Before you attend the interview, I will like to share expert tips with you so that you can be successful and get hired.
On today's show, I will be sharing 7 quick tips to get you prepared and equipped to win the hearts and minds of the interviewers.
1. Study the job description
2. Know your audience/company
3. Dress for success
4. Be in the right mood
5. Arrive on time
6. Craft your "Story"
7. Follow-up after the interview.
On today’s show, we will discuss:
What is passive income?
Examples of passive income sources
Some common obstacles that stop people from creating passive income
How you can start building your passive income portfolio.
Are you earning money passively? If so, what are the sources?
On today's episode, you will learn about:
Advantages of positive cashflow
How to ensure you have regular positive cashflow from month to month.
It is much less about how much you make, but much more about how much you keep, and how hard your money works for you.
"The most pathetic person in the world is someone who has sight but no vision."
― Helen Keller
Today's episode is meant to motivate and inspire you to create Vision 2020 if you don't already have one. The vision statement should cover everything about your life:
So in this episode, I am challenging you to write a vision statement. We will talk about:
Why you should have a vision statement.
What should be in your vision statement?
Who you need to be to fulfill the vision.
"Tell me about yourself" is an invitation for you to take a few minutes to briefly talk about yourself so that the interviewer can know more about you, especially outside of your life outside of work.
Check out what you need to do to get hired in this episode.
Thanksgiving is a way of expressing gratitude. Gratitude can change your life because it makes you appreciate what you have rather than what you don’t have. It makes you hopeful. Gratitude is a powerful source of inspiration that any person can tap into if they just stop and pay attention to the simple things in your life.
If you are able to breath air freely, without needing any artificial oxygen. Be thankful
If you can put food on your table. Be thankful. (Millions of people are unable)
If you have clothes to cover your nakedness. Be thankful, many couldn’t.
If you have a roof over your head, Be thankful, remember the homeless.
If you have someone around – spouse, children. Please hug them, kiss them. Some are lonely.
If you have life. Be thankful. No one is guarantee tomorrow. Today is yours. Enjoy the experience of this beautiful day. Enjoy your thanksgiving day. Happy thanksgiving.
To be successful in your career, you need to have such confidence in not only in your ability to figure out and solve problems, but you must also have the necessary competence and leadership skills to think ahead and foresee issues even before they occur.
1. Be Calm
2. Take on more challenges
3. Become an expert at something
4. Go above and beyond
5. Ask for feedback
At the end of today’s show – You will know how to confidently choose among multiple alternatives.
Have you ever found yourself in a situation where it’s difficult to choose between many alternatives? So how do you make decisions? What will you do when you need to choose between two similar alternatives? Indecision can affect your productivity and can cause a drag on your time, preventing you from making any decision until everything becomes urgent. If you want to be more efficient in decision making, then you need to be aware of the 3-step framework for making a better decision.
Here is the 3-step framework for effective decision making.
1. Pre-plan your agenda
2. Pray about your plan
3. Act on your plan
This is episode 53 of this Podcast, and today is about listeners' questions.
And the question under review today is:
- Should I pay off my Mortgage or invest in the stock market?
This is an excellent question, and my goal today is to help guide you so that you can make the best decision that works for your situation.
The way I want to respond to this question is to go over the pros and cons.
Paying off your Mortgage is a responsible thing to do financially, but you need to ask, is it in your best financial interest. You need to assess your situation. Are you 25 years or 60 years? Are you comfortable making mortgage payments at age 65 years?
Click here to read the transcript.
Today, I will be sharing 5 better money habits that you need to cultivate to build a financially stable future for yourself and your family. When it comes to learning how to manage your money, there are some excellent habits anyone who wants to build wealth should follow.
Below are some habits you need to get used to when talking about better money habits:
1. Create and stick with your budget.
2. Save before spending
3. Examine your cashflow
4. Get out of debt
5. Give it out.
Click to download budget setting guide: Budget 101
Comment with your most important money lesson here.
People detest failure. Failure can make you lose your self-confidence, doubt your ability to accomplish your goals if not properly handled.
Here are some ways to deal with failure:
1. Don't make it personal.
2. Don't focus on it.
3. Know that failure is part of the process.
4. Use failure as a learning expereince.
5. Get a mentor to help you.
Today's show is about 10 life lessons from Podcasting:
1. Don't wait for perfection
2. Consistency is the key
3. The world will discover you
4. Provide useful service
5. Make sure you enjoy it
6. Marketing is important
7. Have a clear message
8. Define your system
9. You will be challenged
10. Patience is critical
Buying a home can be both emotional and stressful, especially if you're a first-time homebuyer. These tips will help you navigate the process, save money, and avoid common mistakes. Here are the tips for first time home buyeronce again:
o Pay down your debt and build your emergency savings.
o Establish how much house you can buy
o Save a down payment
o Get Pre-approved & Compare mortgage rates
o Hire a professional real estate agent
o See multiple homes
o Make an offer & prepare for closing.
I hope I've been able to serve you again today. I want you to have peace of mind and eliminate stress that comes with home buying process. Follow the tips that I explained on this episode, and it will take the stress out for you. Please share this episode with someone that you love. Don’t forget to leave a rating and review. Let's work together to create more winners, till next week again. This is Bola Alabi. Keep winning.
All over the world, I have found out that as we are different from one person to another, so is our challenges. I don't know your situation today, but I want you to be grateful in that circumstance because, with life, there is hope. Yes, the situation may be difficult, you may not know the steps that you need to take to get yourself out of the challenges, but I want you to cling to the hope that there will be a better tomorrow. Your story will not, and cannot end in shame if you genuinely believe and develop the courage to step up of your doldrums.
If you have the necessities of life – you can put food on your table, you have a roof over your head, you have clothes to cover your nakedness, you have friends and families. You are in good health, no pain or sickness in your body. YOU SHOULD BE GRATEFUL.
People go through different challenges in life. John Chapter 16:33 says, "I have told you these things, so that in me you may have peace. In this world, you will have trouble. But take heart! I have overcome the world." So trouble is part of life's equation. I want you to be grateful for your situation today.
I also like this quote, "Be kind, for everyone you meet is fighting a hard battle you know nothing about". If people did not open up to me, I would not know what they are dealing with. So again, apart from being grateful, I want you to be graceful. Show compassion, kindness, and care about other people around you.
Welcome to the Winners Ways Podcast. Today is episode 47 of this podcast, and we will be talking about “Ways to recession proof your finances”.
