What’s next?

23 05 2016

pace - Lincoln quote

My new life has been in the re-making for a while now and I just managed to accomplish another goal on my list,  I  am College Graduate. May 20th marked that unforgettable moment in  which I knew that anything I could put my mind to, I can accomplish. It is just a matter of clarity on the goal, trace the route and work hard until I make it to the goal. There were moments in which I did not know if I could go on but thanks to my professors who offered assistance and at times encouraged me to push a bit harder that I was able to make it through.

As I arrived to the Convention Center where the ceremony took place, millions thoughts went through my mind. I’ve been there before, for my daughter’s High School Graduation and I could not imagine her feelings at that time but for me it was something I longed for such a long time. I went to college in the past but I never finished. My role of wife and mother was way more important to me at the time. I don’t regret it one bit, but at this time of my life in which I am rebuilding it just the way I want it. It was important to me to attain this goal. The decision to do this came easy to me, the determination and the hard work that I had to put into it came later. It was amazing all the things that happened those two years as I simultaneously worked and studied.  During my Sophomore year I got into a car accident, that event changed everything; for one I could not sit for more than one hour without being in pain. I was unable to work for two months, was prescribed physical therapy, Meds and eventually had surgery. My GPA suffered because of it, there were times in which I could not even think straight dealing with the pain and my body working against me but I pushed through. There were times away from family and friends, beautiful beach days locked up in my place studying for a test or working on a presentation or project. I am sure all of you who have a college education have lived this, but for me it was the first and I had no idea how hard it would be and the kind of determination one must have in order to get to the goal. Perhaps doing it while one is young, single, no kids and no job is easier. For those who sole commitment is study without many other preoccupations will help them stay focused on the goal and get there faster. Thank God I crossed the finish line even though I would of want to make it a Bachelor’s degree instead but at this point in my life it would be foolish to get into such a huge financial debt.

Today I am in new phase as I contemplate my future once more and the new goals I will set for myself. I wonder what would make my life better and my heart content. At times my mind goes in circles but then I reflected in one question; If money was not necessary, what would I do? I did not come to me right away but after sleeping on it here I am, writing. There are many things I would like to communicate and inspire others, especially women. There is an urgency on the message I want to convey. Life can change in a split second and my dreams can’t be left for later. I know I have a mission in life and I haven’t begun to spread my wings yet, all of this is mere preparation for the platform I am about to step on. My experience and education will be the credentials I will need to talk to others and be heard.

As I contemplate the possibilities of my future I see myself inspiring, uplifting and empowering others. The world is going through so many changes physically, financially, and resource wise. There is a great need to attune my goals to the current situation and teach others to do the same otherwise I won’t be able to thrive. As I prepare the program that will help analyze and develop this new way of working in the new economy my intention is to help as many people as I can to see this vision.  It is necessary to become more creative and most of all to be able to identify good opportunities that come our way. Entrepreneurship will flourish because there is a huge uncertainty these days in jobs, unemployment and low wages and even though I realize the biggest segment will be employees, I truly believe the entrepreneur segment is about to increase tremendously. I want to be part of this growing entrepreneur segment as I grow my own business and help others explore the possibilities to  have a business of their own as well. It is a new experience, a new way to look at the world around me; to identify opportunities, to guide and advice those who have unused or not fully developed talents they can utilize in order to succeed.

I welcome you in my journey and would love to know your thoughts about it.

What do you believe is happening and what changes need to be made in order to partake of success? We only live once and each and every one of us have a mission. Are you fulfilling that mission? Do you even know what your mission is?

It is time to shut down the auto-pilot and get a hold of the direction of our lives.





Crashing

4 10 2009

1046827_tidal_power

Have you seen the tides in action? It looks like a gigantic washer that moves in all different directions at the same time. Dangerous, powerful, capable to change the landscape where it lands. It is the same that happens to us in life when we encounter unexpected situations after navigating in tranquil waters for a very long time. Weather is unpredictable and so is our life, that is why we should be prepared and not blindsided that all is rosy and perfect on this earth. I am always amazed to see how we manage situations that throw us out of balance; some of us manage to remain, others fall and get up, and others fall and never get up again.

In this fast changing world, especially after this horrible recession, that seems to cut deeper and deeper into people’s life and well being I can see a glim of hope. Anything is bearable with love because it helps us to see the good and it gives us hope when we have those we love around to support us. We can quickly see who is a true friend and who is just with us when we are on the top to have some fun.

