15 Quotes by Jim Rohn that will really inspire you

Quotes by Jim RohnThe late, great Jim Rohn was one of the best motivational speakers of all time in my opinion. Certainly he’s one of the best I’ve ever heard, and I’ve heard plenty of them over the years.

Sadly, by the time I came across Jim Rohn he’d already passed away but I wish I’d discovered him years ago.

I’ve read all his books, I’ve listened to all his audio recordings and I’ve also watched all the videos on YouTube which feature him and his work. And not just once, I go through his stuff regularly and I think he’s brilliant.

If you’re looking for inspiration and he’s new to you then check him out. I promise you, you won’t be disappointed. He really is truly inspirational.

To prove my point, here are 15 quotes by Jim Rohn to inspire you.

These are some of Jim Rohn’s best-loved quotes and I hope at least one or two of them will inspire you today.

Quotes by Jim Rohn:

  1. Either you run the day or the day runs you. ~Jim Rohn
  2. Work harder on yourself than you do on your job. ~Jim Rohn
  3. Success is doing ordinary things extraordinarily well. Jim Rohn
  4. The few who do are the envy of the many who only watch. ~Jim Rohn
  5. You don’t get paid for the hour. You get paid for the value you bring to the hour. ~Jim Rohn
  6. Profits are better than wages. Wages make you a living; profits can make you a fortune. ~Jim Rohn
  7. Time is more valuable than money. You can get more money but you can’t get more time. ~Jim Rohn
  8. Days are expensive. When you spend a day you have one less day to spend. So make sure you spend each one wisely. ~Jim Rohn
  9. If you really want to do something, you’ll find a way. If you don’t, you’ll find an excuse. ~Jim Rohn
  10. We must all suffer one of two things: the pain of discipline or the pain of regret. ~Jim Rohn
  11. Happiness is not something you postpone for the future; it’s something you design for the present. ~Jim Rohn
  12. If you are not willing to risk the unusual, you’ll have to settle for the ordinary. ~Jim Rohn
  13. Success is nothing more than a few simple disciplines, practised every day. ~Jim Rohn
  14. Learn how to be happy with what you have while you pursue all that you want. ~Jim Rohn
  15. Success is neither magical nor mysterious. Success is the natural consequence of consistently applying the basic fundamentals. ~Jim Rohn

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21 thought-provoking quotes about inspiration

Quotes about inspirationDo you need a little inspiration occasionally dear reader, because I know I do?

From the feedback I receive regularly from readers, it seems that most people find quotes an excellent source of inspiration.

And not just quotes from the great thinkers of course. Rather it’s those observations from ordinary people about life and the human condition that can be truly inspiring.

So today I offer you 21 thought-provoking quotes about inspiration.

And let me say, they’re not so much about inspiration, they’re intended to be a source of inspiration for you.

Most of all, each and every one of these quotes offers something different by way of inspiration I think.

These quotes will make you think too, which is important.

If you’re trying to develop your own philosophy for dealing with life and the people around you then these quotes should help you.

So read them all, reflect on them and see how many of them you can work into your day.

Quotes about inspiration:

