Financial Wisdom

Every life is driven by something. Motivation and discipline get the credit, but beneath your habits, decisions, relationships, and direction lies something deeper: Your beliefs. A thought is harmless until you adopt it as true. Once you do, it becomes a belief—and beliefs quietly shape the quality and trajectory of your life. Belief Drives Behavior … Continue reading BELIEFS

What does leaving a legacy truly mean to you? For the Rockefellers, it meant designing a system of wealth stewardship so strong it would empower generation after generation. For the Kennedys, it meant embedding service into the family DNA—public leadership was expected, not optional. For the Pharaohs of ancient Egypt, it meant assuming responsibility for … Continue reading Craft Your Legacy

Understanding the hidden psychology behind self-sabotage and reclaiming your path to growth We’ve all been there—setting goals with clarity and conviction, only to find ourselves doing the very things that derail our progress. Whether it’s procrastinating, overspending, or avoiding the hard conversations, self-sabotage feels like a betrayal of our own intentions. But it’s not random. … Continue reading Why We Sabotage What We Want Most

We’ll do just about anything to feel at peace, won’t we? We buy books we never read. We sign up for meditation apps we never open. We hire life coaches who make us repeat affirmations into the mirror like we’re auditioning for a toothpaste commercial. Peace of mind is the ultimate luxury item. And like … Continue reading Peace of Mind

“Take care of the moments, and your destiny will take care of itself.”— Jon ONeil Darren Hardy, in The Compound Effect, reminds us that every action we take today compounds into the results we experience tomorrow. It’s easy to nod in agreement with this truth, yet difficult to fully grasp its power when life feels … Continue reading The Power of the Moment

Have you ever tried to sink a floatie? Go ahead, give it a shove. Dunk it under. Sit on it if you must. No matter what you do, it pops right back up, smug as ever. That’s the power of the right mindset. Life, much like a wild day at the beach, has its share … Continue reading Unsinkable Floatie

Early on the morning of August 29, 2024, I found myself reflecting on a life spent giving, yet suddenly yearning to receive. My wife and I were facing a season of lack—no income, and the bills were piling up. Yet, I’ve been blessed to see significant desires materialize over the years. Instead of withholding what … Continue reading Giving Posture

In a world that often celebrates success in terms of fame, fortune, and accolades, it’s easy to overlook a simple yet profound principle: gratitude. Both Oprah Winfrey and Denzel Washington, two of the most accomplished figures in entertainment, credit much of their success to maintaining an attitude of thankfulness. Oprah, the media mogul who built … Continue reading The Power of Gratitude

In their book Beyond Positive Thinking, Arnold Fox, M.D. and Barry Fox, Ph.D., told a story of a bank president named Jake, who referred to himself as “the acid in my employees’ lives.” He felt it was his duty to make them miserable. In his book, The 10X Rule, Grant Cardone, billionaire investor, speaker and … Continue reading Duty

Trust is the bedrock of any successful marriage, fostering security, intimacy, and resilience. Without trust, even the most passionate love can falter, while with it, couples can overcome the greatest challenges. Take Sarah and John, for example. John’s job required frequent travel, while Sarah managed their finances and household chores. They built a foundation of … Continue reading Trust Me

Yesterday during a virtual seminar, the speaker explained the cost of not learning how to do the technique he was offering. He said, “Think of the financial goal you have for the year. Now imagine that it is costing you the size of that goal annually to not learn what I am teaching.” That is … Continue reading Opportunity Cost

When our bodies have adapted to depend on a substance and we stop using it, we experience withdrawal symptoms. Our being seems to rebel when we decide to step into a new path as the old man or woman protests to leaving what was familiar. But the old person has gotten us to this point … Continue reading Birth Through

My mom is versatile with her hands. During my childhood, she made and sold stuffed toys as well as macrame. Also, she sewed clothing alterations for the family. In addition, she is a boss in the kitchen and her specialty is Caribbean food of course. Because mom exhibited her handiwork in multiple ways, the lives … Continue reading Handiwork

Kodak declared bankruptcy in 2012 because they were not prompt enough to keep up with developing technology, according to David Tristan in On This Date: Kodak declares bankruptcy, 11 years later, posted Jan 19, 2023 / 11:40 AM EST. They were overtaken by rivals like Nikon, Canon, Sony, and Fuji. In her book Mindset, Dr. … Continue reading Picture

Growing up in Trinidad and Tobago my dad was there to groom my siblings and me into contributing members of society. He provided love, presence, guidance, correction, encouragement, and praise as needed. He values education immensely so he sacrificed time, energy, and money to ensure we had the tools needed for school as youngsters. He … Continue reading Happy Father’s Day!

