I appreciate the fact that education has made me value the knowledge I have. There is some popular proverbs and quotes that all point to the fact that education is a necessity; such as "knowledge is power", "education is the key to success", "if you don't read, you will be RED", "there is power in the pen". Before I go further, I have some questions, such as what is education? Is it simply "to read and write" or "to have attended a school or passed through a schooling system"?
Great philosophers like Socrates who said "man know thyself", knew that you need to be educated. In various nations of the world, illiteracy has caved in deep into the fabric of the citizenry, even in developed nations. Currently in the UK, more British ladies attend universities than British men. What is the reason for this? Why do we see such a trend in a developed economy?
I will digress a bit, and state some facts about the education system in Nigeria, being able to attend a private university (Madonna University Okija) and three different federal universities (University of Calabar, Nnamdi Azikiwe University Awka, and University of Ibadan) and a Federal College of Education (FCE Okene), and comparing with the University system in the UK, with my experience attending a top 10 UK institution (Lancaster University).
Basically, Nigeria being the giant of Africa with a population of over 170 million, and over 100 universities uses a basic structure of 6-3-3-4, which was adopted partly from Britain. Nigeria is made up of federal universities, state universities and private universities. We also have polytechnics, and colleges of education, as part of the tertiary education system, but basically you need a Bachelor's Degree (B.Eng, B.Tech, B.Sc, B.Ed) or a HND (Higher National Diploma) or a Masters degree (M.A, MSc, MTech, MEng) before you can do a national service called NYSC (National Youth Service Corps) for 12 months.
To me, education is very important because it enables the society to be stable, well informed, and basically helps to train the youth in capacity building. These may not be so true in developing nations like Nigeria, where we have alot of infrastrustructural decadence and systemic failure. Thus, I will leave you now with the following thoughts and questions:
What is Education to you and I?
What is the need for Education?
Is it merely to learn how to count in numbers or "ALL" about the ability to read and write in English?
Have you noticed that one has to pass English and Maths with a Credit before gaining admission into the University irrespective of the course of study?
What happens to our indigenous languages - Igbo, Yoruba, Hausa, Ebira, Igala, Benin and Ibibio? Can't we make it an international language?
What is the Modern Philosophy of Education for Primary and Secondary schools, or better still, how has the objectives of the Modern Philosophy of Education been achieved?
Well, I will return to this issue later, but then what about the University education. What is the value of University education? Is it worth the time and money that goes into it?
What makes one an "illiterate" and the other an "educated" man?
Why do parents see only a few courses as the main ones called the top 4, and the rest as not great? Is it by virtue of of being a graduate of Law, Medicine and Surgery, or Engineering?
Why should a parent bad-mouth a student for having a carryover in a course or failing a course?
Why should a student commit suicide for failing a course or not graduating with a desired degree result?
Why will a graduate, a so-called "educated" man still depend on his family after graduation? Is University education really worth the time and money accorded to it?
What do you think is the idea of a university education? Even bribery and corruption in the name of "sorting"?
Why will the female students and ladies be coerced or 'forced' by lecturers to sleep with them for better grades?
What do you think about the education system in our country?
Though the system seemed to have failed but the fact remains that it's intended to better equip young men and women that will stand out in their respective fields. Unfortunately, educators are after their pockets, while most parents have failed in their responsibilities.
It is, however, disheartening, that students aren't even ready to learn, as they prefer "short cuts". It has been shown by research that students learn better when their native language is used in teaching and learning process. Since change is the watchword of the present administration, let's hope that education sector will be looked into for the needed change.
Some people choose not to blame our academic system. that the problem is you and I. Even if when we are done with our academics, how many of us still rattle very well in our indigenous languages amidst our peers. Most people cannot speak fluently in their first languages too or indigenous languages, if not English, as they mix it up, but is it worthwhile?
If we who have passed out from the educational system, and you can speak your indigenous language or present in your language, the young ones following will be encouraged to speak. Some others view it not in one passing through a university but concerned about the number of years attached to the courses.
For instance, a young man studying a course for six (6) years and on graduation will still be looking for job and might end up becoming a business man. whereas there is one (1) young business man since six (6) years ago in Ariaria International Market, Aba or Onitsha Main Market who is already established. It is a fact and yet very funny, but what can we say?
If you graduate and you do not have someone that will recommend you for a job, you are left at the mercy of various interviews and test centres for a recruitment, which also costs you some money and time for transportation and for application in some cases, with risks involved, such as the Nigeria Immigration Service Job Recruitment excercise some years back that led to fatalities.
Where are we heading? What is the way forward? The good news is, there is hope!
Thursday, March 31, 2016
Wednesday, March 30, 2016
Law of Attraction For Wealth
The steps to wealth are very simple, yet highly effective. If you want to earn more money, then you have to closely follow the method. This writeup is on How to Become Wealthy using the Law of Attraction. If you have watched the movie “The Secret”, you will have heard of a method called a self-written check. A self-written check is one in which you will write your own name on the ‘pay to’ line and with the amount of money you desire.Let's discuss the step-by-step method which will result in making more money or the amount of money that you desire.
Choose the amount of money you desire!
Just remember the equation that “thought + emotion = attraction.” Keep in mind the formula and write down the amount of money desired by you, on a check, and look at it every day. Make the amount on the check exciting, so that the law of attraction works hard for you. If your desire and excitement are strong enough, you will get the money faster and with more ease.
Write out your Check!
The second step is to write the check. Fill in a blank check with the amount of money you desire. Write your name and fill in the date when you want to receive the money. Make the whole situation as real as you can possibly make it.
Keep On Looking At The Check For As Long As Possible Until You Get The Money You Desire:
Keep the check clean and in a place where you can see it whenever you want to see it. Handle the check with care. I would advise you to keep the check in your work place so that you can look at it whenever you want to look at it.
Now make use of this simple method of self-written check and make the law of attraction work for you. You will make the sum of money that you desire.
If you want to make more money by using the law of attraction then you need to center your emotion, thought and visualization in that direction. Be specific with your requirements, as the law of attraction will work faster only when you know what you want in particular. For example, say you want to go on a vacation. Think that you are already there in the place where you want to be. Imagine that you are having fun with your family and friends.But remember that thinking about what you want is not enough. You have to FEEL the emotion that you will get when you have what you desire. Get into the feeling deep down and indulge yourself in your imagination. Feel the same way you would feel when you have the money. You have to imagine that your bank balance is showing the amount of money you desired. See that this thought comes to you regularly, consciously or unconsciously.
----Culled Out
Happiness Magnet
Happiness come from inside you. To be healthy, you should be happy. Never let anyone rob you of your happiness. Always smile because smiles keep the mind, body and soul happy.
Your life is in your hands. No matter where you are now, no matter what has happened in your life,you can begin to consciously choose your thoughts, and you can change your life.There is no such thing as a hopeless situation.Every single circumstance of your life can change!”
