Wednesday 4 October 2023



Most people feel that success in business is dependent on how you respond to change, whereas many success stories show that successful businesses build business models based on satisfying needs that will not change over the next  ten / fifteen / twenty years.

Many years ago Amazon's founder and CEO Jeff Bezos wrote, 'I very frequently get the question: *'What's going to change in the next 10 years?'*

And that is a very common &  interesting question; 
I almost never get the question: *'What's NOT going to change in the next 10 years?'*

And I submit to you that that second question is actually the more important of the two -
Because you can build a business strategy around the things that are stable in time.

In the retail business, we know that, Customers want low prices, and I know that's going to be true 10 years from now. 
They want fast delivery; they want a vast selection. 
It's impossible to imagine a future 10 years from now where a customer comes up and says, 'Jeff I love Amazon; I just wish the prices were a little higher,' or'I love Amazon; I just wish you'd deliver a little more slowly.' 

That's impossible and so the effort we put into those things, spinning those things up, we know the energy we put into it today will still be paying off dividends for our customers 10 years from now. 

When you have something that you know is true, even over the long term, you can afford to put a lot of energy into it.

Most things don't change, 
In our business of Wealth Management, we know that the need for financial goal planning will never change, human biases related to money matters & decisions will never change *as basic human behaviour doesn't change,* thus our business is built on how to help clients with these aspects & make their financial journey toward achievements of goals very smooth.

*Identify the things that don't change and focus on them to achieve success and stay blessed forever.*



Saturday 24 June 2023

#Four types of #intelligence

"According to Psychologists, there are four types of Intelligence: 

1) Intelligence Quotient (IQ)
2) Emotional Quotient (EQ)
3) Social Quotient (SQ)
4) Adversity Quotient (AQ)

1. Intelligence Quotient (IQ): this is the measure of your level of comprehension. You need IQ to solve maths, memorize things, and recall lessons.

2. Emotional Quotient (EQ): this is the measure of your ability to maintain peace with others, keep to time, be responsible, be honest, respect boundaries, be humble, genuine and considerate.

3. Social Quotient (SQ): this is the measure of your ability to build a network of friends and maintain it over a long period of time.

People that have higher EQ and SQ tend to go further in life than those with a high IQ but low EQ and SQ. Most schools capitalize on improving IQ levels while EQ and SQ are played down.

A man of high IQ can end up being employed by a man of high EQ and SQ even though he has an average IQ.

Your EQ represents your Character, while your SQ represents your Charisma. Give in to habits that will improve these three Qs, especially your EQ and SQ.

Now there is a 4th one, a new paradigm:

4. The Adversity Quotient (AQ): The measure of your ability to go through a rough patch in life, and come out of it without losing your mind.

When faced with troubles, AQ determines who will give up, who will abandon their family, and who will consider suicide.

Parents please expose your children to other areas of life than just Academics. They should adore manual labour (never use work as a form of punishment), Sports and Arts.

Develop their IQ, as well as their EQ, SQ and AQ. They should become multifaceted human beings able to do things independently of their parents.

Finally, do not prepare the road for your children. Prepare your children for the road."



Friday 2 June 2023

#Separate #Facts from #Problems


*Separate Facts from Problems*

Many negative emotions are triggered by an inappropriate overreaction to an unexpected setback or difficulty.

It is vital that you carefully analyze a problem when it occurs to ensure that you thoroughly understand it and what you can do to deal with it or resolve it.

Make the distinction between a fact and a problem. The difference is simple. A fact is something that is unchangeable

Your age is a fact. The weather is a fact. Certain things just are, They cannot be altered. They are facts.

One of the keys to happiness is to resolve to never become upset or angry about a fact. Just as you do not become angry at physical things, like a piece
of furniture because you bumped into it, you do not become angry or upset about facts. You simply accept them and adjust your life and activities around

What, then, is a problem?

A problem is something you can do something about.
A goal unachieved is a problem unsolved.
An obstacle in your path is a problem unsolved.
You can focus your intelligence and ability on solving problems and achieving goals.
Problems are simply challenges that you deal
with as you go through life.

There are two time periods in your life: the past and the future.
The present is a single moment passing between the two. Into what category of time do we put facts, and into what category do we put problems?

The truth is that most facts that make you unhappy exist in the past.

Something that happened in the past is a fact. It is unchangeable. This is important to understand because many people are miserable and unhappy in
the present because of something that did not work out the way they expected it to sometime in the past.

But because it happened, or didn't happen, in the past, it is now an unchangeable fact. It does no good to be upset about a fact.

A problem exists in the future. A problem is an issue that you can do something about. This is an area where you can focus your intelligence and ability into achieving a different result.
A problem, the future, is under your control, and its outcome is determined by what you do in the present

Separate Facts from Problems & stay blessed forever.



Sunday 9 April 2023


*What Are You Worth?*

Self Worth

In a brief conversation, a man asked a woman he was pursuing the question:"*What kind of man are you looking for?*"

She sat quietly for a moment before looking him in the eye & asking, "*Do you really want to know?*"

Reluctantly, he said, "Yes." 

She began to expound: 

"As a woman in this day & age, I am in a position to ask a man what can you do for me that I can't do for myself? 

I pay my own bills. I take care of my household without the help of any man.... or woman for that matter. 

I am in the position to ask, "What can you bring to the table?"

The man looked at her. Clearly he thought that she was referring to money. 

She quickly corrected his thought & stated, "I am not referring to money. I need something more." 

"*I need a man who is striving for excellence in every aspect of life.*" 

He sat back in his chair, folded his arms, & asked her to explain. 

She said:

"I need someone who is striving for excellence mentally because I need conversation & mental stimulation. I don't need a simple-minded man. 

I need someone who is striving for excellence spiritually because I don't need to be unequally yoked...believers mixed with unbelievers is a recipe for disaster. 

I need a man who is striving for excellence financially because I don't need a financial burden. 

I need someone who is sensitive enough to understand what I go through as a woman, but strong enough to keep me grounded. 

I need someone who has integrity in dealing with relationships. Lies and game playing are not my idea of a strong man. 

I need a man who is family-oriented. One who can be the leader, priest and provider to the lives entrusted to him by God. 

I need someone whom I can respect. In order to be submissive, I must respect him. 

I cannot be submissive to a man who isn't taking care of his business. 

I have no problem being submissive...he just has to be worthy. 

And by the way, I am not looking for him...He will find me. He will recognize himself in me. He may not be able to explain the connection, but he will always be drawn to me. God made woman to be a helpmate for man. I can't help a man if he can't help himself." 

When she finished her spill, she looked at him. 

He sat there with a puzzled look on his face.

He said, "*You are asking a lot.*"

She replied, "*I'm worth a lot.*"