Tuesday 24 February 2015

Surely God Never Fails

I don't know how to express myself or use words that can truly bring out the sense of what I mean by "SURELY GOD NEVER FAILS". You can never understand the meaning and depth of light until you go through darkness and Light is all you long for. - Even though it is a tiny bit of light, the influence it has on lighting up your path and giving you clear vision, is something appreciable and that many can or should never take for granted.

Stories have been told of how people have been in a mess and in our human understanding or perception, we write them off like damaged cars that seem to be out of form for repair. But if you see things differently you could be the only one who says that I can bring back this car  to life. I must say that what the Bible says in Job 14: "At least there is hope for a tree: If it is cut down, it will sprout again, and its new shoots will not fail." is surely true. 

We might never understand the pain that someone has gone through or is going through until we have our own experience which in any case no one dreads for, no one ever plans for failure or loss, no one wants to be caught in the bad side of life, you don't know when you will fall or raise up, we are quick to even through stones for every bad thing some one has done, we never think that it could be us, we never think that what if I was in this person's shoes. Life as has been said is what we make it. It is a summation of good and bad choices, but everyday is a learning experience and an opportunity for us to put things right and write a new page of history. 

There is no story so sad that things can't turn around
There is no person so bad that we can't chose to love, love could be their light in the darkness
There is no burden to big that we can't help carry one another's burdens
There is no money too much or too less that we can't choose to share with those in need

All am saying about life and what we go through is that at the end of the day when everyone else turns their backs on you, God never fails, his word says that he never abandons us, he never leaves nor forsakes us. One of the easiest things I have found to do is to believe by faith that God is with me, that is arms are around me, that when I speak he hears me, I might not see him physically but I will see his manifestation in the different people or things who will bring across my path. 

When Jesus read from the Scroll, he said that the Spirit of the Lord was upon him and that he was here to set the captives free, to bring forth deliverance....
He surely is a brother who sticks closer than a friend....
My brothers and sisters I have seen that HATRED does more harm than GOOD but LOVE builds instead of destroying.. 

God hasn't put us on this earth to be a source of pain but a source of refreshment to those around us especially to those who don't know him. If he could forgive a thief, those who killed him, he expects you and I to forgive as well... Just to let you SURELY GOD NEVER FAILS - He is our ever present help in time of trouble. Always turn to God and Seek him.

Wednesday 11 February 2015

Celebrating the Life of the Late Arch Bishop Janani Luwum [16th February Day to Honor him]

I see no Christian write about the Late ArchBishop Janani Luwum but am not saying they should, I have read a few scripts written in the papers about this man, he was not only a person who detested Amin's dictatorship [they say he was a leading critic of the regime and had personally delivered a note of protest to the big man against arbitrary killings and unexplained disappearances of people in the country Uganda], Samuel Oduny in his commentary of today's The New Vision said "Luwum was a courageous patriot". 

PM Ruhakana Rugunda says "Janani Luwum stands tall in our history and as an example beyond Uganda's borders". It is still said that among his good deeds, "Luwum showed great care in the leprosy work in Gulu, holding thanksgivings services to those discharged from the hospital." 

I still can't believe that he was Archbishop for the province of the Church of Uganda, Rwanda, Burundi and Boga Zaire (DR Congo) - this is phenomal and most of all he was A MARTYR, If it wasn't for his faith, I don't know where the Church would be, one act of Integrity without fear, makes him stand out, his life was lost, but above all the Church in Uganda has remained strong since then until now, May God be glorified in all this.

He chose him and set him apart in a time when Uganda was in turmoil, I wasn't born then but I can relate with the story that's why some people stay alive to tell of God's good works .. I am proud to know this family especially the grand children, the likes of Nancy AmitoAkot Kasuti DoraLaker Laura, Norman Luwum, Luwum Daniel.. I know they are many more, May God's blessings flow to you his grand children and the great grand children, may you live to emulate what your grand father did, you are the fruit of his loins... blessed from generation to generation, and as a nation we have all been blessed because of his life. We celebrate his life, Indeed I hope 16 Feb is declared a public holiday to honor him.

Friday 6 February 2015

When I Think About ...

