Put Your Mind On Your Money

MB blog_textSome people excel with money and some don’t – Which One Are You? Are you embarrassed by your money skills? If you are sick and tired of doing money the old way—read this! If you need to increase your income, let’s start by discovering how much money you already have with your present income by discovering how not to make your debtors richer.

“I believe that the power to make money is a gift from God.”
~John D. Rockerfeller

Most people have it all wrong about money in America. Money is the one common thread that ties all the nations of the world together. Poverty is the perversion of prosperity, and the parody of financial freedom is debt. A dollar saved is a value, a dollar invested produces increase. What money comes in today will always reflect what went out yesterday.

The art of creating wealth works in the reverse of how one creates debt. The improper use of money creates debt. Debt is the result of what you cannot afford. Wealth is the result of the appropriate management of money. People have it all wrong, a person doesn’t have to possess a lot of money to create wealth—it is having the knowledge and using it, which causes your money to work to produce wealth for you.

Can You Handle the Truth? Most people aren’t enthusiastic about hearing the truth, especially when it challenges their self-imposed inadequacies. These people concoct fantasies in their mind to substantiate their defects. Now of course, the stories are not true, but they are stories they can believe, which shift the blame of underperforming from themselves to some other person or condition.

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 than the one that places the blame on God.

You must initially see that debt and financial struggles (poverty) go hand in hand. Please understand that my aim is not to humiliate or beat you down if you find yourself in this predicament, I simply want to give to you a simple plan to better equip yourself and your family to be financially secure. This doesn’t mean you’re going to become a millionaire over night, but you can be en route to fulfilling your dreams and having more money, even if it is not a million dollars in your bank account.

They say that money isn’t everything, and that’s true—but look at how many things it is. In our society, money is everything. For Americans, it is how we keep score. A man’s treatment of money is the most decisive test of his character—how he makes it and how he spends it. Money doesn’t change a person; it simply exposes him or her for who they already are. If money makes you feel better about yourself, then you neither understand yourself nor the reason for creating wealth.

The Bible says, “…For the love of money is the root of all evil.” This verse is often misquoted—it doesn’t say that money is evil. The personal secular methods that help a man acquire a fortune are the very ones that can keep him from enjoying it. Money itself is not evil, nor is it good. Both good and evil can be done with money. The old maxim is, “Money may not bring happiness…”, but I say, “Neither will poverty.”

When a man respects the potential of money and learns to control its influence, he becomes a wise man. Are you a good money manager? Yes you are! All most people need is a little motivation and a little help, and they are on their way to being a blessing to family, church, and to others.

In just three to six months, you can free up some of your cash which can go towards other bills if, you can believe it. The basic requirement needed for debt reduction is for you to “Start.” Learn and apply the spiritual principle of giving. 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 with plastic surgery by cutting up your credit cards, then collect and arrange 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.

Watch my video, FINANCIAL IMPACT: [youtube]https://www.youtube.com/watch?v=J9huApU7J7w[/youtube]

Recommended Reading:

I frequently say, “Readers are leaders and leaders are readers.” I strongly believe this statement; therefore, I have taken the time to recommend reading material that I believe will greatly benefit your life and business endeavors. Click the images to see more information or to order the books from Amazon.com.

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The materials are provided for your convenience and Dr. Brown will earn a small commission from Amazon when you purchase through the links provided above.

Come let’s talk some more about this, comment your thoughts below.

How To Rocket Your Life And Income

2-22-15-insideHow Fast Are You Willing to Recover from a Setback or Do You Just Sit Back? Resiliency is the ability to recover quickly from setbacks. In other words, in life you have to be like elasticity, which is the knack of matter to spring back quickly into shape after being bent, stretched, or deformed.

What do you do when your business is struggling, or your career appears to be on the verge of being railroaded by a young witty super salesperson, or when your life seems to be inundated with the yo-yo syndrome? How do you get your marriage off the rocks or make your marriage solid as rock when things are rocky?

