FAMILY FINANCE: A LETTER FOR FINANCIAL RECOVERY

Dear Couple, 

Financial Misery is a choice, likewise is financial freedom! i have come to know that family finance can be a worrisome course in the school of marital fulfillment but i have come to know that financial training can be a good tool to delete financial misery. However, I am confident that this few words of wisdom will address the many issues for a glorious turnaround if only you would care to consider and comply. I believe these written words would become indelible prints you can always refer to and be blessed beyond measure. They are as simple as below:                                                  Image

  • Financial misery or reproach is cheap to the man of low understanding about money and personal discipline. It is possible to be diligent and live amongst peasants if you are unwise.
  • To forget to pay your tithe shows how much you love your well of income. When we lose sight of the goose that keeps the golden eggs coming then we are closer to famine!
  • When your expenses supersede your income, your upkeep would be your downfall.  Taking care of basic expenses economically to the proportion of income is a wise way to avoid the tension and trauma of debt. Life is full of phases and each phase is temporal if properly managed but if otherwise the next phase would be crippled. Don’t live an exotic life in a basic economy. Only limited minds get trapped in the Parkinson’s Law. Don’t buy what you don’t need and avoid impressing people (some will never be in your future, so its a woeful investment) rather be consumed with pleasing God!
  • Don’t send your kids to schools that require an overdraft, a child’s brilliance is combination of parental knowledge and guidance, school’s framework and values and Godly counsel.
  • Money can be chains in the hands of a man with lose empathy about the future. Empathy is not foolishness! Closing your eyes to reality in the name of public image will ruin the future.
  • Keeping two homes is expensive especially with one source. When one home requires more resources than the other that finances the whole, there would be drain into debt if there is not necessary caution and understanding. One functional eye will yet have a limited view. Husband and wife must work to earn a financially free future.  Why pay two house rents if there are opportunities to collapse one of the rent values into a profitable business or investment. More so, prepare to leave the rental for your estate. (Whatever you can afford and you need, own and stop buying).
  • A family that stays together plans together and efficiently manages resources that they have an idea of how it is sourced; convincing stakeholders at the other end looks hypocritical on phone hence they may not feel real impact of the financial scarcity experience. If couples are separated by likely permanent jobs, check if the skills are transferable to fetch a similar job and collapse the distance and financial flight.
  • The good news is that the ideology is full time house wife can give birth to financial misery through one source of finance. Apply wisdom to engage yourself without ignoring your responsibilities. Truth is that we are closer to poverty with a windfall and farther from penury in diligence. The wantons and gluttons live in a vicious circle of poverty a Wiseman said.
  • Effective parenting by one spouse is expensive and maybe unachievable; as a husband you spend money that you may not get same value if both couples are together. Why finance regret? More regretfully is that the mold you may get may not be your desire simply because your desire to keep a source of income.
  • A good marriage of couples finance makes everyone accountable and responsible, in some cases will ensure stability and fence divorce. This is achievable with revelational counsel! This is not a robbery ticket for exploitation and laxity of responsibility.
  • When the purse becomes lean by change, it is necessary to hold a stakeholders meeting to explain the necessary change in menu and desires so that the lean resources can keep everyone from misery. Couples must reason together in tough times to forge ahead without losing their romance.
  • If the family forgets to save, it will always remember financial misery and lose the opportunities of the future! Procrastination is enmity with opportunity!

It is always my pleasure to share my thoughts for your valuable future!

Think and grow rich is not just a title but a valuable counsel! Your family is the unit of global prosperity!

 

Your comments are valuable to me! follow on twitter: @juliusafolabi 

 

Yours sincerely,

 Afolabi Julius Olatunde

Senior Business Executive

Blameless Sight Solutions limited. 

MEDIOCRITY: THE UNWANTED TUTOR!

 

Mediocrity is the unwanted tutor celebrated by ignorance and honored by weak minds!

Mediocrity is the unashamed display of ignorance. Ignorance is a terrible agent so much that it would make a sane man dress up as a mediocre. In our society today because we can’t afford the best we empower the mediocre! Attaching emotions to a mediocre is foolishness because competence is a school built backwards. What do I means? Begin with the end in mind! Ignorant people patronize the mediocre because the law is blind as displayed or is compromised because the watchdog cannot bark or lack tooth. How can an illiterate policeman arrest a learned lawyer? How can an ignorant public office holder bring a change? Mediocrity intimidates performance! Mediocrity ridicules civilization, that is why a 50 year old man would sag his trousers to showcase civilization or a mother would publicize the sacred parts of her body or a lawmaker would allow natural nemesis mess him up legally & publicly. When they say adultery kills a mediocre mind would say only the ones that are not smart would die! They say smokers are liable to die young yet a medical doctor would say how many people has it killed? Do you have to be 3 feet under to believe the reality of death or be a corpse to believe a cemetery exists? This is simply mediocre analysis from a mediocre mind pioneered by the destructive agency (Satan and Demonic Spirits). A man is hungry but would prefer to smoke, is that normal?  A married woman, another man mounts you like a machine or a man that sees his wife as expired for that moment mounting another expired woman by his definition of his own wife. Is that normal? THINK!!!