It All Started With An Idea - Ideas are powerful especially when put to work
When I think about the Watch your wearing,
You are able to tell time just because someone sat down and thought, Instead of looking at the rising and going down of the sun, let me put something on their hands that can match the time of the day
When I think About the clothes your wearing,
Some one thought of not just covering you up but making you look good
When I think about the car you sitting in or driving,
Some one thought instead of trekking long distances and using horses, why not make a four wheeled car powered by an engine to take you from point A to B.
When I think about the house you are in,
Someone thought of making it that way so that you could not only have a roof on your head but that it could keep you warm when it is cold or protect you from thugs, bad weather etc
When I think about the Inspiration you are reading now,
The books you are reading now, the articles you are reading now, someone thought let me not just write anything but let me write what will either bring transformation or confusion both extremes catered for
When I think about the smart phone you have,
It was someone's idea that you wouldn't just be able to call and that's it, phones are now micro computers that can do almost everything a computer does, you can even print over the web wherever you are with gadgets powered to do so
When I think about the farms, Institutions, Schools, Banks, Friends, Jobs, etc
It was all an idea, the question I ask today , what are you doing with your thoughts? Do you have Ideas but can't be translated into reality or are you the one waiting for others to think for you.

If we all put our minds to think and bring forth solutions that can change the world, we could be solving today and tomorrows problems, Ideas are powerful only when put to task, Nothing is indeed possible, I marvel at the way it took Thomas Edison 10,000 attempts to create a working bulb, his thoughts and ideas did not just remain in his mind or paper he tried and tried thus today we can enjoy the benefits of light bulbs.

Monday 2 February 2015

How Honest Are You With Budgeting And Applying The Godly Principles Of Money In The Bible?

Proverbs 11:
1 The Lord detests dishonest scales,
but accurate weights find favor with him.

2 When pride comes, then comes disgrace,
but with humility comes wisdom.

3 The integrity of the upright guides them,
but the unfaithful are destroyed by their duplicity.

I have come to realize honesty with myself and what I do opens a door for me. If i acknowledge am weak in a certain area, I am already showing that I need help from someone who is stronger in that particular area.
While budgeting and planning out how to manage your resources these are some key things you will need to know:-

1. You Have To Be Honest With your state of life and work towards making it better, this will make you gain favor with God and his people.
2. In being honest, You Need To Be Humble - this leads to Wisdom and with wisdom you make wise decisions that will change your life and create a good environment for managing your finances.
3. You Need Integrity - as clearly explained, It GUIDES the Upright but when your unfaithful your are destroyed because of duplicity.
Check out this Tip from Scripture: Proverbs 22:29 “Do you see a man diligent and skillful in his business? He will stand before kings; he will not stand before obscure men.”

OBEDIENCE - A key tool to Financial Freedom (You WILL BE SET HIGH ABOVE OTHERS)

Have you ever wondered how such a strong word can blend into financial management. Just Give it A TRY, set your budget and obey the set standard and see the results compared to when you were spending with a plan or direction.
One ACT of OBEDIENCE can translate into generation wealth
Here is a scripture from Deuteronomy 28:1-14
" “If you fully obey the Lord your God and carefully keep all his commands that I am giving you today, the Lord your God will set you high above all the nations of the world. 2 You will experience all these blessings if you obey the Lord your God:
3 Your towns and your fields
will be blessed.

4 Your children and your crops
will be blessed.
The offspring of your herds and flocks
will be blessed.

5 Your fruit baskets and breadboards
will be blessed.

6 Wherever you go and whatever you do,
you will be blessed." ........ read up to 14

Be Blessed

Invest based on KNOWLEDGE and not SPECULATION

The same thing about knowledge comes back whether we want it or not. 

When we have knowledge we are informed. Some one once said that it is hard to manipulate people when they are informed. This same principle applies to financial management and investment in relation to your financial goals.
When you don't have knowledge, it is a recipe for disaster, knowledge makes you make informed decisions and such can make you avoid GET RICH QUICK SCHEMES and appreciate going through the process of a well researched investment opportunity or product or service.
I quote Sylvia Juuko "Any empowered investor will choose where to invest based on knowledge and not speculation, and this will be in line with heir financial goals"
Remember Hosea 4:6 says My people perish for lack of knowledge

Continue In The Things You Have Learned

2 Timothy 3:14 But as for you, continue[be faithful] in what you have learned and have become convinced of, because you know those from whom you learned it,
There are questions we must continue to ask ourselves, if we are to improve on how we do our personal, business financial management.