  1. Everyone is good at something and once you find it, what you can achieve is limitless. ~Andrew Flintoff
  2. The deepest craving of human nature is to be appreciated. ~William James
  3. Every man has three characters: that which he shows; that which he has; and that which he thinks he has. ~Alphonse Karr
  4. The man who does not work for the love of work but only for money is neither likely to make money nor find much fun in life. ~Charles M. Schwab
  5. Never mind what others do; do better than yourself, beat your own record from day to day and you are a success. ~William J.H. Boetcker
  6. Don’t be afraid of failure. If something doesn’t work, use what you’ve learned to try and try again. ~Sir James Dyson
  7. Even if your vision is flawed, if you have the passion and the implementation skills, you’ll get there [in the end]. ~Jim McCarthy
  8. The drops of rain make a hole in the stone not by violence but by oft falling. ~Lucretius
  9. Children are like wet cement. Whatever falls on them makes an impression. ~Haim Ginott
  10. A truly loving parent won’t be looking for payback from a child. The child’s happiness, self-confidence and independence are the only rewards for good parenting. ~Roy Sutton
  11. Being considerate of others will take your children further in life than any college degree. ~Marian Wright Edelman
  12. If you look around at successful people, the movers and shakers are those who are positive, who won’t take no for an answer, and who make things happen – either for themselves or for others. ~Carole Spiers
  13. I think one of the most pervasive evils in the world is greed and acquiring money for money’s sake. Once you have six houses and a plane it is just about a number. It’s never been anything I understood. ~Kevin Bacon
  14. Have the courage to say no. Have the courage to face the truth. Do the right thing because it is right. These are the magic keys to living your life with integrity. ~W. Clement Stone
  15. There’s one sad truth in life I’ve found while journeying east and west. The only folks we really wound are those we love the best. We flatter those we scarcely know. We please the fleeting guest. And deal full many a thoughtless blow to those who love us best. ~Ella Wheeler Wilcox
  16. If a man is called to be a street sweeper, he should sweep even as Michelangelo painted or Beethoven composed music or Shakespeare wrote poetry. He should sweep streets so well that all the hosts of heaven and earth will pause to say, here lived a great street sweeper who did his job well. ~Martin Luther King
  17. Stand up to your obstacles and do something about them. You will find that they haven’t half the strength you think they have. ~Dr Norman Vincent Peale
  18. Other people may not like what you choose to do but as long as you’re not hurting anyone else then it is your business and yours alone. You weren’t put on this earth just to please other people. ~Roy Sutton
  19. The best years of your life are the ones in which you decide your problems are your own. You do not blame them on your mother, the ecology or the president. You realise that you control your own destiny. ~Albert Ellis
  20. My mother drew a distinction between achievement and success. She said that achievement is the knowledge that you have studied and worked hard and done the best that is in you. Success is being praised by others, and that’s nice too, but not as important or satisfying. Always aim for achievement and forget about success. ~ Helen Hayes Brown
  21. The person who tries to live alone will not succeed as a human being. His heart withers if it does not answer another heart. His mind shrinks away if he hears only the echoes of his own thoughts and finds no other inspiration. ~Pearl S. Buck

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15 Quotes by Elon Musk to help get you thinking

Quotes by Elon MuskBorn in Pretoria, South Africa, Elon Musk is a technology entrepreneur and engineer. He holds South African, Canadian and U.S. citizenship and is probably best known as the co-founder, CEO and product architect of Tesla Inc.

In 2016, he was ranked 21st on the Forbes list of the World’s Most Powerful People.

Apparently his net worth is around $19.4 billion and he’s listed by Forbes as the 40th-richest person in the world.

By any definition, Elon Musk is a clever and successful man and of course, it’s always worth listening to successful people.

So today I offer you 15 quotes by Elon Musk dear reader.

He’s an interesting character and his observations will certainly get you thinking I’m sure.

15 Quotes by Elon Musk:

  1. I think it matters whether someone has a good heart. ~Elon Musk
  2. I hate writing about personal stuff. I don’t have a Facebook page. I don’t use my Twitter account. I am familiar with both, but I don’t use them. ~Elon Musk
  3. When something is important enough, you do it even if the odds are not in your favour. ~Elon Musk
  4. If you get up in the morning and think the future is going to be better, it’s a bright day. Otherwise, it’s not. ~Elon Musk
  5. People should pursue what they’re passionate about. That will make them happier than pretty much anything else. ~Elon Musk
  6. I think that’s the single best piece of advice: constantly think about how you could be doing things better and questioning yourself. ~Elon Musk
  7. There have to be reasons that you get up in the morning and you want to live. Why do you want to live? What’s the point? What inspires you? What do you love about the future? If the future does not include being out there among the stars and being a multi-planet species, I find that incredibly depressing. ~Elon Musk
  8. Some people don’t like change, but you need to embrace change if the alternative is disaster. ~Elon Musk
  9. People work better when they know what the goal is and why. It is important that people look forward to coming to work in the morning and enjoy working. ~Elon Musk
  10. I think it’s very important to have a feedback loop, where you’re constantly thinking about what you’ve done and how you could be doing it better. ~Elon Musk
  11. Man has the power to act as his own destroyer – and that is the way he has acted through most of his history. ~Elon Musk
  12. Really, the only thing that makes sense is to strive for greater collective enlightenment. ~Elon Musk
  13. We can’t have, like, willy-nilly proliferation of fake news. That’s crazy. You can’t have more types of fake news than real news. That’s allowing public deception to go unchecked. That’s crazy. ~Elon Musk
  14. Brand is just a perception, and perception will match reality over time. Sometimes it will be ahead, other times it will be behind. But brand is simply a collective impression some have about a product. ~Elon Musk
  15. In order to have your voice be heard in Washington, you have to make some little contribution. ~Elon Musk

