Tag Archive for Goals

The Dark Side of Debt Creditors Never Show You

Guest Post by Beverly Hootman

“… and the borrower is slave to the lender.”

Proverbs 22:7, NIV

Portofino Bay, Orlando, Fla.

How true and hurtful this statement really is!! Truth, my husband is working two jobs to make sure we pay our debt. One is a full-time position as a firefighter/paramedic and the second is part-time as a paramedic in an emergency room.

He works long hours and is away from home a lot. Most of the time when he is finished working a 24–hour shift at the fire department, he goes to the hospital and works a 12–hour shift. That leaves him only one day off, then he is back to work to do it all over again.

Hurtful … we miss him and he misses us! He is tired after that kind of shift, and all five of his children and his wife want a piece of him. Plus, everyone needs time to themselves, and he just doesn’t have any time left.

One of Merriam-Webster’s definition of slave is: one that is completely subservient to a dominating influence. We have made and chosen the lenders in our lives to be the dominating influence and that has come at a cost. Family time is spent cleaning because mommy is burnt out and needs help. Quality time is replaced with video games because daddy just needs to veg. Vacations are non-existent because we can not afford them. So who gets all of his time and money? Our lenders!

Long story short, from 2008 until now we have managed to rack up a approximately $61,000 in debt (not including our mortgage) and have paid it down to just under $19,000. I know that is great but at what cost? That $19,000 is still a heavy weight on our shoulders … all of our shoulders.

Our children have time and time again begged for daddy to stay home, but he can’t. They have asked to go places other people go, but we can’t. All of our money is going to our lenders.

So, you see, when you borrow money from a lender you are taking time away from your family, your friends and yourself.

Do we sit down and go, “Well this car is $400 a month. That means I have to work this many more hours for this. Oh, and I have to be away from friends and family for those hours. That vacation I have been wanting to take will wait. I will have to miss this thing and that thing. Oh, and, God, my morning time with you just got used up for sleep.”

Maybe if we started to look at the whole picture of who and what is affected, then we would look at that car, that blouse, that house a little more differently. We get so caught up in instant self gratification, desires and wants that we don’t look into tomorrow and beyond. We don’t look at how it affects our life and others … and the borrower becomes the lender’s slave.

So, when you pull out the credit card or sign on the dotted line have you thought about the whole cost?

About Beverly Hootman: I am just a girl who loves running after God and falls flat on her face doing it. I like being real and transparent, not sugar-coating life’s issues. I love my husband and the five children God has blessed us with. I stay at home and home-school our children. I enjoy my morning time with God, blaring music, dancing with my children and giving my husband a kiss goodnight.

How Does a Blogger Discover One’s Voice?

When I knew I wanted to be a writer back in the ’80s, I read a Writer’s Digest article that offered a simple path: Get an apartment in New York City, place a typewriter on your kitchen table, sit down and start writing. When you get up in 10 years, you will be a writer.


Well, I did not get an apartment in New York and opted for a dedicated word processor (I believe it was an Amstrad sold by Sears) in 1986 and a few years later an IBM-clone. Wouldn’t you know, in about 10 years I finally got the sense that maybe I could write.

Another way of looking at this is that it took 10 years for me to find my voice in writing.

Since December 2012, I have been blogging regularly, and it is mildly discouraging that I have found neither a voice for my blogging nor my blog.

The Z Section is supposed to be about anything. I fought the urge to “specialize” and focus on a niche to give me the freedom to write about whatever caught my attention. What I have discovered is anything can be anything and sometimes anything can be too daunting so anything becomes nothing.

Will I specialize? Will I focus on a niche? Truthfully, I am not sure.

But, here is what I know:

  • I have varied interests.
  • These interests include my Christian faith,
  • Reading the Bible,
  • Family,
  • Technology,
  • Smartphones,
  • Tablets,
  • Computers,
  • Social media,
  • Leadership principles,
  • Journalism,
  • Blogging,
  • Writing,
  • Pets, and
  • so much more.

