Are You Ready To Give Birth Yet?

9 months and the year is due to deliver…are you ready to give birth?

Yoma Victor - Nothing Just Happens!

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It is the first working day of the week, and the last day in the month of September, it has been an eventful year for me; there have been loads of down, there have been ups too; there have been promises made and those broken; i have learnt a lot, and taught others a lot; i have given voice to many dreams and shied away from others; i have fallen in love and fallen out of love; i have rejoiced with some and cried with others; i have made money and lost money too; so much has happened in life, love, business, etc but it has all made me a better person. If you haven’t been involved in much, you would probably say the year just went by without you knowing; for some, the year traveled too fast.

My thoughts are roving around the fact that we are in the…

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What is Living?

September Fishing
September Fishing (Photo credit: RobW_)

I have being out on a business trip and thus have being out on this platform. The month of September has come to a close. This is also the end of the third quarter of 2013 and gradually the year closes. I read through the timeline of my mentor on twitter (@deoluakinyemi) today and was moved to action by his tweets. I felt sharing it would make an impact. Don’t forget to drop a comment and have a great month of October.

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Tweets

As we advance in years our life reserves get reduced and we embark on the process of dying. #WhatIsLiving

Living is dying; like d pages of a book, as d left piles up, d right diminishes until we hit d back cover & turn d book over.. #WhatIsLiving

It is however interesting that in order then to live life fully; one must embrace the possibility of death. #WhatIsLiving

Full life is impeded by the fear of dying. #WhatIsLiving

The pages drag slowly, the moments lack zest, when we refuse to plunge or dive because we are afraid! #WhatIsLiving

We have only one shot at life, yes, it’s going to end with death anyway, so why not live it fully with no regrets? #WhatIsLiving

“People living deeply have no fear of death” – Anais Nin #WhatIsLiving

Why not enjoy d journey since destination is sure? Why not with passion, excitement and fulfillment? #WhatIsLiving

I shudder at the statistics of people who really live deeply? Only a few percentage of people ever live beyond ordinary lives. #WhatIsLiving

Many of us unconsciously live with the template of Solomon Grundi, our lives follow a predictable sequence. #WhatIsLiving

For many, their key motivation is not more life, but the fear of not losing the one that we have. #WhatIsLiving

Many people wake up early every morning and engage in a race to work and back. #WhatIsLiving

We race to work not bcos of passion, love or excitement, but just to put food on the table, & we think we must do it this way #WhatIsLiving

Many ‘hope’ dat 1 day they’ll suddenly hav a rush of courage & live their dreams; give up who we are for wat we are capable of #WhatIsLiving

For many, one day, one day comes one day late, and then you are late and its too late. #WhatIsLiving

Yank off your life from the slow road guarded by fear, move into the lane where life is rich and adventurous. #WhatIsLiving

It’s not a road void of challenges, nay, but it’s exciting and full of stories. #WhatIsLiving

Living life more fully is empowering & capable of making you a guiding light for thousands or millions of prisoners of fear. #WhatIsLiving

When was the last time you broke your routine and did things in the spirit of love? #WhatIsLiving

I’ve sometimes wondered why the two greatest commands in the bible have to do with love – loving God & loving one’s neighbors.  #WhatIsLiving

Love is d significant essence of our lives. We are made to love, we act with our deepest passion & boldness when there is love #WhatIsLiving

Love! Not selectively, love deeply, cares, show affection, build lasting and worthwhile relationships. #WhatIsLiving

Let your love for others be bound by your love for God. We were created 4 God’s pleasure & he’s pleased when we replicate His love #WhatIsLiving

When did you last show love? When next are you going to act out of love? When? When will you love the unlovable? When? #WhatIsLiving

When? When will you do what is motivated by another’s benefit and not yours? When? #WhatIsLiving

“Some of the world’s greatest feats were accomplished by people not smart enough to know they were impossible.”- Doug Larson. #WhatIsLiving

If you say more yes than no, you’ll leave a life of bigger possibilities. U’ll achieve more, have more fun & live more fully. #WhatIsLiving

say yes to people that need help, say yes to opportunities, say yes to adventure, say yes to more life, say yes to your dreams. #WhatIsLiving

Say yes more often, than No! If it doesn’t go against God’s principles, the answer is yes! #WhatIsLiving

I discovered ive been saying lots of yes in my life. Ive said more yes than no & it makes life interesting and unpredictable! #WhatIsLiving

It’s so amazing how we submit ourselves to a sheltered experience in life. #WhatIsLiving

We want to be safe, so we put our lives in a safe deposit box, lock ourselves out of opportunities… #WhatIsLiving

Life is a daring adventure or nothing at all. #WhatIsLiving

It is only those who dare to fail greatly that can achieve greatly, you are not likely to go further than you dare!  #WhatIsLiving

You are not likely to discover new islands until you are willing to lose sight of old shores. #WhatIsLiving

