Can You Handle the Truth?

Can You Handle the Truth? Most people are not enthusiastic about hearing the truth, especially when it challenges their self-imposed inadequacies. These people concoct fantasies in their mind to substantiate their defects.

Of course, the stories are not true, but it is a story they can believe which shifts the blame from themselves of under performing. Henry Ford once said, “The man that believes he can and the man who believes he can’t are both right.” Most people have had money problems and most people do not give up on life, they continue to march on until they can either find a solution or make up another story.

These concocted stories become the reasons or excuses for the lack of passion, which is in my opinion, sheer fear. There is no easier lie to believe then the one that places the blame on God. This propaganda is one of the most believable because it can easily disguise a person’s lack of self-confidence. If God gave you the ability for intellect, strength and a will, did He not also give you the ability to use it as you deem necessary?

In just three months, you can free up some of your cash that can go towards other bills, if you can believe. The basic element for debt reduction is “Start.” I have heard people say, “But I don’t know where to begin.” My answer is simple. How did you start getting into debt? You started collecting credit cards and systematically using them. Reverse the process, start collecting your bills and pay them systematically. Do not be afraid to examine how you got into your financial mess. Retrace your steps and you will end up where you started: debt free.


Change is inevitable

Change is inevitable. Change is durable. Everything is subjected to change. Change is a powerful agent because it has the ability to manipulate all forms of structures, including the human body. Where change is not forced and left to its own judgment, it reduces the quality of things to its lowest common denominator.

God gave man the ability to monitor change, to casually slow down its progress or to speed it up. For instance, aging and death are inevitable; but maintaining good health slows the aging process and possibly defers death for a time. In other words, good health, due to eating right and exercise, is the slowest possible rate of death. Imagine what happens to the human body when exercise is abandoned and eating right is discarded. The body deteriorates and the rate of death accelerates. Well, this is what happens to our finances.

Our money problems cannot be fixed left to its own. Anything left to its own weakness will eventually be devoured by the devastating power of change to reduce its quality to its lowest possible condition. Forcing change to increase the probability of something changing for the better takes a well thought-out and calculated effort on the part of the individual. Ignoring bills will not make them go away, but acknowledging them and attacking their onslaught of attack, will weaken its defenses. When bills are dealt with and paid, one payment at a time, despite the amount, it neutralizes their effects.

You have the ability and authority to impinge upon change in the direction you want it to go. Impose your will onto your negative financial situation. Making calls to your creditors and informing them of what you will do will cause them to negotiate with you because they want their money. Do not be intimidated about writing all your bills down on a sheet of paper. Moreover, do not avoid any of them despite how shocked you are with the amount you owe. Remember, its not how much you owe that matters; what matters is how much you own. When you owe, it creates a deficit. Paying off what you owe generates an asset.

Money Struggles

Most people struggle with money because they do not quite understand it. They somewhat have a sense of knowledge concerning its value, but this is not an indication that they know how to determine its true worth.

Most people only look at money as something they work to get and to spend. However, money is more than a spending device that is only meant for consumption. If you always look to spend the money you make every payday, you will never have any money for your future. Unfortunately, this is the plight of most Americans.

When a person views money as only spending power, they generally have no clue as to how much of it they are throwing away. The wealthy respect money and realize that money is better with serving than mastering. These people know the secrets about money that is hidden in its purpose.

When you do not know the purpose of money, you will abuse it. Therefore, debt and financial hardships will follow you throughout your lifetime. Learning how to make money work for you instead of you working for it, is first learning to master it.

Some people become incited with rage when they see how some people use their ingenuity to get more money. You can get more money if you know where you hide it. You do not need a raise in order to pay down your debt. You need the key of knowledge to unlock the money you already have.

Did you know that if you look at your phone bill every month, you can probably pull $50 dollars monthly by simply cutting back or canceling phone services you never use. You have had these fifty dollars all along.

Become a good steward and join the “Taking Charge of My Life in 2009 Campaign” by getting tips and tools that will help you discover where you are hiding money. Sign Up at the top of this blog.

Inauguration History

This time…

January 20, 2009, America will swear into office a new president. This time, this inauguration will be different from any other inauguration in the history of this country. It will represent not only the changing of the guard but the symbol of change for an American culture.
The previous presidents, bred from a Caucasian heritage, will be shattered by the most provocative change since the Emancipation Proclamation.

The liberty that came to black slaves was not won primarily by the votes of the representatives of the American people, but by the unswerving nature of a people who fought and defended the right to believe that all men are created equal.