Am I continuing in what I have learnt by practicing it?
Am I faithful to myself and to the application of the principles?
Am I consulting even more concerning something I am struggling with?
Am I reading to find out more about that subject?
Am I networking with people in that field to learn from them?

There are certain habits we need to develop in relation to the questions asked, Timothy continued and was faithful in what he learnt as he practiced more and the source of the person who taught him was also authentic and that played a big part in his success story.
A friend of mine called Bweme Antonio once mentioned that "When we develop the habit of success, we make success a Habit"


The best investment you can ever make is in your brain, scripture confirms this by saying we should be transformed by the renewing of our minds.
When you aren't transforming, it means you are conforming to something. 
When it comes to financial management, the same principle applies, we need to keep learning and re-learning, we can only be changed by what we read and how we apply it...
2 Timothy 2:14 [KJV] Of these things put them in remembrance, charging them before the Lord that they strive not about words to no profit, but to the subverting of the hearers.
15 Study to shew thyself approved unto God, a workman that needeth not to be ashamed, rightly dividing the word of truth.

There Is A Benefit To Applying What You Have Learnt

Time is never in any one's hands and scripture actually says we should redeem time (probably one of the only things that can be redeemed) but it is one of the resources if not managed well, it can affect almost every thing we do.

We need Wisdom, When applied we can enjoy the benefit of it thereof..

I have mentioned before that there is a cost for reaching late, that price pinches more than ever and it all comes down to poor time management. So with this said and since time can be redeemed, It is never too late to change course and follow your passion and apply what you have learnt.

“Perhaps the most valuable result of all education is the ability to make yourself do the thing you have to do, when it ought to be done, whether you like it or not.”
Psalm 90:12 "Teach us to number our days that we may apply hearts to wisdom"
There is a story hear of a guy who got a Masters in MBA, did accounting but found his niche in chicken business, I guess nothing is impossible, it is just our minds that don't want to walk out of impossibilities..http://www.monitor.co.ug/…/…/-/item/0/-/3q20ppz/-/index.html

Goal Setting Gives You A Bench Mark

(One of the Most Important principles in life) - Can be applied to financial Management.
Borrowing from scripture Paul said in Philippians 3:14 "I press on toward the GOAL [MARK] to win the prize for which God has called me heavenward in Christ Jesus."
If you never have a goal in life, you will live aimlessly, the wind can take you anywhere without your permission

Goal setting is one of the most powerful tools any one can use to be successful in anything they put their hearts to do. It is something that is not usually taken seriously, I for one still suffers the fate of not fully adhering and pressing towards my goals, but each time I have focused and remained on course I have seen tremendous results, all you need is FOCUS, DETERMINATION and CONSISTENCY.
If you set out to read literature for 30 mins every day and you maintained that, you will acquire information and you will always remain relevant, In fact a study was done that one of the habits of wealthy men is to read something for 30 mins everyday.
When it comes to financial Management or SAVING, have you realized your goal, Did you set them in the first place, How much did you want to save and for what exactly, YOU MUST HAVE A GOAL, it helps you fulfill purpose and attain the VISION set before you, If you don't have a goal, you have nothing to press to.
Here are some tips on:-
How to achieve your savings goals
1. Know how much money is needed
2. Have a clear savings plan
3. Regularly review your progress
4. Have a specific saving time frame
5. Tell your family and friends about your goal

God bless you as you start with realistic goals

Making an Extra Buck (Money)

As I write this, I guess this is one question that lingers so much in the minds of many people, How do I make Extra Money? I don't know if it is just a mindset issue or it's our upbringing that plays into the way we think, work and do many other things.
At least one thing am very sure of is that God has blessed all of us with a set of skills, either taught from school or colleagues, also self taught etc But some how there is something we can do with is. Some of them have been classified into hobbies or just something someone loves to do.
You could be the person who has loves photography and you do it as your hobby, if you were serious enough, that could be turned into an opportunity to make some extra income, you never know if it went to higher levels with deeper commitment and focus it could turn into a business. It could be cooking or baking cakes, decorating, book reviews etc.
You could be living in a very spacious place and have many rooms or outside squatters that can be rented for travelers or you could be having an extra car that is just sitting home but can be hired out probably for a wedding or travel etc.. Money is all around you, all you need is an idea to fish it out of someone's hand.
I must say, I keep thinking but more so looking at what is within my reach even my own brain and knowledge can be that valuable however a few months back, I decided I would use my I.T skills as a Freelancer first of all as a service to those who need it and as time went on, I realized I could do a little charge for some of the things I did so that my time, knowledge and expertise has some value attached to it. As of date I have recorded some tremendous records of the little monies I have got and I can gladly say it has been well saved and it's earning some interest on something, this will help me do some more projects I would love to do in the near future. But the truth is you can make some extra money. 

