Monthly Archives: June 2016

How To Finish 2016 Financially Strong


Every day, tourists and New York residents alike flock to the financial district in downtown Manhattan to view the “Charging Bull” – an iconic symbol of American capitalism. My daily work commute runs through this part of town and I am always intrigued by the number of people who stop by, regardless of time of day or weather condition, patiently standing in line, waiting for their turn to take pictures , resolutely intent on taking a piece of the bull with them.

There is often a healthy dose of optimism that greets a new year. We are bullish about the prospects for the year. Perhaps this is the year that a perfect combination of factors will lead us to financial paradise – the economy is growing at a fast clip, inflation is kept in check, there is political stability, our business idea takes off, we invest in that penny stock that generates super-sized returns and we get that promotion we’ve long been angling for!

If you have resolved to make 2016 a bull year – to own the year the same way those picture-takers in the financial district proudly take the bull home with them- you need to take action.  2016 is mid-way, decide to take charge of factors within your control rather than merely hoping external factors are favorable. For me, a bull year is one in which

  • I live within my means, that is, my income exceeds my expenses
  • I live well – I meet all my financial obligations and enjoy a good quality of life
  • I take prudent action that fosters my family’s future financial well-being
  • I enjoy greater financial margin, a growing net worth, compared to prior years
  • I give freely to support people and causes that are near and dear to my heart

American author and poet, Henry David Thoreau said “if you have built castles in the air, your work need not be lost; that is where they should be. Now put the foundations under them.” In other words, it’s great to be bullish about 2015 from a financial standpoint but don’t just fold your arms and hope for the stars to magically align in your favor. Make this a bull year by changing your aptitude with respect to money.

Are you merely working for money or do you know how to make money work for you? There are time-tested principles that govern money management and wealth accumulation. The more you understand and apply these principles, the better your financial standing. This year, take steps to become more money savvy – read books, attend seminars, listen to podcasts, consult with a financial advisor. In the words of Robert Kiyosaki, “it’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for”. Sound fiscal aptitude makes your money grow and stick around much longer.

Money calls for responsible stewardship no matter how little or how much of it you currently possess. Do you have a money game plan for 2016? Without a plan, you are leaving your financial outcome to chance. Take time at this time of the year to lay out what needs to happen for you to consider this a successful year financially. I have shared with you my personal definition of a bull year. What’s yours? Once you have laid out your plans, pursue them with vigor and enthusiasm. Do not merely hope this is a bullish year, seize the initiative and make 2016 a bull year!

Republished from Personal Wealth Digest

How To Move Past Your Pain

Young girl in a white sweater drinking tea with lemon

Have you ever suffered loss and words cannot adequately describe your pain?

You feel alone even though there are so many people around trying to support you…

You feel alone because no one else can feel your pain or can relieve you…

There are some moments in life that you go through certain situations and you wonder how to deal with it.

I lost my father two years ago (6/19/14). His passing  was the most painful experience I have ever had. There were times I asked myself if I could ever get over it.

At the time getting over the pain looked impossible…but I did. There were important lessons learnt in the process and I will love to share. I hope someone finds it useful.

1. Decide to move on. There was a point after my loss that I knew I had to make a choice. It was the same week my father died , the pain was real and I was grief-stricken. I made a decision to move past the pain, I absolutely had no idea how but made the decision anyway. Looking back today, I realized that was the most important decision I made.

2. Reach out for help:  Once a decision to move on is made, ask God for help. More than ever before I appreciated the privilege I have to call God my father and the ability to lean on him for strength.  It is  important to express your emotions, don’t suppress it, cry if you need to. While it okay to express yourself it is absolutely crucial to reach out to God for help. One thing I found extremely valuable was spending time praying and asking God to heal my broken heart. I regained emotional strength with every passing day and you can too.
3. Focusing on the beautiful memories we created together when he was alive was quite refreshing. Talking and laughing about the fun times assisted the healing process. This was a perspective my counseling pastor gave me and it helped me tremendously.

My goal with this post is to encourage anyone experiencing grief. God heals and comforts like no one else can. Reach out to him and allow him to soothe your wounds.


Time to Soar!

image by BN Singh

It is time to soar!

Look at yourself in a mirror and declare “…it is time for me to spread my wings like the eagle and soar!”


A young child has many influences in his life. Parents and family members encouraging and speaking into him builds confidence in him, in most cases this child grows up believing in himself, growing a strong self-esteem.

Some are not as fortunate, raised in an abusive environment  they struggle to find an identity in life.

Irrespective of your family situation, life experiences or  upbringing, the moment you make decision to move up in life things begin to change.

The first step is deciding in your heart that the time to soar is now. Believe you can and things will start aligning your way to make it happen. Ideas on things to do, or resources to look for will begin to cross your mind.


My objective with this post is to encourage you to make the second half of this year an amazing one.

It does not matter the limitation you may have faced in the first half.

Move past the mistakes or failure of the past (learn from them though).

The future ahead of you is bright, and you have all it takes to achieve all that you have purposed to accomplish. Don’t let anything hold you back

People might have talked down on you, your family may have given up on you, sad as that might be…it does not determine how far you will get in life.

The most important thing is that you do not give up on yourself, decide today to take things to the next level.

Look at yourself in the mirror and tell yourself “everything I need to make it to the top is in me!”

Create a habit of encouraging yourself and building yourself confidence.

Stay away from people who talk you down and start surrounding yourself with positive and inspiring people.

Continue to invest in yourself.

Let everyday move you closer to your dreams! #Thebestisyettocome!


Photo credits: image by BN Singh

How to Create Opportunities You Desire


There are times in life when a seemingly perfect opportunity presents itself and it is not even perceived as an opportunity until it is long gone. You may have heard people say:   “Once  the right opportunity to present itself and I will return to college or start a business. Should we really wait for opportunities? This may be a coincidence but opportunities seem to present itself to people who are actively doing something not those waiting. To create the opportunities you desire, these two tips are important:

1. Change the way you think: It all starts with your perceptions, think possibilities, see possibilities and you will change what happens around you.

Think about this scenario:

A young man, Shawn, who dropped out of high school seven years ago,  recently got laid off his job. He has no technical skills whatsoever, and has had difficulty getting jobs from time to time. He is frustrated about looking for jobs almost every 8 months but does not know what to do.

Shawn can sit down and think about all the frustrations in his life right now and the ones he endured in the past. He could even take it further by looking for people in his life that could be held responsible for his current predicament. This thought pattern may lead to bitterness and resentment among other things. One thing is certain, this thought pattern will not lead him out of his current predicament.

Alternatively, he can decide to think of the possibility of a bright future, not limited by his past pain or misfortune but shaped by his determination to succeed. Taking responsibility for his life and determined to make a change, he can start engaging in activities that will add value to him.  Taking the right steps out of the problem starts by changing the way he thinks. Thinking more about what can be done with what you have rather than focus on what was done or not done in the past.

2. Change what you say: as simple as this sounds, it is very powerful. Our words create our reality. Instead of speaking defeating words that will dampen your morale, stand up and declare what you desire for your life! These positive declarations will energize you and beyond that shape your future.

What opportunities do you desire? Start creating those opportunities today by changing the way you think about the situation and what you say about it.