The thing is, down the road I want to write books, and I want them to focus on potential material for Sunday school classes. However, as I look over this blog, admittedly about anything, I find very little that point toward that direction.

So, you can expect more regarding faith and how it intersects with all of those things above. Perhaps there I will find my voice.

I hope it doesn’t take 10 years.

Oh, Powerful Oz, it Pays to Know and Deal With Your Limitations

I have been fascinated with magic since a friend’s father showed me a couple of tricks. For a pre-teen boy, those two effects blew my mind away. For me, magic always represents possibilities: Anything can happen.

My wife, Wendi, and I recently went to see “Oz The Great and Powerful,” a prequel to “The Wizard of Oz.” I haven’t read any reviews, but I heard they have not been kind. I don’t know why. I found it to be a wonderful story with excellent cinematography and photography. It was funny, corny, hokey, touching and inspiring.

In the movie, James Franco plays Oscar Diggs, aka Oz, a carnival magician. He is performing in Kansas. He wants people to believe he can do great and powerful things and that he has magical powers. However, when a little girl in a wheelchair asks him to just make her walk again, a not-so-great-and-powerful Oz struggles about how to respond to the challenge.

Because Oz wanted people to think of him as great and powerful (“Kansas is full of good men; I don’t want to be a good man, I want to be a great one”), he could not admit to the girl his limitations. One gets a sense he wishes he could and he probably feels a bit impotent, but his response upsets the family and the audience.

One of the teachings Stuart Mykrantz, an Air Force veteran who once worked for NATO, lives by is “Mess up, fess up.” I sat there thinking, if Oz would have only explained the limitations of his powers at the beginning, then everything would have been OK. But, he couldn’t and didn’t.

When Oz escapes from the strongman at the carnival (the strongman did not like him getting together with his girl), he rides off in a hot air balloon as a tornado is coming in. He gets caught up in the twister and is carried off to Oz, a far-away land. There, he discovers he is the great wizard who will fulfill a prophecy and free the people.

As the story unfolds, some of Oz’s talents at sleight of hand and as a con man help get him out of situations, which positions him to be scene as this great and powerful wizard. However, as the moment nears when he has to summon up strength and power he has never known to this point in his life to beat the wicked witch, Oz finally fesses up: He cannot do because he is just a carnival magician.

Once Oz acknowledges the limitations of his abilities, it is sort of freeing. He doesn’t have to pretend and put on a show; he was relieved of a burden that allowed for him to think of a way to overcome the wicked witch by combining the ordinary talents he did possess and use them in an extraordinary way … with the help of others.

I understand this is just a movie, but I also think it teaches an important fact: We need to know what our limitations are and acknowledge them. When we do, then perhaps it will open up opportunities to utilize what we do have to overcome the obstacles before us.

Enjoy the Oz trailers below, and if you are thinking of taking your children, Common Sense Media says it is “considerably darker and more intense than The Wizard of Oz.” But, it also notes, “On the bright side, the movie offers a lasting lesson about how teamwork and friendship between unlikely allies can overcome obstacles and how a person’s legacy lives on in people’s hearts and minds.”


Don’t Live Paycheck to Paycheck; Turn Things Around Like We Did

Do you always run out of money before the next paycheck? Do you need credit cards to get by? Do you want to live a life of financial freedom?

Wendi Joy of Budgeting

You can turn your financial life around, but it is going to require work. It will take effort, and you will have to make some hard decisions. If you always do what you have always done, then you will always get what you have always got. Resolve to turn things around today.

What comes to your mind when you think of budgeting? I bet it is not joy, though it can be. My wife, Wendi, was recently asked speak at Parkview Christian Church’s Women’s Retreat, and the theme was “Choose Joy.”

Because of the success we have had with Dave Ramsey (mainly due to Wendi’s ability to create a spending allocation plan and budget that works for us), Wendi was asked to give a presentation on the “Joy in Budgeting.”