― Rhonda Byrne
Love Each other to the moon and back. And if you ever want a star from heaven, be sure that your partner will try to get it for you. He/ she will do everything and more, and that is a "Heart of Gold", though he /she may try to hide it.
“Instead of focusing on the world's problems, give your attention and energy to trust, love, abundance, education and peace. :-)”
― Rhonda Byrne
Hey you, reading this! YES… you! When was the last time you remembered how Awesome you are? Do you know that you are UNIQUE? There`s no one on this planet who has the same dreams, talents, abilities and passions that you have? So make a decision today that you are going to live a great life, full of great service, inspiration contribution because what you have the world needs!
Your life is in your hands. No matter where you are now, no matter what has happened in your life,you can begin to consciously choose your thoughts, and you can change your life.There is no such thing as a hopeless situation.Every single circumstance of your life can change!”
― Rhonda Byrne
Love Each other to the moon and back. And if you ever want a star from heaven, be sure that your partner will try to get it for you. He/ she will do everything and more, and that is a "Heart of Gold", though he /she may try to hide it.
“Instead of focusing on the world's problems, give your attention and energy to trust, love, abundance, education and peace. :-)”
― Rhonda Byrne
Hey you, reading this! YES… you! When was the last time you remembered how Awesome you are? Do you know that you are UNIQUE? There`s no one on this planet who has the same dreams, talents, abilities and passions that you have? So make a decision today that you are going to live a great life, full of great service, inspiration contribution because what you have the world needs!
My sister's Queen Code
Are you a lady and you have never seen yourself as a Princess or a Queen? Do you know who you are in life? Do you know your purpose in life?
I have a sister who has so much taste in life that she always went for the best smart phones, used the reigning ones and got the highest laptop available in the market. That is how a Queen behaves, by having the right mindset and working towards it.
She works hard, saves and has learnt to be a Queen, by not depending on a man to buy her what she wants. A Queen knows what befits her and as a Queen, you are destined for so much more, and as such don't let anyone steal your dream.
A Queen is always mindful of how she talks and what she says; she is wise at making decisions and an excellent planner. She also believes in family and loves children.
The Queen is a Lady Of Virtue; and King Solomon in PROVERBS 31:10-31 ESV put the Queen Code thus:
An excellent wife, who can find?
She is far more precious than jewels.
The heart of her husband trusts in her,
And he will have no lack of gain
She does him good, and not harm
All the days of her life
She seeks wool and flax,
And works with willing hands.
She is like the ships of the merchants,
She brings her food from afar.
She arises while it is yet night and provides food for her
Households and portions for her maidens.
She considers a field and buys it,
With the fruits of her hands she plants a vineyard
She dresses herself with strength
And makes her arms strong
She perceives her merchandise is profitable
Her lamp does not go out.
She puts her hand to the distaff
And her hands hold the spindle
She opens her hands to the poor
And reaches out her hands to the needy
She is not afraid of snow for her household,
For all her household are clothed in scarlet.
She makes bed coverings for herself,
Her clothing is fine linen and purple.
Her husband is known in the gates,
When he sits among the elders in of land.
She makes linen garments and sells them,
She delivers sashes to the merchant.
Strength and dignity are her clothing,
And she laughs at the time to come.
She opens her mouth in wisdom,
And the teachings of kindness is on her tongue.
She looks well to the ways of her household,
And does not eat the bread of idleness.
Her children rise and call her blessed,
her husband also, and praises her
"Many women have done excellently,
But u surpass them all.
Charm is deceitful and beauty is vain, but the
Woman who fears the Lord Is to be praised.
Give her of the fruit of her hands,
And let her works praise her in the gates.
I have a sister who has so much taste in life that she always went for the best smart phones, used the reigning ones and got the highest laptop available in the market. That is how a Queen behaves, by having the right mindset and working towards it.
She works hard, saves and has learnt to be a Queen, by not depending on a man to buy her what she wants. A Queen knows what befits her and as a Queen, you are destined for so much more, and as such don't let anyone steal your dream.
A Queen is always mindful of how she talks and what she says; she is wise at making decisions and an excellent planner. She also believes in family and loves children.
The Queen is a Lady Of Virtue; and King Solomon in PROVERBS 31:10-31 ESV put the Queen Code thus:
An excellent wife, who can find?
She is far more precious than jewels.
The heart of her husband trusts in her,
And he will have no lack of gain
She does him good, and not harm
All the days of her life
She seeks wool and flax,
And works with willing hands.
She is like the ships of the merchants,
She brings her food from afar.
She arises while it is yet night and provides food for her
Households and portions for her maidens.
She considers a field and buys it,
With the fruits of her hands she plants a vineyard
She dresses herself with strength
And makes her arms strong
She perceives her merchandise is profitable
Her lamp does not go out.
She puts her hand to the distaff
And her hands hold the spindle
She opens her hands to the poor
And reaches out her hands to the needy
She is not afraid of snow for her household,
For all her household are clothed in scarlet.
She makes bed coverings for herself,
Her clothing is fine linen and purple.
Her husband is known in the gates,
When he sits among the elders in of land.
She makes linen garments and sells them,
She delivers sashes to the merchant.
Strength and dignity are her clothing,
And she laughs at the time to come.
She opens her mouth in wisdom,
And the teachings of kindness is on her tongue.
She looks well to the ways of her household,
And does not eat the bread of idleness.
Her children rise and call her blessed,
her husband also, and praises her
"Many women have done excellently,
But u surpass them all.
Charm is deceitful and beauty is vain, but the
Woman who fears the Lord Is to be praised.
Give her of the fruit of her hands,
And let her works praise her in the gates.
The Millionaire's Brain
If you want to have a millionaire brain, you have to think like one, be like one, act like one and plan like one. If I ask you to try a simple exercise of writing out 10 things / habits you think a millionaire has, try it and also write on another paper 10 things an average person does.
This will help you upgrade your habit. My list will be different from yours as in mine, I notice that I may need lifestyle changes such as moving with the rich, eating well, dressing well but simple, increasing my taste in life.
You need to do this things, and all positive things to succeed and unlock the doors to your destiny. The relationship you have with your fellow men is also very important as it affects your success story.
Do something about your life. Change the way you think, break out of the box. Change the brain and you change the game, hit the button and start now. You will feel the change in your life and you will see how optimistic you are to be a millionaire.
But you did not think: if I can have a millionaire's brain, why not have a billionaire's brain? The way you use your brain matters and ensures how high you can survive. It is your survival mechanism that comes to work; simply challenge yourself and you will be fine.
This will help you upgrade your habit. My list will be different from yours as in mine, I notice that I may need lifestyle changes such as moving with the rich, eating well, dressing well but simple, increasing my taste in life.
You need to do this things, and all positive things to succeed and unlock the doors to your destiny. The relationship you have with your fellow men is also very important as it affects your success story.
Do something about your life. Change the way you think, break out of the box. Change the brain and you change the game, hit the button and start now. You will feel the change in your life and you will see how optimistic you are to be a millionaire.