You don't have to think so hard, all you have to do is be smart, give good service and you will find that you will become dependable and even when you ask for a little more money it keeps growing and you are given it with confidence. What Skill do you have? and are you willing to first use it as a service to add value then you can put a charge a little later with time.
The scripture that would sum this up for me is:- 
(She Saw Her Trading profitable)

Proverbs 31:16 She considers a field and buys it; out of her earnings she plants a vineyard. 17 She sets about her work vigorously; her arms are strong for her tasks. 18 She sees that her trading is profitable, and her lamp does not go out at night.

Empowering People With Financial Skills

Excerpt from an Article I wrote on December 11, 2014 on the N-Trust Investments Financial School
Here is it's Facebook group that you can join 

This becoming even more necessary and everyone who gets an opportunity should seek to learn [Learning never stops].
This morning I met 2 security guards around Wandegeya. I asked them why they do sports betting [Gambling] and they said, "You know us guards don't get much" and it can take us a while however we save part of the money we get from the bets.
However I told them that if they managed their finances well and put it into investments that can grow, then they can be able to build some wealth. I gave them an example of how I used to save coins and made about 500k at a certain point.
But they said that in the gambling they do, if they put 1000 ugx and got 40,000 ugx then that's not a bad deal and that they try to save it too but still I asked where they put the money or if they have surely gotten anything out of it. I told them that they have become addicted and it is not good for them, it is not the right way to make money because they need a quick money or get rich quick. I asked them what they would teach their children in regard to finances, because what they do now will most definitely affect also their children.
I gave them a few stories of mine and told them not to look at gambling like climbing a mango tree. Because one of them said that if you climb a mango tree and fall, you can go back, but i told them the mangoes come in a particular season too and that the tree is fixed in the compound, This just showed me there is a great need for continuous empowerment, some people even haven't heard or been taught how to manage finances however small they are. I encouraged them and told them it is possible to change their mindsets, live within their means, save and invest event though it means putting little a side, it can make a difference. I still remember in prayer they taught us "One by One makes a Bundle".
The culture of saving, investing I guess needs serious resurrection otherwise our economy will keep suffering if people are not enlightened.
The Scripture says in Proverbs 21:20 [KJV] There is treasure to be desired and oil in the dwelling of the wise; but a foolish man spendeth it up. [NIV] "The wise store up choice food and olive oil, but fools gulp theirs down."
Here is what Justice Sebutinde had to say in this news journal The wise store up choice food and olive oil, but fools gulp theirs down.http://www.newvision.co.ug/…/662708-justice-sebutinde-calls…

Improving Financial Knowledge

One of the benchmarks of personal finance is the KNOWLEDGE YOU HAVE acquired all over the year in regards to finances. I once wrote and said if reading stops then learning stops.
I am fascinated by this story of Ben Carson [From the Book Gifted Hands]
".......Sonya Carson saw her two kids spending small time on homework, and so much time on the TV. In her head, she was scared; scared that the kids might end up having only a 3rd grade education. She turned off the TV, and from then on, the Carson kids were only allowed to watch 3 shows a week, and at the end of every week, Curtis and Ben were to bring to their mom a written book report on 2 different books of their choice. Mrs. Carson wanted her kids to improve their knowledge, instead of watching TV so much. Mrs. Carson later made them memorize the times table. This system went incredibly well for Ben. His grades started improving tremendously, and at school, people used to make fun of him for his poor grades. Now, all that stopped. Ben actually started to enjoy school. Ben‟s grades shot up, and now the same people who used to make fun of him were coming to him for help on homework...."
From the story Ben's Mother wanted her kids to IMPROVE THEIR KNOWLEDGE, instead of watching TV and indeed it actually worked for Ben and he enjoyed school. This notion of life speaks to many of us and I strongly believe if we put a stop to certain things that take most of our time and lived out a balanced life, then we can begin to see change also in our finances [knowledge Acquisition] and many other things.
If through out the year, you have not even made any strides in acquiring knowledge for an evident problem, then I would encourage you to find a way of IMPROVING, make it you immediate financial goal.
Personally after reading the book "MAKE SENSE OF YOUR MONEY" byJames Abola and his friend, I have made great strides and I did not just stop there, I have continued to search out more and more and the secret has been in applying, which I am trying to do everyday, things like working on a budget, tracking expenses, understanding my cash flow, using my skills to make an extra buck etc and also more so seeing others transformed by what we have taught from what we have learned and applied, Benjamin Tumukunde a friend of mine has a very good testimony of how things have changed in his life. I recommend that book "MAKE SENSE OF YOUR MONEY" it can be found in book shops within Uganda