In her 45–minute talk, Wendi spoke about our struggles to make ends meet, even though we made good money. She talked about how we relied on credit cards when we moved from Hillsboro, Ohio, to Wooster, Ohio, and maintained two residences for a year. Both of us took much less money when we moved to Wooster because it was important we be near her father, who was dealing with a health issue at the time (he is doing much better today).

Our finances began to improve, but it wasn’t until we started Dave Ramsey’s Financial Peace University that things began to turn around. We had read “The Tightwad Gazette” (a great book of tips on how to live a frugal life, was printed in 1998, but still some good advice) and Mary Hunt’s books, but it was Ramsey’s 13–week Financial Peace University that helped us put it all together.

In her presentation, Wendi made it clear, financial freedom is a possibility, but things have to change, like making a budget and sticking to it. A budget is merely a spending plan that directs where the money you earn will be spent. As Ramsey says, it is spending every dollar you earn on paper before you receive it.

Normally, it is just the opposite: We spend our money on plastic (credit cards) before we ever earn it. In so doing, we are committing future dollars we might or might not earn.

Wendi was concerned about whether anyone would sign up for a “Joy in Budgeting” presentation. Well, they did. She had to get more seats for her presentation as the number who attended exceeded the number who registered.

Each of them were given a booklet because Wendi did not want them to miss anything. She later expanded on the booklet and has offered it for sale on Amazon. It is available only in the Kindle format right now. (You can check out the “Joy in Budgeting” when you click here.)

In her book, Wendi lays out a plan to turn your financial life around. Here are many of the steps:

  1. Make a monthly spending plan (aka your budget!)
  2. Make it a commitment, and get an accountability partner
  3. Make a decision to give a portion of your income to a church or charity
  4. Set up an emergency fund of $1,000 to avoid a financial crisis
  5. Follow a plan to get out of debt, whether it is Hunt’s Rapid Debt Reduction or Ramsey’s Debt Snowball (they are basically the same thing)
  6. Put money aside in a freedom account each pay period to help with ongoing bills or expenses you have (like Christmas gifts, property taxes, license plate fees, school clothes, etc.)
  7. Use cash where you can (because you will spend less)

If you have Dave Ramsey’s or Mary Hunt’s materials, then it is likely you will not need Wendi’s book about the “Joy in Budgeting.” If you don’t, then it might be worth your while to check it out.

However, the primary goal is to help you get out of debt, stop living paycheck to paycheck and turn your life around, which is why I created a page to help you get out of debt. You can visit it here, and check out the free resources at the bottom of the page. Best wishes. Let me know how you do.

Do You Remember Where You Were the First Time You Heard Dave Ramsey?

It is 6:30 a.m. on a Saturday morning, Feb. 23, 2013. I can hear my wife, Wendi, rehearsing for a talk she is giving today about “Joy in Budgeting.” She is talking about how we ended up being part of Dave Ramsey’s Financial Peace University class.

Wendi Warren

Wendi Warren speaking at a Dale Carnegie class.

So, do you remember where you were the first time you heard Dave Ramsey?

I was driving in my car listening to a radio station out of Akron, Ohio, when I heard Dave’s program. He seemed to be making a lot of sense. But, something Dave said intrigued me: “The only way to true financial peace is to walk daily with the Prince of Peace, Jesus Christ.”

I would catch Dave a few more times before my wife and I finally decided to become part of an FPU class in town. It was being offered at Grace Brethren Church in Wooster, Ohio. Almost immediately, it turned our lives around. This was in January 2009.

Later that year, Wendi and I facilitated the FPU class at our church, Parkview Christian Church, where it helped others get on better financial standing.

It was nice to hear how Dave Ramsey’s teachings came into our lives and helped us to eliminate debt, stop living paycheck to paycheck and not have to charge something when there is a major home or car repair. We are also giving more and helping out children in developing countries. Not too shabby for a couple of people who were struggling to make ends meet.