President Abraham Lincoln issued the Emancipation Proclamation on January 1, 1863, as the nation approached its third year of a bloody civil war. America was involuntarily forced to change when an enslaved people were unleashed onto American soil to explore an innate potential to become anything they wanted to be. Black people were still held back from many of the privileges that were afforded to Caucasian Americans. This time, Blacks had the constitutional right to fight against a system that denied them of the American dream. This fight gave birth to a man who led a revolt without weapons—a man reverently called, Dr. Martin Luther King, Jr.

He fought with the intangibles such as intellect, wisdom, perseverance and courage. Never in the history of Black America was a fight predicated on a dream—the American Dream. He led Blacks and some Civil Rights supporting Caucasians into the most violent nonviolent protest in American history. African Americans marched their way into beatings, hangings, shootings; and for what! So that equality could be realized and dreams can come true. Dr. King’s dream of the American Dream has now blanketed the highest office in America. Barak Obama will be a dream come true for the many that died, bled, cried, prayed, and suffered for this once in a lifetime event.

America is great, but not on its own merits. Americans of all races have made this country what it is and what she is now experiencing. America did not vote for an African American president, the American people did. Now, the American people must return to its rich religious roots for why this country was founded, and pray!

Pray to the Almighty God to strengthen our new President who happens to be African American. Lord, help our president to hear your heart for our nation.

During the Civil War, a friend of Abraham Lincoln was a visitor at the White House and saw the President kneeling over an open Bible and he prayed:

Oh, Thou God that heard Solomon in the night when he prayed and cried for wisdom, hear me. . . . I cannot guide the affairs of this nation without Thy help. Hear me and save this nation.

When the leaders of our country assembled to write the Constitution, Benjamin Franklin proposed that each session be opened with prayer. Franklin said,

I have lived a long time, and the longer I live the more convincing proof I see of this truth–that God governs the affairs of men.


Getting Out of Debt? Hogwash!

Is it possible to get completely out of debt? Yes, it is. But, is it realistic? Considering the culture we live in today, it is virtually impossible to avoid having any debt unless a person has a generous income that is not tied to a business. Debt reduction is more realistic than getting completely out of debt; especially if you are between the ages of 18 and 65.

It is between these ages that 98 percent of the American public is preparing for a career, building a career, or preparing for retirement. Ninety-five percent of assets and liabilities are acquired between these ages. Unless you have a Trust Fund with millions waiting for you at age eighteen, you are most likely to fall into the temptation of getting into debt for college tuition, buying a car or home, etc.

Most people do not have the kind of savings account established where they can withdraw $150,000 for the purchase of a new house. Therefore, debt reduction should be considered a viable option. This does not mean that you should not aim for total eradication of your debt; it simply means that if you aim for the moon and you so happen to fall short, you will at least be among the stars.

I was once asked a question by a studious young man, “How long will it take to get out of debt?” My answer was in the form of a question. I asked,”How much debt do you have opposed to the amount of money you have left over once your normal monthly expenses are satisfied?” If your answer is that you have a deficit every month, getting out of debt is going to take some time. If your answer is that you carry a surplus of $500 or more, considering how much debt you are carrying, it is still going to take time. You build debt as if you build wealth, over time. However, time is one of your greatest assets when it comes to debt reduction.

Join me and the hundreds of others by signing up at the top left hand column of this post for the “Taking Control of My Life” Campaign, which will give you the kind of information to help you redirect your focus and kick your life into a higher gear.

Achieving Success in 2009

“I have learned that if one advances confidently in the direction of his dreams, and endeavors to live the life he has imagined, he will meet with a success unexpected in common hours.”

People often encounter obstacles, as they are moving towards their desires. Mistakenly, they allow these obstacles to become indicators that they should no longer pursue their dream. However, obstacles are a part of life’s challenges. If it were easy to achieve success, then we would have more people succeeding in this nation.

The truth of the matter is, achieving success is very cumbersome. From working to lose weight to laboring to achieve financial freedom, there will be opposition with every attempt. Overcoming the challenge in order to reach your goal is oftentimes more rewarding than the goal itself. In fact, the thrill of obtaining the prize is often short lived in comparison to the grueling and mental toughness needed to effectively reach one’s expectations.

Athletes were asked what did they miss the most about the sport that they played. Almost all of them said they missed getting physically and mentally prepared for the challenges and obstacles. Fighting to win in life is no different from fighting to win in sports. Both have hurdles that must be overcome or else the opposition will win every time. Pursuing your dream for 2009 is more important than what you may not have accomplished in 2008.

One year has been lived and another year has yet to be lived. Which year do you deem more valuable? Ask God for strength and get up and take control of 2009. Your best days are ahead.