How much are you worth? An expert once said if you were to put a value on a human as compared to a high-tech robot, the price would be eight million dollars! No wonder the value estimate was so high for the “six-million-dollar man”. Are you where you are because you are satisfied, or have … Continue reading Your Worth

Kodak was founded in the late 1880s, became a titan in photography in the 1970s and filed for bankruptcy in 2012. Although Kodak was in the picture business, they did not have the right picture of the future. Analysts surmised that there are three reasons for its downfall. There are lessons from Kodak’s downfall we … Continue reading Picture Change

In Finance and Economics, there are inputs called leading and lagging indicators. Leading indicators occur before the big result or event and lagging indicators occur after. Leading indicators show what is on the horizon and require appropriate inputs to be made up front to get there. Some examples of leading indicators for an entrepreneur would … Continue reading Leading and Lagging

Happy New Year! Imagine it is a year from now and you are reflecting over the past year. What must have happened for it to have been your best year ever? Now, what is one step you can take today to move in that direction? This method of approaching what you do now is taught … Continue reading Progress

In Joshua 6:1-5, God told Joshua to do something that may have seemed silly. He and his army were to walk around the city walls once a day for six days, then seven times on the seventh day. At that time, the walls would fall, and Joshua’s army would be able to storm the city. … Continue reading Jericho Wall

Henry Smith wrote a song entitled, “Give Thanks with a Grateful Heart” that goes, Give thanks with a grateful heart,give thanks to the Holy One;give thanks, because he’s givenJesus Christ, his Son.Give thanks with a grateful heart,give thanks to the Holy One;give thanks, because he’s givenJesus Christ, his Son. And now let the weak say … Continue reading Grateful

Great is Thy Faithfulness Chorus Great is thy faithfulness Great is thy faithfulness Morning by morning new mercies I see All I have needed Thy hand hath provided Great is Thy faithfulness, Lord unto me Tony Robbins is the world’s most preeminent performance coach. Over his thirty plus years in the field he worked with … Continue reading Grateful

When you understand your rich history, you can better appreciate your fertile future. I am from Trinidad and Tobago. Back in 1498 Christopher Columbus found Trinidad and Tobago on his third voyage. Although the Spanish controlled Trinidad until 1797, French colonists settled it. The British, French, Dutch and Courlanders owned Tobago. But eventually it ended … Continue reading Fertile Future

A typical American spends 34% of their income in interest and 40% in taxes. This leaves about 23% for lifestyle and just 3% for savings. There is a program which can assist you with reducing your interest and taxes. This results in an increase in lifestyle and savings, to for example, 33% and 15% respectively. … Continue reading Celebrate!

In the movie Ground Hog Day, Bill Murray was reliving the same day repeatedly. It became a routine, even though he did not like it, and it was not good for him. Is it not interesting the things we allow to become a routine in our lives? For example, returning to behaviors which cause us … Continue reading Routine

According to Investopedia.com whereas a leading indicator is something measurable that “predicts a change or movement,” of a particular event, a lagging indicator is something measurable that “changes sometime after” the event. “Lagging indicators confirm trends and changes in trends.” Joel Osteen is a prominent minster located in Houston, TX, and has a television ministry. … Continue reading Lagging Indicator

In Daniel 6, the story is told of a young man who was to be promoted by the king from one of three commissioners reporting directly to the king, to overseeing the entire kingdom. However, the other commissioners and their subordinates plotted to discredit him but came up empty. The haters tricked the king into … Continue reading Through

The Lord is my shepherd, I will not be in need. 2 He lets me lie down in green pastures; He leads me beside quiet waters. 3 He restores my soul; He guides me in the paths of righteousness For the sake of His name. Psalm 23:1-3 Imagine you are on the bank of a … Continue reading Domino

During the Great Depression, James Braddock worked as a day laborer to feed his family.  His boxing license was revoked and he needed to feed his family which included three young children.  The path seemed hopeless and with not enough money to keep the lights on during the winter, sending his children to relatives for … Continue reading For Milk

In January 2008, I was blessed with a large amount of money.  But shortly thereafter, I no longer had a job.  My wife and I were living in Los Angeles where the cost of living is very high.  I thought of relocating us but did not until a year and a half later.  A few … Continue reading It is Not too Late

On the morning of March 30, 2013, I emailed the internet company to say cancel my subscription.  I’d been paying monthly since September 2012 and even spent money to market with no results.  My wife expressed concern for this reoccurring charge that was not producing any results by asking how long I was going to … Continue reading The Crossroad