Wendi wrote a booklet for the class, which is now offered for $2.99 in Amazon’s Kindle store, aptly titled “Joy in Budgeting.” The Kindle version contains more material than the booklet she is handing out, and it has links to additional free resources, like spreadsheet templates for a spending plan (a budget) and an allocation plan (how your money will be distributed).

If you are looking to get out of debt, then Wendi’s book is a good place to start. Also, be sure to check out the Get Out of Debt page on this blog.

So, where were you when you first heard Dave Ramsey, and what were your impression?


Learning Some Lessons About Persistence From Josh Krajcik

Josh Krajcik is well-known and well-respected as a singer, songwriter and musician in his hometown area of Wooster, but despite all of the love, he found it difficult to make a mark in the music industry. Until The X Factor.

Krajcik at COW Pixlr

Krajcik was among the performers featured on the inaugural season of the latest singing competition from Simon Cowell. The singer’s rendition of Etta James’ “At Last” went viral and catapulted Krajcik into the country’s consciousness. He was an overnight sensation after about 14 years.

Eventually, Krajcik would finish as runner-up behind Melanie Amaro. Despite the second-place finish, Krajcik seemed poised to have a better, longer-lasting career than the Amaro or third-place finisher Chris Rene. His soulful, bluesy voice, described by “The Rolling Stone” as a combination of a “young Joe Cocker, Bob Seger and old Joe Cocker, just seems to have a staying power what will not be as susceptible to changing fads.

The second season of The X Factor did not do as well as the first. After reading about some of the ratings struggles, I posted this:

Krajcik provided a compelling story line for that first season. The 30–year-old burrito slinger resigned himself to working at burrito joint and playing gigs when he could. Then came the audition for The X Factor. Once that aired, it looked as if it would be smooth sailing: Incredible voice; incredible talent; and incredible response.

Despite turning in wonderful performances and being a fan favorite, trying to get a contract signed and album recorded was very trying. Even though Krajcik wanted things to move at a faster pace, he was always able to separate the business side from the music side.

Whenever Lydia Gehring of The Daily Record would interview him (and I would shoot video, as in the photo above), Krajcik always remained upbeat that something would happen soon. Well, finally something is happening. He released an EP on iTunes, and it was a top seller. He recently announced his new album, “Blindly, Lonely, Lovely,” to be released April 2. (You can preorder it through this Amazon affiliate link: Blindly Lonely Lovely.)

“The Rolling Stone” had a reader’s poll, and Krajcik’s album came in as the sixth-most anticipated release of 2013, behind U2, Pearl Jam, David Cook, Arcade of Fire and Queens of the Stone Age. (I can understand being behind U2 and Pearl Jam, but not the other three.) To understand how impressive this is, consider the rest of the Top 10: Black Sabbath, Brittany Spears, Tool and Lady Gaga all finished behind Krajcik.

Until Krajcik demonstrates he can sell records (or digital downloads), all he has done is shown a potential. However, he is in a position to be successful because he never quit, he never gave up, he pursued a music career on his own terms and played with the hand he was dealt. We can learn about persevering from watching what he has done.

In the times I have been with Krajcik (and he has been generous with his time at the Cleveland House of Blues and College of Wooster concerts), he never complained about what was happening on the business side of the ledger. Instead, he focused on those things he could do.

Life might put up obstacles in your way, but let’s focus on what we can do and start there.

Check out this video I shot and edited featuring Lydia Gehring interviewing Josh Krajcik:

Updated April 5, 2013: Listen to the first five minutes of this video. Everything Krajcik was talking about in September is playing out right now, including the promotional tour.

Lessons I Learned Working with a Freelance Illustrator

When I dipped my toe into the world of publishing through Amazon’s Kindle Direct Publishing, I had no idea where it was headed. What I discovered was I landed a gig as an executive project manager on a fairy tale with a Christian message to it, so I needed to work with a freelance artist.