But you did not think: if I can have a millionaire's brain, why not have a billionaire's brain? The way you use your brain matters and ensures how high you can survive. It is your survival mechanism that comes to work; simply challenge yourself and you will be fine.
Naija Customer
An American priest walked into a barber shop in Washington D.C. After he got his haircut, he asked how much it would be. The barber replied, "No charge. I consider it a service to the Lord."
The next morning, the barber came to work and there were twelve prayer books and a thank you note from the priest in front of the door.
Later that day, a British police officer on vacation came in and got his haircut. He asked how much it would be. The barber replied, "No charge. I consider it a service to the community."
The next morning, he came to work and there were a dozen doughnuts and a thank you note from the police officer.
Then, a Nigerian businessman came in and got a haircut. He asked how much it would be. The barber said, "If you are really a Nigerian, then you don't have to pay since you are from the same country as John Mikel Obi, the Chelsea Footballer."
The next morning, the barber came to work and there were 30 Nigerians in front of his door waiting for a haircut. lwkmd!! 9ja!!
We no dey carry last true or false?
The next morning, the barber came to work and there were twelve prayer books and a thank you note from the priest in front of the door.
Later that day, a British police officer on vacation came in and got his haircut. He asked how much it would be. The barber replied, "No charge. I consider it a service to the community."
The next morning, he came to work and there were a dozen doughnuts and a thank you note from the police officer.
Then, a Nigerian businessman came in and got a haircut. He asked how much it would be. The barber said, "If you are really a Nigerian, then you don't have to pay since you are from the same country as John Mikel Obi, the Chelsea Footballer."
The next morning, the barber came to work and there were 30 Nigerians in front of his door waiting for a haircut. lwkmd!! 9ja!!
We no dey carry last true or false?
STORY OF A ROBBED
Story, story, once upon a time. There were some Robbers who entered a house, and asks for all the money and valuables. After they collect what they can, they give the man of the house a gun with instructions to shoot his wife or else he be shot himself.
The man gets the gun, points it at his wife and hesitates....
He is thinking of what he has gone through in life with his wife and how she has suffered and sacrificed for him.
He hands back the gun and says, “I am sorry I can’t do this…
“The boss of the robbers silently grabs the gun from him and passes it on to the wife with the same instruction.
The wife gets the gun and without any single hesitation points to her husband’s head and pulls the trigger.
But at last, the gun had no bullets in it. The robbers get their gun and walk out of the house laughing.
QUESTIONS FOR DISCUSSION
1. If you were the man in that house how would you react towards your
wife?
2. If you were the wife, what explanation can you give to your husband!
3. If you were invited to bring peace between this couples, what advice would you give?
Drop your Comments & this should really be an interesting topic to discuss as counsellors.
The man gets the gun, points it at his wife and hesitates....
He is thinking of what he has gone through in life with his wife and how she has suffered and sacrificed for him.
He hands back the gun and says, “I am sorry I can’t do this…
“The boss of the robbers silently grabs the gun from him and passes it on to the wife with the same instruction.
The wife gets the gun and without any single hesitation points to her husband’s head and pulls the trigger.
But at last, the gun had no bullets in it. The robbers get their gun and walk out of the house laughing.
QUESTIONS FOR DISCUSSION
1. If you were the man in that house how would you react towards your
wife?
2. If you were the wife, what explanation can you give to your husband!
3. If you were invited to bring peace between this couples, what advice would you give?
Drop your Comments & this should really be an interesting topic to discuss as counsellors.
STORY OF THE WIDOW'S BABY
Story, story, once upon a time. There was a widow who leaves her house and goes to fetch water, leaving her only child asleep. On her return, she found a large crowd around her burning house. On the inside, her son is about to die in the fire. Throwing her bowl of water on the floor, and crying, she wants to get into the burning house to look for her son. Everyone keeps saying, "You're going to die too, fire is very great." Escaping from their hands, she enters the fire and wrapped her son in a blanket. The child, tight against her breast, is not touched by the fire. Mummy comes out severely burnt and is only narrowly saved; thanks to the care of the hospital, but she lives with scars and unrecognizable. Many years passed.
The child, under the guidance of his mother, completed his studies and was appointed minister. He organized a party at his villa on his appointment, and invited all the dignitaries of the city and his friends. While they were in full party, noises were heard at the door of the entrance to the villa. The son was forced to go and resolve the situation. He found that the security officers were preventing his mother from joining the party. He had not invited her but she also wanted to join the party. Faced with this situation in front of his guests, he said tenderly to his mother: "Please, Mom, I would be ashamed to have you appear before my friends. We can discuss later. " And in secret, he ordered the security services to throw out his mother because of her scars ...
What inspires you in this story? This woman represents Jesus Christ who sacrificed himself for you and I. Today, what place do you give him in your life It is He who has received the scars because of you and me. If you are ashamed of Him, keep this message and don't send it to anyone.
If you are not ashamed of the scars of Jesus Christ, if you have received Him as your Lord and Savior in your heart, convey this message to twelve persons. Jesus Christ tells us in Mark 8, 38: "... For whoever is ashamed of Me and My words in this adulterous and sinful generation, the Son of Man will also be ashamed of him when He comes in the glory of His Father with the Holy angels. " As for me, I started this mission with you.
Hope I spoke to someone?
The child, under the guidance of his mother, completed his studies and was appointed minister. He organized a party at his villa on his appointment, and invited all the dignitaries of the city and his friends. While they were in full party, noises were heard at the door of the entrance to the villa. The son was forced to go and resolve the situation. He found that the security officers were preventing his mother from joining the party. He had not invited her but she also wanted to join the party. Faced with this situation in front of his guests, he said tenderly to his mother: "Please, Mom, I would be ashamed to have you appear before my friends. We can discuss later. " And in secret, he ordered the security services to throw out his mother because of her scars ...
What inspires you in this story? This woman represents Jesus Christ who sacrificed himself for you and I. Today, what place do you give him in your life It is He who has received the scars because of you and me. If you are ashamed of Him, keep this message and don't send it to anyone.
If you are not ashamed of the scars of Jesus Christ, if you have received Him as your Lord and Savior in your heart, convey this message to twelve persons. Jesus Christ tells us in Mark 8, 38: "... For whoever is ashamed of Me and My words in this adulterous and sinful generation, the Son of Man will also be ashamed of him when He comes in the glory of His Father with the Holy angels. " As for me, I started this mission with you.
Hope I spoke to someone?
Money Magnets
Being a money magnet means you don't waste resources, and you know that the little cents, pence and kobos matter. It means you must understand every contract you sign and look out for secret clauses or hidden clauses that can make you pay exorbitant interests.
Money magnets of today avoid debts and are always money conscious. They see opportunities where others see risks. They take financial expert advises before they invest their money.
Buckle up, hold on and keep struggling, keep working hard, keep trying, keep pushing, you will get there. Trust in yourself and never give up! Discover yourself and you will be rich, high and mighty. You need to understand the secret to unlock wealth and become a billionaire like the Bill Gates, late Steve Jobs, and Aliko Dangote.