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15 Quotes by Bruce Lee that will still inspire you today

Quotes by Bruce LeeBruce Lee is best remembered for his roles in popular martial arts movies of the early 1970s, such as Enter the Dragon.

Born Lee Jun-fan in San Francisco in 1940, he was a Hong Kong-American actor, director, martial artist, martial arts instructor and philosopher brought up in Kowloon, Hong Kong.

Bruce Lee is considered by commentators, critics, media and indeed other martial artists to be the most influential martial artist of all time.

He also remains a pop culture icon of the 20th century, who bridged the gap between East and West.

Sadly Bruce Lee died of a cerebral oedema in Hong Kong in 1973 but subsequently he was named by Time magazine as one of the 100 most influential people of the 20th century. For a martial artist, that’s fairly impressive don’t you think?

Despite his untimely death, he continues to influence people and there are several websites dedicated to Bruce Lee around the world.

In his relatively short life he was credited with many inspirational quotes, so I thought today I’d share a few of these with you dear reader.

So here are 15 quotes by Bruce Lee that will still inspire you today.

Quotes by Bruce Lee:

  1. As you think, so shall you become. ~Bruce Lee
  2. To hell with circumstances; I create opportunities. ~Bruce Lee
  3. Obey the principles without being bound by them. ~Bruce Lee
  4. Knowledge will give you power, but character respect. ~Bruce Lee
  5. Showing off is the fool’s idea of glory. ~Bruce Lee
  6. A quick temper will make a fool of you soon enough. ~Bruce Lee
  7. Mistakes are always forgivable, if one has the courage to admit them. ~Bruce Lee
  8. A wise man can learn more from a foolish question than a fool can learn from a wise answer. ~Bruce Lee
  9. If you love life, don’t waste time, for time is what life is made up of. ~Bruce Lee
  10. I fear not the man who has practised 10,000 kicks once, but I fear the man who has practised one kick 10,000 times. ~Bruce Lee
  11. To know oneself is to study oneself in action with another person. ~Bruce Lee
  12. The possession of anything begins in the mind. ~Bruce Lee
  13. I’m not in this world to live up to your expectations and you’re not in this world to live up to mine. ~Bruce Lee
  14. Always be yourself, express yourself, have faith in yourself, do not go out and look for a successful personality and duplicate it. ~Bruce Lee
  15. Ever since I was a child I have had this instinctive urge for expansion and growth. To me, the function and duty of a quality human being is the sincere and honest development of one’s potential. ~Bruce Lee

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Why enjoying yourself can never be a waste of time

Enjoying yourselfTime you enjoyed wasting, was not wasted. ~John Lennon

Regular readers of this blog will know that I am a great believer in making the most of your time.

In particular, a constant message from me is that you should not waste your time. However, as with everything, it is important to strike a balance, of course.

As the late John Lennon reminds us in his observation above, truly enjoying yourself can never be a waste of time.

Enjoying yourself and having fun has positive benefits for your health, both physical and mental.

For a start, it reduces stress. Also what would be the point of life if you couldn’t have a little fun occasionally? All work and no play will make you a very dull person indeed.

Remember the words in that old Music Hall song, “Enjoy yourself, it’s later than you think. Enjoy yourself while you’re still in the pink.”

For any reader not familiar with the expression ‘in the pink‘ it’s British slang for being in a good state of health.