When a situation occurs that can negatively affect your life or possibly cause it to turn out for the worse, there are three possible choices you can make in reaction to it. You can decide to panic, do nothing and adapt, or become innovative.

Considering the economic conditions we are facing in this country with unemployment in the double digits, increasing home foreclosure rates, diminishing property values, and skyrocketing healthcare prices, people are wondering how it is possible to save even a dollar; especially, with taxes increasing every time a politician sneezes. With the constant negative fluctuation of U.S. currency, upheaval amongst our political officials, the threat of nuclear warfare, and white-collar crime increasing, whom do we trust with our future earnings—whom do we trust with our lives?

Our military men and women are committing suicide at an alarming rate. Three quarters into the year 2010, the military experienced twice the number of suicides as the previous year. Americans are angry and fed up with our government sending government civilian personnel and troops over to defend and help build the economies of other nations, as they perform such a task under volatile conditions, while the U.S home front is collapsing under the weight of social programs, wasteful spending, excessive taxes, and a bureaucracy that apparently does not care about its own citizens.

Already, some people are surmising that the American ship is going down and have decided to check out of this life by committing suicide. Panic appears to be the choice of some people. However, when a person panics, all self-control is lost, and the ability to think clearly is cluttered with ‘what ifs’ that have nothing to do with what is. Let me suggest to you that this is not a time for panic, but sober contemplation. We cannot assume the phrase, “We will not go down without a fight.” We must only consider the phrase, “We will not go down!” With this attitude, fortitude is established and focused intensity is applied. Therefore, when politicians fail, pandemonium is served, and conditions are other than favorable, who do you trust?…Trust God!

There are people who do nothing in this country but complain and adapt to environments without any attempt to create change. “What can one man do” they exclaim, while conditions worsen around them. They are welded into the declining conditions as a permanent fixture, never to rise above it. There is still another choice that should be considered, and yes, it is the best choice of all.

It was Plato who said that necessity is the mother of invention, and believe me, innovation is the prevailing thought. There are a people who have displayed resilience under severe and sometimes unbearable circumstances, who have come out even more determined to live on. Jewish people, whom I have had the wonderful privilege of engaging and hearing their stories, have encouraged me in more ways than one could possibly imagine.

If Jewish people were forbidden in one direction, they would excel in another. When Jews were prohibited to deal in new clothes, they sold old clothes—that was the beginning of organized traffic in secondhand clothing. When they were not allowed to deal in merchandise, they dealt in waste—the Jewish people are the originators of the waste product business of the world. They were the originators of the salvage system and found wealth in the rubbish of civilization. America and the world have the history of the commercial descendants of those earlier Jews who turned adversity into success…not by becoming bitter, but better.

Beloved, despite the economic woes of this nation, if we the people can believe, decide not to panic, and begin to eradicate our personal debt by taking a strategic approach to doing so, we will succeed. Despite what the nation is experiencing…do not panic or adapt to the conditions of your surroundings. Become resilient and learn to work within the system until the system works for you.

Recommended Reading:

I frequently say, “Readers are leaders and leaders are readers.” I strongly believe this statement; therefore, I have taken the time to recommend reading material that I believe will greatly benefit your life and business endeavors. Click the images to see more information or to order the books from Amazon.com.

[amazon asin=1930388179&template=image&chan=dr. mikel brown] [amazon asin=0307888908&template=image&chan=dr. mikel brown] [amazon asin=1930388063&template=image&chan=dr. mikel brown] [amazon asin=0787996491&template=image&chan=dr. mikel brown]
The materials are provided for your convenience and Dr. Brown will earn a small commission from Amazon when you purchase through the links provided above.

Come let’s talk some more about this, comment your thoughts below.

The Great Potential Rate

It was a ‘Fool’ who said there is no more money to be made in the United States. Further investigation uncovered the ‘Fool’ is actually financially broke.

