2017 SHM Weekly Wisdom Titbit_Week 1_Imagination.

Week 1. IMAGINATION.
Imagination is its own form of courage. God Himself admitted that can do anything you envision possible! To lack imagination therefore, is to be without concrete hope for success.

 
Dream dreams, dream them big.

Imagine yourself getting that job; achieving that goal, that objective.

Place yourself in that role in your mind.

Let the picture of it be seared in your consciousness.

 
That was exactly how God recreated the world as we know it! Stop cheating yourself, IMAGINE! Those who call you crazy now will be the first to celebrate you!
You shall excel In Jesus’ mighty name. We love you!
January 3rd 2017. Salvation House.

 

2016_Critical Thinking: a sine qua non for Success.

If anyone were to ask all of us this question – “are you intelligent?”, some will be angry, some will be amused, while many more will immediately retort, “yes, what do you think?” The reason for most of the aforementioned reaction would be “well, I can read and write, can’t I?”. Some might even reckon, “I see trends, don’t I?”

My dear friends, the truth of the matter is that intelligence is about more than simply finding out facts or ‘seeing trends’. It’s more about properly analyzing those facts and trends; so that you’re positioned before the fact or trend to know what to do per time!
For example, can you say for a surety that you have an idea of where your personal economy is headed this year? Oh no? Oops, sorry. You see, many had anticipated the current struggles of this economy a long time ago, and are positioned to prosper in the midst of it! 
Another example. Do you have a clue about how that relationship issue currently confronting you will pan out – for you and those around you? 
If anyone of us is honest enough to admit we are not so sure, what are we to do? Increase your intelligence quotient I’d say. But you will be right to ask, “that simple?” Not so simple, I agree. So, you need to learn how to spend quality time in critical analyses of every situation before you venture on anything! You also need to develop personal discipline not to react in a knee-jerk fashion to all you hear, feel and see. Trust me, there is usually more than the naked eye can see, in every situation.
Do not be deceived, or left behind – deep knowledge of things do not just happen. No one is innately wired for it. Not even in Scripture! Because only the deep can call unto the deep. And no human is born that deep. One of the mysteries of the Almighty. 
Unique ideas only come to those whose minds are prepared to (1) grab the enormity of the discovery, and (2) know how to use such information! This unfortunately is the real reason why many of us walk past our miracles everyday! Simple put, critical thinking leads to unparalleled wisdom! Trust me, Solomon in his prime was a deep thinker.
This is an eternal principle, that even God is not immune to! See, it was for nothing that even the Lord Jesus Christ constantly separated Himself from others to meditate! Go back and read what happened after each such recorded separation and meditation. You’d be amazed! It was the reason He had special help from on high so that He could go about doing good, relieving those oppressed of the devil!
The third but oft overlooked key in this wise is the ability to love silence. You will be amazed how many of us hate silence. I am not joking! I met someone who keeps one form of sound or the other blasting around her – at work, at play and even when sleeping! Because she suffered sedate phobia (means fear of silence). She has been delivered now, thank God, and now enjoys a productive life. 
See, because no meaningful work can be done in the cacophony of voices you must learn to separate yourself far from every madding crowd. Hug silent moments with deliberateness. Thinkers of repute love the quiet environment. Unfortunately, many are city people who miss out on the serenity a rural setting affords!
So, do you meditate? How and where do you meditate? How reflective are you? How do you react to facts available at your disposal? Do you try to see beyond the obvious? How well have you been able to do this? What tools do you apply to dig deep? These are critical issues of intelligence that, for most people, have to be learnt. There are principles to these things, and it is your responsibility to find them and apply them. We may be of little help if you wish.
Have a great day, y’all! Go out and prosper, as is your divine lot. We love you.
PS: Test – I deliberately omitted directing your mind to the second key I discussed above. Can you find it? Share it if you did!
© March 2016. Adewale Adeniji/LexConsults/SHM.

SHM SUCCESS TIPS_Not Money, Please.


God has never and will never think in monetary terms. Show me one thing He created with money and I’d shut up. None?
So, I encourage you to stop praying amiss for money. I make bold to say that no amount of night vigils or fasting will put money in your pocket or food on your table. Anybody who teaches you so does not himself understand the way God prospers. Why? Because it is contrary to the principles of our principled God.
Pray instead for ideas. The chair you sit on came from someone’s idea. In fact every raw material God created in this world have made people and nations money because they generated ideas to mine and market them! It is not enough for you, for example to catch game. You must add value to it by knowing how to roast it!
That is the classic problem of developing countries with mineral resources. They have oil, but cannot refine it. They have cocoa but cannot turn it into chocolate drinks. So, they export it to the developed countries who add value to them and sell it back at exorbitant value.
I repeat, pray not for money; instead pray for unique ideas. Like God gave Jacob in Laban’s house; like He endowed Joseph with in Egypt; such as He gave without measure to the Lord Jesus Christ who went about doing good relieving those oppressed.
Think ideas, pray for solution to problems that will make a difference in your environment.
That’s how you prosper, that’s how you conquer poverty. It’s your time to shine and I see the season changing for you.
You shall excel in Jesus Mighty Name.
© February 2016. Salvation House Ministry.

