified by the one saying it. In other words, as they begin to say it open to the universe, they invite more for themselves. That is why you could never find a gossiping person happy; it is simply because their evil words eat their soul.

Make Peace with Your Past

We all made bad choices in the past, welcomed unhealthy associations with others and even made enemies with our friends. But let the pain of the past be left in the past. I am not saying this is easy, it is even maddeningly difficult. But the forgiveness you give is not really for them, it is a favor you give yourself. Marianne Williamson, author of “Everyday Grace” said, “As you forgive others, you begin to forgive yourself. As you stop focusing on their mistakes, you will stop punishing yourself for your own. Your ability to release what you think of as the sins of others will free you to release yourself, putting down the weapon with which you punish yourself so savagely. Forgiveness releases the past to divine correction and the future to new possibilities. Whatever it was that happened to you, it is over. It happened in the past; in the present, it does not exist unless you bring it with you. Nothing anyone has ever done to you has permanent effects, unless you hold on to it permanently.

Forgiveness is not easy. At times it is more painful than the word we suffered, to forgive the one that inflicted it. And yet there is no peace without forgiveness. Never.

Be Happy

Happiness is a decision. It is not a feeling. In fact, you cannot trust your feeling because it doesn’t tell you the truth. So if you decide each day to be happy before you even have your foot land on the floor every morning, your day will be a much brighter day.

Let no one and nothing stop you from being happy. It is your life. It is your responsibility to make it a joyful as you dream it could be.

Check and Improve your Finances

Although I subscribe to the idea that money does not bring happiness, I also know enough that the lack of it brings sadness. Money is a great tool to bless others and improve your quality of life. If anyone says that money is the root of all evil, then I’d say that person has been deceived. If you know how to use money, you can make a positive and astounding impact to the world. That is how the economy of the world works.

Get a piece of paper and know how much you are worth. You can do this by dividing the paper into two. The left side shall be your earnings (income) while the right shall be your liabilities. Deduct your earnings with your liabilities, and that is you monetary worth.

Free yourself from consumer debts. These are types of debts where you only spend for luxury and anything that does not give value to your pocket. Learn the world of investing and get some entrepreneurial activities. Get a mentor.

When you have more, you can give more. When you can give more, you create a happy and satisfied environment for yourself and your family. So improve your finances. Period.

Set New Goals

New goals that you instill to yourself are the ones that will inspire you work. To do something valuable. Goals may be great or small. Your goal may simply be as freeing yourself with debts or earning 100K of passive income in the stock market by the end of the year. The choice is yours.

But this 2014 make it different. Set some big bold new goals. Sky is the limit. Show to yourself what you can greatly do. If you claim to be a child of God, you can do all things that you set your mind into.

Let your goals move mountain. Set yourself up. And make a very big comeback.

Thank you for reading. I hope this inspired you to make a wonderful 2014. You can do it. Believe it and declare that you will have a wonderful year.

May your dreams come true. God Bless you.

Photo Courtesy: Marvin Germo

Photo Courtesy: Marvin Germo

With the help of a friend, I was so blessed to get a scholarship and study Introductions and Basics of Finance in University of Michigan’s Online Course program. We are about 400K students all around the world who shares the mentorship of Gautam Kaul. It was during his classes where I understood that I made some fatal mistakes in my financial life. And because I got so much value from this experience, I want to share some financial wisdom with those in their 20’s like me. I shall dedicate a blog page soon for investing and personal finance stuff in this blog in the first quarter of 2014.

You have to realize that ignorance is expensive. I don’t care how much you are earning in your 20’s because if you have no idea how to handle it, chances are, you may not keep it to your 30’s, 40’s or 50’s.

Before going further, let me share with you my personal finance pie. This is where I allocate my income for financial prudence and financial freedom in the future. Keep in mind that income in taxation means, “anything that comes in”, so this does not refer to your salary alone. If you have some entrepreneurial ventures while earning a salary, consider it as one. You can choose to practice this or not, in any case, I am sharing it with you.

 

Tithes 10%                      

In Malachi 3:10  God said, “Bring ye all the tithes into the storehouse, that there may be meat in mine house, and prove me now herewith, saith the LORD of hosts, if I will not open you the windows of heaven, and pour you out a blessing, that [there shall] not [be room] enough [to receive it].” This means that we shall return to God 10% of our income and He even left a challenge that if we do what He asks, He will return what we have given a hundredfold. You know why? Because you can never out give the generosity of the Lord.

Savings and Investments 30%    

After knowing your income for the month, set aside the money either for savings or investments immediately. Sometimes, when we have money, our interest is easily lured into buying stuff that we don’t need. A savings fund can also be used as emergency fund or funds you can use for new capital ventures. What you can do is either you go to your bank and deposit that money or auto-debit your account to transfer funds directly to your investment portfolio. You can ask you bank more of this.

