Look the part, Smell the part, Walk the part, and then learn to Talk the part........
Broke-to-Better Blogs, Nomopofolks Association, Dallas, Texas
 Interview Checklist    In person On the phone    
    Clean up mistakes before interview..practice, practice, etc Show them that you want the job.....send a 'Thank you' Broke-to-Better Blogs, Nomopofolks Association, Dallas, Texas
If you focus positively on a goal as doable and not rationalize, compromise, doubt or worry,
you will achieve it.... Life really does provide you with 'equal opportunity' ...when you really put your mind to it, people, information and money, shows up to help you towards your goals Even if you face tough obstacles with no support, the right resources, connections shows up to help you to achieve your goal, if you 'just believe' This is how people overcome addictions, illnesses, athletes become champions, business people become millionaires and the 'ugly' duckling marries the pretty prince. When life trials come and get you down and there is dreariness all around, focus on your vision of being happy doing what you really want to do...... the questions 'woulda and shoulda', 'how come' and 'why did this happen to me', only keeps you stuck where you are, which is where you do not really want to be. People who make career comebacks or overcome life tragedies, understand this principle very well, because when you lose everything, the only thing you have left is your 'imagination and belief' in better days ahead, (gotta lookup to get up)...even when you can't see it or feel it, just say 'what you really want to do' out loud to yourself....it will still get you to ponder the question ....what would it take for me, to get to where I really want to be. Write your goals down and why you want to achieve them......it will help to cement your believe in what you are trying to accomplish. When your why is strong enough the how shows up in your life. A belief is only a thought you keep thinking over and over again, just name it and feel good imagining it .......you can achieve whatever you focus on, and I do mean whatever you focus on Just Believe! What you focus on, comes to you...... 
Broke-to-Better Blogs, Nomopofolks Association, Dallas, Texas
Single Adult -- get a job and mentor, create a vision board of goals/dreams, new car, start life and disability insurance, start IRA or business, establish credit rating, complete education in area of interests, start emergency savings fund, hobby, social activities ....and create a sample budget
Get a Job, Create a Budget and Start Savings Investment idea (20s): invest in growth stocks or S&P500 index funds 90%, 10% cash or bond fund Home monthly payment -- 35% take-home pay Car monthly payment -- 15% take-home pay Tip: Before making major purchases check your credit score, if low, try to raise it by 50 - 100 points Lower College/Trade School Debt Ways to go BROKE - Have fun but control your spending Young Married – create a vision board of goals/dreams, get a marriage/career mentor, small house, condo, adequate flood, life and health insurance, start IRA, bigger car, emergency savings fund ....and create a sample budget Start Savings and Purchase Disability and Life Insurance Ways to go BROKE - Have fun but control your spending Investment idea (30s): cash 10%, bond fund, small business or rental property 20%, 70% growth stocks or index funds Parenthood – education fund for kids, larger home, vision board of family dreams/goals, emergency fund, day care, vacations, IRA or small business ownership Plan for Kids College and Your Retirement Investment idea (40s): cash 10%, bond fund, small business or rental property 30%, 60% growth stocks or index funds Parent Older Kids – make plans for retirement, disburse education funds, may take care of parents, kids activities, a major illness (disability) ....and create a sample budget Financially Squeezed - Juggling parents aging, kids, bad health and career Investment idea (50s): cash 10%, bond fund, small business or rental property 40%, 50% growth stocks or index funds Empty Nest - smaller house(paid off), kids gone, pursue dreams, roll IRA into Fixed Annuity Pay for kids college, stuck in dead end jobs Investment idea (60s +): cash 15%, bond fund, small business or property 50%, 35% growth stocks or index funds Retirement - Fixed Annuity (Secure Income & no debt), travel, volunteer in organizations that you would like to leave a legacy of service and funding.....and create a sample budget Retirement Benefits Investment idea:(70s+): cash 15%, bonds, fixed income from selling small business or rental property 70%, 15% growth stocks or index funds Emergencies -- Unexpected financial or medical tragedy or disaster Local Social Services Tip: 3 to 6 months of savings in cash, helps to pay for unexpected expenses (repairs, etc) Why? To avoid the high interest rate pay day and title loans when in a 'crisis'. A. Save $5 - 20 a week to build a 3 to 6 months reserve...in a savings account, you 'spend and replace' funds in this account as needed for 'unexpected expenses'(keeping between $1,000 - $5,000 in emergency funds is a good idea). Build a emergency fund first, then move to investments, etc. 1. Purchasing home warranties for major appliances may reduce cost of repairs 2. Purchasing warranties on major car parts may reduce cost of repairs Disability Benefits - Life happens to everyone, short term or long term illness that prevent you from working for a period of time. How to apply for Disability Unemployment Benefits - Life happens to everyone, contract ends, jobs terminate, and layoffs happen that prevent you from working for a period of time. Unemployment Benefits Burial - Life Insurance cover expenses left behind, try to leave more than just your last name behind Things to do when loved one dies Final financial wisdom: Create a will to distribute your possessions to the causes and people you would love to help Inheriting money after a loved one dies. Widows Benefit
Tip: Use coupons to 'stretch your money farther' in the month. coupons Always look for deep discounts ...... there's always a 'sale' somewhere for what you want. Use only 30% of total credit card balances when making purchases, keep 2 cards. File and Store Household record keeping about purchases, taxes and documents Ways to go BROKE - Have fun but control your spending Make it a goal to be free of debt by the time you expect to retire. Choose a home loan, vehicle loans that you payoff during your working years. If you are worried about bills, you can’t enjoy retirement, by doing what you and only you want to ....whatever that is! Delaying Car New Purchases Eliminating Household Debts Starting a Business.....Wonder and Ponder the question, What is an idea, that i can financially live on for a lifetime? Small Business Resources Putting money in 401K at work.....Warren Buffet states, 'Put the money in a low-cost S&P 500 index fund and forget moving it around' ...the return is greater and the fees are less over time (you make more money) Put $10 - $35 weekly into a 401K, invested into S&P index fund (10% interest), from age 20 - 65, may allow you to have $1 million dollars in retirement. If you change jobs, a rollover IRA will allow you to do the samething. Of course, if your company matches your money, take advantage of that increase in deposits, as well. Broke-to-Better blogs, Nomopofolks Association, Dallas, Texas 
 Numbers 23:19, GOD does not lie.....in any situation.
Proverbs 3:5-7 In all thy ways acknowledge GOD and I will show you the best path to take. Luke 5:4-9, God will tell you exactly what to do, you must obey to get the right results Below is the steps you can do to find guidance to living your best life. 1- Read a daily devotional and have quiet time in the morning before going to work or before the kids get up. It helps you to place positive and peaceful thoughts in the mind. This allows you to attract other pleasant events throughout the day. Even when hateful things happen, you don't 'go off' as fast. A. When your mind is at peace....sensible answers come to solve your problems. 2- Pray about your circumstances, then stop worrying, wandering and doubting. Have faith that things will workout, maybe not how you planned, but just how it was meant to be. A. God plan is always better than yours....... Make a list of what is bothering you, Then Ask God for wisdom and pray, In my current circumstances, GOD show me the 'truth', what is the wise thing for me to do! and Give me the strength to do it! Guide me to the right people and resources to help me do it. 3- If you have problems paying your bills, be proactive about talking to creditors. Call them and and talk to them before they start calling and chasing you. Dishonesty leads to trouble. They will work with you at an affordable repayment plan. They want money, something is better than nothing. 4- You must visualize where you want to be, stop focusing on current circumstances and blame! It will keep you stuck. Because you continue to ask 'why', and 'how come'? A. Write down what you want to buy when you have money and who you want to give 'gifts' to and then write down how it would make you feel and how they would feel. Then pray over the list, release it from your mind, do something else and watch over time as it begins to show up in your life at your level, as if it was magic. 5- Don't be ashamed to ask for help! Most people have not because they ask not! A. You google for information not wisdom. For wisdom ask GOD to direct you to who to ask for help. 'Godly directions not intentions get you to your desired destination, perfectly'. 