You need to know how to manage your finances, and grow your financial network. You need to know how to control your conscious mind and be a money magnet. You need to understand how the wealthy work and stay rich.
Money magnets of today avoid debts and are always money conscious. They see opportunities where others see risks. They take financial expert advises before they invest their money.
Buckle up, hold on and keep struggling, keep working hard, keep trying, keep pushing, you will get there. Trust in yourself and never give up! Discover yourself and you will be rich, high and mighty. You need to understand the secret to unlock wealth and become a billionaire like the Bill Gates, late Steve Jobs, and Aliko Dangote.
You need to know how to manage your finances, and grow your financial network. You need to know how to control your conscious mind and be a money magnet. You need to understand how the wealthy work and stay rich.
Emotional Beings
Are you in touch with your inner self? Hope you know that we are all emotional beings. Emotions engage us to our feelings, and that also influences us to love, care, like things and people, have passion for things. I encourage your to be positive, you are high, and should have no low esteem.
There are no limits to what you can achieve in life, as far as you trust in yourself. Be with your full consciousness whatever will happen.
This is the only way to think even if you get caught up but try to get back on this train of thought.
Someone said: "You've gotta party like there is nobody watching, Love like you will never be hurt,
Sing like there's nobody listening, And also live like it's heaven on earth".
There are no limits to what you can achieve in life, as far as you trust in yourself. Be with your full consciousness whatever will happen.
This is the only way to think even if you get caught up but try to get back on this train of thought.
Someone said: "You've gotta party like there is nobody watching, Love like you will never be hurt,
Sing like there's nobody listening, And also live like it's heaven on earth".
Life of a Baby Girl
Did you have a kid sister growing up or a daughter? Babies are beauties and specially baby girls
[LIFE OF A BABY GIRL]
Must Read -15 Jun :- I get attached with ovary,
-17 Jun :- I m a tissue now,
-30 Jun :- Mom said to dad,
‘you are going to be a father’
MOM_DAD were Very Happy
-15 Jul :- My food is what my mom eats,
-15 Sep :- I can feel my heartbeat,
-14 Oct :- I have little hands, legs,
head and stomach,
-13 Nov :- Today i was in an ultra scan,
Wow! I am a girl
-14 Nov :- I was DEAD
My mom and dad killed me
WHY ??
Is it just because i was a girl ??
People love to have a MOTHER, A WIFE,
AND OF COURSE A GIRLFRIEND TOO
THEN WHY NOT A DAUGHTER ??
[LIFE OF A BABY GIRL]
Must Read -15 Jun :- I get attached with ovary,
-17 Jun :- I m a tissue now,
-30 Jun :- Mom said to dad,
‘you are going to be a father’
MOM_DAD were Very Happy
-15 Jul :- My food is what my mom eats,
-15 Sep :- I can feel my heartbeat,
-14 Oct :- I have little hands, legs,
head and stomach,
-13 Nov :- Today i was in an ultra scan,
Wow! I am a girl
-14 Nov :- I was DEAD
My mom and dad killed me
WHY ??
Is it just because i was a girl ??
People love to have a MOTHER, A WIFE,
AND OF COURSE A GIRLFRIEND TOO
THEN WHY NOT A DAUGHTER ??
Coping with Life
Have you being hight there in life, had some money, made something great for yourself and finally you feel broken, hurt and lowly. Someone said "Oh! For one, I wanted to be Hero, and by God's grace, I experienced The Feeling of Hero" and he does not feel good because he sees himself as having too much Thoughts and Doubts. He feels he has failed in life, feels the doubts that the path presently make him Restless, Weaken, Hopeless, Tired, Aimless, Unworthy, Dis-interesting.....
Are you like this guy? Do you think you cannot cope?
Now, What will you Do? Do not feel disappointed.
At this moment, it's ur stage and you are the actress, so sieze the moment because it's all yours.
Perfect timing is all that makes u stand out; Pray for wisdom and God's leading
Are you like this guy? Do you think you cannot cope?
Now, What will you Do? Do not feel disappointed.
At this moment, it's ur stage and you are the actress, so sieze the moment because it's all yours.
Perfect timing is all that makes u stand out; Pray for wisdom and God's leading
Success TeraBytes
You are a success and a product of your thought. What you think about or feed your mind with affects your altitude in the rungs of success.
"This is your time. This is your moment. God has equipped you, empowered you and anointed you. No weapon formed against you can prosper. Pay no mind to the people that are trying to discourage you. God didn’t put the promise in them, He put the promise in you..Bottom line: God will not allow any person to keep you from your destiny. They may be bigger, stronger, or more powerful, but God knows how to shift things around and get you to where you're supposed to be..!!"
By choosing higher, positive thoughts you can change what you see on the screen at any time. You have complete control of what goes into your film! What are you choosing for your life?
This is your time. This is your moment. God has equipped you, empowered you and anointed you. No weapon formed against you can prosper. Pay no mind to the people that are trying to discourage you. God didn’t put the promise in them, He put the promise in you.. You’re entering into a “due season” year, where unexpectedly, you’re going to see things change in your favor.
Be yourself and be grateful for all you have. When you look at your situation on your own, it may be impossible. The good news is, you’re not on your own. You have the most powerful force in the universe on your side. One touch of His favor can catapult you to a new level..!!" :)Bottom line: God will not allow any person to keep you from your destiny. They may be bigger, stronger, or more powerful, but God knows how to shift things around and get you to where you're supposed to be..!!"
You can achieve more by pushing yourself today, whether it be in arts, writings, some form of education, training, or fashion sense. You are a Success Terabytes.
"This is your time. This is your moment. God has equipped you, empowered you and anointed you. No weapon formed against you can prosper. Pay no mind to the people that are trying to discourage you. God didn’t put the promise in them, He put the promise in you..Bottom line: God will not allow any person to keep you from your destiny. They may be bigger, stronger, or more powerful, but God knows how to shift things around and get you to where you're supposed to be..!!"
By choosing higher, positive thoughts you can change what you see on the screen at any time. You have complete control of what goes into your film! What are you choosing for your life?
This is your time. This is your moment. God has equipped you, empowered you and anointed you. No weapon formed against you can prosper. Pay no mind to the people that are trying to discourage you. God didn’t put the promise in them, He put the promise in you.. You’re entering into a “due season” year, where unexpectedly, you’re going to see things change in your favor.
Be yourself and be grateful for all you have. When you look at your situation on your own, it may be impossible. The good news is, you’re not on your own. You have the most powerful force in the universe on your side. One touch of His favor can catapult you to a new level..!!" :)Bottom line: God will not allow any person to keep you from your destiny. They may be bigger, stronger, or more powerful, but God knows how to shift things around and get you to where you're supposed to be..!!"
You can achieve more by pushing yourself today, whether it be in arts, writings, some form of education, training, or fashion sense. You are a Success Terabytes.
