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My new years reseloution

31 Dec

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Christmas thought

24 Dec

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Thought for the day

23 Dec

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As You Slide Down that Banister of Life You Should Pray That All The Splinters Are Pointed The Other Way.

Mistakes

4 Oct

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More people would learn from their mistakes if they weren’t so busy denying that they made them.

Drive through

25 Sep

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This was yesterday as I was going through the Drive through at the bank. Not sure this was the intended purpose of the drive through but whatever works I guess.

IT IS FRIDAY

19 Jul

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Have a good weekend

Ability

15 Jul

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“Natural ability without education has more often raised a man to glory and virtue than education without natural ability” Cicero

21 May

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The greatest irony is that the concept of Financial Freedom is always predicated on having more money than you need. I, like many other successful people have found that more does not in any way directly correlate with more freedom. Financial Freedom can be achieved as low as around 50k per year in income – as long as you live within your means and have a good belief in your ability to continue ‘covering your nut’. Anything more is Ego, and much more scary is how more can move you further from what you truly need in life – more and deeper love.

$$$ Fundamentals:

#1 MONEY NEVER SOLVES A MONEY PROBLEM!!!!!!!!!

Lending only makes sense when it is used to finance growth.

Anyone who does not have 100% grasps on ALL OF THEIR NUMBERS should never be even considered for a loan.

Projected growth should never exceed 20-40% annually; everything larger is fantasy and should be viewed with the greatest skepticism.

Sales focus is always significantly more important than back office focus.

The back office does have to be ruthlessly cheap though, with nothing gone to waste.

All personal spending has to come from FREE CASH FLOW that comes from ASSETS.
CREDIT CARDS and other CONSUMPTION LOANS are the crack cocaine of the financial world.

MONEY is almost always used to fix LOVE problems. This is what we mean when we say ‘Anything more is Ego’.

If you would like to comment or add your thoughts I always welcome it and love to hear from you.

Thank you

Never Failed Never Lived

16 Apr

I always watch this video and other videos. I like it. It actually makes me keep going. A lot of people in your life will tell you to quit, give up, your idea is stupid, or take the easy way out and get a job any job.

My thing is what if this was a reflection of their own inability to do something big. In ability to dream big and go after it. Just because everyone around you is content with what they have does not mean that you have to.

What if you actually do have a good idea or a thought or something that would make it better for you and your family. How far would you go to make it happen. As they say if it was easy everyone would be doing it. Success is very hard and comes at a price. What are you willing to do to succeed how far are you willing to go to make your dreams come true. You see everyone has the notion that people like me go into business to make Lots and Lots of money. and that the only thing that drives us is money. While money is a big motivator you will find that most people who go into business is ultimately to pursue happiness. Not just money.

The way I see it is lots of people 1- hate their jobs 2- hate the life they lead because of what they do 3- are too scared to do something about it. Well what a life to live. We actually work an average of 10 hours per day yes thats the employed person. so you are miserable about 40% of your day and lets say you sleep an average of 7 hours or 33% of your day so doing the math you have 27% of your day to rush home, eat , and if you have kids fight with them etc. What time is left to be happy.

I still vote for me to be happy most of the time. But its up to you. you can join the flock and exist , or you can make a difference in your life and life of others. its all up to you. It is a very hard road filled with endless hours of work, but the satisfaction out of doing something you love is not measurable by any metrics out there.

As always I always welcome any comments or feedback.

Customer complaints

15 Apr

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I was reading an article in the Toronto Star about the number of complaints the transit system has received last year in comparison the year before. The article stated that there were 45,408 Raider complaints up from 38,811 in 2011 and 34,107 in 2010. The article goes on to say that the TTC’s chief customer service officer indicated that they are tracking the complaints better and are making it easier for people to reach them. Basically they are LISTENING. Which is really weird and different.

You see in light of my recent run-in with the Home Depot, I went to the company website. I did not find a place to file a complaint. There was a contact us page with a form to fill out and someone will get back to me. No one did. Yet.

I went on and went on the websites of Best Buy, Future shop, McDonalds, Burger king, Lowes etc. There is no clear way to file a complaint. I went a step further. I went to the Facebook pages. I filled out a request for a process to file a complaint in the Home depot Facebook page, as well as Lowes and McDonalds Facebook page, And as of the publishing of this posting Only Lowes got back to me.

You see its not the fact that no one complaints, It’s the fact that I think big companies have a small army of soldiers who mask, cover and paint a great picture for you. how are they supposed to know if people are happy or not. They basically don’t , and don’t care. You see it’s a volume based. Where are you going to go from the big companies. For example if you hate one cell company and got to another the same amount of people left the other company to come to the company that you left.

I was talking to marketing Guru from TELUS. Its one of the large cell companies in Canada. He said yeah we decided to split the carries and introduce a low fare based carries called Koodo. Rogers owns Fido and Chatr, Bell Ownes solo mobile and Virgin mobile. And between these Ginormous companies they own 94% of the market. So go ahead switch carries. THEY ARE ALL THE SAME. Go ahead and complain, NO ONE CARES.

People can’t reach them. They have no easy way to complaint. And if by any miracle someone actually spends the time to look it up and pursues it then they just issue a gif card and say here shut the hell up and go away.

Big companies have the ability to cover just about anything. They drown people with advertising and Facebook and twitter crap that no one can see through the cloud of garbage and all that is called advertising.

Why don’t you try to figure out how to complaint to a big company? Choose any big company, find out if there is a complaint section, and see how long it takes to get back to you IF they do. I would love to be proven wring but I am just talking from experience and the fact that it is so hard to get your justice across especially if you are a little guy.

As usual you can add your email on the bottom right of my blog to get the latest updates and don’t forget I welcome your comments and promise to filter them like the big boys do.