6- Before you go to bed take 5 minutes and write down what happen during the day that made you laugh, something new you may have learned that day or what happened that you were grateful about. A. You will be amazed at how helpful people become around you. Life opens up when U do. 7- Before you go to sleep, ask GOD to help forgive you and your enemies, those that have done hateful things to you during the day (even, if you don't mean it). It helps you to calm down before you face them 'fools' again. Also, when done at night it will help you to sleep and not wake up tired, due to fighting in your mind while trying to sleep. A. Forgiveness is a decision, not a feeling. 8- Stop talking to negative people, stop repeating negative events in your head or gossiping after 8 pm. You will be amazed how well your sleep improves and your outlook changes. Listen to positive thinking music, people, watch a good tv show or movie. This will keep you out of a lot of unnecessary 'drama' situations in your life. 9- Eating the right amount of fruit and vegetables or drinking a cup of 100% vegetable juice twice a day keeps you calm in the storm during the day and improves sleep at night. 10- Exercise whether walking, running or jumping......if done for 30 minutes a day for 5 days a week, help you to think better thoughts, more energy to do fun things, helps 'sex hormones' to work better, lowers your rate to be quickly irritated by sounds and people. A. Affirmation ....I give myself permission to love and respect myself, more Ways to Manage Stress Broke-to-Better Blogs, Nomopofolks Association, Dallas, Texas 
One must increase profits by reducing expenses and errors, reorganizing workforces and improve quality.
In today’s economy, one may only work for a company 1 to 3 years, instead of 20 as in the prior years, as a manager. If you do nothing else, on a monthly basis update your resume on job boards, it keeps your name in circulation for future jobs. Yes, you must perform and promote yourself, shamelessly at the same time to remain competitively. Here’s a tip on using ‘keywords’ in your resume and social media to get human resource recruiters, attention. Note, not using keywords in your resume will not allow there computer to detect that you are in the system. I have found the following ‘keywords’ are used in general management resumes, business networking sites and job boards. I recommend that you use them in your summaries, job description/accomplishments to describe yourself as an ‘effective’ manager to solve a company problem.
Broke-to-Better Blogs, Nomopofolks Association, Dallas, Texas 
Have you ever been divorced, abused, rejected by someone you believed loved you? Typically, we date or marry a familiar type of person in the community, that reflects our unfinished business(hurts, habits, hangups). Lesson Learned: Everything you are attracted to, you may not be compatible with (just because it look good, doesn't mean you can live good with it). Try a new type of person that is likeminded (convictions/standards) and headed in same direction toward your goals. Take a minute, a deep breath, a vacation and say to yourself 'I love and approve of myself '......because in relationships you have to love you, first. Always know, No matter where you are, somebody is always attracted to you irregardless, of your look, money, size, color or disability, that approves of U. To use the lyrics from Berry Gordy and Jackie Wilson song, 'To be loved' Someone to care, Someone to share, Lonely hours, And please don't make decisions in moments of despair Things that will not make you feel loved in a relationship
Now pray, GOD, I want to see something new. Someone to kiss, Someone to miss, When you're away To hear from each day. 10 Things that will make you feel loved in a relationship
The key to finding a mate is finding someone that is a lifetime helpmate and friend, that celebrates U not tolerate you. Wait for the person who pursues you and accept your past, support your present, and encourages you to achieve your dreams in the future. Make sure you both want the same goals, Before you get your heart involved And most of all, wait for the person who will make you a priority, because that's where you belong and how you deserve to be treated..... As months past and things begin to chill, keep it real by making sure, it's GOD's will and not written in the sand, to be washed away, before it hardens like clay Then everyday play and pray, to enjoy the day But to be truly, truly, truly loved Is more than all of these things! At the end of the day, both partners want the same blissful feelin To be loved, to be loved Oh, what a feeling, To be loved Broke-to-Better Blogs, Nomopofolks Association, Dallas, Texas 
12 step resources