Dream Big
Let your dreams be bigger than your fears and your actions be bigger than your words. Your dream doesn't have an expiration date. The Lazy Person`s Secret Law of Attraction is Hack to attract anything you desire in your life.Remember that "action speaks louder than words" and ever will. As for me, and my dreams, I won't stop for I am always "Dreaming", and they mostly come true.
When I mean dream big, be realistic in your plans, your dreams and your visions.
Vibrational Beings
We are all Vibrational Beings. You're like a receiving mechanism that when you set your tuner to the station, you're going to hear what's playing. Whatever you are focused upon is the way you set your tuner, and when you focus there for as little as 17 seconds, you activate that vibration within you. Once you activate a vibration within you, Law of Attraction begins responding to that vibration, and you're off and running--whether it's something wanted or unwanted.
Abraham had been told what he can achieve at an old age but he doubted and acted as a vibrational being. He saw himself as too old to father child, but finally Isaac happened.
You need to master your fear for good and embrace it and you will be great. Mastering your fears starts by understanding yourself, looking deep into your life, x-raying your actions, both failures, disappointments, successes, achievement, and experiences.
To act as a Vibrational Being, you need to react positively to what you see around your life, family, work or business.
Abraham had been told what he can achieve at an old age but he doubted and acted as a vibrational being. He saw himself as too old to father child, but finally Isaac happened.
You need to master your fear for good and embrace it and you will be great. Mastering your fears starts by understanding yourself, looking deep into your life, x-raying your actions, both failures, disappointments, successes, achievement, and experiences.
To act as a Vibrational Being, you need to react positively to what you see around your life, family, work or business.
Feeding My Mind
The mind of everyone is the most powerful machine and must be controlled. What you feed your mind is what you get...FIFO (First In First Out) because the mind of man is like a computer, so it operates mostly as "garbage in, garbage out".
What do you feed your mind with? What information do you receive? What do you spend your mind on? What do you watch, read, listen to, or engage your mind on? Mind how you also develop your mind.
Waking up with the feeling of great things are happening around us all day is awesome. I always believe that something wonderful is about to happen !!! And it does ... Ask with all your heart and you shall receive in perfect Divine time! ! This is so right and it works, I got the best news today, believe it, and your life is turning around for the better. If you see luxury, you will achieve luxury;
The universe is always responding alike to your thought, decision and action. Actually whatever vibes you deliver to the universe, it will respond you alike without any rectification. If you send the vibes of happiness or sadness then both will be responded alike without any rectification. So if you are in perfect positive vibrational match with the universe then you can attract alike in terms of abundance, happiness, success and prosperity in life. Its wise to feed your miracle creating subconscious mind with positive life prospering thought which can helps you to transform your personal, professional and spiritual life to next level.
Also look and think imagination; Having vision is my rule for success and happiness. The bible says "my people perish for lack of vision". My prayer for you reading this, is that you shall not lack vision. It is not always easy when life is being unkind but we have to keep trying if only for the sake of those around us!
Positive Affirmation
Do you know what Positive Affirmation means? It simply means saying it out positively. Claim good things for yourself by faith; believe it and you will have it. Believe in yourself and care about what you say because there is power in spoken words. The bible says in Proverbs, that life and death lie in the power of the tongue.
You have alot to proclaim into your life
I am divinely blessed and unconditionally loved by the divine intelligence as well as the universe intelligence. It's my divine rights to live my live in the light of abundance, happiness and prosperity.
I am divinely cared and blessed in the areas of personal, professional and spiritual life.
I am manifesting my dream desires as per my expectation and scripted deadlines.
I am happy and living a destined version of life.
I am a specially made for greatness.
I am infinite!
You have alot to proclaim into your life
I am divinely blessed and unconditionally loved by the divine intelligence as well as the universe intelligence. It's my divine rights to live my live in the light of abundance, happiness and prosperity.
I am divinely cared and blessed in the areas of personal, professional and spiritual life.
I am manifesting my dream desires as per my expectation and scripted deadlines.
I am happy and living a destined version of life.
I am a specially made for greatness.
I am infinite!
Satisfaction
Are you satisfied with life? Are you comfortable with your position and location in life? Do you think you have not achieved or not arrived? There is goodnews, because you are where God wants you to be, so relax yourself and trust in your life. Trust god and you will be fine.
Have good feelings because how you feel affects how the people around you also feel. A pschology research in Harvard University showed that the behaviour of an unborn baby is also inflenced by the mother's mood while she was pregnant, her diet, her environment and the kind of people who come around her while she was pregnant.
The Feeling of Satisfaction for whatever you have is very important but also seek for the best for you. Aim high and see yourself achieve the best and be the best. To the people around, give them love and they will give you support. In addition, love to be loved because this is my secret in my life. Open your heart to love, share love, be charitable, be caring.
The Feeling of Satisfaction for whatever you have is very important but also seek for the best for you. Aim high and see yourself achieve the best and be the best. To the people around, give them love and they will give you support. In addition, love to be loved because this is my secret in my life. Open your heart to love, share love, be charitable, be caring.
Law of Attraction
The law of attraction is a very well known law in life. Believing and being positive is the way to go as I have definitely attracted what I think/visualise, but give yourself a leave pass when negatives come to mind, its okay to think it but let it go and live in the present!
Fear nothing - just think about what you want. It feels so much better! Learn how to master your fears and create your dream life. you can write out your dreams on a journal, and on a post ti, and keep it by your mirror and see it everyday while you brush your teeth. As you keep seeing it, you will imagine it and it will finally be created. "If you can see it, you can achieve it" so open your mind and you will be a success story.
Be grateful for what you have now. As you begin to think about all the things in your life you are grateful for, you will be amazed at the never ending thoughts that come back to you of more things to be grateful for. You have to make a start, and then the law of attraction will receive those grateful thoughts and give you more just like them.” ― Rhonda Byrne.
The Law of attraction has worked yet again for me as well as so many people with quite a complex wish/want and it's been 100% successful (as ALL the odds were against it). it looked like it repeatedly happened but it has worked for me quite a few times, I would never have believed it. The Message is BELIEVE, Think it positively, Visualise it. Doesn't always happen right away but IT WILL.
You may not understand that: if we are always in the "about", it will always be there, in the "about" and so, it will never happen, that day will never arrive! Little Miracles happen every day ... Be open to notice them !!!
The re is also a timing for the law of attraction. It may be faster for some and slow for others but it will finally happen for you. Everything you wish comes to you at perfect timing. Even if it the law of attraction works slowly, always believe that something wonderful is happening,and it will... Have faith in God and believe that your prayers will be answered.
Fear nothing - just think about what you want. It feels so much better! Learn how to master your fears and create your dream life. you can write out your dreams on a journal, and on a post ti, and keep it by your mirror and see it everyday while you brush your teeth. As you keep seeing it, you will imagine it and it will finally be created. "If you can see it, you can achieve it" so open your mind and you will be a success story.Be grateful for what you have now. As you begin to think about all the things in your life you are grateful for, you will be amazed at the never ending thoughts that come back to you of more things to be grateful for. You have to make a start, and then the law of attraction will receive those grateful thoughts and give you more just like them.” ― Rhonda Byrne.