Proverbs 2:10 says "For wisdom will enter your heart,
and knowledge will be pleasant to your soul."

START Something around the area of your passion

Passion is the Fuel for Purpose, It is needed, the Love to Do and the Love to Will

A GOOD READ for everyone, If you have an idea, it can become your business, Get the skills, be patient and keep growing, After reading the story of these two brothers, I guess it defies the odds that nothing is impossible, even family members can do business together, just have a vision, purpose and passion for what you do... It is the time for young people to RISE.. With God all things are possible.

START Something around the area of your passion as long as you can solve a problem with what you do.. they chose to give quality videos, customer care etc 


6 Reasons People Stay in Debt by Dave Ramsey

The worst thing that can happen to any man or woman is the DISEASE called DEBT, it is a form of financial slavery that many Banks that loan money never want to educate their subscribers about. The bible teaches that a borrower will be a slave to the lender.
Having read an article from Dave Ramsey, I agreed with many of the reasons listed, they could be more that you yourself knows but here is a list:-
1. They Want to Keep up appearances
2. They are unwilling to sacrifice
3. They fear change
4. They are addicted to stuff
5. They don't know how
6. They are lazy

You could read more from the article and see if anything affects, then DO SOMETHING ABOUT IT, you just need to change your attitude and start off ..

Compound Interest

The first time I read about compound interest was from the book "MAKE SENSE OF YOUR MONEY" by Mr James Abola. Having understood the principle, I said let me teach my wife what I have found out but more so I gave her the book to read so that she could chew the food and get satisfied on her own. Today as I checked our account, I indeed saw a big change and I must say - knowledge can only be really valuable when put to practice

This is what compound interest is from Wikipedia -
Compound interest is interest added to the principal of a deposit or loan so that the added interest also earns interest from then on. This addition of interest to the principal is called compounding. A bank account, for example, may have its interest compounded every year: in this case, an account with $1000 initial principal and 20% interest per year would have a balance of $1200 at the end of the first year, $1440 at the end of the second year, $1728 at the end of the third year, and so on.

Ben Carson says "No knowledge is wasted knowledge" - God bless you as you keep putting to practice these timeless principles - when you read Mathew 25 about the parable of talents, you can see the difference between a person who puts to practice what he has been taught. My wife and I might not be so far in life but we keep growing little by little and one day we shall testify even more because the steps of a righteous man is ordered by the LORD.

Health Is So Important To Work, Service, Business & Financial Management

One person may ask, How does health play apart in my financial management. I would only say one thing ask the people who are sick how much they are spending or how much is being spent on them. If you went to Mulago [Our Referral Hospital] or any hospital in the world, you will agree that one of the greatest asset a human being has is HEALTH. The bible teaches that a merry heart is like medicine to the soul [Proverbs 17:22] and I agree that is very true.
It has been written in the scriptures that we need not to worry [Mathew 6:33] instead seek the Kingdom of God and his righteousness, this is because WORRY can not add anything to your life. One of the things that make us get sick, starts with the state of worry which then brings in stress and we know it's one of the number factors that kills people. Heard of people who get heart attack or high blood pressure, they will tell you they were stressed [worried about this and that].
I write to encourage us to watch what we eat [personally I kicked soda out of my life], I prefer to take juice or water and for the past 1 year now, I have greatly benefited. Find time to exercise and sweat out toxics [every saturday I go to the basket ball court  and I play basket ball which has greatly helped me]. 
The healthier you are, the better you will be to enable you learn and apply the many things you learn. When you are healthy you are able to work. The greatest wealth might actually be your health.
Stay healthy in you mind, soul and body, then you will see the benefits even in your finances.
This scripture puts it perfectly for me: 3 John 1:2 "Dear friend, I pray that you may enjoy good health and that all may go well with you, even as your soul is getting along well."