You can’t be serious all the time, dear reader. Sometimes you’ve just got to have some fun. So go on, start having some fun right now. You know you want to.

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5 secret steps to tackling life and achieving success

Achieving SuccessIf you’re looking for a formula for achieving success, dear reader, then you’ll find this blog post useful.

Many desire success but few really achieve it. So it’s useful to study successful people, identify their approach and use them as role models. If their approach worked for them then it might just work for you.

In the embedded video, Hollywood legend, movie star, two-term Governor of California and former Mr Universe, Arnold Schwarzenegger shares his five secret steps to tackling life and achieving success.

Essentially these are his five rules to excel at whatever you choose to do.

He has an interesting story to tell and his story proves that no obstacle is too big to overcome and no vision, too big to achieve, if you’re determined enough and you’re prepared to work hard.

Change the world:

To summarise Arnold Schwarzenegger’s rules, they are:-

  1. Find your vision and follow it;
  2. Never, ever think small;
  3. Ignore the Naysayers;
  4. Work your ass off; and
  5. Don’t just take, give something back.

However, if you listen to Arnold’s story, his burning desire was to move to the United States and become a big star. This was his reason why.

Initially, he had no idea how to achieve that goal but a little piece of good fortune came his way.

Arnold happened to read an article in a magazine about a man just like him who achieved just what he wanted to achieve. The article explained how the man did it and Arnold used that success template as the basis for pursuing his own goal.

Achieving SuccessIdentify successful people and do what they did:

Once he knew his ‘why‘, Arnold Schwarzenegger just needed to work out a way to get there. Knowing your ‘why‘ will always, eventually, lead you to your how.

Once Arnold knew his purpose and his passion, he was always going to find a way to achieve success. His determination and his willingness to do whatever was necessary saw to that.

Had he not been lucky enough to identify a role model through a magazine article, something else would have guided him because that’s the nature of life. When you’re searching for something you’ll tune in to all the little clues you need.

Once you know your why, you develop a keen sense of that subject and everyone else involved.

Trust yourself:

If you know your why then you’ll have the drive and determination to pursue your goal.

Nothing happens by accident of course. You must make it happen.

So figure out for yourself what it is you really, really want. What would make you happy? What would you regard as a real achievement?

Then find a role model.

Someone who’s done what you want to do. Identify how they did it and copy what they’ve done. If their approach worked for them, it can work for you.

Avoid distractions:

If you want to be successful then don’t allow ‘time sucks’ to throw you off course.

Television and social media are the biggest time wasters of all. So avoid them.

Time is a precious resource and successful people don’t waste it. So if you want to be successful, don’t waste your time either. Put every minute to good use.

Know your ‘Why?’

The key message today, both from this article and the embedded video, is that you must know your why.

That’s the starting point for success.

So if you’ve yet to do that then I suggest that’s where you start, if you want to be successful.

And remember this; if not you, who? If not now, when?

Achieving success is possible and people do it all the time. So can you, if you’re determined and prepared to work hard enough to get it.

Good luck.

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The importance of change and the opportunities it brings

The Importance of ChangeToday dear reader, I’d like to explore the importance of change to a business and the opportunities it brings. For the fleet-footed entrepreneur, opportunity is synonymous with change. If that isn’t obvious, trust me, it’s true. And that’s why it’s important to embrace change.

1. Change is inevitable:

As the old saying goes, change is inevitable except from a vending machine.

We cannot avoid change, quite simply because it’s going to happen whether we like it or not. Trying to stop it is like trying to hold back the tide. It cannot be done. Change is simply a force of nature.

However, if you hate change, don’t worry because you’re not alone. Most people hate change.

Just when we think we have everything under control, a significant change happens and suddenly we’re scrambling to get ourselves back to equilibrium. It makes life seem like a giant game of Snakes and Ladders, doesn’t it?

2. Fear of change is natural:

Actually feeling uncomfortable when faced with change is both rational and natural because one of the most basic human needs is the need to feel secure. Change is an uncomfortable experience because it makes us feel insecure.