Princess Sketch Freelance

Actually, I began exploring all of the possibilities with publishing via KDP, and it occurred to me my wife, Wendi, had written a fairy tale that would be a good project. I had been reading Timothy Ferriss’ “The 4–Hour Workweek,” and he talked about working with freelancers through elance.com, which I decided to do.

We found an illustrator in Armenia, and we really liked her style. When we solicited bids for the project, she returned with a very reasonable price, and we came to an agreement. For us, this was an exciting time.

The project ran into some hiccups in the early stages, and I learned some things in the process. Based on my experience, here are just a few things you should consider when working with a freelance illustrator (when it is not possible to meet face-to-face):

  1. Communicate with the artist in broad terms, but clearly identify some boundaries. In sketch No. 1, this is all the direction I gave the illustrator: “A wide shot of Princess with Castle and woods in the background and the ability to use a close-up shot of the Princess.” That is exactly what was delivered, just as requested. Because this was my first time doing something like this, it would have helped if I also added: “Because this is a story with a Christian message, the princess needs to be dressed modestly.” Not fully understanding what I needed to communicate, it caused delays. I responded and told her that the neckline needed to be moved up. I used a photo editor to take her drawing, modify it and show her an example of what I wanted. This can be seen in sketch No. 2. However, leave the artist room to create and express herself or himself.
  2. Be prepared for the work flow to be interrupted due to time zone differences. Armenia is nine hours ahead of Ohio. When I am going to bed, our illustrator is waking up. When I wake up, our illustrator has finished her work for the day. There is no overlap, so if I want something changed, it is a two-day process, at minimum. To work like this, you need to recognize there is no immediate feedback or reaction. It is a process. If you are uncomfortable with this, find an illustrator in your town or the closest one you can find.
  3. When working on a project, plan for delays in the timeline: By not clearly identifying some boundaries, there were delays. One of the issues we ran into was a time when Internet service in Armenia was not optimal. This was not the fault of our illustrator. Also, after we communicated what we wanted from the original sketch, you can see in illustration No. 3 what was delivered. This was not what we asked for, however, mistakes happen. The illustrator could have been in a hurry with other things, maybe dealing with some traumatic things in life, and the result is the changes were not made. My full-time job is a reporter, and I make mistakes all of the time. Why the illustration came back wrong was not a concern to me, we are all human. Getting it corrected was, and you can see in illustration No. 4, our illustrator accommodated our wishes.
  4. Find a freelancer who recognizes this is a give-and-take relationship. It is important for the freelancer to understand while you will give them some latitude to be creative, at the end of the day, the project will bear your name, so it must be what you want it to be. The next time I hire a freelancer, I will articulate that I can be picky at times. It does not mean the work produced is bad or inferior, rather, I just want something else — it doesn’t work for me.
  5. Be a contractor who recognizes this is a give-and-take relationship. You, too, must understand that you must be flexible where possible. Do not give up your principles or values, but allow for the creative process to work. In one of the illustrations that will be in the book, we needed the princess to be shown in a work camp setting making bricks by hand. I have no idea what this scene should look like, but the illustrator came up with something, thankfully. I do not have the ability to express Wendi’s books in pictures, so I have to give up some control.

Working with a freelancer has its challenges, but understanding what they are going into the process will help provide for a better outcome. I am quite pleased with how this process is moving forward, and even with the delays, the project is still on track to be done on time. We are hoping to publish it on Kindle on our anniversary, March 4.

Stay tuned.

Kindle Fire HD 7 Continues to Score Big Here

It’s been nearly seven weeks since I purchased a Kindle Fire HD 7, and I am liking it more and more everyday. For good reason.

Amazon Kindle Fire HD 7

I remember reading on Michael Hyatt’s blog about how preferred the iPad Mini over the original, larger version, saying the Mini was what the iPad should have been from the start.