The Law of attraction has worked yet again for me as well as so many people with quite a complex wish/want and it's been 100% successful (as ALL the odds were against it). it looked like it repeatedly happened but it has worked for me quite a few times, I would never have believed it. The Message is BELIEVE, Think it positively, Visualise it. Doesn't always happen right away but IT WILL.
You may not understand that: if we are always in the "about", it will always be there, in the "about" and so, it will never happen, that day will never arrive! Little Miracles happen every day ... Be open to notice them !!!
The re is also a timing for the law of attraction. It may be faster for some and slow for others but it will finally happen for you. Everything you wish comes to you at perfect timing. Even if it the law of attraction works slowly, always believe that something wonderful is happening,and it will... Have faith in God and believe that your prayers will be answered.
Think Positively
You are powerful, because you are made special, whether born poor or rich. It does not matter if you were born with a silver spoon or not, its how you follow it that matters. In my first year in the University, I loved one quote: "it is the you in you that makes you the you you are". You are special! You are made in His image so why worry? You are beautiful! You are handsome! Power is authority. As far as you have strength, some education, can read and write, you can make it, it is not over for you. You too can be your own boss. Your thoughts are very important but what you see is what you believe and that affects what you can create. Think Positively!
Honestly, do you know yourself?
Do you know your strengths and weaknesses?
Do you know what stuffs you are made off?
Do you allow those weaknesses to OVERPOWER you?
Do you know that you were fearfully and wonderfully made?
Always see everyday as a new day and a day to achieve alot. So be positive, organise yourself, and plan your day, you will be fine. That job you applied for will be yours, trust god and work towards it by preparing adequately, because "he who fails to plan, plans to fail".
Today, there is good news because there is one power within you that is stronger than any other power, called the Supreme Power! When you use this power it will dissolve all chaos, it will wipe out all negativity, and it will cut through every single situation, unfailingly. Any situation of negativity in your life is simply the absence of this one almighty power. You can rely on it to obliterate every negative thing, because nothing can stand up against it. You can use it on yourself or anyone else, and the more you use it, the more powerful it becomes.
My advise for you today is you should be strong and look up. You have a lot of fans and followers than you even recognize. You are stronger than you know. Be lifted and stay great, I believe in you
Be grateful
Nothing touches the heart more like a grateful heart. being thankful pays alot. Practice gratitude relentlessly because as you practice gratitude, you will attract more thoughts and feelings of gratitude. In a short time your entire being will be saturated with it, and you will experience a happiness that is beyond what you can imagine. This is what is ahead for you when you choose gratitude as your way of life.
There is a Nigerian Igbo proverb that says: "if you do appreciate the lady who makes you some bean cakes, she will gladly make you more". Being grateful is more than you see, even King Solomon in proverbs admonished us to be grateful.
Live a grateful life, thank God a new day and a happy life. Thank Him for your life, your education, work, money, wealth, health, family, friends and even the air we breath. Be grateful!!
Bill Gates: Lessons Not taught in Schools
Will you like to be like Bill Gates? Will you want to have a meeting with him? In the life of great men, they too have passed through difficulties as we all do. There are various proverbs like "life is a school", or "experience is the best teacher", but are these true? What is true to you? How do you think you can be better than you are now? We know of the story of billionaire, investor, inventor, and frontline leader in Info Technology, charity leader and Founder of Microsoft -Bill gates. I have 13 lessons from Bill Gates that are never taught in any school, as herein:
STEVE JOBS: 12 RULES OF SUCCESS
Wise Quotes (Or so)
WISE QUOTES...OR SO
1). He who refuses to mix Agege bread and akara as a type of sandwich is a racist - Martin Luther King jnr (1788)
2). He who completely unwraps moimoi and gala before eating cannot keep a secret - Abraham Lincoln (1864)
3). Only a courageous woman can fry a bunch of plantain without tasting any - Albert Macauley (1872)
4). Drinking Garri doesn't mean u're poor, but allowing the Garri to swell before drinking is poverty - Queen Elizabeth (1893)
5). Any man who drinks Alomo bitters without squeezing his face, is capable of murder - Michael Faraday (1899)
6). Any man that uses his teeth to cut shaki from pepper soup, with his eyes wide open, is not afraid of anything - Williams Shakespeare (1900)
7). Anyone who graduates from a conventional school without experiencing a strike, has never been to Nigeria - Lord Lugard (1904)
8). He who runs around looking for scissors to cut indomine seasoning sachet is not hungry - Dr Nnamdi Azikiwe (1947)
9). He who says nothing lasts forever has never tried Hausa perfume - Nelson Mandela (1973)
10). No matter how hot your temper is, it cannot cook yam - Prof Jega (2015)
11). Anyone who reads this without laughing, is either looking for job or needs money badly - Barack Obama (2014).
12). Aim to the sky...and into the stars and become a superstar bcos u are already a star - Chiemela Victor Amaechi Mgbeoji
13). He whose anus is small does not swallow Nkpuru Udara ........Nwogu Stanley
Do you know any quote by Nelson Mandela?
Wednesday, March 23, 2016
The Story of Dad's Palms
Story, story, once upon a time. There was a man, whose name is Kunle. Kunle was a recent graduate and had just applied for a job in a Bank and he was invited for the interview and got employed the same day to his surprise. He was invited to start the following week, but the Lead interviewer who was also the Bank Manger shook his hands and observed his palms were soft.
He decided to ask him what his parents do for a living and he said his father is a farmer. He told him to go home and look at his father's palms and when he comes on Monday, he should tell him what he observed.
On getting home, he broke the news of the successful interview to his boss, and asked to see his dad's palms; then he noticed all the stretches, marks, scars and the tough skinned palms his dad has.
He then narrated the incident to his dad, and at that moment his dad sighed and his dad told him that him the story of how he has been struggling to make sure he came out with distinction and never lack in school. The boy told his father that he was sorry not to have seen it earlier or appreciated any of it.
The father prayed for him and blessed him and on Monday, he went to start his work and his boss called him into the office and asked him: what did he observe in his father's palms? He said that it was hard unlike his palms that were soft.
THE MORAL OF THE STORY: We should appreciate our parents and ALL who went through alot to make us comfortable and successful in school.
You will Succeed! Stay great and connected!! DonVic loves you
How to Change Your Thinking
Every day and
in every way, you are becoming better and better. The way you think affects the people around you and always have positive energy because it is infectious. Life is a puddle and a puzzle, depends on how you choose to see it. Your perspective on life is very important because it determines your direction and elevation. Think Big!
What you see is what you get, but what you dream is what you achieve. If you cannot see it, you cannot achieve it. Trust in God and believe in yourself. Have faith in God and also have faith in yourself. Be yourself at all times.
