Friday, September 16, 2016

7 Nuggets for Entrepreneurs

7 Nuggets for Entrepreneurs

Why have you surrendered your dreams so you can live a mundane life?


1.      What we lack is faith not knowledge.
2.      Creation is the highest form of achievement.
3.      Everything becomes easy when you are inspired.
4.      Learn to be comfortable with the uncomfortable.
5.      Don’t ask for easy life ask for an exhilarating journey.
6.      The safest route to the life of your dreams is the entrepreneur’s route.
7.      Security today is only found in voracious learning and high quality thinking.

Thank you for reading and reflecting on today’s nuggets.          

Be blessed and be a blessing to others
Carlos Fontana
Author of the book Priceless, Co-author of the book Follow to Lead

"The future belongs to those who can see and pursue opportunities before they are obvious."
"Those that take swift action will always leave those that don't breathing the dust."

Saturday, September 10, 2016

Robbing our own children

Robbing the children

Yes, our society is robbing from our children. We are compromising the future of our children by leaving them an astronomical debt burden. The debt inheritance is a topic for another day. Today I will focus on robbing our children by overprotecting them, preventing them from the necessary struggles so they can achieve their own victories. We are not helping our children by overprotecting them, be it from physical scratch to hurting their feelings. Life will hit them hard if they do not learn to deal with things while under our parenting and guidance. The difficulties that come while we are growing up must be accepted as ways to get us ready to live a real life, a fulfilling life. Ultimately, difficulties come to prepare us for our final dwelling place, a place of total freedom. Here are 10 things I learned from my parents, formally uneducated but wise parents, specially my dad that served me well to deal with carrying my cross through life. Have you reflected on your life to come up with a similar list? Do you have a list for the things you are passing on to your children? What is your legacy going to be?


1.      Discipline. It is a lot easier not to discipline our children when they are young but there is a high price for them to pay later in life. If we don’t do it while they are young the world will do it later, and it can have lifelong consequences. Warriors are not born, they are made. Have you ever encountered a warrior without self-disciple? Good luck finding one.

2.      Hard work. Learn to work from a very young age. Chose the hard life early on and life will get easier and easier. Work habits must be instilled very early in life. Work becomes joy when it is directed towards worthy goals and dreams. We are robbing our children from their goals and dreams if we do not teach them to start working while they are young.

3.      Respect for others. Be nice to everyone. It does not cost you a dime and the rewards are incredible. When you respect everyone as a child of God you will start earning their trust.

4.      Respect for money. Those that don’t respect little money will not respect big money. If you don’t care about one cent you will not care for one million. What really matters is what you do with what is left. Be a great steward of money and money will multiply as a powerful tool to help you do lots of good with it.

5.      Early rise. There is something powerful about rising early, breathing that fresh morning air. Get to bed early to get enough rest.

6.      Health. Never skimp on good meals. Health is not the place to be stingy.

7.      Friends. Choose your friends wisely. Hang around people that challenge you to make you better.

8.      Planning. Life is unpredictable and fragile. Uncertainty is certain. We might as well expect the unexpected and deal with it head on.

9.      Courage. Courage is the currency of warriors. Courage is necessary for the achievement of anything worthy of securing. Go where other don’t dare to go. If you just follow the crowd, do what they do, you get what they get, not much.

10.  Sacrifice. Sacrifice is not a bad thing. Sacrifice leads to the production of sacred things. Always be ready to help those in need. Encourage them to endure their treacherous journeys. We all have our cross to carry. Understand the circumstances that led you to your cross. Don’t whine about it. Your greatness will come from your struggles. Blessed are those who carry their burdens and the burdens of others by sharing all burdens with Christ who makes all things possible. 



Thank you for reading and reflecting on today’s nuggets.          

Be blessed and be a blessing to others
Carlos Fontana
Author of the book Priceless, Co-author of the book Follow to Lead

"The future belongs to those who can see and pursue opportunities before they are obvious."
"Those that take swift action will always leave those that don't breathing the dust."


Friday, September 2, 2016

When the ends don’t meet

When the ends don’t meet
Why the ends are no longer meeting? Here is a healthy dose of brutal reality. People are taxed until death, living a lot longer, and the government loves you for that. Government officials are laughing all the way to their banks. You have heard the saying that two things are certain, death and taxes; it is truer today than ever before.

1.      Increased Taxation. Since 1913 when the government got the power to tax citizens directly, there has been a dramatic increase in the number and level of taxation. Income tax (federal, state, local), property tax, sales tax, gas tax, energy tax, communication tax, tax, tax, tax, …, and a lot more tax. When is it enough? Never. Thank God there is an end to life; there is no end to taxation. There is death tax too. As president Reagan used to say - there we go again! Change is needed, but before it happens, the government by the elite for the elite, that are taxing their people to death, must be dethroned.