WARNING: Don’t listen to fools because they are the only ones that cannot see that they’re fools.

Continue reading “The Great Potential Rate”

Navigating Your Way to Wealth

Since we are living in such unpredictable and complicated times, it is vital that people have a sense about how to navigate their way to success. Learning to dictate the direction your life is going to take during uncertainty in our economy and instability in our government is vital in maintaining mental focus and structure. Control, with a sense of calmness is the key component to avoid panic and frustration that occur while battling the giants of discouragement and mental bankruptcy.

While many of Americans are seemingly drowning in an ocean of despondency, many people are looking for rafters to float on instead of swimming to the shores of safety. Since times are turbulent and unpredictable, it is time to make a conscious decision to predict the direction of the shaking to balance your thoughts and actions. In other words, like a surfer, you must balance and navigate yourself on the waves of financial turmoil and turn the ride into a profitable and exciting one.

You and I cannot do much about the financial mess our country has settled into. However, we can do something amazingly incredible, which can strengthen our resolve against possibly yielding to and being negatively affected by the fear that blankets this era. We can create opportunities to first develop a pattern for success and then teach others how to succeed with our proven method.

There is no greater story that can illustrate what I am writing about than the story of Harriet Tubman. She was a black female slave that lived during one of the darkest periods of American history. She was born in 1820 during a time when America was becoming increasingly divided on the issue of slavery. These were horrible times for slaves and hundreds of thousands of slaves were horribly mistreated and demeaned as human beings. Especially when slaves would be caught after trying to escape, their punishment was worst any domestic animal would ever be treated by a human being. Harriet Tubman watched her brother attempt his escape from slavery three times and all three times, he would be recaptured and brought back to the plantation. Even though her brother could never escape to freedom, it did not detour her from properly planning and navigating her own escape.

Harriet Tubman, self-emancipated slave fled from Maryland to freedom in Philadelphia in 1849 along the secret route to freedom known as the Underground Railroad in which she became the conductor. For the next 10 years after her successful escape, she made repeated secret trips back to Maryland and other slave states, leading over 300 escaped slaves, (including her brother who could never succeed on his own), north to freedom in Canada. Even though her husband, who was a free slave, had threatened to inform her master of her attempt to escape, she went triumphantly through the night believing she would succeed.

How could this uneducated black female slave accomplish such a task during a time there was a bounty on her head for more than forty thousand dollars which was a lot of money in those days? Was she completely oblivious to the dangers of her travel and the almost insurmountable obstacles that stood in her path? The answer is an emphatic no! Harriet Tubman knew of the repercussions if she were caught and completely aware of the dangers and possible spies deployed to catch her. However, she ignored them all and diligently fled to freedom.

Like Harriet Tubman, you too can navigate your way through the darkest of night, the rough terrain of high unemployment, and the uncertainty of our economy and yet succeed. Hard times does not keep you from success, it just creates greater challenges to success. In order to navigate through tough times emotionally, spiritually, and financially you must become tougher than the present time. Maintain your focus and sobriety and do not allow yourself to become drunk on the eve of reconstruction. You can navigate your way out of debt and into wealth. Stay in control of your actions and your actions will cause favorable circumstances that will not leave you barren or unproductive despite the times.

Avoiding the Debt Trap

People everywhere are talking about their expectations for 2011. In fact, much of it sounds like a broken record that keeps skipping on the same lyric. James Brown called it out in one of his sounds when he said, “…like a dull knife, just ain’t cutting. Just talking loud and saying nothing.” This may or may not mean anything to you. However, when people have been saying the same thing year after year without any improvement they are like a dull knife, just ain’t cutting. Just talking loud and saying nothing.