Financial Issues – How You Can Be Debt Free, Part 2.

  
Financial Issues – How You Can Become Debt Free, Part 2.
In part 1, I introduced the topic, made general statements of principle and shared a life defining experience for me, shaped by my Mum. Today, we want to examine tips that should keep you debt free.
By the way, if you are yet to receive my replies to your questions it must be because your correspondence details for reply are not quite right. You may wish to take another look and resend.
Now, there are several definitions for debt, but my personal definition is simple: By their nature, debts are losses acquired ahead of income! Losses because they are more than the income that comes in. Look at the definition again and you will discover my first tip.
(1) Never spend more than you can bring in! Simple right? Don’t count on it! Let’s do a small test. Your income is, let’s say, N150,000 (One Hundred and Fifity Thousand Naira only) per month. After deducting for essentials and running cost, let’s say you have a disposable income of 30% which is N45,000 (Forty five thousand Naira only). What do you do with this? I bet the reaction of some would not be to keep this locked up in savings or investment. More people than I can remember who I have counseled on finance confessed that at the end of the day, this ‘extra’ gets spent – on what they cannot even recall!
So, if you see this disposable income as just that – something expendable, then automatically remove the covering you have to weather the storm of any emergency spending that may arise. Adopt the principle that no income is disposable but extras must be banked!
(2) Never enter into a market (super or otherwise!) without a shopping list. Research has shown that any shopper who does this ends up spending about a third more than is really required! See, entering a market with a shopping list suggests that you already have an idea of how much you really need to buy and spend; and you have no business been in that market if you had not made a list! Why? A lot of impulsive purchases happen from the ‘innocent’ venture of browsing in malls and supermarket! And you end up spending more time than required. So, discipline yourself by making a list and sticking to it. You will cut down on your expenses by at least 30%. I saw my mum do this time and time again, and she corralled my sister and I to make those lists! No wonder it has never left me.
An interesting aside on making a shopping list is that many times I end up buying less than I have written down. For reasons I have not yet fathomed, I just discover that I could even do without some things on my list! Has his happened to you before?
(3) Do a direct debit for savings or investment. A wise tip is to pay yourself first out of every income that you get in. The easiest way to do this is to open a savings/investment account and do a standing order to deduct a percentage of every income straight into such account. Now, this does 2 things for you immediately. First, it grows a safety net for emergencies and/or investment; second, it gives you peace of mind that you are not vulnerable. This cannot be quantified because your mind has leverage that would allow you move on and think more of how to improve your finances.
(4) Do not borrow for consumables. Now, it is practically impossible to do some kinds of business without resorting to funding because of the vast capital outlays involved. 
However, as a private legal practitioner who is privileged to work for financial institutions, one thing I have discovered over the years is that loans and overdrafts easily go bad when same is utilized for consumables. 
Simple put, consumables are expenses that cannot pay for themselves, like salaries, emoluments, automations that do not generate direct income like status cars etc. So, never borrow for consumables. If your borrowings would not add value to you or your business in a way that it will afford a return of investment, do not take that loan or overdraft. My own principle has always been if I can’t find it, I can’t spend it. The money you take a loan or overdraft, the cost of taking that money itself already compounds what you have to pay back. 
Let me give a practical illustration. Imagine you take a loan to buy a bag of rice valued at N10,000 (Ten thou shad Naira only). The moment you take that loan, it becomes N10,000 plus the interest element applicable to the loan. This is the real cost of that bag of rice! Now, if you bought the item to feed your family, then that value is drained because it cannot amortize itself by bringing in money! So, borrowings should only be for production, not consumption.
(5) Cut down or eliminate the cost of cultural pressures. What do I Mena by cultural pressures? Activities that cost us money because we want to be part of a crowd. In Nigeria (as in other parts of Africa and the Caribbean), festive occasions put a lot of pressure on resources. Until my wife and I delivered ourselves from this menace, we have ‘wasted’ resources that otherwise would have added value to our lives! 
Let me be practical. For every wedding, burial ceremony and the like society expects you to buy clothing materials picked by the celebrant – called Aso Ebi in my Yoruba dialect. Now, if you have such ceremonies once a month (although for some this happens every week!), and you buy a piece of 6 yard cloth for N4,000 (at times as high as N25,000 or more!). Multiply that by 12 months and you get N48,000 (Forty-Eight thousand Naira only). This does not include the accessories expected to compliment the material! Do this for 10 years, and you have lost at least N480,000 (almost half a million Naira!). Consider that you invest that same amount in mutual funds! How much return do you reckon you would have made?
No matter your income band, this is money wasted! I have yet to hear a justification that removes the stench of wastage my mind now attaches to this use of resource! The honest truth is that many of us spend ourselves into financial morass unwittingly!
(6) Cut up that Credit card! There is absolutely no commercial sense to spending money you have not yet earned! None whatsoever! 
In economies where credit is liberally accessed, the ratio of users to borderline poverty is high. A study of multi-millionaires in the United States showed clearly that only 5% of the pool those surveyed use a credit card, despite been offered premium service by most card issuers. That is not even the key thing for me. The reason for this was what opened my eyes – those surveyed claimed that they never regard credit card use as Other People’s Money (OPM)! That it cyclically puts active users in debt! Rather, 65% of them preferred debit cards and coupons (say what?!) for their purchases!
So, I repeat my counsel, cut that (or those) credit cards in pieces!
In part 3, I will address how those who may have fallen into a debt trap can successfully come out of it. 
It is my wish that you succeed and prosper. If you think I may be of any help, please get in touch with me. We will share our experience and help you with tips. My contact details are below:
salvationhouse@gmail.com or +2348098445165. You can also like our FaceBook pages – SalvationHouse and Adewale Adeniji_Nation, Heritage, Self – to get regular tips on life issues and success. 
Now go and achieve!!! I love for you to succeed! 
© February 2016. Adewale Adeniji.