How hard is it to recreate ourselves? As long as we continue to fight our instinct it will be almost impossible to recreate and to find the way out to many of our life ordeals. Today I heard about a friend who in desperation to generate income followed her instinct and in a few short weeks found herself in a very new terrain, full of excitement and support. The one who felt lost just a few weeks ago is now trying to catch up with all the massive action she should take in order to make her dream come true, because by taking action a lot of doors opened at once!

It is hard to stay focused when all the crashing, moving and changing is going around us but we must try our hardest to do so. Keep in mind the ideal and not the path because at this point the logical path will have nothing to do with the one you should take. I believe that at this point in time many new paths will present itself and we will have to make the decision to take one even if we have no idea what to expect. This is a big shifting time in history where new orders are establishing themselves and we can’t resist to it or we won’t survive. Open up your mind and senses and most of all utilize your talents to move forward. I will tell you right now that it won’t be easy, but it will be worth it!!





Warning: They Are Stealing From You

27 03 2009

1066491_money_grabber

Today I just had enough.

Money doesn’t come easy these days but it seems it is very easy to lose the little that we have.The companies we deal with are doing very little to help the consumer and if we are not watchful they plain steal from us.

I always try to teach my kids how to handle their finances and help them become independent but yesterday we had a big lesson taught to my daughter and me, DON’T TRUST FINANCIAL INSTITUTIONS. I will not mention the bank I dealt with but I would say that we have been with this bank for over 20 years, in the past they have worked with me and did their best to keep me as a customer, not so this week.

I took my daughter to open her first checking/savings account with this bank couple of weeks ago and in the past it has always been a pleasant experience. They usually explain everything, work with the new client and even offered a bonus for referring the account to them. Okay, they were courteous and tried to explain everything but there are things you need to read for yourself. They said the account was free for students (false). There is a charge for a lot of things and her being new at this and not taking the time to read everything in detail missed some vital information. It has happened to all of my kids, they make mistakes, they get charged and then the officials credit them in good faith because they know how it is. It is not an habitual thing, once they knew what could happen they never done it again and we are always in that bank. All our accounts are there: checking, savings, business, credit card, investments, everything.

Anyway, my point is this. She could not get online for a few days for some reason. And she overdrew on her account 5 times and resulted in a whooping $135 in charges. They usually give you couple of days to cover the charges and don’t add the fee but in this case they did not. There was no way they will take out anything but $35, she lost $100, awesome! You know how long it took her to build that money? And her impression? Banks are thieves, my thoughts also.

Well, there are plenty of banks trying to get new customers and I will close all my accounts with this bank and go somewhere else. I need to be watchful of how they do things and how my money is handled. But let me tell you the same is going on with credit card companies as well. In these difficult times when people can hardly pay the minimum amount on their accounts they triple their interest rates, so how in the world are they going to get ahead if their accounts is next to impossible to pay off??? It is all about them and not the consumer. I am seriously considering going back to the times when nothing was bought on credit and people kept their money under the mattress, it will be safer that way. They only thing will be to give up the convenience to pay my accounts online and not having to get money orders to pay my bills. All I know is that I am losing more money than I can afford at this time and it is my responsibility to manage my money in the best manner possible.

On the same token I received a call from a collection agency trying to contact my son, the Marine. There is an account he needs to pay and I come to find out through him that it might be a cable company he asked to have disconnected before he was deployed. At the time his roommate wanted to keep the connection for another month so they asked to have the account transferred to his friend’s name. They said they would but then they said they needed to call him in order to confirm the change (0f course, to delay the process), hello!! He is on the phone line with you right now making the request why can’t you confirm it right that moment? By the time they called he was already gone (0f course, what they wanted), the transfer never made, the service continued, his friend is gone now also to Afghanistan, they are serving this country, for Heaven sake write off the freaking charges instead of having a collection damaging his credit. My son said he heard the same happening to other Marines. He has an excellent credit rating, so far he managed to build it up to nearly perfect and now this. It is ridiculous!!

Every company is out there trying to pull a month here, a charge there, interest rates, not processing cancellations, whatever they can to steal money from us!!! I am outraged! A well known internet provider used to do the same by offering a free month of connection and letting cancel the service at no charge but you would call to cancel and they would never process the request on time and you would always got charged for at least one month. That’s stealing!!!!! Now a see a free month ANYTHING and run as fast as I can from it.

What are you doing with your money? How are you protecting yourself?