When you appoint a mediocre, expect to fight fires throughout his tenure! Like commonly said it’s not all that glitters that is gold? Are you a mud deceived with worthless gold or a gold cover by mud?

I was once on a board that ran a recruitment interview for a nursery and primary school and each applicant was required to do a 3 minutes teaching practice as part of the interview. A good looking lady showed up speak quince English and walked up to the blackboard to teach us “Shapes” but she gracefully wrote SHARPES on the board, while we looked each other on the panel, we asked what did you say you are teaching us and she confidently said SHAPES in pronunciation. Then I asked “who is responsible for pupils performance in a class” and she said “the teacher first, and also the pupil”. Brilliant isn’t it? Then I asked her, in your last or current school where you teach “what was the challenge of the pupils “and she said “spelling”. I leave you to take your positions and deductions.

Today in the pursuit of self-employment without patient acquisition of required and relevant skill mediocrity has been proliferated! Greed would turn any man to a mediocre! Some schools today to maximize profit or gather multitudes have absorbed mediocrity and made it a foundation for many! A mediocre businessman would create a mediocre business. Many resumes and certificates today are a complete contrast of the personality. As a Christian, do you have an assurance of your salvation or are you just a gospel invertebrate? A mediocre pastor is a greater murderer than a mediocre doctor because the damages of a mediocre doctor can be corrected by a regenerated competent pastor but no competent doctor can repair the damages of a mediocre pastor except God’s mercy! A mediocre mind would create mediocre products! Average is not the best, excellence is preferable! There is a better life than the average life! Step out of mediocrity.

The question is can we depend on what you know? Make your election sure, don’t be a professional invertebrate!Image

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CAUTION FOR A FUTURE! The future is an interesting place but trivializing caution can ruin it!

Caution prevents crisis! The opportunities are at risk without caution! A ruin is just a caution ignored!A future is simply a caution enabled possibility! Excellence is a strategically presented caution! Excellence enthrones but PRIDE dethrones! Pride is the element that has polluted the substance of many people’s excellence! How can you be beautiful as a lady and have no control over your body? Who will be attracted to the personality of a “beautiful dog”! Are you a blind leader?Who will want to be guided by a blind and ignorant man! Marriage is family leadership! Your proof of manhood is your ability to see a great future and be willing to devote your energy to realise and experience that future, if the picture is clear enough and the energy towards realizing it is convincing enough someone will want to share it with you! Listen to me, enterprise is a divine commandment and a civil obligation! Get out of idleness! A hypocrite feels good in filthy things and places to purchase his or her untimely death (Job 36:14). Get out of that cult,leave that group and habit, get out of prostitution,lesbianism,gay, bribery, fornication,that habit of hiding people’s file, adultery,night clubbing, drinking, smoking, witchcraft,robbery and whatever has the ability to ruin your future! Caution is cheap to ignore but the consequences are sorrowful regrets if you are alive to tell the tale! This is not a coax but a caution note for your colorful future! Receive the GRACE POWER in the Jesus name!Image

 “the heart attack of your finance is rooted in your uncontrolled desire & appetite” Julius Afolabi.

Your future is your success!

Nice weekend to you all! 

Your comments can be valuable instructions. follow on twitter: @juliusafolabi 

CREATIVE SELLING!

Today, selling is crucial subject that determine the economic sustenance of business. Product and services will become relics without good salesmanship. Advertising may create awareness and partial sale; it is essentially selling that exchange for cash that keeps business alive and real. Unsold products are mere accumulated inventory which can make you a loss over time. 

Selling is a critical success factor in business hence several approaches have been advance by businesses and salesmen but experience, observation and research has taught me some new dimensions which I would like to share with you.

