getting started

Here’s more of “Who says it can’t be done?!”

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Let’s face it- some of us are living beyond our means, in staggering debt, and not exercising enough and it’s by our own doing (or not doing)! Yep, there I said it! No excuses, and no apologies!

The first step to success is to admit to a problem and then find ways to solve it. These challenges will take us into the next year and start a snowball effect that will drastically change our lives- are you up for it? So, I challenge you to do one if not more of the following with me and see where we end up. Here’s a list of the following challenges. Your mission, if you decide to take it-

Read the following blog articles and/or video challenges, then choose one (or all three) to work on:

  1. The 30 Day No-Fail Money Challenge – The Debt Myth
  2. 30 Day Challenge: Finishing What I Started
  3. The 30 Day Meditation Challenge on DOYOUYOGA

There’s only three to choose from- how hard could it be? Remember, just pick one and do it consistently for the next 30 days! As always, “comment”, “like”, and/or “share”.

See you soon!

Until next time…

Peace, love and prosperity,

ET

A Work in Progress

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img_20160804_204054Greetings!

 

Embarking on a new project is always intimadating,  but I love challenging myself. For the past few months, I’ve traveled across states and released my book Journey into Finance in several libraries. Staying true to my purpose of helping to increase financial literacy, I’ve also donated to residents in correctional facilities. My intention is to encourage and empower others to believe in their dreams and never give up on themselves.

Scrolling through my feeds, i came across this here: “There are Four Levels to becoming your greatest version” – Ralph Smart

Giving some thought to the above statement as I begin the next chapter of my new book.

The first thing is observe our habits. How are you treating yourself. Selfcare is vital. I often say, “if I knew then what I know now…”, as a cliche but I can’t go back in time so I pass it forward.

What I ask myself:

What are the four levels?
What level am I on?
How can I be the best version of Me?

OK I’ve watched the video and now know what the four levels are, according to my instructor. I also recognize what level I’m on. The task at hand is putting it all into action to become my greatest version.

Giving praise and honor to the Most High is my acknowledgement to get ego out of the way. I am a mere mortal, not immortal. I have a beginning and an end on this earthly plain. My soul will transcend. My legacy is what I create/birth/bring forth to leave behind and it will continue through my progeny, until the end of time.

I have a blueprint of the past and present to guide my future and it’s beautiful. Something that may only be realized after I’ve transcended because that is usually how the mind works. We never seem to appreciate the impact of a person until they’re gone. Truth.

So, to my progeny- use my knowledge, think for yourself and create your own destiny, good or bad. The consequences of your deeds are a reference for yourself; therefore, choose your mate and your path wisely. Your word will become your truth/bond, respect it.

If you have a dream, work at it earnestly. Learn as much as you can about it, and put that knowledge into practice. Enjoy life and the finer things in moderation, never bite off more than you can chew, live within your means, eat healthy, give in charity, and smile through it all because things could always be worse. Be grateful and believe in yourself. Have a wonderful life…make it so.

Peace, love, and prosperity.

ET

 

 

Banking: Credit vs. Debit (update)

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Credit vs. Debit (1)

When I talk about credit vs. debit, I’m not speaking about the retail/revolving line of credit cards, we’re discussing the debit card purchases or PIN based transactions vs. using your bank card like a credit card for signature-based transactions. The question was asked, “is one better than the other?” My response, although rather vague at the time was “it depends”. The person sitting across from me then edged me on…”depends on what?!” So, I put my pen down and sat back in my chair then looked over my glasses at her earnestly and said, “whether you have money in your bank account at the time of the transaction for it to be declined or approved.” The young lady was still looking confused, so I decided to dumb it down a bit more for the sake of additional questions (I was in a hurry to complete an assignment).

“If you use your PIN, the terminal uses your current collected balance to determine if there is sufficient funds available to approve the purchase. In the event you don’t have enough money to cover the transaction or purchase amount, then using credit to sign for your items, is a way to save you the embarrassment of being declined at the time of check out. That is, if you have set up the ‘debit card overdraft coverage’ option with your bank.”

atm or debit (1)

I could tell that my young friend still wasn’t getting it so I turned around in my swivel chair, got up and walked towards my bookshelf, searched for Journey Into Finance by E.N. Towner, flipped through the pages of Chapter 1 found what I was looking for and handed her the book. “Read Chapter 1, and if you have any further questions, call me to set up an appointment to discuss them.” That was how I earned my first paying client. We set up a counseling session for every other Saturday in the morning. I called our session “Banking: Getting on Track“, which can be purchased for a limited time at a ridiculously low price of $25.00.

Update- while running some errands today, I stopped to pick up a few groceries. The lady in line ahead of me was attempting to use her debit card as a credit card and was told by the cashier that they no longer allow a debit card to be used as credit. Skeptical The lady was confused as she began searching for a credit card to use instead of her debit card. The cashier said, “they’re starting to do this so that people can’t take a stolen debit card to purchase large ticket items”.

*Feeling a bit cynical about corporate America- I thought to myself, serves them right. Turning good workers away (cashiers) who request to see some identification, would normally prevent these type of thefts  just to save money to invest in programmed machines instead!*  Whoa, it’s time to head home and do some meditating ’cause I’m feeling some kinda way today. Somebody had to say it, I’m just keeping it real. Short, sweet (kind of), and packed with information.

(UPDATE) 

After some complaining from customers, the terminal owners offered merchants the convenience of a non- PIN based option for their purchases. Now if you pay attention, you’ll see the option of NO PIN. This is especially helpful for credit cards and can work with the debit cards as well for signature based purchases. 

That’s all for now. Thanks for reading, until next time…like, share, and/or comment.

Wishing you peace and prosperity,

ET

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