However, we must control any fear we have about it and we must have the courage to do whatever is necessary to ensure that we respond appropriately as the winds of change start blowing around us.

3. Businesses can be fragile:

Change can affect a business in many ways, given that plenty of things can change for a business over time.

For instance, consumers’ needs, wants and expectations will change over time. As will technology; markets; competition; and regulations as well. And of course, let’s not forget taxation. Governments are constantly tinkering with taxation, as their need for money increases.

Therefore business owners and executives must be on their guard constantly, anticipating change and how it might affect their business.

Whether you’re an owner, an executive or just an employee, if you’re involved with a business then you cannot afford to become too complacent.

Ignore change and it’ll kill your business quicker than you might imagine. It can kill your career too. Businesses can be fragile if they’re exposed suddenly to the harsh reality of change.

4. Change on an industrial scale:

It’s easy to think that major corporations which dominate whole industries are immune from the impact which change can bring. Unfortunately, this isn’t so.

Consider for instance the computer industry.

IBM was once the behemoth of that industry. The very name was synonymous with everything that was best in the information technology (IT) sector, globally. So glowing was their reputation that there was an old saying universally accepted in business, “No one ever got fired for buying IBM.

They were Big Blue, second to no one.

However, their size and reputation didn’t stop them almost paying a very heavy price for failing to anticipate changing IT trends.

For years IBM favoured large centralised computer installations which filled whole buildings. And IBM didn’t see any reason to do anything differently as they were in the business of supplying these and making very good money from them.

Neither did they believe that many people would actually need computers. As recently as 1943 Thomas Watson, then Chairman of IBM said, “I think there’s a world market for maybe five computers.

However, IBM’s lack of foresight didn’t end there.

Having introduced what we now call the PC to the market in 1982, they didn’t actually believe it had any real future. Apparently their original forecast for global sales for the PC was just 25,000 units, worldwide.

IBM didn’t really want PCs to sell because they saw centralised corporate computer systems as where the real money was. Their failure to see the potential of the PC allowed Microsoft to move in and become a dominant player at IBM’s expense.

Failure to recognize changing trends and how they would affect the demand for computers and the way computers were going to be used had almost catastrophic consequences for IBM.

To be fair, they did manage to adapt eventually, but not before their business came dangerously close to collapse. And to this day they do not dominate their industry in the way they once did.

5. Heavyweights no more:

Another good example of a dominant industry player failing to recognise the winds of change was Digital Equipment Corporation (DEC).

If you’re not familiar with that name dear reader, they were the leading supplier of what were then known as mini-computers back in the late 1970s.

However it seems DEC allowed their dominant industry position to cloud their judgment because back in 1977 Ken Olson then President, Chairman and founder of DEC observed that, “There is no reason for any individual to have a computer in his home.

Where is DEC now?

They’re nothing more than a footnote in the history of digital technology. Few people, other than old computer industry hands, will even remember the name.

And yet the demand for computer technology products is greater than it has ever been. Every household has several of them in the form of desktops, laptops and, in particular, tablets and smartphones.

Today the computer industry is dominated by companies like Microsoft, Apple, and Google. None of these companies even existed when Mr Olson made his unfortunate comment back in 1977.

Another good example is Kodak, once the dominant player in the photographic products industry. As recently as 1976, Kodak commanded 90% of film sales and 85% of camera sales in the United States. Where are they now? Certainly, nothing like the company they once were, that’s for sure.

6. Change brings opportunity:

Set aside the fear of change and you’ll see that it’s not necessarily a bad thing because it actually generates opportunities for the fleet-footed. So there’s a positive dimension to change as well.

If it’s embraced then opportunities are always there for the taking.

Just think about it for a second. If change didn’t happen, we’d all still be living in caves and riding around on donkeys.

Most companies, particularly large corporations, are usually far too slow in responding to change. However, that offers plenty of scope for smaller, faster, more flexible businesses to move in and relieve the big boys of their lunch.

So change is actually a positive dynamic.

7. See change positively:

Let’s face it, if everything always remained the same then most of the things we enjoy and take for granted today wouldn’t exist.