  1. 1.     Integrity based selling: The truthfulness of the information about your product as it will meet the need of the sales prospect or solve the diagnosed dilemma the salesman has deduced from active listening or provide confirmed and testified benefits to the sales target is what convinces any person to buy. Pushy, selfish and manipulative attitude of salesmen will never make a superstar in sales. Many salesmen just want to make a hard sell without a true and justified motive of truly meeting the need of the sales target.  From my experience as a distributor, the salesman always want to sell, so he comes with various gimmicks not minding the efficacies of what the product market speaks but I am constantly in the know of the product performance better than the salesman so he is unable to sell to me until I am convinced by market dynamics to buy. Sometimes the facts of production are hidden when some varieties are surplus in production and there is a pump from the executives to get such stock varieties sold. They then come up with stories that the variety will soon be out of stock and want to manipulate you to buy. You can see that to me and many others it is cheap to assess and conclude that he is not a reliable salesman. The idea of this manipulative strategy is particularly horrible when the internet has become the village center of the global village, you can proof any claim by the ignorant if you care to validate what a salesman has said. There is what I call “The truth concept”, it is the attitude of having comprehensive knowledge of your product, courteously disseminating information and actively listening to the sales target in other to make a good sell!  Embrace the truth concept and keep selling! Honesty is not just a virtue, it is brand identity! Trust sells you better than the product and you must be bought before a sell can reach your product. Now it goes beyond that because whatever you may be selling next time apart from what you initially sold would receive cheap acceptance and then you are launched into the realm of super salesman stardom.

 

  1. 2.     Emotional Intelligence Selling:  buying and selling is a relational activity, emotional intelligence is a global quality a good salesman must possess. Emotional intelligence is the ability to use your response to control another person’s reaction. Human being function majorly on objective emotions when parting with value, the salesman must understand peoples’ emotions and must be in proper control of his emotions to be able to log in his product properties into the positive side of the sales prospect. This is a technical skill that requires relevant training to develop if you must emerge a superstar salesman. The emotional balance of the salesman can be his critical criteria to be chosen for product purchase because mostly humans want to relate with a mind that can understand their emotions and motivate an objective persuasion to buy! This is the emphatic dimension of salesmanship.

 

  1. 3.     Persistent Communication & Consistent Service Mindset Selling: communication is a very powerful tool if effectively done; communication carries the message the salesman has and deposits it on the minds of the sales prospect. Now there is a miracle in that act, the idea keeps selling even when you are not present. The persistence of communication without serial edition will trap the ability of the sales prospect to buy. Every business has a language and every desire, need, challenge also understand the language that will help them. Effective and persistent communication connects these two points for a sale!

A consistent service mindset is quick to convince and retain a sales prospect. When the prospects have observed the service orientation of your business or salesperson towards sales targets consistently over time, they develop a reliability zone that convinces them to patronize your product or service. This means the business or salesman must get the critical to customer (CTC) right.  Critical to customer means the dependable and measurable standard of service of a product to meet the customers’ needs or standard of benefits that satisfy the specification of the customer.

These three approaches will sure win you a good sell!

Your comment and other selling approaches would be objectively viewed.

Training I have come to know is the skillful enhancement of corporate and business capacities. For your business tutelage and training, feel free to get me a dial on +23480326265555, follow on twitter: @juliusafolabi

PARENTING: THE PROFITABLE INVESTMENT OF MY MOTHER

Some informal education at home can become strategic components of a valuable life but many overlook it to civilization and woeful modern day rudiments.
MY wonderful mother gladly and patiently taught me how to cook. It was like a core course in my informal education. Many laughed us to scorn as I join my mother to pound yam on Sundays. She taught me to back my siblings. She taught me to join a service unit in church, Today I have found joy serving God. Even though I grudgingly learnt these life investment skills, today I have delighted my wife with delicious meals, I have amused my children with wonderful cuisines, A friend caught me in the act but was gladly entertained with soft lofty pounded yam . See why I have no trivial marital crisis that has sunk many.
In my youthful and bachelorhood days this tutelage assisted the management of my finance. Rather than being an eatery specialist I smile to the kitchen. Don’t you think it can be rather awful to find a lady who can’t make a meal but amazingly there are.
She taught me to wake up early in search of business opportunities for her seemingly small trading enterprise; today it has become cheaper for me to be an entrepreneur.
Today, I find no difficulty changing pampers and dippers. It’s cheap to nurse the baby while other necessities engage my wife. These skills have saved me what many cry, lose their sleep, live in malice, hunger with no solution for at no cost because I cared to learn and my mother cared to invest in me even behind my wish. Are mothers of today still like mine? Do you grave your kids with modern day pampering full of woeful regrets? Are you raising big boys or girls with small or no life skills? They maybe little rudiments but they sure prevent ridicule!
One way to give back to the society is to communicate our profitable stories to generate a sustainable return on investment for posterity. Parenting is sure an investment not just marital fulfilment. These are some life technologies we must program in our children!