You are made to seat with Kings and Queens, rulers and great men. You are meant to be in Gala Balls, Big Dinner parties, International Conferences and Fora, attend exhibitions and concerts, have performances, lectures ad talks, be the actor and not the spectator.
In other to live a happy life, you must not live a life of regret, you must keep moving, and like Winston Churchill said: "you must never, never, ever give up!" and then you will soar high like eagles.
Success is not gotten on a platter of gold or dug like Diamonds at the back yards in Sierra Leone, or explored on the ground like oil in Ukwa - Abia; you must make a conscious effort, because opportunity does not come once but is all around us; so many doors must be knocked but not in an effort to succeed, humility is the watchword.
I will like to ask everyone to prepare a list
on how millionaires think. You can look through it or send it to me for the
privilege of hearing your views. God bless you. It will be quite insightful.
More importantly, it further validates the fact that you are making progress towards changing the way you think. You see as you change and improve on the inside, things and people will change and improve around you. So watch out! You are going places. I celebrate your success upfront because it has become
inevitable.
Well, this exercise is not in futility; it is aimed at your transformation. The reason I asked you to write that list is so that you will begin to think like them. If you have, compare it to the way you think and I am sure you realize that you need to make adjustments.
More importantly, it further validates the fact that you are making progress towards changing the way you think. You see as you change and improve on the inside, things and people will change and improve around you. So watch out! You are going places. I celebrate your success upfront because it has become
inevitable.
Well, this exercise is not in futility; it is aimed at your transformation. The reason I asked you to write that list is so that you will begin to think like them. If you have, compare it to the way you think and I am sure you realize that you need to make adjustments.
The
essence of any information is transformation. So it is not enough to know how
millionaires think, we need to apply it to our lives and start thinking that
way. How do
you go about it? I want you to know that any skill can be learnt. You can learn
new habits. You can change the way you think. You can re-programme your mind.
It is common knowledge that when you walk with the wise, you
become wise. Likewise, you cannot be a millionaire till you think like one. So for
what you have written to be of benefit to you, I want you to go through what
you have outlined again, this time for the purpose of comparing it with
yourself.
Is what you have written how you think as an individual? Take note of the areas of difference and begin to make adjustments. When you Change Your Habits, you Change Your Life.
Keep on succeeding! Stay great, and believe in yourself.
Is what you have written how you think as an individual? Take note of the areas of difference and begin to make adjustments. When you Change Your Habits, you Change Your Life.
Keep on succeeding! Stay great, and believe in yourself.
Sunday, March 20, 2016
8 BUSINESS SENSE TEST FOR HER
In a recent interview with Black Enterprise Magazine, President Obama was asked, with reference to the complexity of the American Economy, " Are you scared of the Economy?".
To which President Obama replied, " No am not scared of the American Economy, I'm scared of my wife.......She has more business ideas in her mind than the American Economy"
So fellas, I submit to you "that a Woman's most important asset is NOT her LOOKS, it is how she THINKS!"
In fact, over the years I have come to the forgone conclusion that "a Woman with a beautiful BODY can turn heads, but a Woman with a beautiful MIND can turn businesses around!"
So here are 8 ways to tell if your Girlfriend, fiance or wife has BUSINESS SENSE and she can help you build a Business.
1. She dresses for Success, not to Seduce.
Take it from me; if there is one distinguishing feature between highly successful women and less successful women, it is their ability to dress for SUCCESS, NOT dress to SEDUCE. All the successful women I know, be it Marissa Mayer, Oprah Winfrey or Michelle Obama understand that, what you wear says a lot about your brand as a person. No wonder such women are quoted in both Business Magazines, and Fashion Magazines.
Your girl friend or woman has business sense, if she dresses to WIN, not to SIN
2. She lives below her means.
That doesn’t mean she lives poor. But it does mean that she has enough sense to use the K100,000 she has in her purse to pay for her ACCA or CIM exam, than use it all to buy Brazilian hair! You can tell your woman can build a business if, she is willing to look Broke TODAY, so she can live like a Queen TOMORROW.
3. She surrounds herself with friends who are Problem Solvers, not Attention Seekers.
Show me a successful woman and I will show you a woman who has a network of friends who are World Changers. As Zig Ziglar said,” Surround yourself with people who are ONLY going to lift you higher.
You can tell your woman has business sense, by observing her friends.
4. She blames herself, not her Gender
Unlike other women, she doesn’t waste time complaining about the obstacles women face in doing business or getting a promotion at work. Instead, she embraces the challenge of being a woman at work, and takes it head on. You will never hear a successful woman blame her failures on the fact that she is a woman.
5. She believes she can SUCCEED
By that, I mean she believes in herself and her own ability to succeed in business. It is Henry Ford who first said, “Whether you think you can, or think you can’t. You’re right.”
6. She supports other Women.
One of the tragic lessons I learnt in my days of preaching as a College student was that, unlike men who supported other backsliding brothers, Christian sisters rarely preached to or supported other Christian sisters when they backslid.
It is Madeleine Albright, the first woman to become the US Secretary of State, who first said, “There is a special place in hell for women who don’t help other women.”
You can tell your woman has business sense, if she helps and supports other female to succeed.
7. She stays CURRENT.
That means she continuously exposes herself to new knowledge, information, and ideas that can upgrade her skills, and help her earn more income. The key is, in the information age, “to earn more, one has to learn more,” Brian Tracy
8. She is willing to take risks.
This means she takes risks, albeit calculated risks, not only in business but also in committing herself to you. Even when she may not see you succeeding at PRESENT, she believes in you, to the extent that she invests her spiritual, mental and emotional resources in YOU.
Let me end with this, a Woman’s best investment is NOT her wardrobe, it is the Man she marries.!
See you at the TOP, stay great and connected
To which President Obama replied, " No am not scared of the American Economy, I'm scared of my wife.......She has more business ideas in her mind than the American Economy"
So fellas, I submit to you "that a Woman's most important asset is NOT her LOOKS, it is how she THINKS!"
In fact, over the years I have come to the forgone conclusion that "a Woman with a beautiful BODY can turn heads, but a Woman with a beautiful MIND can turn businesses around!"
So here are 8 ways to tell if your Girlfriend, fiance or wife has BUSINESS SENSE and she can help you build a Business.
1. She dresses for Success, not to Seduce.
Take it from me; if there is one distinguishing feature between highly successful women and less successful women, it is their ability to dress for SUCCESS, NOT dress to SEDUCE. All the successful women I know, be it Marissa Mayer, Oprah Winfrey or Michelle Obama understand that, what you wear says a lot about your brand as a person. No wonder such women are quoted in both Business Magazines, and Fashion Magazines.
Your girl friend or woman has business sense, if she dresses to WIN, not to SIN
2. She lives below her means.
That doesn’t mean she lives poor. But it does mean that she has enough sense to use the K100,000 she has in her purse to pay for her ACCA or CIM exam, than use it all to buy Brazilian hair! You can tell your woman can build a business if, she is willing to look Broke TODAY, so she can live like a Queen TOMORROW.