In developed countries, we enjoy a standard of living that would have been beyond the imagination of people even a century ago. Think about that statement for a second; everything we now take for granted today once didn’t exist.

The point here is that we ignore change at our peril, particularly in business.

So it’s better to embrace change positively than to ignore it.

Yes, of course, it feels uncomfortable but we all get used to changes in the fullness of time.

If change is going to happen anyway then we might as well see what’s in it for us, surely?

If we’re in business, or indeed as people, we should always be constantly thinking about how we can exploit change to our advantage. How can we seize the opportunities that will come along as a natural consequence of change?

8. Make trends your friend:

In order to exploit change, we need to become trend-watchers. And not just single trends.

We need to be watching each and every trend that might have an impact on ourselves and our businesses.

And we need to consider how those trends might come together to create a perfect storm, the winds of which might do us harm or become the wind beneath our wings.

Whether the consequences are good or bad, we must always be ready for them.

9. Conclusion:

Successful people are adept at exploiting opportunities brought about by change.

Change is synonymous with opportunity, it’s that simple.

Never fear change, you must embrace it.

If success is your aim, then change can be your friend.

However, never underestimate the harm change can do, should you become too complacent.

Change can be a force for good but equally, it can be a dangerous force for the unwary.

When you think of change; think positively but think defensively too.

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The importance of teaching children about money

Teaching ChildrenThe importance of teaching children about money is not something that’s taken as seriously as it should be, in my opinion.

Certainly not in the education system. As far as I can see, financial education for children and young adults is rarely covered within the education system at all. It wasn’t when I was young and it isn’t now.

Some might say that money’s not the most important thing in life and philosophically that may be true.

However, money’s up there with oxygen and water when it comes to sustaining human life. In the modern age, life revolves around money, whether we like it or not.

Money’s a measure of the value we add to the lives of others and it’s also the oil that lubricates human existence.

Without money, living would be virtually impossible for almost everyone today.

1. The point of teaching children:

The point of teaching children is to prepare them for adult life, surely?

Our aim should be to equip them with everything they need to know, so they can function effectively as adults once they leave the education system.

Now reading, writing and arithmetic are all essential subjects, of course, because you can’t get too far in the world of work without these basic skills. And it’s through work that we really add value and maximise our income.

Nevertheless, where I believe the education system generally fails children and young people is the omission of the teaching of essential life skills, like earning an income and managing money. Important subjects like money and personal finance are never covered at all, certainly not in any significant way.

2. Money and personal finance:

To me, it’s truly amazing that we don’t teach our children about money or personal finance in their formative years.

Surely whilst at school, children should learn about:-

          • The way money is earned;
          • The way to manage money;
          • How to budget, so they can pay their bills; and
          • How to spend their money wisely.

Children should also learn about how they should prioritize expenditure to avoid getting themselves into a financial mess, in my opinion.

3. The pros and cons of debt:

Personally I think that children and young adults should learn about the pros and cons of debt.

They should learn about the difference between secured and unsecured debt, given the impact these factors will have on the interest rates that will be applied to such debt.

Young people should learn about the power of compound interest too. Not so much as a mathematical exercise but in terms of how it can quickly turn a relatively small debt into a very large debt, if we’re not careful.

And they should also learn to appreciate that credit cards are not just a convenient means for cashless payment.

Used thoughtlessly, credit cards can result in personal wealth destruction and excessive levels of expensive debt.

Children and young people should know that credit cards are a form of unsecured debt, which means they come with very high rates of interest, which accelerate a personal debt mountain rapidly, if not paid off immediately.

4. Interest rates matter:

Everyone should know that interest rates really do matter. They’re very significant and shouldn’t be treated lightly.

Children and young adults should learn that they should never go into debt for the purchase of discretionary items. It’s always better that they save up for that discretionary purchase before they buy, of course.

5. The nature of work:

Every young person should learn about how work is just doing stuff for other people in exchange for money and that the more value they can add through their skills and know-how, the more they’ll earn throughout their life. So skills matter too.

Everyone should be taught about the economics of supply and demand and its impact on pricing.