There is a roman proverb that says that it’s better to live one day as a lion than a thousand days as lambs. #WhatIsLiving

It’s not the quantity of life that counts it’s the quality of life. #WhatIsLiving

Enoch’s short life of adventure is worth the record lifespan of many Methuselahs. #WhatIsLiving

Living without courage is like stew without salt, I’ll rather a small serving of tasty stew than a whole pot of salt-less soup #WhatIsLiving

Is your life an adventure, or are you bored? Dare! #WhatIsLiving

“Only when we are no longer afraid do we begin to live” – Dorothy Thompson #WhatIsLiving

There different species of fear, the fear of failure, the fear of death, the fear of criticism e.t.c. #WhatIsLiving

Fear is one of the strongest forces on earth. Folklore even says that fear beats death in it’s own corridor, #WhatIsLiving

Fear is likely to kill more people than death should they happen upon the same scene. #WhatIsLiving

Fear is to Faith, what Friction is to Force, our progress is hindered mostly by our doubts and fears. #WhatIsLiving

Progress hence, is the art of mastering fear, confronting fear and acting in spite of fear. #WhatIsLiving

Fear not! – this phrase appears in the Bible 366 times, that’s one for everyday and an extra one for the leap year. #WhatIsLiving

Fear is a scarecrow on the farmland of life, designed to chase away the timid souls from the fresh corn a few inches below. #WhatIsLiving

In no day must we live in fear! Like Mark Twain said, courage is not the lack of fear, it’s acting in spite of fear. #WhatIsLiving

It’s okay for you to become afraid from time to time, but never let your actions be determined by the feelings of fear. #WhatIsLiving

“The greatest barrier to success is the fear of failure.”- Sven Goran Eriksson #WhatIsLiving

A book about the greatest Network Marketing Achievers I read had someone saying “focus on the activities, not the results”. #WhatIsLiving

It was an IBM CEO who said that in order to double his success rate; he had learnt to double his failure rate. #WhatIsLiving

Get the activity right, the result will ultimately measure up. If you are prepared to fail often enough you will succeed often enough. #WhatIsLiving

Don’t follow the paths that exist, create a new path and leave a trail. #WhatIsLiving

Failing is not d same thing as becoming a failure. Failing becomes failure if failing is a destination rather than a bus stop. #WhatIsLiving

If you really want to succeed you must be ready to fail a lot more! #WhatIsLiving

I proudly tell people today that I have sold bread, sold eggs, sold akara [that’s beans ball], done transport business, barbed hair, e.t.c. #WhatIsLiving

Are you failing enough? Or is your life filled with successes because you are not attempting much? #WhatIsLiving

It matters that I am not numbered with timid souls who know neither success nor failure because they were to afraid to fail. #WhatIsLiving

Don’t live a boring life, venture, lose some money, get some history – but don’t sin. I’m sounding like Ecclesiastes. #WhatIsLiving

“Courage is going from failure to failure without losing enthusiasm” – Winston Churchill #WhatIsLiving

Living is Dying. Let’s live life fully. Let’s take everyday as it comes, and maximize the 6 inches in front of our face.  #WhatIsLiving

Let’s live as we would have wanted to have lived when we are about to die. Let’s live with the end picture in mind. #WhatIsLiving

Like Julius Caesar said, don’t live like a coward and die many times before your death, live with courage and die just once! #WhatIsLiving

“Death is not the greatest loss in life. The greatest loss is what dies inside us while we live.”- Norman Cousins #WhatIsLiving

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culled from http://www.twitter.com/deoluakinyemi

Taking decisions on spending, borrowing

Careless "Borrowing" is Sabotage - N...
Careless “Borrowing” is Sabotage – NARA – 514033 (Photo credit: Wikipedia)

I trust you had a wonderful weekend. Let’s kick start this week with the right decisions especially spending and borrowing decisions. Don’t forget to drop your comments.

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A professor recently conducted a research to determine how nature and nurture impact spending and borrowing habits. SIMON EJEMBI writes on the outcome of the study

Many people have struggled to develop satisfactory financial habits over the years. For some, the efforts have been rewarding; for others, they have been in vain. Some have concluded that there is nothing they can do to successfully develop healthy financial habits. “It’s just the way I am; it is natural,” some of them may say.

Could it be that financial habits are genetically transferred?

It’s complicated

A study by Dr. Hersh Shefrin, Chair in the Department of Finance at Santa Clara University’s Leavey School of Business tries to answer the question.

In the executive summary of the study entitled, ‘Born to spend? How nature and nurture impact spending and borrowing habits, Shefrin says, “Many people have poor spending and borrowing habits, but what is the reason? Is it because they are genetically predisposed to make bad financial decisions or is it because they have poor financial literacy due to ineffective education? It is the classic“nature vs. nurture” question and, unsurprisingly, the answer is “it’s complicated.”

According to him, understanding what drives our financial behavior is important because strong financial literacy and good spending and borrowing habits are closely linked.

