Categories
Career and Money Words of Wisdom

5 Things to Remember When Reaching for Your Dream

5 Things to Remember When Reaching for Your Dream

  1. If The Work Seems At First Impossible

5 things to remember when reaching for your dreams“Every noble work is at first impossible.” – Thomas Carlyle

Not every dream or calling we’re going to have is something that has ever been done before.  We may receive a calling where only a few have ever dared to venture.  But if we are certain of our purpose, must we turn back because of our fears?

Note that the impossibility in this perspective comes more from the outside than from within.  Deep within, you KNOW that you can accomplish your calling. You may even already have a clear idea HOW you’re going to accomplish it.  But then you hear all the many voices around you, voices that seem to say you CAN’T!

Come by a quiet place for a while.  Lock yourself up in a quiet room, and there before God’s Presence, be still.  Listen only to His voice, and then see what the response of your heart will be.  You might well hear your own heart excitedly saying YES!

Look at the world around you.  It may seem like an immovable, implacable place.  It is not.  With the slightest push – in just the right place – it can be tipped. – Malcolm Gladwell, The Tipping Point

2.  The Value of Time and of Small Efforts

When transitioning, it is important to realistically assess one’s timeframe towards achieving our goals.  We should have set deadlines for ourselves so as not to continuously put off what needs to be done.  More importantly, we should never underestimate the value of time and what we can do today.  What can we do today?

We often think that for all that we want to get done, we have but very little time to fit it all with the limited time we have.  But this thinking doesn’t help us in any way.  It only overwhelms us, freezing our efforts and sooner or later stops us from doing anything of value with the time we do have.

The truth is that we can do a lot today, not A LOT in terms of thinking about EVERYTHING we need to do, but A LOT in such a way that we can SPREAD all the things we need to do through the timeframe that we do have.

For instance, we may do only so much TODAY, but if we do valuable things today and with every succeeding day, we can do A LOT through a timeframe of TWO YEARS!  That’s 730 days! Imagine if we only spend one hour a day in doing valuable things that contribute to our goals, then we’d have already spent 730 hours by that time.  Start little by little, brick by brick, hour by valuable hour and your little efforts will yield BIG results in due time.

3.  The Persistent Voice of Calling

One of the usual signs of a true calling is its PERSISTENCE. It’s like there is a persistent voice that cannot rest until you listen to it, until you heed it.  It’s that DREAM you’ve had ever since and never seems to vanish no matter how much you try to bury it.

Hence, to most of us, it no longer seemed real, it had just been our SECRET DREAM, that dream we rarely reveal to others for fear of being ridiculed or joked at.

Even then, it doesn’t vanish.  And in times when life seem empty and meaningless, it calls us again, whispering clues as to which doors remain open for us to go to.

When Mother Teresa was called to serve the poorest of the poor, her spiritual advisor urged her to forget about it.  She tried, but she couldn’t ignore the noble task God has planned for her all along.

4.  Providence Will Come!

seekfirst

“Let us more and more insist on raising funds of love, of kindness, of understanding, of peace. Money will come if we seek first the Kingdom of God – the rest will be given.”
-Mother Teresa

Providence comes just at the RIGHT TIME we needed it, not before, and certainly not too late!

When we’re just starting out with our calling, we may fear we’d lack the resources we need in order to accomplish it.    It’s but natural and prudent to think of provisions, but it requires faith to take the first step out of our comfort zones!  How much prudence indeed is necessary?  How much money do we need in order to accomplish our goals?  To some people, it never becomes sufficient.

Wisdom and faith should both play a part in our discernment and actions.  It isn’t enough to be wise, yet many times, it also isn’t enough merely to leap forward without thinking about our plans.

There are times when we do need to step back and wait until we have enough resources.  But there are times when we have to move on and allow God to also work his miracles in our lives.

Mother Teresa didn’t wait to be a millionaire in order to help the poor.  She carried out her mission by helping one person at a time.  Along the way, help arrived.  People came to reach out in service.  Philantrophists gave out generous sums and helped her raise millions to help the poor all over the world!

 

“My daughter, I assure you of a permanent income on which you will live.  Your duty will be to trust completely in my goodness, and my duty will be to give you all you need.  I am making Myself dependent upon your trust:  if your trust is great, then My generosity will be without limit.” – (Jesus to Sister Faustina, Diary of Divine Mercy)

5.  You Can Always Begin Somewhere

We can’t wait for everything to be perfect before we proceed with our dreams.  We have to begin somewhere, and we CAN!

When we’re really able to seek our true passion, we’d be able to find a channel for expressing it right where we are.  We don’t have to wait until we’re the executive of a big company, or when we become a chef of a big hotel, or a famous singer or celebrity.  We can express our passion NOW.

