How to make and keep making More Money this Decade!

What better way to begin a new decade than to educate yourself about financial Independence! As you may already know, aside time, money is one of the resources that you must manage wisely in order to attain some of your life goals. In line with this, about 20 people converged at the HMI Management Services Training Center to learn about how to set and achieve your financial goals on Saturday, 11th January, 2020.

Know your Present State

The session began with a word of prayer. Mr. Albert Kusi, an experienced investment consultant, began by saying the first step to financial independence is to assess you current situation. Here, he meant knowing your asset base and your net worth at present. In line with this, he said you have to know your net worth which is assets minus liabilities. Under knowing your assets, he made mention of investment, cars, clothing etc. He then continued by asking if clothing falls under assets. In response, a member of the audience said no but then another person said clothing can be considered as asset only if it can generate income for you. Mr. Kusi then said it’s very debatable as to whether clothing is an asset or not. He then continued to say all things you believe are yours (the things you own ) are your assets.
Liabilities are people and things you owe. He then continue to say that owings is not just about loans but can be borrowings and all other things you believe are not yours. He said if even you stay with your parents, it can be considered under liabilities in that the person who has rented his place might have a higher net worth than you. In essence, he said, liabilities are not just owings but all the things that are not yours. So your total assets less your total liabilities equals your net worth. He then gave a scenario by saying you have if you have GH¢1000 in your savings account, GH¢500 in investment, you have a laptop, a phone etc., it’s important to know all these these things fall under your assets. You need not to have all these things in liquid (cash) to become assets. Fixed assets plus current assets equal your total assets, less your liabilities gives you net worth.
Set SMART Financial Goals
In order to achieve financial independence, you need to assess your your asset base currently in order to set SMART goals. SMART, he said, is an abbreviation for Specific, Measurable, Attainable, Realistic and Timeable. In order to set SMART goals, your current situation needs to be assessed. For example, if you have GH¢500 in your account, how come you want to end the year with GH¢1m in your account, what are the things you need to put in place in order to achieve the stated goal.
The first step in setting and achieving financial goals is to assess your current situation. When you are able to do that, it gives you a fair idea as to how to set your goals. It’s important to set a goal but you need to be disciplined. He then continued by outlining what you must do to achieve your financial goals:
  1. “You must not put all pressure on your job to achieve your financial goals; get multiple streams of income,” he said. It’s not your company’s responsibility to help you achieve your financial goals; you need to set your priorities right. “Be careful you are not under pressure when dealing with financial goals,” he cautioned. When dealing with financial goals, you must;
  • Avoid pressure
  • Live within your means; don’t spend more than you earn.
  • Avoid unnecessary spending. Desist from buying things you don’t really need. “Don’t change your lifestyle when your income changes,” he cautioned again. Here, he meant upward movement of salary. Plan for unforseen circumstances.
When dealing with setting and achieving financial goals, observe the following;
  • Assess your current situation which has early on been explained.
  • Set a financial target for yourself
  • Devise a plan for your target. Let your budget give you an idea of how to spend, pay attention to your spending.

Save & Invest Wisely

To talk of investment which is the next point, he cautioned the audience to know the difference between investment and savings. People keep so much money in their savings account instead of pushing it to an investment account.
  • Pay yourself. Here, consider ‘pay yourself’ as a replacement for the word investment. Don’t ignore family entirely when dealing with financial goals. He cautioned participants not to be greedy in their quest to earn money and achieve financial Independence in that people look for high risk investment with high benefits instead of low risk investment with moderate income or benefits. “Diversify your portfolio,” he said. Value mobile money because it can cause you to spend more than you have planned.
  • Learn to start small.
  • Get a financial advisor. Find out all your streams of income. He ended by saying participants can invest in collective investment schemes which include mutual funds and unit trust funds. There is less risk in doing this investment in that people pool resources together to do this investment.
The program ended with a closing prayer by a participant.
What a marvelous way to begin a decade.

This report was written by Gabriel Narh Tetteh, a level 100 Business Administration student of the Kwame Nkrumah University of Science and Technology (KNUST).

Hobbs & Shaw: A Leadership Parable in its own Right

I’m not one to immediately go in for a movie upon its release or primiere but I seem to have done some of that this year alone. First, it was with Spiderman: Far from Home and now Hobbs and Shaw. If you have ever watched any of the Fast and Furious movies and are a fan of Sci-Fi and “action”, Hobbs and Shaw is your movie! My objective is not to hype the movie in this post but to simply extract some precious gems from the reel of this epic flick!

I like to call this movie a leadership parable in its own right! Just so you get a background to the movie, let me give you a brief summary. The movie opens up with MI6 agents trooping into a facility to secure a lethal bioweapon. Shaw’s sister, who is one of the MI6 operatives, obtains the weapon after slaying the guards on site. Just as she is about to leave with her team, these guys in black storm the place and begin to slaughter the MI6 people. Then appears this AI-powered cyborg who had a bullet to his head and two to his chest prior to his “resurrection.” Shaw’s sister notices she has to run for her life so she does, with urgency. Knowing she can’t get the weapon to safety without being killed, she injects herself with it and off she goes!