Financial Issues – How You Can Become Debt Free, Part 1.

  

We now live in a world where you are constantly assailed with a lot of advertisement, (mostly subtle), where you are surrounded by a plethora of consumer goods and items that appeal to the ego, where you are encouraged to hold plastic credit cards that offer the illusion of instant cash access, where you are required (at times by regulation) to carry debit cards even on saving accounts.
The ultimate effect of all the above on the unwary is a gradual descent into debt, often a lot of debt that way outstrips income. And the capitalist financial doctrine is very unforgiving to a debtor – personal, corporate or national!
By careful choice I have been able to avoid the pitfall of dibilitating debt, despite the fact that I have been a successful business entrepreneur since January 1990 (privileged to grow a business from scratch, employing scores of professionals to boot, without ever failing to meet commitments and more importantly without debt!)
So, I can confirm from personal experience that living a fulfilling, debt free life is possible. And so can you!!!
Also, I need you to know that since 1997 I have carried, and continue to carry credit cards denominated in British pounds sterling and American dollars; and of course, Naira debit cards. Despite these ‘traps’, I can still confirm that a fulfilling life, free of debilitating debt is possible!
If you permit, in this series, I would like to share with you tips that continue to work for me.
But before then, let me share with you an experience I had with my mother (now of blessed memory) in 1982. I was an undergraduate then, the first in fact in my family (nuclear and extended), so I had this attitude of entitlement. For those who remember that period, it was a season where Caudroy trousers was the must get for guys. (If not, don’t worry you missed nothing major!)
Long story short – I needed one and asked my Mum for it. She promised to get me one. And because I knew her never to go back on her word, it was settled in my mind. Or was it? Days became weeks that became months and no pair of Caudroy pants! Can’t she see that I stuck out as a sore thumb among my friends? I tried every trick in my arsenal – constant reminders, grumpy, rude mannerisms, subtle and obvious emotional blackmail, ‘hunger strike’ when she wasn’t looking etc. Still, no dice! 
Was I frustrated! And boy, did I show it… She plainly ignored me. And I couldn’t protest to my Dad! Why do you reckon I didn’t approach the Head Master in the first place for my pair of Coudroys?
After a while Caudroy trousers faded in fashion and Denim jeans came on board. Of course my friends moved on to these new items of choice. Then my Mum bought me two (not one) pairs of Caudroy trousers!!! I mean, who does that?