Learning Fund 10%        

Learning fund is an income you set aside to enrich your knowledge about certain areas where you feel you are weak. In my case, I sought seminars and conferences that talks about personal finance. Most of the time, these seminars are not available in my city. So preparing an amount for it is indeed essential. I also join even business networking presentation even if I don’t have any interest to seek membership. You know why? Because I always feel good to be surrounded with positive people with great hopes and financial dreams. Their energy excites me.

Splurge 50%          

I say splurge although some financial pundits may wince to this word. I make it a point to not only reward myself but also to pay myself. I don’t withhold the good stuff that I want to experience. I am working to experience the good of life and share what I could and not to horde things inexorably. Anyways, I’ve set aside savings already.

But I don’t think this income pie is for everyone. If you are married with obligations, certain types of liabilities like debts, monthly car or house and lot amortization, kids in college –  then you need to do some revisions that will make you live just within your means.

Never spend the money that you have not earned. That is like giving your wallet a cancer.

Many 20 something today earn a big amount of cash but with empty bank accounts. No savings. Continuously spending and at the time where there’s nothing left to be spent, resort to borrowing. I also did this mistake, and I am grateful to have learned early.

To be continued…

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I have BIG news for you.

You have POWER.

A lot of people deny their power by playing small. Thinking that by doing it, they can make themselves noble by enshrouding themselves with supposed humility and submission. But I say this is false humility. This is the way to living a mediocre life.

A mediocre life is not a life of contentment. A mediocre life is a life of unfulfilled potential. A mediocre life is a life of endless “what ifs” and qualms. It is a life lived in the darkest cave of regrets. And no amounts of remorse can take you back in time to reclaim the power you have given up long ago.

Your power has never left you. It only lies quiescent because when you refuse to use it, that same power atrophies.

If you’re just going through the motions, you’re stealing life from yourself. Instead, put passion in what you do.

It does not serve you or the world for you to behave as if you are powerless. It is an insult to your Creator, in whose likeness you were created. 

You have the power to speak to the eye of distress and turn it into eustress.

You have the power to turn the rudder of your ambition to your intended divine purpose.

You have the power to command yourself to take responsibility of every circumstance that has transpired.

You have the power to direct your will away from procrastination to your desire to take active action.

You have the power to shut-off the ugly whispers of defeat and tell to yourself that this is not the way you choose things to end.

You have the power to your mind, to silence every negative thought.

You have the power to cut your subscriptions from the bitter words of negative ugly people.

You have the power to transform the face of failures into a beauty of massive successes.

You can do it. You can win it. You can be a champion.

You are talented. You are beautifully and wonderfully made. You are a light of endless potential.

Get your powers back and gather it to yourself. You need it to achieve your goal.

Dream greatly. Live daringly. Speak kind words and inspire the hearts of others.

And in everything that you do, always recognize your POWER.

We all go through a kind of suffering that will bend our knees. And if you haven’t gone through it yet, I want to assure you that it will unquestionably come. No one is exempted. Everyone can be a victim.

Some pains are so deep that the one reeling it will just choose to sleep to paralyze his senses at the thought of it.

But you don’t need to be a victim of your circumstances. I don’t care who hurt you; what misfortune has befallen you; how heartbroken you are. You have the power to break free from the shackles that have limited you.

You can never fly unless you open your wings and spread it wide. And the only way to do it is to release the excess baggage that you painstakingly carry on your back.

How do you think your life will become if you let go of your egoistic need to corroborate your victim mentality? You keep on telling others your story of defeat, selling them like hotcakes when nobody really cares.

How do you think your joy will have grown if you release your need to validate your adversarial condition? You try to beat others down so you can see them share your suffering. That is downright lame.

Your complaints, your drama, your victim mentality, your whining, your blaming, and all of your excuses have NEVER gotten you even a single step closer to your goals or dreams. Let go of your nonsense. Let go of the delusion that you DESERVE better and go EARN it! Today is a new day!

If you are not the hero of your own story then you are declaring a self-defeating prophecy.

I am not saying you should lift yourself at the cost of your pride and ego. But I ask you to tell a story about how you plan to win over every challenge that life throws at you. If you cannot entrust that story to anyone, at least begin telling it to yourself. For the power and the courage to do that is all within you – lying dormant unless you summon it into being.

A victim mentality will have you forget to see the blessings of the day. You do not only make yourself a poison to your spirit but a menacing prison cell of fear to your future.

You are not the sole person to have walked the destructive path of the valley of defeat. Many have gone there as well. And the choice to leave there or stay there will be your most important decision. Quit romanticizing with your problems, poverty, shame and loss. Move on to the yellow-brick road of self-actualization and personal empowerment. Learn from those very pain and mistakes. Keep walking. Keep walking. Keep walking. Please keep walking.

Realize the truth that you are not a victim of your own story. You are the author and creator of the best story that which yourself. A story where others can draw inspiration from. A beautiful story of your finest transformation to the best version of you.