Here are seven tips to recession proof your finances as recommended by experts.
1. Pay down your debt
2. Boost your emergency savings.
3. Reduce your living expenses.
4. Stick with your budget.
5. Start a side business.
This question is one of the commonly asked questions in job interviews. This episode provide guidance on how to effectively answer the question so that you can get the job you most desire. Here are three things to do in order to respond to this question:
1. Talk about your skills, focusing on skills that are relevant to the roles under consideration.
2. Share your experience, highlighting how you have used those skills to achieve results.
3. Present yourself to the interviewer and explain how you are going to help the organization solve their problems and achieve organizational objectives.
Listen to learn the details.
Welcome to Episode 45 of the Winners Ways Podcast. We have a guest on the show today, I am excited and grateful to have this guest join me today. I have learned a lot of insight from my conversation with her. I am sure you will learn from this episode as well. I am thrilled to welcome Lauryn Williams on Winners Ways Podcast. In case you don’t know her. Lauryn is an American Sprinter and bobsledder, a 4-time Olympian. She is a dynamic speaker, and a presenter who is passionate about motivating others. She is a financial coach, a CPA, she is someone that wants people to have success managing and organizing their personal finances. And that’s why we are having her on the show today, to listen and learn from her, so that we can all win with money.
So, episode 45 of the Winners Ways podcast is about Winning with money.
“Everyone is a genius. But if you judge a fish by its ability to climb a tree, it will live its whole life believing that it is stupid.” ~ Anonymous
Everyone has to find their zone of genius, explore those areas, and capitalize on it to excel in life. Here a few tips to help you if you are yet to find yours, and some recommendations if you already know yours.
1. Be deliberate
2. Passion Counts
3. Reach out
4. Learn & aim for continuous improvements
5. Surround yourself with mentors.
Here are some mistakes you must avoid when selecting your financial advisor.
1. Hiring the first advisor that you found.
2. Not researching who you're hiring.
3. Choosing an advisor that does not suit your goal.
4. Hiring out of sentiment.
5. Not firing an advisor quickly enough.
6. Not hiring an advisor who is a fiduciary.
Financial advisors help people with their financial planning, by working with you to set financial goals, and they guide you in deciding, when to save, how much to save, how to handle debt, and when/how to invest to reach your financial goals.
Choosing a financial advisor is a significant decision, yet some don’t consider doing it, while others give it less thought. If you choose the right financial advisor, he or she will protect your money and put your interests ahead of their own.
Here are some important points to consider when choosing a financial advisor.
1. Is he a fiduciary?
2. How does he make money?
3. Verify advisor integrity & credentials.
4. Verify their service offering.
5. Interview multiple advisors
Getting a financial advisor is a very important decision that can make or mar your financial future. Your financial advisor should watch out for your interest, he should provide advice that will be beneficial to you and help guide you through savings, investing, debt and wealth management decisions.
Fixed-Income Investment Markets
The fixed-income market, more commonly referred to as the bond market, consists of bond securities issued by the federal government, corporate bonds, municipal bonds and mortgage debt instruments.
Advantages of Investing in Fixed-Income Securities.
1. Stability of Principal
2. Generates a Steady Income Stream
3. Higher Priority Claim to Assets
Fixed Income Investments
1. Savings Accounts
2. Money Market Accounts
3. Certificate of Deposit
You are listening to the Winner’s Ways Podcast with Bola Alabi, episode 40.
Last week, we started a series about how to stay passionate about your job. We were able to identify three categories of people: The Passion Pursuers, The Passion Snubs, & The Passion builders. If you are yet to listen to that episode, please go back and check out episode 39 to learn more.
We said that the Passion Pursuers are those people that are able to connect purpose with their job, and they do it happily.
Passion Snubs, on the other hand, are not happy or passionate about their job, yet they do it anyway. We gotta make ends meet.
Passion builders are initially not happy, but they understand that no situation is permanent, they decide that rather than being unhappy with what they do, they will develop skills that will help them excel in their jobs and find something that they can still enjoy about the job.
Seven ways you can stay passionate at work.
1. Identify the purpose of the role:
2. Understand that it can be temporary
3. Build the needed skills to excel.
4. Re-assess the situation
5. Embrace the challenges
6. Find allies & mentors.
7. Be bold & quit
Many people go to work that they are not passionate about. They work for a living without actually living. They are in a constant sad state and are only happy on weekends. I don’t want you to live your life that way. I want you to thrive and grow in your career. The only way to do so is to connect purpose with your work and do your job so passionately that you are ready to go the next day. That’s the way to live to your fullest potential. That’s the way you can say WORK IS FUN.
This is episode 39 of the Winners' Ways Podcast
Today, our conversation will center around ideas that can help you stay passionate at work. It’s a two-part series, in this episode, we will identify three categories of people regarding how passionate they are about what they do, and next week, we dive in to discuss how to actually stay passionate at work. So why is it important to be passionate about your job?
Passion is that natural pull that attracts you towards what you do. When talking about your career, passion is what should ideally get you up in the morning, it is what drives you to work, and it keeps you motivated at work to achieve meaningful results.
There is a direct correlation between your potential to enjoy your work and do your best and the passion you have for the job. People that don’t enjoy their job, people that do not love what they do will find it extremely hard to contribute their best efforts.
Passion is essential in everything we do. If you do not have passion for a task, it will be hard to perform well in such a task.
For today, we will discuss categories of people as it relates to passion.
Based on my observation, people in the pursuit of their daily endeavor can be broadly classified into three main groups:
Passion Pursuer: These are the people that pursue their passion. They only do what they love. These people are able to connect their passion with a clear sense of purpose in their job. As a result, they are able to contribute their best; they enjoy the challenges and the sometimes disappointment that they may confront at work.
Passion Snub: These are people that are unable to find passion in what they do, but they continue to do it because they need to make ends meet.
Passion Builder: Yes, initially, these people may not have passion for what they do, but they understand that to do a good job, they need to connect passion and find ways of enjoying their job.
Call to Action:
Take a few minutes to think about it. Which of the three categories do you belong?
Are you a passion pursuer, passion snub, or passion builder?
If you are a passion pursuer, keep following your passion and enjoy what you do.
If you are a passion snub, try and find the courage to find something you enjoy.
If you are in the passion builder category, keep developing skills that will help you to excel at what you do.