That was when these sworn enemies, Hobbs and Shaw, are chosen by two separate agents in two different countries to WORK TOGETHER on the case! How in the world would that work?! Well, if you are to watch the movie, you will know. Point is, if you have not watched the movie, I wouldn’t want to spoil it any further for you! So here goes 7 treasures distilled from Hobbs and Shaw:

1. Strategy is key in winning the war.

A couple of months ago, I got sucked into the essence of a verse of Scripture in Ecclesiastes 9:18. It says, “Wisdom is better than weapons of war:…” How true! Hobbs went back to his family in Samoa in a bid to mobilize help to defeat the demented cyborg being controlled by Eteon. Upon arrival, he checked on his weapons stash only to find out his mum had disposed them off. How were they going to defeat an army of men possessing the most-technologically advanced weaponry in history? I mean, literally, their guns are activated by a chip, meaning you cannot shoot with it if you do not have the chip!

But Hobbs, with only the tools of a mechanic and a team of mechanics, managed to overpower this AI-powered army! How? By a well-calculated strategy. I was highly fascinated by the scene in which they made a long chain of their cars in their bid to get the helicopter not to fly away!

What I learnt was that with the little you have you can still win the war! That mountain in front of you can be levelled if you plan and strategize properly. Your business can succeed despite your few resources. Think. Read. Explore. Research. Base your decisions on objective data. Use the little you have to obtain your goal!

2. The bond of unity is so important

Remember those guys who decided to build a tower that would reach the heavens? God said of them that nothing they had imagined to do would be withheld from them. Why? Because they were one. Unity is so critical to the success of any enterprise. Those Samoan mechanics spoke one language. Their minds were synced!

Seeing the same thing as your leaders, saying the same thing as your leaders and doing the same thing will always bring forth good success!

As Jesus said, “…I do nothing of myself; but as my Father hath taught me, I speak these things.” (John 8:28)

3. The leadership of a mother

Hobbs’ mother rallied those Samoan mechanics to turn those AI-powered soldiers to smithereens! Her stentorian voice commanded them to go forth in boldness! In every organisation, have at least one strong woman to lead at least one team. The results are astounding! Ask Bishop Dag!

4. The love of a mother

After 25 years of abandonment, your son returns home, not to render an apology but “to save the world.” What would you do?

Never once did I see her even criticise Hobbs for his neglect of the family. She received him lovingly and on top of that, she shut his brother up when he declined to help him.

Make room for the inadequacies of your subordinates, OK?

5. Teamwork makes the dream work.

I told you that Hobbs and Shaw were sworn enemies. By the time that they were in battle with that psycho cyborg, they had put aside their differences. Why? Because they had to defeat the common enemy: the main threat. How often we bicker and fight amongst ourselves while our common enemy laughs uncontrollably at our folly!

When Hobbs and Shaw worked together in defeating that AI-powered cyborg, they managed to disrupt his AI capabilities that were calculating their moves and enabling him to evade their every move.

Put away your petty differences and work as a team in the organisation and the dream will work.

6. Communication and reporting are essential.

Something worth learning I saw the cyborg doing was he gave an update on his progress. He hinted his plan but then Eteon told him plans had changed.

I love what that Roman Centurion told Jesus when he asked Him to heal his servant (see Luke 7:8). He said to Jesus, “I am a man under authority…” He realised that the only reason for his authority was that he was under authority. What makes your authority legit is the fact that you are submitted to legitimate authority.

Reporting and communication with superiors are key because that’s how you know whether you’re on course with the mission. Objectives may change.

That’s why prayer is so essential. Don’t rely on that which you received a decade ago to determine what to do now- there may be a little tweak in your current objective pertaining to that assignment you have. Pray! Fellowship with the Holy Ghost!

7. He who resurrects you masters you

That AI-powered cyborg thought he was immortal until Eteon pulled the plug!

Whomever you submit yourself to to receive from controls your future.

If you trust Jesus to give you eternal life, you are eternally His. That means you are no longer yours. You are not your own master anymore. He is now your Lord!

On the other hand, all the devil has to offer you is temporal and fleeting! It will all pass away!

Make Jesus the Lord of your life and receive eternal life and your resurrection will be a genuine one!

You wouldn’t have to die twice!

