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10/09/2014

Making Sound Financial Decisions (Part 2).

Whether you are in business or not; whether you have a job or are unemployed; even if you are still a student. You might even be a social entrepreneur, a doctor or a teacher:
You still live in a world, in which everyday, you have to make sound financial decisions. You also live in a world, in which others around you, including local and national leaders, as well as business leaders, must have the capacity to make sound financial decisions, for the well being of all. Ultimately, how sound your financial decision making is, will be seen in the results.

"Time will tell, as they say", whether our two young heirs, (whom I spoke about, in my earlier post), would make sound financial decisions. One is not born, with a capacity to make sound financial decisions, it comes through education, reading the right material, and also training.

Being promoted to a top position in your organisation, or even being elected to public office, does not suddenly endow you with financial literacy, if you did not acquire and develop it, earlier in your life. The Evangelist, Myles Monroe, once said, in one of his teachings:

"The rich man, and the poor man, have this in common; God gives sight to them both."

I have seen people, who inherited greater riches than what these young people got; go on to lose them. Even ending up in debts, that far exceeded what they got in the first place. Poverty, can come at a bewildering speed, if one is careless in the manner, they approach matters of financial decision making. And there is no one who is exempt from having to make sound financial decisions. Even if you are in the village, with a few cows and goats; it is even more critical. I have also seen people who started with very little, go on to create spectacular wealth for themselves and their nations. At the heart of this, is the ability to make, "sound financial decisions". It must be done, each and every day. It must be done for the short and for the long term.

Sometime, when you are on your own, in the quiet of the day, ask yourself this question:
"Am I really making sound financial decisions, in the affairs of my life? Even when I get $25 does it increase or decrease in my hands?".... It always, always starts, with how well you handle, even the smallest sums.

Make a conscious effort, to acquire, and develop, your financial literacy. It does not matter how old you are.... even if you are 63 years old.

To be continued…

03/09/2014

Partnerships. (Part 5): We must always, always respect agreements, and contracts.....

In the book of Joshua, there is a story about a group of people, called the Gibeonites, who managed to secure an agreement with Joshua and his leadership team, by false pretences. When the leadership of the Israelites, discovered what had happened, they were furious. The intriguing thing, is what happened next:

Joshua 9:18-20 (Living Bible, The - TLB)
18 ...... The people of Israel were angry with their leaders because of the peace treaty.
19 But the leaders replied,"We have sworn before the Lord God of Israel that we will not touch them, and we won't.
20 We must let them live, for if we break our oath, the wrath of Jehovah will be upon us."

"These things were written, for our learning";
so what do you learn from this incident, that can be of help to you, in your business, even today?

1. Before you enter into agreements, of any kind to work with other people, you must do your due diligence of those people properly. However once, you enter into an agreement, and you give your word, you must adhere to the agreement, that you signed!
All too often, people try to back out of agreements, they have made if they find, they believe they were misled, or the other party, did not give them the right information about themselves, or even misled them.

2. Adhering to, and respecting an agreement, with a party that you consider weaker, than yourself, is the ultimate test of integrity. It is never about the integrity of the other party... It is about your integrity, that you must focus on.
There is nothing that disturbs me more, than business people, who do not want to respect agreements, they have made, when the situation no longer seems to favor them.
They are people who default on loan agreements, supply agreements, and contracts simply because they consider the other party, too weak, to do anything to them.

Joshua's integrity was tested to the full, when the Gibeonites , were attacked, and appealed for his help, under the agreement.
Now, many people would have said, "this is God's vengeance against those lying cheats, let them deal with it, themselves".............read on!
-Joshua mobilised his army to go out and fight the enemies of the Gibeonites.
-And here is another thing, God joined the fight, with Joshua, to help save the Gibeonites!

When you enter into an agreement, whether it be verbal or written, you must respect it.
- Don't borrow money from people, and when they come looking for their money, you threaten them, and tell them to go away.
- Don't promise your employees salaries, and promotions, that you will ignore, once you get them to do what you wanted.
- Don't strip your partners of their shares, simply because you believe you have more power.

Finally, you must also respect agreements that others have made, before you came. If you buy a business, or property, respect existing agreements, and even titles. If you take over management, or leadership, respect every agreement, made by your predecessors, even if they were not smart agreements, in your opinion.

Time constrains me to tell what happened when a King of Israel, hundreds of years later, ignored this very same agreement with the Gibeonites.

God loves integrity.

The end of this series.

25/07/2014

let us learn the master is here for free

Allow The Business To Be Separate From You.

When most entrepreneurs start their businesses, they are usually very small, and even informal. They work hard, usually with the support of family and friends, without any proper salary structures, or regular payments. Sometimes when they borrow money, they are forced to secure such loans using personal assets, like their home.
This is common around the world.
It can also create serious problems for you, if there is a downturn in the economy, or if something goes wrong.
I once went through a very painful experience, when one of my businesses, was forced into bankruptcy. Some of my creditors took me to court, and were given orders to attach the assets of the business, as well as my own personal assets, including our family home, and car. They were all auctioned. It was a bitter, learning experience, which I would not wish on anyone....
So what do you do?

To begin with, do not operate your business informally. Register it properly, as a "limited liability" company, with the assistance of a lawyer. Make sure you purchase a of copy of your country's company code. Every self respecting business person, should have a copy of their country's company code.
Under that company code, your business is a "legal personality", separate from you. Make sure you fully understand what that means. And please don't bombard me, with questions about it; its your homework.
Since we first talked about it, you should be working with a Book keeper, who helps you with your accounting records. And if you are bigger, hire a full time accountant.
You should have a lawyer that you meet regularly, at least once a month, to talk things over.

Always, always, always.... Know your rights, under the law. And do not be afraid to enforce them, even when dealing with a government department.
Make sure you have a relationship with a professional lawyer, who makes time for you, and enjoys business matters, rather than criminal law.
With your book keeper, sit down and agree how much salary, every person gets. With the assistance of your legal advisor, draw up a simple contract of employment for everyone, including yourself, and your relatives, that are employed in the business.

Be modest in what you pay yourself, and do not exceed it.... It does not matter how small your business, or social enterprise is: do it, otherwise you will never grow into a big organisation.
Think of your business, like a it were a "person", quite separate from you. Starting a business, and growing it, is rather like having a child, and raising it to adulthood. It goes through exactly the same phases:
there is a baby phase, an infant phase, school going phase, adolescent phase, young vibrant adult, and mature phase. The successful entrepreneur, is one who ultimately understands each phase, and helps the business to grow into a healthy, and independent adult, who can also take care of its parents.

Finally, be sure that you meet your obligations as a citizen. Pay your taxes, both corporate and personal. It does not matter, that some of the biggest guys that you know don't pay taxes: shame on them... You are better than that, because you are a "nation builder".
End.

23/07/2014

Medical waste management at its best

11/06/2014

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11/06/2014

Live, then, and be happy, beloved children of my heart, and never forget, that until the day God will deign to reveal the future to man, all human wisdom is contained in these two words, 'Wait and Hope.”
― Alexandre Dumas, père

21/05/2013

the human capacity for imagination not only shapes our minds, but also weaves the fabric of reality itself

12/05/2013

Choose and we will deliver

12/05/2013