Nature’s impact

The study, which was published in April, 2013, concludes that when it comes to spending and borrowing, there is a wide spectrum of behavior.

“Some people are born with traits that lead them to make good decisions but many others are not,” it says.

It, however, explains that while an individual’s genes play a role in financial decision-making, nurture and education play a significant role as well, meaning that there are opportunities to teach people better financial habits.

How people make financial decisions

For people to make better financial choices through smart nurturing and education, it is important for them to understand how they make financial decision and the impact of nature.

According to the study, most decisions, including decisions about spending and borrowing, feature a combination of one’s habitual instincts known as fast thinking, and one’s purposeful and strategic thought processes utilized to override habits known as slow thinking.

It adds that as with other habits, like smoking or overeating, it is difficult to overcome one’s fast thinking instincts, because the brains are hard-wired to resist the acceptance of immediate pain and the delay of gratification.

It says, “The way our brains make decisions can be equated to a human rider atop an elephant. The elephant represents our habitual, fast thinking processes – things like walking, breathing, brushing our teeth, taking care of simple chores. The elephant is strong yet difficult to control.

“The rider on the other hand represents our ‘strategic’ processes – activities like planning, list making, and other deliberate efforts to overcome our instincts. Often, people try to guide their behaviour relying on rules of the thumb, known as heuristics.

“However, our own biases lead to misjudgments often and put us on the wrong paths. The question we all wish to answer is: How do we overcome natural instincts and our habits to successfully equip our riders with skills to point their elephants in the right direction?”

Overcoming limitations

Shefrin notes in the study that while financial literacy is important for making sound financial decisions, studies have shown that traditional financial education has largely been ineffective in increasing the degree of financial literacy.

“Unfortunately, the existing efforts to promote sound financial decision-making, while well-intentioned, have not kept pace with what psychologists, economists and others have learned about how the human mind works,” he stresses.

According to the study, in order to make real progress, people need to harness innovations that can make it possible for them to overcome poor spending and borrowing habits. It explains that smart nurturing programmes, new technologies, and new educational techniques, such as using educational gaming software, are all underutilized ways to get people to make better financial decisions.

It says, “It is the time to use our knowledge and resources for a collaborative approach across public and private sectors to instil mindful spending and borrowing habits in our classrooms and beyond. The private sector and the public sector, members of the media, educators, and individualsthemselves can all play a role in improving financial practices. We can help people become more mindful spenders and borrowers; we just need to embrace the new knowledge and technology available.”

Smart nurturing

According to the study, fast thinking processes and numeracy skills are part of people’s natures. It explains that smart nurturing is suitable in helping people overcome their nature because it involves using psychology to help them make better decisions by changing the interactions between their slow thinking processes and fast thinking processes.

While the study admits that changing behavior is difficult, it says the fact is that some people manage to do it.

To successfully change behavior, it says three principles are involved. They are:

1.Articulating the change to be made and laying out the steps necessary to get there.

2. Finding ways of generating appropriate emotional rewards along the path leading to change.Emotions are part of fast thinking. Emotional rewards come in many forms, but one important form pertains to identity. People who want to change often want to change their identities, and so part of the reward is behaving in a way that supports the vision the person has of who he or she wants to be.

3. Manipulating the environment to foster change, using a variety of techniques such as the cultivation of new habits and modifying the choice architecture, which means intentionally structuring the choice environment to influence the choices people make, essentially, to “nudge” them to make different decisions.

As ‘complicated’ as this may appear, Shefrin says, “The research is clear that many people would like to make better decisions about spending and borrowing, but lack the knowledge or the motivation to do so. It is time to harness new innovations in order to help them to do a better job of making ends meet, taking on less debt, reducing unnecessary financial fees, and setting aside funds for unexpected expenses.”

Culled from http://www.punchng.com/am-business/taking-decisions-on-spending-borrowing/

 

Enriching Others

Budding Blossom
Budding Blossom (Photo credit: St Stev)

I have been out on a business trip and so far I have not been chanced to share some of my thoughts on a blog. I saw this great and inspiring little piece by a friend (Olugbenga Stephen Asaolu, a great motivational speaker) and thought to share it with you.

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Being generous is not a function of income…it’s a function of the heart.
It doesn’t come from the top of the purse, but from the bottom of the heart.

You don’t need to be a multi-billionaire to be generous.
Money is not the only thing you can give.

Ordinary people spend their most valuable time making money
But extraordinary people utilize their time in making people

An encouraging word from you can give hope of a better tomorrow to a promising youth
A smile from you can help someone on a suicide mission reverse it!

It’s all about serving others…

Looking for ways to add value to them…
That’s the way to achieving significance in life.
Your purpose in life is not only “to have and to hold” but also “to give and serve”.

A highly successful steel merchant and philanthropist once said; “No man becomes rich unless he enriches others”.

Go do something!

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As the ember months unfold, I wish you draw closer to achieving your set goals and become more.

Do have a great month of September.