Quote of the Day
"If it falls to your lot to be a street sweeper, go out and sweep streets like Michelangelo painted pictures. Sweep streets like Handel and Beethoven composed music. Sweep streets like Shakespeare wrote poetry. Sweep streets so well that all the hosts of heaven and earth will have to pause and say, here lived a great street sweeper who swept his job well." -- Martin Luther King, Jr.
In case you don’t know it. In the USA, the 401K plan is an employer-sponsored retirement plan that eligible employees may make tax-deferred contributions from their salary to on a pre-tax basis. That means you aren’t gonna pay any tax until the money is withdrawn from your account. Most of the time, employers often make matching contributions on behalf of the employees to help fund their retirement.
For example, some employer may match dollar for dollar up to a certain percentage of the employee’s annual salary. Some employers contribute $50 for every $100 that an employee contributes, also up to a certain percentage of the employee’s income. That’s free money for the employees that if properly invested in suitable investments, will go tax-deferred, and the employee can start withdrawing during retirement.
401K offers you tax incentives – For example, let’s say your annual salary is $50k; ideally, you are supposed to pay some taxes on that income. If you contribute, $5K to 401K, you are effectively lowering your tax bracket since your contribution to the 401K is tax-deferred.
The 401(k) plan became law in 1978 and is named after the subsection of the Internal Revenue Code that established it. As of Sept. 30, 2017, 401(k) plans accounted for roughly $5.3 trillion of the $27.2 trillion in total retirement-plan assets in the United States, The IRS imposes contribution limits per year, although limits for 401(k) plans are more generous than those for other plans: $19,000 in 2019, up from $18,500 in 2018. This increases to $25,000 if you're age 50 or older.
So how would a 3% match work? If you put in 3% of your $50,000 salary, or $1,500, your company puts another $1,500 in the pot. You can add more than that $1,500 yourself, but the company won’t match beyond 3%.
Not every employer offers the 401K plan; some companies have other options such as 401a, 403b. If your employer is not offering any match, you can set up “Individual Retirement Arrangements (IRAs). Small business can use the Simple IRA (The Saving Incentive Match for Employees. Check out the IRS (Internal Revenue Service) website to find out more information about your retirement option.
The topic for today is how to become a 401K millionaire:
One thing that I love doing very well is that I love to give you actionable tips that you can help you to achieve your goals. So for today, I will be sharing five tips that you need to follow to achieve the goal of becoming a 401K millionaire.
Achieving this status depends on four main factors:
Age you are starting.
The amount you contribute
The frequency of contribution
The returns you get on your investment.
Here are some statistics you should know:
- The average 401K balance among participant is $104K
- 71% of the portfolio has exposure to equities.
- The total amount held in all 401K account is $5.3 trillion
- The average savings rate is 8.6%
- According to fidelity, there are over 157,000 401K millionaires in America. There are other 148,000 people who have saved $1 million or more in an IRA.
- The average age to attain that status is 56 years old. (No sudden millionaire. It takes time. It takes careful planning. It takes coming up with strategies).
How to become a 401K millionaire:
1. Start Early
2. Max out your contribution
3. Pick up good investments
4. Be consistent & Stay persistent
5. Give it time
In case you are not satisfied with your career trajectory, listen to this episode to learn how you can navigate and find a career path that you will enjoy.
In this week's episode, I spoke with a HR expert on how to change your career. She has a book written about this topic. In her book, she highlighted 10 practical steps that can help anyone get the career they love.
The steps are:
1. Start with a vision
2. Retrain yourself
3. Highlight Transferable Skills
4. Gain Experience
5. Consider Internal Vacancies
6. Consider the Industry
7. Consider Easier Entry Points
8. Get Better at Networking
9. Plan Your Finances
10. Set Goals and Execute
Check out the book on Amazon:
Check her website for more details: https://adoraikwuemesi.com
An interview is always an opportunity to sell yourself, pitch your potential and capability to the potential employer. You want to show that you qualify for the position, and you want to make sure that you impress the hiring manager. To do this, you must be well prepared, and you must be memorable.
In this episode, we will continue with our interview series by sharing best practices for getting ready and passing your interview. Today, we will be talking about one of the commonly asked question – What is your strength?
You need to consider REST to answer the question about your greatest strengths.
4. Tell stories
Excuses holding you back: Imperfect action is better than perfect inaction.
Sometimes in life, we allow excuses to hold us back and stop us from achieving our goals. We don’t know what to do, we may know what to do sometimes, but not sure of how to do it. We don’t have enough money to start that business. We don’t have enough experience to run the business. We don’t have enough experience to get a certain job that we truly want. Sometimes, the excuses may all be about busyness – too busy with work to have time to read. Too busy to write that book, compose that song, spend time with your loved ones. Sounds familiar?
It’s true some of these excuses may be genuine, but if we let them get in our way, we will not be able to take any step or achieve anything meaningful.
- No idea of how to start- No sense of how to set it up- Fear of running out of content.- Not comfortable expressing my opinion to the public.- Concern that people may not even like the content
So what did I do? I did exactly what I’m telling you today. Start anyway.
You see, it’s always great to aim and work towards producing the best in everything we do, but the truth is that starting something even though if it is not perfect, is better than not starting at all.
One of my favorite quotes is from Les Brown, and it says:
“The graveyard is the richest place on earth, because it is here that you will find all the hopes and dreams that were never fulfilled, the books that were never written, the songs that were never sung, the inventions that were never shared, the cures that were never discovered, all because someone was too afraid to take that first step, keep with the problem, or determined to carry out their dream.
So my message today for you my friend is that you should not wait for everything to be perfect before you start acting and working on your plans.
- Go ahead, and create the content of that book- Go ahead and register that business- Register for that evening school program- Write out that song.
Whatever you want to achieve, start today by taking the first small step. Take imperfect action, because:
- You are never gonna know everything- You are never gonna know all the answers- You are never gonna be flawless- Everything is not gonna be aligned from day one.
So if you are in the middle of making a decision on your next big goal. I encourage you to start with what you’ve got. It’s okay to do a good job and keep improving.
- Be okay with B- and aim for continuous improvement- Be a learner- Must do something (Doing nothing = Achieving nothing)
Note: Imperfection leads to something better if you keep learning and finding ways to improve.
Call to action
- What is that one thing you’ve been seating on?- Put together a plan (Imperfect plan) this week.- Make a decision every day- Action is the only way you can make a decision about whether something works or not.- Make me a sounding board. (If I don’t know, I can connect you).