This year is going to be different than any other year before. You have to believe and become proactive in ensuring that the challenges of 2011 does not overcome you. Most people are chased by their 2010 problems into 2011. In fact, the challenges many of us may have avoided did not disappear, but stalked us and will reappear in this New Year. You may find yourself experiencing old stuff trying to come back into your life. Such as old toxic relationships that you personally never ended, it just faded off the scene, old debt that you assumed the company forgot about them, extra pounds that come in the form of cookies, ice cream, Mc Donald’s, etc. What are you going to do when your New Year’s resolution is challenged by old unfulfilled promises? Are you going to go into hiding or are you going to face them?

Do yourself a favor, this year, make no promises, no talk, just take action! Be proactive instead of reactive. Develop a plan. Whether that plan is to get out of debt or lose pounds and inches, make a plan and follow it to completion. Forget about convincing others; convince yourself. Your self-improvement is predicated on how you disapproved of your miserable failing of last year’s target. Take a different approach and attack your goals from a different angle. Good fighters are wise fighters who understand that you are not to always attack your opponent head on. The New Year is going to require more focus and tenacity to get better. You can do this! I know you can! Challenge your weaknesses, challenge yourself. Don’t settle for moving an inch when you are capable of moving a mile. Accomplishing a mile of progress may not come in one big leap. It may come in inches, but remember that a mile can be broken down into inches.

Say goodbye to debt. Say goodbye to pounds and inches. Say hello to success! Celebrate every small accomplishment you make. Do not undermine “small.” The Bible says, “…despise not the day of small beginning.”

I’m Deep in Debt, and I Can’t Swim

deep-debtOne day I went to a local drug store scanning the aisles for some shaving products and noticed a woman I had not seen in years. I said, “How are you doing?” “Not so well, I feel a little under the weather,” she replied. “Why don’t you take off work for the day,” I could see that she was not feeling well. Her eyes were puffy, as she spoke she sounded like she had a nasal clog, and her posture was as though she was extremely weak. “Go home and get some rest,” I said. Her reply was shocking, “I would, but I have to go to work because I have too many bills to pay.”

People who are forced into parsimony because of the loss of a job, divorce, death in the family or their debt is out of control usually experience the common financial stress syndrome. This debt syndrome can often lead to feelings of insecurity, anxiety, anger or even depression. It results in a hopelessness that perpetuates poor money management decisions that can lead to a vicious cycle of fear and panic. A person under such financial stress can be tempted to commit suicide, thinking that this will be the answer to ending it all. Instead, their families will have to face the debt they left behind, including the anxiety, grief, and unanswered questions of why. If you notice someone with symptoms like the ones previously mentioned, reach out to them with comfort and reassurance that you will be with them as they tackle their debt problem.

According to the United States Federal Reserve, 45 percent of households in America spend more each month than what they earn. Keep in mind that this figure is a conservative number and can most likely be higher. This cycle of having more ‘month’ at the end of your money has created a debt problem for many American families, who are often unable to keep their heads above water. Getting out of debt, or even managing it, is difficult. It requires financial discipline and patience. Nevertheless, whom do you turn to for help? Of course, there is credit card debt help, Christian debt help, mortgage help, families in financial crisis help, debt free government help, debt consolidation help, and the list goes on.

I do not believe that people have a shortage of information concerning debt; what people lack is a strong relentless desire to become disciplined, to not only get out of debt, but stay out of debt. Because after they have read all the booklets on how to get out of debt, hire a debt consolidation company to assist them in getting out of debt, the larger percentage of people will regress back into the same ruthless debt cycle.

A financial coach can help you first acknowledge your weaknesses and then point you in the direction of your strength. People should volunteer to be tutored on how to help themselves. Before a person usually experiences having a shortage of money to pay their bills, it is preceded by the lack of discipline to control their spending habits. I believe that every person should incorporate their own system of checks and balances. Make yourself accountable to someone else other than you. If you are not married, but you have children, let them in on the checks and balances system so that they can help you. They may not keep you from spending money ridiculously, but a word of reminder from them would help you consider the consequences.