Kids should understand the difference between trading their time with one employer for a wage and the opportunity to serve multiple customers through their own business and their own creativity.

If they have the ability to create products which solve problems for customers, then they have the potential to make a lot of money.

Essentially kids should learn to appreciate the difference between employment and self-employment.

6. The road to financial freedom:

Young people should learn about wealth, pensions and how to achieve financial freedom through putting money aside on a regular basis and investing it wisely.

They should be positively encouraged to work towards achieving financial freedom.

Once they’re financially free they can focus on doing things they enjoy doing rather than things they have to do, because they’ve no other choice.

If nothing else, this makes the goal of achieving financial freedom a worthy aim, in my opinion.

7. The impact 0f inflation, taxation and government borrowing:

Kids should learn about the impact that inflation will have on the value of their money and how this can affect their savings, particularly for old age. They should also be taught about risk and its relationship with reward.

They should learn about taxes and how the money they pay in taxes will be spent, and frequently squandered by government.

Everyone should know that there’s no such thing as government money, only the taxpayer’s money. Our money!

Children and young people should know that it’ll be their hard-earned money that’s being spent by the government.

They should also know that when governments borrow money this is simply a means for spending today and then passing the bill on to future generations. In other words, our children and grandchildren will pay the bill for today’s government borrowing.

Government borrowing is not a free lunch. Someone eventually must bear the interest payments in future years, as well as the repayment of the original capital sum that was borrowed. And don’t forget, governments are borrowing money continually.

8. Holding government to account:

Children should be taught to question how their money is being spent by the government and how to register their disapproval if they’re not happy with what’s being done with that money, in their name.

9. Money matters:

Sadly most people have little real understanding of money, which means that they’re easily conned by sharp business practices, particularly in Financial Services, and by politicians driven only by their own self-interest.

Perhaps that’s why schools are not encouraged to teach personal finance as a subject.

Parents should demand that their children are taught about money, in my opinion.

If the education system fails children by not teaching them important life skills then, as parents, we must shoulder at least some of the blame, surely?

And as always, we’ll get what we tolerate.

For me, teaching children and young people about money is an issue for the education system, as much as it is for parents themselves.

Money really does matter and, in my opinion, we fail children and young people if we don’t provide them with the know-how and skills to make the most of it throughout their lives.

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The purpose of life: What’s it really all about?

The Purpose of LifeToday I want to explore the purpose of life.

What’s life really all about, when it all comes down to it?

Should life just be a treadmill of meeting other peoples’ expectations or should our aim simply be to lead lives that make us happy?

The purpose of life:

What does life mean to you, dear reader?

Do you ever feel that you’re just living life on a treadmill, constantly running to meet the expectations of everyone around you?

Perhaps you worry about what other people think about you? If you do, you’re certainly not alone.

Too many people waste their time worrying about what others think of them.

If only they realised that other people spend little or no time thinking about them at all.

Your approach is just a valid as the next person’s:

Most people are too busy trying to deal with their own lives. They don’t have the time to think much about anyone else’s life.

So why not just be yourself and lead your own life on your own terms, in your own way?

Your approach to life is just as valid as the next person’s and, as long as you’re not hurting anyone else, you’re free to choose how you live.

Don’t try to be something you’re not:

You can only be the person you are. So just be yourself and accept yourself for the person you are. You’re a true original, and you can be truly proud of that.

Remind yourself frequently that you’re better than you think you are and that you’re as good as anyone.

Constantly reinforce your self-belief:

If you haven’t got much self-belief right now then fake it until it happens naturally. And that will come with the little successes you’ll achieve over time.

Never consciously try to impress anyone else. It doesn’t get you any place worth going. Just do what comes naturally to you.

You’re only going to have this one life, so live it on your own terms. Enjoy your life for what it is and make the most of it.

Don’t let life happen, make it happen:

Never, ever just let life happen to you; decide on the life you want and then make it happen.

It’s important to know what you want and you should never give up until you get it.

Always be you but make it the best version of you.

And remember this; an original is always more impressive than a copy. So don’t copy other people. Just be an original.