What exactly do we want for our children? I’ve found out that parents, at least most want their children to be healthy, happy, and successful in life. If there is any way a parent can ensure a brighter and better future for their children, they will surely follow the path. One of the core tenets of American society is the belief and drive for the current generation to ensure that they hand over a better country to the future generation. That is why America is great as a country, it is about continuous improvement.
So how can we ensure a better future for our children? Do parents have any contribution to how successful their children will be?
In my quest to find answers to these essential questions, I came across someone that has confidently and successfully raised successful people. She has been called “The Godmother of Silicon Valley,” she is a teacher, grandmother, and she came up with a simple principle that can help anyone empower and raise successful people. Esther Wojcicki is the mother of Susan Wojcicki, the CEO of YouTube, Janet Wojcicki, a University professor, and Anne Wojcicki, the CEO of 23andMe. She recently wrote a book, rightfully titled “How to raise successful people.” In the book, she shared five core values that are essential for raising successful people.
How exactly did she do it? Are there any lessons that we can learn from her principles? I read her new book, and I had the opportunity of interviewing Esther. The following are the five core values that you need to raise successful people:
Welcome to another episode of the Winners Ways podcast. I am your host, Bola Alabi. This is episode 33 of the Winners Ways podcast, and on today’s show, we will be discussing how to answer interview questions.
As a career coach, I have had a couple of people come to me to ask for guidance on how to best prepare for their interviews. I typically will sit with them, or hold a phone call to coach them on the interview process. We will then go through a series of typical interview questions and provide ideas on how to best answer those questions.
I enjoy doing this a lot, and I am always thrilled whenever any of my students went ahead to get a job.
I must tell you this; it costs a lot for companies to find and hire the right talent. When you are able to get in front of the recruiter, you already stand a high chance of landing the job. Your job is to close the deal and let the interviewer that you are the best candidate for the job.
So, I am introducing a new series – “Interview Preparation tips.” I will talk and share my ideas about how to respond to interview questions. I am doing this to help my audience prepare and pass their interviews. Today, I will be addressing the popular question, “Where do you see yourself in the future? The interviewer may ask you this question “Where do you see yourself in 5 years?
What will be your response?
For this particular question, the hiring manager is looking for commitment. He/she wants to see if you are someone that will stay and grow with the company.
The truth is that none of us have any crystal ball to determine where we will be tomorrow, not to talk about five years from now.
Still, they want to be sure that you are not just transitioning through their company – that is, you are in today, but you are immediately looking to get out once you found something else that seems better.
So how should you answer the question, “Where do you see yourself in five years.”
I want you to do two things:
Let them company know that you plan to stay with them.
Let the company know that you plan to grow with them.
Have a knowledge of the possible path that your career can take you in the company. You should be aware of the company’s culture and the industry standard. For example, let’s say you are interviewing for an entry level engineering position in a company. Based on your research, you know that you can become a senior engineer within 5 years in the company.
You can respond to that question this way “ In five years, I want to continue to work in this fantastic company, and hoping to grow in my career because of my contribution to my team.”
In order words, tell them about your intended impact on the company.
Let them know that you want to come in and contribute to the organizational goals and objectives.
Don’t just tell them that you want to continue to work for the company. Let them know that you plan to grow with the company, and also that you know you will deliver results for the company in order to achieve the projected growth.
That my friend is impressive.
If a company is going to pay you a salary of $50,000 per year, the company, in turn, is expecting that you will help them to make $300,000 per year. It’s a give and take scenario. You must be able to justify your salary. You cannot be earning $50K salary and only deliver $30K value to your company.
And that’s it.
Now you know how to answer that question – Where do you see yourself in five years? You answer by aspiration & results.
I hope I’ve been able to serve you today. You know what I do on Winners Ways, I work to help you achieve your goals and be successful in your career. Till next week again. Now, win.
Welcome to another episode of the Winners Ways podcast. I am your host, Bola Alabi. This is episode 32 of the Winners Ways podcast, and today’s show is about motivation, and I am reviewing the story of John Paul Dejoria.
The goal of today’s show is to share life lessons from John Paul’s story, with the hope of motivating you the listener that no matter who you are, no matter where you are, you can achieve success if you are willing to learn, and ultimately if you believe you can. I like the way Henry Ford put it, “Whether you think you can, or you think you can’t. You are right.
Many people have self-limiting beliefs. They’ve imposed a limitation on what they can achieve. From time to time, I do ask people if they think they can achieve millionaire status. I’m often perplexed when I get a negative response from some of these people. These are dedicated, hardworking people, but who have conditioned their mind that they can’t get ahead.
Anyway, I hope the story of John Paul will be an inspiration for you out there to tell you that you do not have to remain in that unpleasant situation. Your story does not have to end in shame. You can rise up. You can achieve more. You can become more, if you can believe it in your mind, and if you work hard for it.
From my intro, there are 5 quick life lessons that I want to talk about from the story of John Paul, how he went from being homeless to phenomenal success.
Acquire Knowledge: There is a common saying that knowledge is power. I totally agree with this. Beyond acquiring knowledge, beyond having the right information, beyond knowing the right people, I will further say, that the application of the knowledge that you acquired, acting upon the information that you know, tapping into your connection will actually help to open the right doors on your journey in life. John Paul worked in multiple positions before he started his own business. During his work days, he acquired knowledge in sales, marketing, and manufacturing, which proves vital when he started his own business. Many people fail to learn while working for others, they are mostly concern and focused on the salaries that they make, neglecting to learn about the business. Don’t let that be you. What is your current position? Maybe you are a server in a restaurant, this does not mean that you will continue to be a server for the rest of your life. You should take your time to learn about the restaurant business – customer acquisition & management, marketing, cooking, staff management, and so on. Who knows. Someday, just like John Paul, you may be in a position to start your own business.
Be prepared for rejection: When starting out in business, you need to set and manage proper expectations. I know everyone wants to succeed in business, but the truth is that businesses involve lots of uncertainties. It will take making mistakes and learn from those mistakes to build a scalable and successful business. Don’t be discouraged when things are not going the way you expected immediately. According to John, “For the first two years, it was hand to mouth. After two years, Paul and I had made close to $1 million gross and had enough to give ourselves each a $2,000 dividend. We had no loans. Everything was in inventory. It wasn't nationwide yet, but we were in several salons. It got rolling and rolling until it got into the hundreds of millions.