If you gulp down the first (meal, drink, or puff) to get the soothing effect of the alcohol, food or drugs. If you don't want to 'hear it' about your alcohol, food or drugs consumption with family or friends...or leave the room or get mad if its mentioned, then stay mad for weeks. If you have to consume more for the same effect, everytime, you might be an addict. If you get pissed off, frustrated, bored or scared and you need a drink, drugs, food or sex to calm you down. If you have blackouts and sneaking drinks or food ('get high to calm your nerves, 'get drunk to deal with the situation' or 'eating to deal with them people' before a party and then acting 'calm, cool and collected' during the party). If you get paid on Friday and have no money on Monday. If you have a drink, a pill, a joint, sex or some food, to feel comfortable in social situations. To take the edge off a little. If there is a clutter of little papers of (food, drugs, or alcohol) in your car or in your bedroom. If your family is clinching there purses to there sides, men have moved wallets to the front pockets, women have hung there furs on the back of the chair there sitting in, and they clear a path for you to walk past them during thanksgiving and christmas holidays. If you tell yourself that no one gives a damn about you, others just don't get you, or you don't fit into the world around you to justify your behavior. The (alcohol, drug, food) protects yourself from more pain and disappointment, so you indulge more to get to the (I feel better, now) feeling. If you grew up in a alcoholic or super religious home and/or were abused in some way as a child If you are paying attention, your mind tells you what you need to know whether we want to hear it or not. If it is haunting you with questions such as "What am I doing," "Why do I keep doing it," and "Why can't I stop," take note. Your problem may have crossed that line into addiction. If you get upset in your chest when others bring up the subject and then instantly defend yourself with statements like: "It's not a problem for me, "If other people don't understand, it's their problem," "I can stop doing it anytime I want to," or "I'm not hurting anyone but myself?" But, in your heart, you know these things aren't true? If you blame your behavior on others or a situation, just know, its a 'sorry' excuse for addicts that keeps them from taking responsibility for their choices. When others are out of the picture, and the situation is resolved and the behavior continues, it's a clear sign that the problem -- is yours. If you have tried to curb your habits with self-help books, DVDs, and CDs, none of them improved your problem. OK, It doesn't matter whether it's alcohol or shopping, drugs or clutter, eating or not eating, gambling or gotta have it sex -- if it's causing problems, and you can't quit even though you want to, then it is an addiction. The good news is that there is help ranging from treatment centers and anonymous meetings to individual therapy. Very few addicts find successful, long-term recovery without a support system. Substance Abuse Treatment Centers To be honest, everyone knows your an addict, you just don't know. I am a 'foodie', food addict, I thought for years nobody knew I had a problem with food. Going to events, eating salad, while the fast food smell was on my breath and clothes. I would stop off and eat fast food before going to family and social functions. Then eat light in front of everybody. Nobody ever said anything until, I started getting clean.(lol) The ultimate goal in recovery is to be happy and free -- free to live life boldly and unafraid, to embrace others and the world around you without the burden of addiction. There is a whole world out there waiting for you to shine your light on it and, through brutal honesty and seeking help, it's possible to get there. Living life on life terms and having fun, being peaceful towards others. Mentally, we are hungry for nourishing experiences. When you are emotionally nourished or at peace, the cravings stop. You cannot heal what you are not aware of that is 'driving you to drink'. Following your counselor, sponsors direction or attending recovery meetings, helps to make your healing possible. You know what, whenever you are tempted, pray "God, will not let me slip up today." and believe with all your heart and find peace. The cravings of addiction ceases, one moment, one day at a time. Broke-to-Better Blogs, Nomopofolks Association, Dallas, Texas 
A successful marriage is one where you are supported, working together as a team, safe to express yourself, respected for who you are and most of all treated as priority. A place where you have reasons to smile most days. The best part of your day is going home to your like-minded partner, who is your companion to grow with as a friend and lover, in a playful and peaceful environment.