My reaction? You guessed right!
I was least pleased, and contrary to my home training refused to say ‘thank you’! And I made my feelings known! I mean, what for? Who wears these things anymore? You wouldn’t catch me dead going to FAZE 2 (a popular lounge proximate to the University of Lagos, Akoka where boys had fun) in these trousers – not any more! 
And then she dropped the bombshell – IF AFTER THIS LESSON YOU STILL FOLLOW THE CROWD TO ACQUIRE ALL MANNER OF STUFF THAT ARE HERE NOW AND GONE SOON, YOU WILL FIND IT HARD TO SAVE AND REALLY BE FINANCIALLY FREE!
Viola! I got the lesson, prostrated my apologies and thanks as trained and began to enjoy my largesse! Funny thing though, I thoroughly rocked those trousers, and even my Jeans wearing friends made a detour to their Coudroys once in a while! (Don’t ask me what I did in them – wouldn’t even tell you!)
Let us end it here for now. In part 2, I shall take you on a journey of how to live through this season of ‘free’ credit and remain debt free. Part 3 will deal with how to get yourself out of a debt hole you may have fallen into.
It is my wish that you succeed and prosper this year more than before. If you think I may be of any help, please get in touch with me. We will share our experience and help you with tips.  
My contact details are below:
salvationhouse@gmail.com or +2348098445165. You can also like our FaceBook pages – SalvationHouse and Adewale Adeniji_Nation, Heritage, Self – to get regular tips on life issues and success. 
Now go and achieve!!! I love for you to succeed! 
Copyright emphasized. 

2016_Eagle Metaphor_7 Success Tips

  
2016_Eagle Metaphor_7 Success Tips.
(1) An Eagle creates a niche for itself. It flies alone, at altitudes no other class of Avians do. It doesn’t fly with sparrows or other small birds. 
Tip: Endeavor to fly at higher altitudes. How? By flocking (sorry!) with other Eagles, not sparrows and ravens. Why? Because, like begets like. Keep good company, get credible counsel and direction.
(2) Eagles have an accurate vision. An eagle has the ability to focus on something as far away as 5 kilometers. No matter the obstacle, an eagle will not shift its focus from the prey until it makes a kill.
Tip: Have a clear vision and mission for 2016. Then remain focused like a laser beam no matter what obstacle may arise (and trust me obstacles would).
(3) Eagles do not eat clarion i.e. dead things. They feed only on fresh prey. 
Tip: Do not rely on your past success. Keep looking for new frontiers to conquer. Leave your past where it belongs – behind you. There is a reason why Scripture enjoins us not to think we have attained, but to press towards the mark.
(4) Eagles love storms. When clouds gather, the eagle gets excited. The eagle uses the storm’s wind to lift it higher. It gets into a storm for lifting and once atop relaxes to glide above it, thereby resting its wings and the effort required to flap! Thereby finding rest in a storm! Meanwhile, whilst a storm rages, other birds hide away, giving the eagle a free reign of the roost. 
Tip: Face up to your challenges rather than run from them. This will make you emerge stronger and better than you were before. An the classic theory of elastic expansion kicks in. Let me explain – once an elastic band is over stretched, it takes a new form by becoming bigger than before. Storms, well used, can become stepping stones to freedom and/or more enlightenment. Ask Bro. Joseph. 
(5) Mating Ritual: To commit to starting a family with a male eagle, a female eagle sets a commitment test – a fetch ritual. She plunges to earth with the male in hot pursuit. She picks up a twig and then soars back into the air, to a high altitude where she then drops the twig to free fall. The male is required to chase after to retrieve. Is expected to catch the twig in mid-flight, and fetch it back to the female eagle. The female repeats this test over and over again by increasing the drop altitude. 
Where a male is able to catch up and retrieve successively, then and only then, will she accept him as her mate – for life. Why? To the female, the male eagle has shown commitment.
Tip: Whether in private life or in business, you must test and be sure of the commitment of those you partner with. Critical for your long term marital or business survival.
(6) Eagles’ Training Manual. When it is time to let an eaglet out of the nursery nest, the parent Eagle removes the down feathers and soft grass in the nest to inconvenience the eaglet. It then practically pushes the young one over the edge, encouraging the eaglet to exercise its wings! The parent catches and repeats this process until the eaglet is ready to spread its own wings to soar! Amazing!
Tip: Leave your comfort zone, there is no growth there. Worst case scenario, you would have learnt one more way not to do things! Remember the theory of elastic expansion I explained above.
(7) Regeneration: As an Eagle ages, it’s feathers become weak and this slows it down, threatening its survival. At this time, the eagle retires temporarily to a place hidden away in the rocks, far from prying eyes. Whilst there, it plucks out every feather on it’s own body until completely bare. This is a painful process and its body will be covered in blood. It temporarily appears vulnerable to the elements. The eagle however endures and remains in this hiding place until new feathers grow (as the law of regeneration ensures); then it makes a grand re-entry into its habitat. That eagle then gets to live again for a long time! Studies show that an eagle too week to follow through on this process dies in the hiding place!
Tip: We occasionally need to shed old habits, cast aside some limiting relationships, do

away with things that burden us, or adds little or no value to our lives and purpose. 