If you have a passion for singing, you can sing right now right where you are.  You can inspire the people around you.  You can lift your voice to God as though in prayer, offering your most sacred work, your passion.

If you have a passion for writing, you can write right now.  You can contribute a poem to your school or company paper.  You can even blog about it over the internet.  There are countless social media sites you could use in order to reach people.

We wait longer than is necessary.  Along the way, our souls become empty, they die slowly, until the flames of passion vanish from our hearts.  Why allow your soul to die? Begin today, live today, this is the only time we are certain to possess.

“Whatever you do, or dream you can, begin it. Boldness has genius and power and magic in it.” -Goethe

Categories
accounting for non-accountants Career and Money

Discover in 3 Steps – Is Your Business Really Earning?

Easiest Accounting for Non-Accountants

Are you managing a small business of your own and have no accounting background? Have you attended various seminars on accounting for non-accountants but still have no idea what they’re talking about? How will you know if your business is earning or not? Even if you see cash coming in, it doesn’t mean you’re really earning and that you can sustain the growth of your business.

If you have ventured on a small business of your own, then these 3 easy steps to know if your business is earning is definitely for you. By small business, I mean that aside from being its President and CEO, you are also the Vice President, the secretary, the salesman, the accountant, the security officer and even its janitor!

If you have this kind of business, you’ve probably experienced how hard it is to both handle the operations of the business and perform the back-room and monitoring activities at the same time.

Some people are able to pull it off, either by sheer luck or by a good combination of intuition and natural business skills. But many also fail because they are unable to see the true status of their business and thereby gear their efforts based from there.

How do you know if your business is really earning without hiring an expensive accounting service at the start of your business? Following is a simple way to determine whether you are incurring profits or true net losses.

1.  Make a total of your earnings for the period.

As an example, add up all your earnings for the last 6 months. By earnings, I mean the money you received from sales or from the services you rendered, such as performing landscape services. We will call this TOTAL A.

2.  Make a total of your cash outflows for the same period.

We will call this TOTAL B. Care should however be taken in this step because it is often here where people fail to include many items they are not aware of as having an impact in their business. Include the following:

Fixed monthly expenses e.g. salary to a personal assistant, monthly rent, internet and phone bills, utilities such as water and electricity consumption. (These are more or less fixed in nature since they are to be incurred from month to month at a rather regular basis)

Cost of goods or services sold. When you sell decorated lamps for instance, the cost of your goods sold is the combined cost of the materials used in order to build the lamp. This includes the lamp stand, the shade, the bulb, even the plug! It also includes any labor expenses incurred in designing or assembling the lamp.

If on the other hand, you’re not into selling products but services, like interior design services, the cost of your services is the fee you pay for yourself in exchange for the work you performed.

Note that this is different from the salary of assistants first mentioned above. Note also that the fee you receive from the work you performed is not the same as the revenue you made from your business.

Consider this. A business is not a job. When you have a job, you don’t spend anything for the business of your boss. You don’t pay for your office electricity. And you certainly don’t pay for his secretary’s salary!

But when you have a business, even if you’re the one performing the main work at the start, you take care also of all the costs of your business.

Also, if you wished to, you could have just assigned that work to someone else who’ll be working for you. If this happens, what money will you receive from your business then?

Proportionate expense for your furniture, fixtures, equipment and other big and costly assets that you acquired. Why proportionate? Because assets like these that you buy at the start of your business are not likely to be bought again the week or month after they’ve been bought. They are usually used for many years, hence compute only the relevant proportionate amount for the period (say 6 months to be consistent). How do you compute this?

Total Cost of Asset x    Period Used (in years) = Expense

Useful Life (in years)

Example:

$ 5,000 x 0.5 years= $ 500

5 years

3.  Finally, deduct Total B from Total A.

Total A – Total B = Profit (Loss)

If it’s a positive figure, CONGRATULATIONS! Your business seems to be doing well and earning. If on the other hand, it results in a negative figure, don’t worry. It doesn’t necessarily mean that you should give up. But you can assess your situation from there and make wiser decisions based on your current business position. Good luck! I wish for you the best.

Categories
Career and Money

Secrets of the Rich

secrets of the rich

When we realize the lives of the people who rose from rags to riches, people who have become wealthy, we often realize that there is really no secret or magic formula that made them rich.  In fact, they keep on saying the same things, making us wonder how it could all be that simple.  And if it is, why do so many of us still fail to be where they are.

Hence, instead of presenting the things they often say, maybe it’s better to present the opposite things that hinder people from applying the secrets of the rich:

1.  Fear

Many people don’t even try for fear of failing.  They do not wish to walk unfamiliar grounds and content themselves with their lot instead.