Some Tips From A Friend "Edward Hire"

1. Pay God first and then pay yourself second. For all income
you earn, take 10% tithe and 10% for saving. Most people
tend to find reasons why they cannot afford to save. Maybe

you are one of them! They often complain of small income
or expensive bills, children are demanding and all kind so
of reasons. How can God bless a storehouse that you do
not have? Deuteronomy 28:8 “The LORD will guarantee a
blessing on everything you do and will fill your storehouses
with grain. The LORD your God will bless you in the land
he is giving

you.” – Edward Hire Yosia
2. Ten to 50 percent of your salary should go to work for you. Money in the purse is only gratifying to the soul; so put your money into you savings plan and less in your purse for immediate and easy spending.
3. Learn to live on less than your purse(i.e what you eventually have left after servicing your savings plan) and learn to live on less than your salary. The Indians are good at this. They are frugal.
4. Don’t be in a hurry to invest. Take a great caution so that you do not lose your money.
5. Analyze your priorities. Discipline yourself to save and invest, and there
by later attain increasing wealth. Money can not quench desires; only.

6. Save for uncertain times such as old age or unexpected circumstances(1 Timothy 5:8 “Anyone who does not provide for their relatives, and especially for their own household, has denied the faith and is worse than an unbeliever”.;6:10 “For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.”).
7. Accumulate wealth first in small amounts, then larger amounts as you learn and become more cable.Your goals should be simple and definite.
8. Be focused, and concentrate your efforts to acquire more information, new friends, strategies for better service, and cheaper and better products.
9. Beware of lending out money. You are not a bank, so do not bring others burdens on yourself.

Tainted Wealth Has No Lasting Value

Proverbs 10:2 NLT [2 Tainted wealth has no lasting value,
but right living can save your life.]

It is always a good thing to sit back and ask yourself, am I making this money the right way, I am being faithful with myself, family and workplace in regards.
There is a high quest to make money and this can tempt anyone to do the most outrageous things which are against the word of God. And because of that we think we are doing the right thing forgetting that what we do now shall also affect our children.
If you are to make money, even when it comes to profits let it not be blown out of proportion, it is good to make profits but the right way - Proverbs 16:11 NLT [The LORD demands accurate scales and balances; he sets the standards for fairness.].
Remember the LOVE FOR MONEY [Not Money] is the root of all evil. This comes as a reminder that money can be made the right way and you can always be happy without any form of guilt. At the end of the day as the scripture says RIGHT LIVING CAN SAVE YOU..

How You Use Your Resources At Home, Will Determine How Much You Save

Sometime back while looking at our home expenditure with My wife, we wondered if the BILLS could be an issue at home especially WATER & POWER. But while I was still at my moms, there is a principle I learnt of switching off lights while not in use and indeed it makes sense, why should lights be on when not in use, I know anyone would want to have the whole house lit up and looking like some CELEBs house but it really doesn't add up to anything.
The vital principal I learnt from my mom came into play when I got married , I told my wife about saving on power by switching off lights and this played into our favor. We also don't keep the taps running anyhow Recently I was asked by someone how much I spend on power BILLS and I told them 20k [20,000 UGX] a month and the same also for water, they couldn't believe but that's the truth. When it comes to using the Micro wave, we used it when we really need too, otherwise Gas or the charcoal stove can warm the food or cook it at that. When it comes to ironing it is done once a week and clothes are ironed for the week sometimes of-course due to change, it could be just twice.
Save on money by looking through your routines at home, you could find yourself doing much more... my wife and I also found cooking a lot of food and not finishing it wasn't good, especially us being two for now, we just cook what is enough to avoid throwing food which is money thrown and wasted. It is not all perfect but as you keep being disciplined you will see the reward.
Let John 6:12 When they had all had enough to eat, he said to his disciples, "Gather the pieces that are left over. Let nothing be wasted."
Dr Myles Munroe once said that SUCCESS is predictable - it is not luck, Failure is also predictable.

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