It is important that we learn to do this with all the ruthlessness it deserves, enduring temporary pain. We need to be able to burn those limiting bridges and move on! Remember, fortune favors the brave.
Dear readers, it is my wish that you to prosper this year. And I know you have it in you to so do. Why don’t you study more on the Eagle and see what other viable lessons you can learn; so that you too can soar to greater heights this year.
Should you require further help my contact details are below:
salvationhouse@gmail.com or +2348098445165. You can also like our FaceBook pages – SalvationHouse and Adewale Adeniji_Nation, Heritage, Self – to get regular life issues and success tips.
Go and succeed, and when you do help others so to do! We love you!
Copyright Emphasized.

2016, GOALS & YOUR ROLE

  Based on reactions to my last post on 2016, Goals & Imagination, I have decided to do a follow up with this title. Many got in touch with us to know why many set goals do not end in result despite engaging their imaginative powers. Some claim this has lead to frustration; while some have given up. I trust that we should be able to address this issue here with the help of our eternal teacher, the Holy Spirit.
First, let me say this straight away – I am a praying person. Those who know me personally know that I love to pray, and by His grace my life is a testament to the efficacy of God’s manifest assistance through prayers; and I remain eternally grateful for this. 
I need to say this because of my MAIN POINT in this piece, which is :- God will not do for man what He has enabled man to do for himself! And this is where most who set goals miss it. Yes, prayers are efficacious, but to succeed (the ultimate function of set goals), you (not God) has more roles to play! Am I saying you should not pray over your goals? No! Am I saying you should not remind God that you have goals set, and need His help? No!! So what exactly am I saying?
Change the manner of your prayers already! As a vessel, I see many prayers that will not be answered by the Almighty, even if He wanted to! For example, when a person prays for God to ‘make me a millionaire’, frustration will soon set it because that is not God’s job to put physical cash in any man’s pocket! In fact, currency is alien to God’s principles! (Topic for another day, maybe) 
The correct prayer should have been for God to ‘open my mind to unique ideas for prosperity’! Reference Jacob in Laban’s employment. Show me where God ‘made him a rich man by depositing cash in his pocket’ as many pray today, and I will keep quiet. Rather, what happened? God gave Jacob a unique idea to get stripped and spotted cattle! That is the pattern through out scripture. 
Next, spend more time working on your goal(s)! It saddens me today that many religious organizations (both Christian and Moslem) encourage adherents to spend more time in places of worship than in working and meditation on their trades, jobs and professions! Or how else do you explain the plethora of religious services on work days and periods when people should be at work! And a times, several times during one day! 
Do you know what this does? It encourages people to lie and cheat; and no one who does both succeeds in a lasting manner, or gets the help of the Almighty God! See, what excuse other than lies would an employee give to his/her employer for their absence from work during working hours at the same time EVERY WEEK, other than to lie? And that is cheating the employer of time that would be paid for! Yet such people want the help of the Almighty who abhors liars? I don’t see it happening! Another thing you need to see my friends on this point, is that the pastor or imam who calls such prayer meetings during working hours is at his/her own job, while you are not!!!! Time that should be spent in creative contemplation is spent in often raucous gatherings! What imaginative thought could be done there? Beat me o. 
Third, you need to conquer your self – every flesh is prone to indiscipline. Trust me, been there, done that! Switch off that gadget, and spend time in contemplation! There is a reason why the biggest earners are the thinkers not the person of brawn! Thinkers put others to work! It is the way of the Almighty. Read the story of recreation again, how much physical effort did the Almighty God exert? Go through the amazing work of the Lord Jesus Christ, how much physical lifting did He do to calm the storm, to feed over 5000 people with 5 loaves and 2 pieces of fish? Even to raise Lazarus, He ordered others to do the physical rolling away of the tomb stone! My dear friend, learn to think – and this requires disciplining your flesh. Switch off that TV set, and pick up a book. Ignore that WIFI and your smart gadgets, just sit down in meditation! Do you have to attend that party – again? Must you go out – again? These are things the flesh luxuriate in. You have to win that battle friend.
In concluding this piece, you will notice that I have avoided mentioning the steps mentioned in my previous post on “2016, Goals & Imagination”, so please go back to them that piece.
For help please contact us at salvationhouse@gmail.com or +2348098445165. It has come to my knowledge that some may be unable to reach the mobile number. Please leave a text message and we would get right back to you. We promise!
Now go and achieve!!! I love for you to succeed! 
Copyright emphasized. 

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