2.  Lack of Knowledge

Many people do not possess the needed knowledge in order to succeed at what they’re doing.  Setting up a business?  Investing?  How do you go about it all?  To our surprise, those who made it big points out that the knowledge we need is already there, around us, ready for the picking.  We just have to seek it from the people and from the resources that possess such knowledge we can use to succeed.

3.  Lack of Persistence

Some people, they are able to gain the knowledge they need.  They are also able to overcome their fears.  But what hinders them from attaining their dreams is the lack of persistence and consistency in their actions.  Rich people do the opposite, they don’t stop until they get what they desire.

4.  Not Making Enough Mistakes

That’s right.  Our mistake is not making enough mistakes to learn and grow from them.  Unlike those who made it, we want to create a perfect plan before we even dare to move one tiny step.  Remember that sometimes, being too safe is really not being safe at all.  When you try not to risk anything, you are really risking the opportunities in discovering valuable lessons from experience and in being strengthened by getting up from your falls.

5.  Lack of Hope

It is not the lack of good purposes that hinder us from being rich.  Everybody has a good purpose, a noble goal with which to dedicate his efforts to.  But what really separates the winners from the quitters is this simple word.  HOPE.  People don’t give up because they lack a good motive to strive for.  People give up because they can’t see the possibility of making their aspirations happen.

Don’t lose hope 🙂  Everything is there, already placed by heaven in roads and small paths around you.  You just need to take the first step and to believe that you can reach your desires.  These are the true secrets of the rich.  They first had heavenly riches which nobody can ever take away.

Categories
Career and Money Free

FREE Office Software for Download!

Did you know that you no longer have to pay $278 (13,400 in pesos) for buying your computer’s operating system as well as for the additional office softwares for wordprocessing, spreadsheets, presentation and database?  I’ve currently surfed for the prices for Microsoft Windows Vista and for Microsoft Office Home Edition and the total price was definitely more than what I paid for my new super handy Blue laptop!  I’m not saying that they are not good products, I’ve used them at the Office for quite some time now.  What I’m saying is that we have an alternative considering the hard economic times ahead.  You CAN SAVE MONEY.

At first I was really hesitant to try out new products.  What if it doesn’t work?  What if it costs me more in the end?  But a software that’s worth higher than my cutesy little laptop is just too much for me.  So I tried out something different.  I’ve learned that there are free open source softwares available in the internet right now, as in absolutely free that you can use right after your download.

1.  Open Office

Instead of using Microsoft Office, you can use the FREE Open Office software.  I was a bit afraid of this at first, but I’ve tried using their equivalent of WORD and EXCEL, and I’m quite satisfied.  I’m even happy with a feature of their WRITER (equivalent of Word) that enables you to quickly convert a document into a PDF copy at a click of an icon.  Just how cools is that?  🙂

Here are their equivalent softwares:

Microsoft Word – Open Office Writer

Microsoft Excel – Open Office Calc

Microsoft Powerpoint – Open Office Impress

If you’re still doubting its ease of use, I assure you that you may not even notice you’re using a different software.  Here’s a snapshot of how it looks like.

If you want to try it, here is the DOWNLOAD LINK.

By the way, even if you’re already using the Open Office Writer, you can still save your document as Microsoft Word! So you can still open your saved document on computers that refuse to save money, haha.

2.  Linux

If you are looking for an alternative to Microsoft Vista, you can try UBUNTU,  a linux-based operating system that works much like what Windows will do for you.  And yeah I know, the word UBUNTU is kinda weird 🙂  But it has a cool meaning you know?  UBUNTU means ‘humanity to others’.  Nice huh!  I’ve even signed up for their free CD and they mailed two CDs to me, free of charge.  One for me and one for a friend.  But you can download the software without waiting for your CD.  Here is the DOWNLOAD LINK.

Oh, and by the way, I will not be receiving commissions for promoting these products.  After all, aren’t they FREE!  🙂

Categories
Career and Money

Be a Million Dollar Millionaire in 17 Years

Do you know that you could be a million dollar millionaire in 17 years if you could just save $10 a day?  I’ve found this cool gadget called the million dollar calculator which lets you compute how long you can be a millionaire given the rate at which you could earn e.g. 20% , and the amount of money you could save for a day.  For a personal example, I tried to input a realistic amount of money I could save per day, which is $1  🙂  Yep, that’s the current amount I’m earning at google adsense so no need to worry of not being able to put that in.  For the rate of earning, I put in 20%.  And whadayaknow, I’d be a million dollar millionaire by 2040!  🙂  That’s just about 30 years from now.  No need to wait for my pension, huh?!  Try it yourself.  Maybe your dream of becoming a real life millionaire wouldn’t be so unrealistic after all!  CLICK HERE