2.      Inflation. The hidden tax. Governments love inflation. Government prints more fake money to keep more people in poverty. No wonder people are struggling. In the last 15 years real wages real wages for Americans have gone down 8% while the cost of staying alive went up 43%. Imagine losing half of your purchasing ability in just half a generation. Our president just used another executive order to give the military a 1.7% pay increase. The military raise is lower than the private sector raise for the fourth consecutive year. Then, feels he is entitled to an 18% increase in his pay for perpetuity!

3.      Debt and Interest. When the ends don’t meet, banks have a solution for you. Debt is now the modern, voluntary form of slavery. Imagine the average person slaving away working extra time, extra jobs, to service the debt. Instant gratification ends up costing your freedom.

4.      Increased Life Expectancy and More Unhealthy Care. Technology is helping people live longer. No wonder the government wants to control the healthcare industry as well. It is a monster industry. The government is telling us that they know best how to care for us. If you buy into that you definitely believe a crooked female politician ought to become our next president.

5.      Social Insecurity and No Pension. Social security and pensions were never created to be relied totally upon.  Yet, the majorities of people believes and are relying upon them. Government then created 401Ks and other retirement plans so we can manage the money for them. Not so bad idea if you are the government and the banks.

6.      Re-tire!  Retirement was created in the industrial age to convince people to get into doing unpleasant jobs in exchange for a promise of being taking care of in their golden years. The industrial age is gone, and with it goes the retirement promise. Get used to the idea of never re-tiring. Learn to do something you love, get good at it, and do it until the day you die; that way you will not have to get tired again! Get into creative leisure and you will love what you become.


7.      Solution - Entrepreneurship. Security is no longer where it used to be. Security used to be found in a safe and secure job (where are they?), with great benefits, with a great company that is loyal to its employees (got pink slip?). Now is the time to wake up and smell, and drink, the coffee. Count on no one. Invest in yourself. You are the best asset. Build the right kind of assets that generate the right kind of income. Drastic global economic changes are coming. As an entrepreneur you will be prepared to deal with the new reality. Despite all the above, the burdens placed upon them, Americans are the greatest people on earth. Americans refuse to give up. They continue to be inventive, tenacious, and ingenious to build enterprises that benefit the world. Americans are who they are and do what they do because the nation was created to be the greatest nation, a land guided by Godly principles where anyone with a dream can achieve what they set their minds and hearts to achieve, despite the hardships placed on them by their own government. And that my dear reader is the chief reason why so many foreign people want to come to America. America is a place where one can temporarily suspend reality, dream big and still believe that things are possible and our Creator is on our side.


When ends don’t meet we become negatively stretched and stressed and energy is wasted. When ends meet we tolerate life and settle for the mundane. When ends overlap we become strong and free to pursue something much greater than ourselves.

Thank you for reading and reflecting on today’s nuggets.          

Be blessed and be a blessing to others
Carlos Fontana
Author of the book Priceless, Co-author of the book Follow to Lead

"The future belongs to those who can see and pursue opportunities before they are obvious."
"Those that take swift action will always leave those that don't breathing the dust."


Tuesday, August 30, 2016

Got Financial Regrets?

Got Financial Regrets?

Seniors report that their number one financial regret is not starting to save early enough. What is your biggest financial regret? 


Here are common financial regrets people have and what to do about them.

1.      Not saving early enough. Procrastination will cost your financial freedom. Anyone 22 years of age and entering the workforce has the time on her side to start saving, no matter your profession and income. Time is in your side. Time is more important than money. Fight the urge for instant gratification. Get started saving today!

2.      Not saving at all. You can start today. Anyone starting at 40 years of age and still become financially free in 20 years or way less. Become an aggressive saver. Get rid of debt; invest in your financial education your self-education.


3.      Not investing enough in oneself. The more you learn the more you learn. The best investment you can ever make is an investment in yourself. You are the best asset you own. Why are you leasing such valuable asset to others for such small returns? If our brain is one of the most important parts of our body, how come then we invest so little in it? You will surprise yourself on the returns of investing just 3% of your income in yourself. 


4.      Not defining and having the means to live your dreams. Yes, dreaming is no longer cool. They current education system is the number one killer of dreams; it trains people to get out and fight for a job. The media takes care of the rest. Instead of choosing a profession, choose your lifestyle first. Define your lifestyle. Find people with the lifestyle you want and learn from them; then do what they have done under their mentorship. Success is predictable; be cautious, so is mediocrity. Be in the minority of dreamers and legacy chasers.

5.      Getting in and staying in consumer debt. If you cannot delay gratification, especially early in life, then financial freedom is not in the cards for you. If you have not saved enough cash to buy what you want, you have not earned it yet. This is the most common trap people fall into. Arrogance keeps you in slavery. 


6.      Not starting your own business. When you understand the rules of money you will understand why owning the right business is the best type of income to have. The way income is generated matters a great deal. The risky thing today is to depend on a job for income (used to be the safest). The safe thing to do today is to own the right business (used to be the riskiest).


7.      Not asking and getting the proper help to become financially fit. Financial freedom and financial literacy go and in hand. People don’t lack money, people lack understanding of money. Learn to play defense, offense, and the principles of money. Make sure you are getting advice from those that are financially free. Stop spending time and money and start investing time and money.