Be Enthusiastic and Passionate about your business: This is very crucial. Many people go into a business that they are not passionate about, and the effect of this is that, when things don’t exactly go their way, it becomes easy for them to just give up and look for the next shiny business. If you want to build a sustainable company, you’ve got to be enthusiastic and passionate about it. This will ensure that you get up every morning, and you look forward to going to work because you enjoy doing the work. According to John, “The key is to be excited and passionate about what you are starting, and
Money is extremely important. People all over the world work very hard to make money, but many struggles to effectively manage their hard-earned income.
On today’s show, I have a money expert, an educator that will be sharing her money story with us and teach us how to ditch debt, save money and build wealth.
Bola Sokunbi is a certified financial educator whose goal is to help women take charge of their finances, stop living paycheck to paycheck, build real wealth and get you in control of their lives.
You will hear ideas and tips that will help you to achieve your financial goals.
Hi Everyone, Welcome to another episode of the Winners Ways podcast. I am your host, Bola Alabi. This is episode 30 of the Winners Ways podcast, and on today’s show, we will be talking Financial Wellness Checkup.
Financial wellness is a measure of your overall financial health. It measures what you own compared with what you owe. If you are negative on the financial wellness scale, then it means that what you owe is more than what you own. Simply put, you are in debt.
If you want to win financially, then you need to get out of debt. You will find this episode beneficial because I’m doing to show you how to get your financial house in order.
So the purpose of today’s episode is to go over 5 tips that will help you achieve financial wellness.
Here's a look at some ways to achieve financial wellness:
1. Become a money manager.
2. Avoid debt like a plaque.
4 STEPS TO FORTUNE (4 STEPS TO FINANCIAL WELLNESS)
A. Save a $1,000 for emergency.
B. Pay off your debts.
C. Build a 3-month reserve fund.
D. Invest 15% of income.
3. Right size your income.
4. Contentment is important.
5. Make your money your slave
In this episode, I shared my thoughts on how to touch people lives, and make them better.
Three possible options:
Better – Whereby you actively and consciously make the lives of the people around you better. Your presence will be forever etched in their memory.
Worse – Whereby people are worse off after meeting you. Your absence brings happiness to others, and they regret knowing you.There is a third option.
Neutral – Whereby you add nothing or take away anything from people around you. You are forgotten, once you are no more in their lives.
Welcome to another episode of the Winners Ways podcast. I am your host, Bola Alabi. This is episode 26 of the Winners Ways podcast, and on today’s show, we will be talking about how to land your dream job. I want you to get hired, and I will be sharing some interview preparation tips with you today. By the way, if you are yet to do so, please go back and listen to episode 25, where I talked about how to write a winning resume. That episode is the foundation of today’s episode.
Interview Prep tips
Congratulations, by now, you have achieved two important things:
Your resume is considered acceptable and fit for the role
You have probably had and done well in a phone interview.
Once you’ve made it through these two rounds of screening, the next round is critical. You need to close the deal. You need to let the recruiter/interviewer know that you are not a fluke, that you are a true representation of your resume and the guy/gal the spoke with on the phone is competent.
To be honest, there are tons of advice out there about best practices for interviews. From whether you should smile or not, what you should (and shouldn’t) wear to the best ways to prepare, everyone aims to perform at their highest professional level when they’re going for a gig they want.
Generally, there are some specific things you should do as you are getting ready for the interview date.
Research the company
Know the role
Don’t be late
Dress for success: Don’t overdress or underdress.
Be friendly – Smile, firm handshake
Hi Everyone, Welcome to another episode of the Winners Ways podcast. I am your host, Bola Alabi. This is episode 25 of the Winners Ways podcast, and on today’s show, we will be talking about how to write a winning resume.
1. What is a resume?
2. What should it contain?
3. What are you projecting?
– Now you are ready to publish your resume and apply for your dream job. Remember though; a good resume is just the first step to landing the job. You will also need to learn about the company, hone your skills, practice for interviews before you can get the job.
– Good luck in your search
– I hope I have been able to serve you with this presentation. Till next time. Thank you!
Truth be told, no one likes rejection. It has the tendency of making someone feel less capable, not wanted, and it can damage one’s morale and ego, if not properly handled. Many people are so afraid of being rejected that they resolve to only do things they are completely sure of being successful at and they ended up clinging to the status quo provided by their comfort zone. People that are afraid of rejection will find it difficult to make the necessary sales call, submit proposals for a bid, apply for certain jobs, write an exam that could potentially help them prepare for their next career move, or even reach out to someone they love to express how they feel. The sting of rejection can be brutal, painful, and highly debilitating. When we are rejected, we can feel isolated and unwanted.
Rejection no matter how painful it can be, is almost an unavoidable aspect of life, especially for those people that aim for growth. Everyone that ever try new things will experience their own share of rejection at a point in their life. I cannot forget in a hurry my own story around rejection. I had just immigrated to the United States after leaving my prestigious job in my home country. Immediately, on getting to my new place of residence, I started applying for jobs in order to continue my career. I had submitted hundreds of applications, and I got called to attend only a couple of interviews. The first set of interviews did not go as planned. I was rejected.
Initially, it was not a big deal to me, but as the number of rejection letters kept piling up, I began to lose faith in my ability to secure a new job. I started doubting myself and the possibility of getting into my desired career field in the country. Several thoughts were coming into my mind on what I need to do so that I can take care of my personal needs and that of my young family. I was going to settle for a job that I truly do not want, but due to encouragement that I received from my wife, I did not give up. I doubled down on my job application and focused intensely on what I truly wanted, and I made a decision not to settle for anything less. Not too long afterwards, my decision and determination paid off, I got not just one offer, but about three different job offers after a few weeks of waiting. I learned so many important lessons from the strings of rejections that I experienced while job hunting.
Many people are at a crossroad of decision making today, they have experienced several rejections in the past. They have been disappointed and heartbroken as a result of being turned down several times. The way you choose to respond to rejection could determine the entire course of your future. You can choose to give up and settle for the status quo, or you can be like me and fight back and not let the rejection stopped you on your path to what you truly want. No one can truly experience real success without first facing some rejections. Martin Luther King Jnr’s dream of an American devoid of racism was initially rejected. Nelson Mandela’s idea to end apartheid in South Africa was vehemently rejected and it led him to jail. But these men did not bow out without some fight, they held on to their beliefs and desires.
Have you given up on what you want because you’ve been rejected several times? Have you lost hope about your dream turning into reality? If so, here are some tips that will help you to deal with rejections.