3. She surrounds herself with friends who are Problem Solvers, not Attention Seekers.
Show me a successful woman and I will show you a woman who has a network of friends who are World Changers. As Zig Ziglar said,” Surround yourself with people who are ONLY going to lift you higher.
You can tell your woman has business sense, by observing her friends.
4. She blames herself, not her Gender
Unlike other women, she doesn’t waste time complaining about the obstacles women face in doing business or getting a promotion at work. Instead, she embraces the challenge of being a woman at work, and takes it head on. You will never hear a successful woman blame her failures on the fact that she is a woman.
5. She believes she can SUCCEED
By that, I mean she believes in herself and her own ability to succeed in business. It is Henry Ford who first said, “Whether you think you can, or think you can’t. You’re right.”
6. She supports other Women.
One of the tragic lessons I learnt in my days of preaching as a College student was that, unlike men who supported other backsliding brothers, Christian sisters rarely preached to or supported other Christian sisters when they backslid.
It is Madeleine Albright, the first woman to become the US Secretary of State, who first said, “There is a special place in hell for women who don’t help other women.”
You can tell your woman has business sense, if she helps and supports other female to succeed.
7. She stays CURRENT.
That means she continuously exposes herself to new knowledge, information, and ideas that can upgrade her skills, and help her earn more income. The key is, in the information age, “to earn more, one has to learn more,” Brian Tracy
8. She is willing to take risks.
This means she takes risks, albeit calculated risks, not only in business but also in committing herself to you. Even when she may not see you succeeding at PRESENT, she believes in you, to the extent that she invests her spiritual, mental and emotional resources in YOU.
Let me end with this, a Woman’s best investment is NOT her wardrobe, it is the Man she marries.!
See you at the TOP, stay great and connected
Sunday, March 13, 2016
Talk About It
Have u heard how bad gossip destroys? Am publishing sent by another from a friend of mine for years.....
'The words of a gossip go down to a man's inmost parts.' Proverbs 18:8 NIV
Gossip destroys reputations and friendships. And it keeps others from opening up and getting the help they need. The Bible ranks gossip up there along with murder (see Romans 1:29). It may not be your intention, but your words can break somebody's heart. It's no big surprise when people gossip at the beauty salon or in the workplace, but how about church? It's just not so obvious there because we're experts at disguising it. For example, a friend confides in you about a marriage issue, or their child's drug problem, and what do you do? You get on the phone and call the prayer chain. You share it under the guise of asking for prayer. James writes, 'If anyone... does not keep a tight rein on his tongue, he deceives himself and his religion is worthless' (James 1:26 NIV).
Why does God come down so hard on gossip? Because it tells the world certain Christians can't be trusted; that somebody with a problem is safer in a twelve-step group than in church. Ever notice how gossip travels faster on grapevines that are sour? And some of the worst offenders are Christian leaders seeking to impress their peers by divulging details of somebody else's struggles.
If you see this tendency in yourself, you need to pray: 'Let the words of my mouth, and the meditation of my heart, be acceptable in Your sight, O Lord' (Psalm 19:14 NKJV). If you must talk, talk to God.
7 WAYS TO GET OUT OF DEBT
Make a Budget:
Making a budget indirectly helps you get out of debt by making you accountable for your spending. List monthly income and recurring expenses. Overestimate important expenses like utilities, transportation, and food to allow yourself a little margin. Mint.com has outstanding budgeting tools that are simple to use. Look for places in your budget you can cut back, like canceling cable TV, ending your gym membership, or cutting entertainment expenses. Whatever money is leftover after monthly expenses should go directly toward your outstanding debts.
Take advantage of the internet:
I advise you download the app for your bank, always read your mails, and also try to always check your bank statements. Read economic and financial news and be on top of your economy. Before you go shopping, plan yourself and itemise the things, you can go online and check them out and look at prices from the competitor markets/shops, and don't be in a hurry to buy, take your time becaus eit is your money you are spending. Plan yourself wisely.
Know Your Financial Status:
Knowing what your credit history looks like does two things: It alerts you to possible mistakes on your credit record, and it gives you clues to how flexible creditors will be should you try to renegotiate payment plans. Reading your credit reports helps you envision how lenders view your debt situation.
Monthly, it is worth checking your Bank statement. Once each year you can go to AnnualCreditReport.com and download your credit reports from Experian, Equifax, and TransUnion for free. Your credit report is not your credit score. Services like CreditKarma.com provide your TransUnion score for free. Other services generally require payment for providing your credit scores.
Lock Up the Credit Cards
You have to avoid digging yourself any deeper in debt. Lock the credit cards in a box, cut them up (except one for true emergencies), or even freeze them in a bowl of water. You want to make it hard to use your credit cards. Generally you shouldn't cancel credit card accounts, because this will lower your ratio of available credit to credit card debt, and can ding your credit score. Plus, you have to pay them off anyway. Basically, you should make it difficult to use them.
Negotiate With Creditors
This is hard for most people, but it can make a difference. Prioritize your most important bills, like mortgage payments or rent, utilities, transportation, and insurance, and pay them in full if possible. If you're not able to pay the minimum on a credit card, call the card issuer. Depending on your history, you may be able to negotiate a lower interest rate, or at least a lower minimum payment. Creditors don't want to track you down or send your account to collections, and calling them and explaining your situation makes it less likely they'll have to.
Attack Debt Methodically:
Choose one outstanding debt to target first. There are different theories on the best way to do this. Some people choose the smallest debt first for the motivation that paying it off will provide. Others choose to go after debt with the highest interest rate first, because it's costing the most money.
Once you choose which debt to work on first, pay the minimums on all other outstanding debts, and put every leftover dime toward the debt you're targeting. Repeat until the targeted debt is cleared, then choose another to tackle. There are no shortcuts, and you may have to make difficult spending choices, but it's better than a debt going into collections. Eventually you'll have your debts paid off, and few accomplishments feel better than this.
Use Unexpected Money Wisely:
Don't include things like year-end bonuses in your budgeting, because amounts and timing are not guaranteed. When you find yourself with unexpected money, put it toward debt before you have a chance to think about it. It only takes a few minutes to decide that you should treat yourself, or have some fun, but the fun of a new iPad or flat screen TV is nothing compared to the feeling of not owing anyone money.If you're really in over your head and worry that bankruptcy may be necessary, consider working with a consumer counseling service. Before choosing a service, check with your state's Attorney General's office to learn if there are complaints against it or Ombudsman or look up the Department of Justice for a list of approved credit counseling agencies for debt counseling as well. Unfortunately, some organizations claiming to be credit counseling services charge high fees and can make debt problems even worse.
Wanting to get out of debt is a goal shared by millions. It requires discipline, but it can be done if you approach it methodically. Debt impacts the whole family, so it's good to deal with it as a family. When everyone has a shared goal, you'll feel better about sacrifices you have to make, and the whole family can share in the sense of accomplishment once you get out of debt.
Subscribe to:
Posts (Atom)