The best time to start becoming financially fit is NOW. You don’t you ask me HOW?

Thank you for reading and reflecting on today’s nuggets.          

Be blessed and be a blessing to others
Carlos Fontana
Author of the book Priceless, Co-author of the book Follow to Lead

"The future belongs to those who can see and pursue opportunities before they are obvious."
"Those that take swift action will always leave those that don't breathing the dust."


Friday, August 26, 2016

Got real education?

What is real education?



Real education only comes when we learn from those that have results in life. School only helps us to succeed in school; self-education helps us to succeed in life. Our traditional educations system has become watered down and inadequate to prepare us to live a great life. From the beginning of time men and women that made the greatest contributions to humanity were involved in a great education, real education, and self-education.


1.    Discovering and staying in the path of knowledge and wisdom.
Discovering knowledge through the love for learning and wisdom through the application of knowledge.

2.    Learning with the purpose to prepare for what is to come.
Enduring the valleys of life and staying humble while at the peaks of life.

3.    Crystallizing our ideas, goals, and dreams.
Molding our attitudes so we can stay hungry forever.

4.    Developing our God-given skills and abilities.
Learning how to think.

5.    Managing our tensions and our resolving conflicts.
Internal tensions and external conflicts are crucial to growth and progress.


6.    Getting equipped to live a great life.
Defining and chasing our dreams.

7.    Discovering and practicing creative leisure.
Working, learning, and having fun at the same time.

What is holding you back from living the life you always wanted to live? A real education.

Thank you for reading and reflecting on today’s nuggets.          

Be blessed and be a blessing to others
Carlos Fontana
Author of the book Priceless, Co-author of the book Follow to Lead

"The future belongs to those who can see and pursue opportunities before they are obvious."
"Those that take swift action will always leave those that don't breathing the dust."


Wednesday, August 24, 2016

The Understanding of Money

The Understanding of Money

Understanding money is the key to our financial freedom. Money sticks to those who understand it, respect it, and put it to good use. The Federal Reserve is NOT Federal and it does not have Reserves. Currency is not money. What we call it money around the world is not money, it is currency. Real money has value; currency is a promise of value. Fractional reserve banking provides unlimited amounts of currency via loans, Fiat money. We have to pay it back with interest by using our most valuable asset, our time.

1.      Real money and currency are tools to serve others.
Time is an even better asset to serve others.


2.      We have no control over the value of currency.
Those in control of the supply of currency control the value of our currency.


3.      Money reveals our character.
Good people do great things with money and you know what bad people do with their money.

4.      Real assets, not currency, have real value.
Assets produce income. The right assets require little time to produce income.


5.      Time is more valuable than assets.
Assets are created to give us the time to serve others.


6.      Debt is the modern form of slavery.
We become assets to those in control of the value of currency and to real asset owners.

7.      Currency does not provide security.
Security comes from the ability to acquire assets that produce a continued supply of more assets.

Is your head spinning yet? You are not alone!

Thank you for reading and reflecting on today’s nuggets.          

Be blessed and be a blessing to others
Carlos Fontana
Author of the book Priceless, Co-author of the book Follow to Lead

"The future belongs to those who can see and pursue opportunities before they are obvious."
"Those that take swift action will always leave those that don't breathing the dust."


Tuesday, August 23, 2016

Got White Privilege?

White Privilege Defined


What is white privilege? How can one recognize it?

Here is a story of a very close friend. The friend happens to be a white friend.

1.      Started working at the age of seven. Started school at the age of eight. Work always came before school. Often had to get up at 5 am to do chores before walking one hour to school. Had one thing helping, a very easy to detect parent privilege.


2.      Loved school just as much as work. Soon was at the top of the class. Everyone else thought that school hard. Thought school was easy. Loved math and knew math was critical to achieving anything in life.

3.      Worked very hard during school breaks. Was not bothered by those who had an easier life early on. Knew that success would only come from doing what others were reluctant or refusing to do.


4.      Loved college and immersed in studies. Found learning fascinating. Always prayed to God to give good health and the ability to study and prepare. Prayed like everything depended on God and worked like everything depended on self.

5.      Chose to get a great education. Did not care about being popular. Care most about learning and enjoying the work at hand. Accumulated great experiences at young age. Listened to people that had results.

6.      Went to work for a great company. Researched best companies to work for, those that were profitable and rewarded great performance. Chose the company that hired individuals that were hungry with a positive attitude and outlook on the future.

7.      Took on projects that were very difficult. Preferred to do work others rejected. Saw all people with great potential. Inspired others to do their best.

Is it fair this friend is enjoying the white privilege today?

Thank you for reading and reflecting on today’s nuggets.          

Be blessed and be a blessing to others
Carlos Fontana
Author of the book Priceless, Co-author of the book Follow to Lead

"The future belongs to those who can see and pursue opportunities before they are obvious."
"Those that take swift action will always leave those that don't breathing the dust."