1. Don't run
2. Ask why
4. Go again
5. Change perspectives.
Your credit score is a very important financial number in your financial life. The higher your score, the higher your chances for qualifying for loans and credit cards at favorable terms which will save you more money. You know I have passion for finding ways to save you more money. If your credit score is not in the high 700, then you need to consider improving it. There are some quick steps you can take to see some quick bounce in your credit score, but it generally takes time to see meaningful improvement especially if your current score is in the low 400’s. I came across an interesting statistics on FICO website about credit score distribution in America:
FICO Score Range
Percentage of U.S. Consumers
If your credit score is below 650, it is considered not good. And this episode is for you.
Approximate Credit Rating
FICO Score Range
800 or above
To start this process, please go to www.annualcreditreport.com. You can request a free copy of your credit report from each of three major credit reporting agencies – Equifax®, Experian®, and TransUnion® – once each year at AnnualCreditReport.com or call toll-free 1-877-322-8228.
After obtaining your credit report, you will be able to review all the information on it. If you have been a victim of ID theft, you can dispute charges, otherwise, if everything is right based on what you know, it is time to improve your credit score. Here are some tips that will help you to achieve a high credit score:
1. Make sure your credit reports are accurate
2. Fix late payment
3. Automate your bills payment
4. Pay off Debt and Reduce your credit utilization rate
5. Limit credit application & don’t close unused credit card
Your insurance premium is definitely one of your monthly bills – you pay insurance on your auto and homeowners’ insurance. Paying those insurance premiums can be expensive and inconvenient sometimes, especially when you are still struggling in your finances. However, insurance your prized possession is a wise thing to do because it protects you and your properties from the risk of loss. Insurance provides peace of mind to you and transfers risks on your properties to third parties. Having adequate insurance is not only smart, but it is also prudent to make sure that you are not overpaying for your insurances so that you can save more money.
In a situation whereby you have multiple options, selecting the right insurer can be a daunting task. Also, there are wide differences in the premiums across insurance providers. That’s good news for you because you are in a position to choose the appropriate company that you want to transact business with.
Here are some ideas that you can use to cut down your insurance premium:
1. Shop around
2. Raise your deductible
3. Reduce optional coverage
4. Bundle your policies
5. Maintain a good credit score
If you are yet to download the 2019 goal setting guide, here is the link:
If you really want to get at it, if you want to become aggressive, if you are sick and tired of paying Sallie Mae, then today’s episode is for you. You are a goal getter, you don’t want to depend on anyone to help you pay off your student debt, you are ready to get out of debt.
This podcast is about education, and I want to empower you by providing information that will help you to succeed in your finance and career.
Here are some creative ways to pay off your student loans:
1. Pay while in school
2. Pay more than the minimum payment
3. Consolidate and refinance your student loans
4. Start a side hustle
5. Reduce your living expenses/Trim your budget
6. Utilize a cash windfall:
7. Apply your raises
8. Pay bi-weekly
9. Let your employer pay
10. Increase your earning
Sometimes in life, we make the greatest forward progress by going backward. —Jack Bogle
He was born in 1929, during the great depression. His family had lost a lot of their wealth at that time. His father lost his job, and he began to drink. His parent divorced when he was a young boy. He started working at age 10, he delivered paper, and he became a waiter just to support his family. Money was scarce for the family, but he was fortunate to get a scholarship to study in Princeton. He had to work while in college, so he started serving food to wealthier kids in order to earn money for his upkeep.
Upon graduation from Princeton in 1951, he began his career on Wall Street with Wellington Fund, a wealth management company. He had a fragile heart, and in 1969 at age 31 He had his first heart attack. He later had five other heart attacks, and he received a heart transplant heart in 1996.
He rose through the ranks at Wellington Fund and became the chairman in 1970, but a mistake on his job with some stock selection led to his dismissal at work. So at age 44, with six children to feed, he was out of job, and also sick because his heart condition was getting worse, sending him to frequent hospital trips. A doctor also told him that he only had a few years left.
Jack Bogle never let his heart condition, or his job loss stopped him. He rebounded, and he founded The Vanguard group in 1975, and in 1976, he created the first retail index fund. He was an outspoken, outstanding, and staunch advocate for the little-guy investor. He led the revolution that took on Wall Street firms and the high fees that they charge investors. He was a champion of super-efficient, low-cost and value-driven investing. He was on the side of the masses, and he dedicated his life to making money for the small investor.
Jack Bogle was an epitome of integrity, through him, millions of people have been able to save billions of dollars every year by buying low-cost mutual funds. He worked hard to return money to investors by bucking the trends of high fee charging wealth management companies on Wall Street.
Here are some lessons from the life of Jack Bogle:
1. Learn from failure
2. Don’t be fazed by skeptics
3. When you are alive, there I still hope
4. Stay the course
5. Humility is a virtue
In episode 16, I shared tips and strategies that you can adopt to plan and pay for college. We all know how expensive college cost is in America. Based on the feedback that I received, I realized that this episode is a preventative measure. It is for people that are yet to get into debt. The reality, however, is that millions of Americans are already in debt.
On today’s episode, I will be sharing tips that will help people that are in student loan debt so that they can get some relief from the nightmare brought about by student loans.
There are two approaches that we will consider.
In Part 1, which I titled, “Forgive us our debt.” I will share “7 different ways you can get your student loans forgiven.”
In Part 2, we will talk about “Creative ways to pay off your student loans.”
Please note, with the loan forgiveness program, you are given something in return. You are not getting free money in any way. You must meet specific eligibility criteria, you may be required to work in certain places for a certain number of years, and so on. In short, you will have to earn it. Also, these apply only to federal loans. The private loans are different ball games.
Without delaying you further, here are my top 7 student loan forgiveness programs that you need to explore.
1. Teacher Loan Forgiveness Program
2. Public Service Loan Forgiveness Program
3. Income-Based Repayment Forgiveness
4. Loan Forgiveness for Doctors
5. Loan Forgiveness for Lawyers
6. U.S Military Student Loan Forgiveness
7. State-based student loan forgiveness programs
In the United States, the FICO score is used to measure consumer risk. The credit score is a very important number, at least if you will need to borrow money. This score is used to gauge your creditworthiness, it shows whether you are a reliable borrower, and it shows if you pay on time, the number of years you’ve carried debt balance and if you have ever defaulted on paying back the debt you owe. Basically, Credit scores help lenders evaluate whether they want to do business with you.