Recommended Reading:

I frequently say, “Readers are leaders and leaders are readers.” I strongly believe this statement; therefore, I have taken the time to recommend reading material that I believe will greatly benefit your life and business endeavors. Click the images to see more information or to order the books from Amazon.com.

[amazon asin=1930388179&template=image&chan=dr. mikel brown] [amazon asin=0800721454&template=image&chan=dr. mikel brown] [amazon asin=0312377746&template=image&chan=dr. mikel brown] [amazon asin=1932450807&template=image&chan=dr. mikel brown]
The materials are provided for your convenience and Dr. Brown will earn a small commission from Amazon when you purchase through the links provided above.

Come let’s talk some more about this, comment your thoughts below.

The U.S. economy and your family

What should the American people be focusing on for the next five years? I know that five years may be inconceivable at this time, especially with the present economic condition in our nation. However, this is all the reason why people you should be looking ahead.

The national unemployment rate is approaching the double digits and it is slotted to hit these figures by June 2009. Some of the major cities are already in the double digits with their unemployment rate and people are starting to panic.

President Obama is pushing his proposed stimulus package through Congress that can potentially reach 920 billion dollars; which Congress does not seem to be biting on. What financial genius initially thought of the stimulus package? Whoever he is, he ought to be slapped for insulting the American public. This nation can do without quick fixes that only result in patch jobs, but it defers the real issue.

Our government bailouts have only bailed out the large banks and large conglomerates. America has become more vulnerable to the world’s economy and with our present housing market plummeting, we have moved from a crisis to a catastrophe. What has happened to this nation is that it has become dependent upon debt.

For anyone to preach living debt free can easily become a target for ridicule because Congress is pushing people to spend and create more debt. American families should push to lower their debt structure as much as possible and this will help our economy. It may not do anything immediate for the large companies that depended on supply without demand and hired new workers and built new factories based on projections, but it will help your family. The American public should start focusing on three things:

  1. Sincerely pray for the nation and your family.
  2. Prioritize your needs vs. your desires.
  3. Pray for the strength and wisdom to get out of debt and stay out.

Large companies will be forced to realistically budget, just as the small businesses have done for years. The majority of small businesses know how to operate on a shoestring budget and still meet salaries. God has not abandoned America, but America must not abandon God. The United States has on its currency the phrase stamped, ” In God we trust.” America must Trust in God and not in money.

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.

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Are You A Good Money Manager?

“I believe that the power to make money is a gift from God.”
— John D. Rockerfeller

Most people have it all wrong about wealth in America. Wealth is not the same as income. Wealth is what you accumulate, not what you spend. To bet on a horse is gambling, to bet that you can come up with three spades is entertainment, Money Manger to bet on cotton going up three points is business. You see the difference?

Money is the one common thread that ties all the nations of the world together. Poverty is the perversion of prosperity, and the parody of financial freedom is debt. The art of creating wealth works in reverse of how one creates debt. The lack of money creates debt. Debt is a product of what you cannot afford. Wealth is a product of the proper management of money. It’s not having a lot of money that initially creates wealth—it is knowing what to do with your money that creates wealth. You must initially see that debt and financial struggles (poverty) go hand in hand.

“Wealth…gives you freedom to make choices.”
— Oprah Winfrey

They say that money isn’t everything. That’s true—but look at how many things it is. In our society, money is everything. For Americans, it is how we keep score. A man’s treatment of money is the most decisive test of his character—how he makes it and how he spends it. Money doesn’t change a person; it exposes him or her for who they already are. If money makes you feel better about yourself, then you neither understand yourself nor the reason for your wealth. The Bible says, “For the love of money is the root of all evil.” But it doesn’t say that money is evil. The personal secular methods that helped a man acquire a fortune are the very ones that keep him from enjoying it. Money itself is not evil nor is it good. Both good and evil can be done with money. The old maxim is, “Money may not bring happiness…”, but I say, “neither does poverty.” When a man respects the potential of money and learns to control its influence, he becomes a wise man. Are you a good money manager?