Life begins outside your comfort zone:

And remember this too; life begins once you’ve stepped outside of your comfort zone. That’s where the real challenges are and that’s where you will grow.

And you must never stop growing.

So step outside your comfort zone; look those challenges in the eye and just give them a wink.

You’re more than a match for them all. They should be quaking in their boots.

Go on, live life! Now! It’s later than you think.

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The debate about identity politics and how we get beyond it

Identity PoliticsThe debate about identity politics has dominated much of the news in recent months. Surely we must find a way to get beyond it? In that, I refer to getting beyond the problems associated with identity, rather than the debate itself.

We’re all human beings first:

Whether we think of ourselves as Black, White, Christian, Muslim, Jew or some other form of ethnic or religious identity, in reality we’re all just members of the human race, surely?

In my opinion, we’re human beings first and other forms of identity second. We’re all just people.

We all want the same things:

As people, we all want the same things if you think about it.

Ideally, we all want a peaceful, prosperous life and a better world for our children?

We want a roof over our heads and the ability to put bread and food on the table.

Equally, we all want to feel secure.

We all want a sense of purpose to our lives and a reason for us to get out of bed each day.

And, of course, we all want to enjoy some leisure time with family and friends, occasionally.

Life’s too short:

Life’s too short to worry about anything else, surely?

As human beings, we have much more in common than we’re often able or willing to recognize and those things that apparently separate us are often more imagined than real. Well, I think so anyway.

In my experience, there are good people everywhere you go in this world.

And yet, as human beings, we often fear people simply because they are not a reflection of ourselves.

We fear what we don’t understand.

If only we could just see others as human beings first. They’re people just like us, with hopes, dreams and a desire to be loved, accepted and respected by others.

Respect people and get to know them:

If only we could just treat people with respect, regardless of whatever sense of identity they present to the world. If only we could respect others just for being themselves.

I’ve been fortunate enough to live and work in many parts of the world and I’ve learned that if you make the effort to get to know people, whoever they are, you begin to see them in a different way, regardless of their origin, ethnicity or creed.

If you try to understand them and their lives, suddenly you realize that they’re actually just like you, or not so very different at least.

Wherever you go, people are just people. We laugh, we cry, we eat, we sleep and we all have to go to the bathroom occasionally.

Yes, there are a few bad ones of course but most people are honest and decent and if you treat them with respect, you will get their respect in return. In my experience, wherever you go people just want to be treated fairly.

Avoid making assumptions about people:

When you meet people from a culture which is different to your own, it’s easy to make assumptions about them. However, how can you be sure you’re right unless you get to know them?

Judging is easy but it’s hard to know what someone else’s life is really like. Unless you’ve actually walked a mile in their shoes, you couldn’t possibly know what their life is really like or what challenges they face on a daily basis.

So you can’t judge anyone unless you make the effort to get to know them.

And for me, that’s the underlying problem for all humanity.

We judge people first without making the effort get to know people. We make assumptions and judge on perceived stereotypes rather than treating people as individuals.

For instance, it would be easy to assume that all Muslims have the same extreme views as those fundamentalists making media headlines fighting for the establishment of the so-called Islamic State or ISIS.

I have lived and worked in the Middle East over many years and I know that this is not true. Some of the finest people I’ve ever met are Muslims.

I have many Muslim friends for whom I have the greatest respect. I’ve also known many Christians, Jews, Buddhists and more for whom I could make a similar comment.

Seek first to understand:

I’ve learned to treat people as I find them and not as others tell me I should find them.

I concern myself only with the content of their character. I try to treat others with respect and I find that generally, if I do, I get their respect in return.

If only we could all treat others in the way that we’d prefer them to treat us then I think the world would be a better place. And surely our aim should be to make this world a better place?

In the words of Stephen R. Covey, we must “Seek first to understand and then to be understood.”

Identity politics:

Identity politics has the potential to divide us all but it doesn’t have to be that way. We can get along with each other if we respect people for who they are and what they are and judge them only by the content of their character.

Look beyond obvious differences to the person within. It’s what’s on the inside of people that matters most. Well that’s my opinion, dear reader.

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