So on today’s show, I will be talking about factors that can affect your FICO score:
FACTORS THAT DETERMINE YOUR CREDITWORTHINESS:
1. Payment History
2. Credit Utilization Rate
3. Length of Credit History
4. Credit Mix
5. New Account
The job market in the USA is tightening up with the unemployment rate at historic low, but there are still millions of people looking for new opportunities. In a competitive world that we are today, as a potential job candidate, you need to be at the right place at the right time to get the right opportunity.
Most of the time, an opportunity will not suddenly knock on your door, you have to go looking for it. It is because of people that are either underemployed or unemployed that are looking for jobs that I made this episode. I want to help you speed up the process of finding your next career move.
So I think the right approach is to narrow down your search by targeting job boards that have what you really want. I want you to use niche job boards that eliminates the one size fits all approach of the traditional job boards. It saves you time as well.
On today’s episode, I will be introducing my top ten job boards that can speed up your job search process.
Here are my top ten job boards that might be helpful if you are considering a move and if applicable to your line of career:
If you live in America, you will know that the college education cost is astronomically high, and it is ever increasing. Many people go into debt to acquire a college education, and many people struggle for the rest of their lives to pay off their student loans. The total student loan in America is currently over 1.5T, and it continues to increase. I have read about people with student loans in their 60’s and 70’s. These are the age when people are supposed to be planning for their retirement. Now, if you are still paying for student loans at age 60, how then can you retire confidently at age 65?
On today’s show, I quickly want to share some lessons from a story that I read in an article in “Money” magazine about a middle-class mom with four children in college at the same time planned to pay for college without borrowing any money. I think we can and should learn from here.
Here are some tips that can help you to plan and pay for college tuition:
1. Start Early
2. Be Flexible
3. Strive for excellent academic performance
4. Cut down your living expenses
5. Sharpen your research skills
Please listen to this episode to learn the detail. Transcript of the podcast is available at www.winnersways.com
As you know, this podcast is for everyone who wants to succeed and win in their career and finances. So welcome to Episode 15 of the “The Winners Ways Podcast, and today’s title is “How to find your purpose at work”.
By the way, if you have not already listened to my episode on “Living on purpose”, please go back and listen to episode 1 where I explained how to live on purpose.
I recently published an article on LinkedIn, that I titled “Paycheck does not preclude purpose,” it is on how some people mistakenly take employees earning salaries as not having a purpose. Some erroneously assume that having a purpose is all about doing big stuff, like feeding the poor, donating money to charity causes, establishing a foundation to fight diseases. Don’t get me wrong, these are great things to do, but we all will not do that.
So do you know your purpose? Are you living and fulfilling your mission on this earth? I want to help you to discover a purpose at what you do. Yes, it is possible that you are passionate about some other things in your life that is different from your profession, but this particular episode is about finding your purpose at work.
I have other aspects of my life that I enjoy as well. I am a soccer coach, life coach. I write blogs. I’m an author. And I make this great podcast to educate people about how to optimize their career and finances.
Without wasting your time further, here are the five questions that you need to ask yourself in order to discover your purpose:
Who are you?
What do you do (what you love to do)? What do you feel qualified to teach others?
Who do you do it for?
What do they want or need?
How does it change people’s lives? How did it transform people’s lives?
Everyone loves and crave for relevance. And relevance comes in different forms. It is about giving attention, being connected, and becoming significant to other people. If you are married like me, relevance to your spouse comes in the form of attention. That’s why it is not unusual for a wife to ask for quality time from the husband from time to time. What she wants and what she is asking for is relevance. And this can be vice versa as well. When a wife gets too busy, the husband can want and demand attention as well.
At your place of work, when you receive some reward or recognition, it shows that you are relevant. Companies, these days can choose specific areas to locate their business for strategic purpose. For example, Amazon HQ2 recently moved to New York because the city is relevant for their growth strategy. Apple announced that it is opening a billion-dollar campus in Austin, a move that shows that Austin is pertinent to their business. Why not New Orleans or Houston. By the way, I would have loved them to come to Houston.
So the question becomes, how can you as an individual become and stay relevant in your career, and family life? I have three quick tips to share with you today, and I believe if you can follow these tips, you will be able to establish your relevance wherever you find yourself.
1. Love what you do, and do what you love.
2. Be hungry and stay passionate
3. Pursue excellence relentlessly
On today’s episode, I will be introducing the new changes that come with the “Tax Cuts and Jobs Act of 2017. And what you should expect.President Trump signed the Tax Cuts and Jobs Act on December 22nd, 2017. It cuts individual income tax rates, doubles the standard deduction, and eliminates personal exemptions. The top individual tax rate drops to 37 percent from 39.6%, while the lowest individual rate remains at 10%. The Act cuts the corporate tax rate from 35 percent to 21 percent beginning in 2018. The corporate cuts are permanent, while the individual changes expire at the end of 2025.As a result of the new law, The Internal Revenue Service (IRS) has announced the annual inflation adjustments for more than 60 tax provisions for the year 2019, including tax rate schedules, tax tables, and cost-of-living adjustments.
Here are some changes you need to note:1. Tax Brackets and Tax Rates. There are still seven (7) tax rates. They are: 10%, 12%, 22%, 24%, 32%, 35% and 37%2. Standard Deduction Amounts. The standard deduction amounts will increase to $12,200 for individuals, $18,350 for heads of household, and $24,400 for married couples filing jointly and surviving spouses.3. Home Mortgage Interest. You will be able to deduct mortgage loan interest on your home - up to $750,000 ($375,000 for married taxpayers filing separately). 4. Child Tax Credit. The child tax credit has been increased to $2,000 per qualifying child from the current $1000.5. Adoption Credit. For 2019, the credit allowed for an adoption of a child with special needs is $14,080, and the maximum credit allowed for other adoptions is the amount of qualified adoption expenses up to $13,810.6. Student Loan Interest Deduction. For 2019, the maximum amount that you can deduct for interest paid on student loans remains $2,500. Phaseouts apply for taxpayers with Modified Adjusted Gross Income (MAGI) more than $70,000 ($140,000 for joint returns), and the deduction is completely phased out for taxpayers with MAGI of $85,000 or more ($170,000 or more for joint returns).7. Health Savings Accounts (HSA). For 2019,
HSA Contribution LimitsThese are the maximum contributions to a health savings account for 2018:• $3,450 for individuals (up from $3,000 in 2017).• $6,850 for families (up from $6,800 in 2017).• If you're 55 or older, you can make an additional catch-up contribution of up to $1,000.