She Wants To be loved and listened to 1- She wants to wake up and know we both are on the same team and want what's best for the other one no matter what, dependable and reliable. Yet, have the ability to laugh at life, when we get it wrong. It shows you care about her feeling loved, cherished and honored. 2- She wants to trust him and be accepted for who she is(let her be who she is). She wants loyalty, honesty and openness from him. She wants to always know she is the 'apple' of his eye, that she looks good and matter to him. 3- She wants him to talk to her, respecting her opinion and understand her needs. She wants him to get in the habit of checking in with her and schedule time alone for undisturbed heart-to-heart talks. She truly values friendship and companionship with her partner(the ability to give meaningful feedback to her questions). 4- She wants stability and security of enough money to live on comfortably. 5- She wants him to be a good father. Committed to spending time with her and the kids, doing fun activities. 6- She wants him to be a leader. The ability to discuss and agree upon goals for the family with her. She wants him to take the initiative to find solutions to family problems and achieve goals. 7- She wants him to look his best and be physically fit, she values his ability to make sensitive, passionate, sensual love to her on a spontaneous basis and be handy and helpful around the house. She desires to have fantasy discussions about fun things to do with her mate. 8- She wants him strong. Courage to deal with difficulty, pain or danger without backing away. Set limits on the bad treatment he accepts from others. Yet, she does not accept 'abuse' of any kind. 9- She wants him to talk over his thoughts before he make decisions that benefit the family aspirations, celebrate achievements. 10- She wants him to take responsibility for his actions. Don't blame others when you did wrong. She does not want a soft guy who is timid, because she expects you to get the job done from the boardroom to the bedroom. Yet, be nice and kind to her and others. He Needs To be admired and supported 1- He needs a builder that genuinely cares about him, trustworthy team partner and a good looking wife. Loyalty, cooperation and respect is what he values most. 2- He needs friendship that entails honest loving conversations to know she is supportive, loyal and understands him. Women, the person you chose to marry deserves your respect, and the respect of others, so don't gossip, ridicule or complain about your partner at parties or family gatherings. Support in public and correct in private. 3- He needs her to be his playmate, someone he enjoys hanging out with. Engage in recreational activities that both can enjoy together. 4- He needs sexual fulfillment with his partner. Keep yourself in shape, welcome spontaneity. Be open to new ideas and enjoyable exploration. 5- He needs peace and quiet to think over and discuss what's best for the family. Men will not tolerate a game-playing ‘bossy drama queen’ or 'drop and plop' nastiness for very long. She respects his thoughts and do not fight or tear him down on everything she disagrees with. 6- He needs a confident, smart and secure, women that have there own friends and interests. 7- He needs a genuine person that can laugh at herself and who is uplifting, kind, supportive and loving. She supports his endeavors and don't put obstacles in his way. He needs a prayer partner to help him stay connected with GOD for strength and guidance to make the best decisions for the family prayer list requests. 8- He needs her to believe in him, acknowledge his attempts and achievements and tell him how proud she is of him win or lose, don’t make him feel inadequate. A classmate in learning of GOD's word and career/community insights that will help him navigate toward success. 9- He needs to be accepted and trusted for who he is and for what he is driving to accomplish. Being 'equally yoked' ..ability to see eye to eye on important issues and priorities, helps him feel confident that everyone on the team is rowing in the same direction. 10- He needs most of all encouragement and nurturing, from a loving spouse when times are tough. She needs to believe in her spouse, and show it. Couples
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