52 Important Books to Read in 2019

Reading is a good habit I am glad that I formed in my early teen years, even though it was quite difficult to acquire at first. As you may know, “Good habits are difficult to form but easy to break.” As a result, I am very particular about my reading habits and I make a big deal of it. If I go a day without peering through some text of some sort, I feel something is missing in my day. Of course, quiet time in the Word and peering through messages on social media may give you a feeling that you have read something. However, I think that’s not enough.
This year, one of the things I have decided to do is to be intentional about what I set out to do. I have noticed that too often we seem passive about what we claim to be our goals for certain seasons of our lives. So, let’s be intentional about our reading!
The year seems long at first glance and huge goals and targets may seem impossible to achieve but breaking them down into manageable timelines will help you to fulfil them.
For some time now, I have wrestled with the thoughts shared by Strive Masiyiwa in one of his articles. He said if you want to really lead, you must read AT LEAST a book a week. I have not yet brought myself to attain that goal but each month, I have a reading goal of at least one book.
So, I want to share with you my list of 52 books I am committing to read this year. As you know, there are 52 weeks in a year so one book for each week of the year will do. Mind you, Week 1 is already in motion.
Here’s my list:


The Old Testament of the Holy Bible
Last year, I set out to read through the Bible cover to cover day by day through the year. Using my One-Year Bible, I gradually made significant progress and missed many days (in my bid to make up for the previous missed ones), thus piling them up into many weeks. So eventually, I skipped quite a number of portions of the Bible.
After I got saved, God inundated me with a great hunger for His Word. I recall how much I enjoyed the New Testament, savouring it entirely until I ‘finished it.’ But for some strange reason, I didn’t want to get out of the New Testament, I could read the same portions in the New Testament every day I woke up to read my Bible but it seemed as though I was averse to the Old Testament. Unless we turned to a text in the Old Testament at Church or there was a reference to a portion in the Old Testament from my Devotional, I’d stay in the New Testament.
So one night, I had a vision or dream or whatever you want to call it (but it was spiritual) and I knew it was the Lord speaking to me. He admonished me to read the Old Testament. That experience has stuck with me since, and so whenever I have the temptation to neglect the Old Testament, I remember it.
In fact, the Old Testament is replete with so many New Testament realities that are simply veiled.
So the Old Testament for me is a big deal. Since I could not fully capture its essence last year, I have determined to not just read it but to study it through this year.
I figure that my Daily Readings were inconsistent mostly because of the length of the portions. Sometimes, they were quite long. But that’s not an excuse- I have to make time for it.


What Happened from the Cross to the Throne
This amazing treatise by E.W. Kenyon gives you an in-depth exposé on the Pauline revelation of Jesus’ entire death, burial, resurrection, ascension and enthronement.


Living a Life of Fire
If you were to ask me what gift I wanted for my 25th birthday, I wouldn’t blink before shouting this title. Since its release, I have yearned to have my own copy to read. Though quite a huge volume of over 600 pages, I believe its contents are full of life and power.
Living a Life of Fire is Evangelist Reinhard Bonnke’s autobiography.


Live before you die
This is another riveting title I’m absolutely awe-struck by! It’s a definitive guide to identifying and living out the call of God for your life. If you’re confused about what’s next in your journey of life, this book is filled with the answers you need. Evangelist Daniel Kolenda is the author.


The 21 Irrefutable Laws of Leadership
I don’t need to say much- if it’s by John C. Maxwell, it’s a good leadership book!


The Seven Habits of Highly Effective People
Please, don’t be amazed! I have not yet read this book, and I still don’t know why. But it’s not too late to learn from these life-enriching principles by Stephen R. Covey.


The Triumphant Church
So a year or two ago, a very good friend lent this book by Kenneth Hagin to me. The title shows its importance, and it’s gathering dust, so I have to read it!


Church Growth
Recommended reading for G-Youth this year! Read it once and already on it again! Bishop Dag’s down-to-earth approach is so helpful indeed!


Victory Secrets
I think this book will be useful to me this year and always! It’s part of the books in my Makarios60.


The Torch and the Sword
A sequel to The Call, this book by Rick Joyner is so important in these last day.


Long Walk to Freedom
I learnt from Dr. Mike Murdock that studying the lives of great achievers is important to your success as a leader. This is the autobiography of the late Nelson Mandela.


God is a Matchmaker
Marriage! Does it matter that much? I think so! I think who you marry will determine how your life turns out. In this practical book, Derek and Ruth Prince lay out God’s blueprint for preparing for and having a successful and fulfilling marriage! As they say, “To be forewarned is to be forearmed!”


Kathryn Kuhlman- Her Spiritual Legacy and Its Impact on my Life
This book by Pastor Benny Hinn is blessing me right now!


God of Miracles, Signs and Wonders
This book will blow you away into the miraculous and the supernatural! Written by Bishop Matthew Addae-Mensah, this is the book to help you activate the anointing in your ministry.
So, in no particular order, those are my 52 books for this year. Yep! You counted right- the Old Testament is made up of 39 books!
If you’re a student bogged down with textbooks, don’t worry. Just apportion your time wisely with a good balance and you’ll be able to do much more reading outside your school scope!

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