8. Foreign Earned Income Exclusion. For tax year 2019, the foreign earned income exclusion is $105,900, up from $103,900 for tax year 2018.
Your career is an integral part of your life because you spend the most part of your waking days working to earn a living. Just as it is crucial to do what you love in order to enjoy your career, having the necessary skills to perform the work is also critical to achieving success in your career line. The other component that can help enjoy long-lasting success in your job is to have the soft skills needed to work along with others and enhance your productivity. Soft skills are your personal attributes or characters that enable you to interact effectively and harmoniously with other people in your organization. They include such qualities as good communication, team spirit, curiosity, and ability to exert influence in the organization.
Having the right experience and qualifications will help you land the job, possessing the core soft skills will take you further ahead of your peers and help you have a fulfilling career life. Your experience and qualification tell the employer what you can do, they are your hard skills and it expresses your intelligence quotient based on the assigned tasks. Your soft skills, on the other hand, is all about attitude and personality, it expresses your emotional intelligence. During job hunt, your I.Q will help get you into the company, but your E.Q will help sustain and help you grow in the company.
Here are my top 5 essential qualities needed for a successful career:
1. A Curious Mind
2. Good Communication Skills
3. Influencing Skills
4. Courage & Confidence
It is no news that millions of Americans live paycheck to paycheck. According to a recent publication on CNBC, about seventy-eight percent of full-time workers in the country said they live paycheck to paycheck. About 10 percent of those that earn $100,000 or more say they can't make ends meet, and most of the workers said they are in debt and they do not know how to get out of their debt.
There are many reasons why people are struggling in their finances, the humongous amount of debt that Americans carried is the major one. The total U.S household debt has surpassed $13 trillion, with over $8 trillion in outstanding Mortgage loans, credit card debt of over $1 trillion, auto loan exceeding $1.2 trillion and student loans of over $1.5 trillion. More troubling is the fact that many of the corporate organizations are sending available jobs overseas to save on cost and return money to the shareowners. Many American workers are overqualified for their jobs but they could not leave because they can't find other options, there are many more people working as freelancers without the benefits that come from established organizations.
This is a precarious and alarming statistics that increases the stress in our society, and it must be promptly addressed. In my ebook, "Money Equation," I wrote about two sides to the money equation, the income side and the expenses side. I explained how to reduce monthly expenses to have more money at the end of each month. In this post, I will be sharing 10 ideas that you can leverage to make extra income at the end of each month. If you are currently struggling to meet up with your monthly financial obligations, these ideas will help boost your income so that you can start living without financial worries that have pervaded our country.
Here are my top five ideas that can generate extra income for you:
1. Rent out your home
2. Rent out your car
3. Drive with Uber/Lyft
4. Sell Online
5. Become a freelancer
Asset and liabilities are the two terms that you need to know when we talk about money management. And having the knowledge of the differences between the two can help you properly plan how and where you spend your money.
In a layman term, an asset can be defined as something that puts money into your pocket or bank account.
Liability, on the other hand, can be defined as something that takes money from your pocket.
Quote of the Day:
You are your greatest asset. Put your time, effort and money into training, grooming, and encouraging your greatest asset. Tom Hopkins
Questions of the Day:
Let me know examples of assets or liability that you have. I want to know your most prized asset and the liability that is giving you a sleepless night. Use #AssetI’mProudof or #Liabilitytogetridof in the comment section.
I hope that you will rise up and step up and start making intentional decisions that will help to take you forward in your life and never have to settle for a less desirable experience. You will make mistakes when you aim higher and get out of your comfort zone, but your mistakes also provide learning opportunities. Settling will prevent you from living your life to the fullest, so keep exploring and continue to aim high.
Episode 8: Create your own life.
Jeremy Ryan Slate – Create your own Life
I am thrilled to welcome my guest on today’s show. He is a Podcast Expert, Entrepreneur, Mentor, Brand guru, and Public Speaker. He is the CEO, and Co-Founder of “Command Your Brand Media” a podcast publicity agency that help to get thought leaders on top-rated podcasts.
He has featured in many magazines such as inc, Forbes, and BuzzFeed.
Brandingis very important. Your brand is your reputation. All over the world, corporate organizations spend billions of dollars annually in promoting and protecting their brands. That’s why companies like Coca-Cola, Microsoft, Apple, Mercedes Benz and so on are very popular around us.They build and protect their brands.
As an individual, you also have your brand to protect. Oprah’s name is a big brand.
Because I truly believe in the positive impacts that books can have in readers lives. It is to this end that I am starting a new tradition whereby each year I will the books that inspire me most to you my audience. It will be titled “My Summer Reading List.
Grab the books here:
Get Your Hopes Up
The Richest Man in Babylon
The Total Money Makeover
Today’s book happens to be in the personal finance category, and the motivation behind this was from one of the article that I recently published on “Five Awesome Ways to save more money”. Based on the feedback and comments that I received on the article, I realized that the subject of money management is very important to many people, and I think we can all learn a thing or two from this great book.
She came from a middle-class background. Her family is academically inclined one, but somehow, she appears to be the odd one out in her family. To the family, education is the key to achieve success. Her parent did everything they could to ensure that she gets a college education. She could not pass her high school exams and so the dream of going to college abruptly came to an end. She was perceived as the black sheep of the family, some even call her a “dullard” She was sexually abused at a young age by some family members. She lost her self-esteem as a result of this awful experience. There was a point in her life she thought she could not amount to anything.
We all have goals, plans and objectives we want to achieve. Whether it is finishing your college education, lose weight, get shape, quit smoking, quit drinking, eat healthy, learn how to play piano, running on the treadmill to shed some weight, get out of debt, starting and growing a business, or as a matter of fact, you may have a goal of building a solid retirement savings. There is a timeframe between when you made the decision to achieve something and the final actualization of the goal. During this waiting period, you may not see or notice any outcome yet, If it is a business, you may have just one paying customer. You may encounter challenges, even doubt your plans, or even feel frustrated, and you may be tempted to give up. What do you? Do you give up, pack up and quit? Or do you persevere?
Some people find it easier to determine what they are meant to do in life. They are just so sure and confident of the path they need to tread in order to create the life they desire. That’s why we hear about people like Mark Zuckerberg of Facebook and Bill Gates of Microsoft actually dropped out of college to focus on their path.