Having never owned an iPad, I cannot make the same statement, but I can say this: The Kindle Fire HD 7 is what netbooks should have been all along. When my wife’s laptop became old, outdated and slow, I wanted to get her a new one. However, there was something attractive about the netbooks. At the time, I did not fully understand what they were; I just thought they were slightly smaller laptops.

Well, in a sense, they are. Netbooks are smaller than laptops. And, netbooks kind of look like laptops. But, what we discovered is a netbook is not really a laptop. A laptop is for computing, and a netbook is mainly designed to surf the Internet.

My Kindle Fire HD does just that. It surfs the web, it feasts on Amazon.com content, it plays games and it even contributes to some productivity. After I first purchased the tablet, I carried it with me sometimes. Now, unless I know I am going to be totally tied to my desk at the newspaper, it comes with me.

Why I Carry My Kindle Fire HD All the Time:

  • It turns my vehicle into a mobile university: This is the No. 1 reason why it is with me most of the time. By owning a Kindle device, I can turn on Amazon’s text-to-speech function and listen to books while I drive. I just finished reading/listening to The Toilet Paper Entrepreneur (which turned out to be better than I initially envisioned). Whether I am in the Jeep five minutes or 35 minutes, I like having the option of listening to a book.
  • It keeps me up-to-date with my blog: I have a WordPress app that allows me to edit or create posts, check my site stats or do anything else I need to with my blog, as long as I have a Wi-Fi connection.
  • I keep my teaching notes on it: I teach an adult Sunday School class at Parkview Christian Church, and I send all of my notes to my Kindle device. I have a study Bible loaded on the Kindle, and I keep my notes for Sunday School on it.
  • I can capture thoughts using Catch app: When you start blogging, you realize how important it is to get your ideas down. With Catch Notes, I can do that. The free app allows you to write notes, record audio notes, take photos, set up reminders and create checklists. I used it the other day to jot some ideas down for future blog posts and a future book.
  • I can move my online reading offline: With Pocket, another free app, I can be reading something on the web and save it to read later. The app works across all sorts of devices. I can be reading something on the web at home, save it to Pocket, and when I sync my Kindle Fire HD, I will get a nice, readable version of the web page. It is important to sync Pocket’s content while you have Wi-Fi access. This is immensely helpful when researching. I have been using it to aid me in writing a book for mindreaders. It is invaluable.
  • I can keep up-to-date with all of my social networks: Again, as long as there is a Wi-Fi connection.

If you would like to purchase your own Kindle Fire HD, check out my affiliate link by clicking here. I recommend the 32 GB version because once you buy it, there is no expanding it. Might as well get the extra storage space.

The Kindle Fire HD  7 has been a great fit for me, but let me caution you by saying I made the purchase because I was an Amazon Prime member. It made sense to have a device geared toward watching the movies, TV shows and videos available for free to Prime members, getting the shipping discount from Amazon and the ability to borrow one book a month from the Kindle Owners Lending Library.

If you are looking for more of a computing tablet, then perhaps the iPad, iPad Mini or Google Nexus 7 are better options for you.

For me, it was the Kindle. You can see other reasons why by clicking here.

Want to Succeed? Find the Singular Focus of Mr. Thomas

Mr. Thomas, our cat, has a singular focus. Day-in and day-out, the cat has one thing, and one thing only, on his mind.

Mr. Thomas

That singular focus is to get outside, which might not seem like a bad thing, except Mr. Thomas is a house cat.

So, how does a house cat determine he wants to be an outside cat. Well, before my wife rescued Mr. Thomas (some people found him, along with his litter mates, abandoned in a park and found homes for the kittens), we had bought a wire dog crate, but not for the dog. It was so we could put our cats outside. We don’t want them running off, so we keep them in a crate.

When Mr. Thomas was first introduced to the crate, he absolutely fell in love with being outdoors. So much so, that he always wants to be outside. He does not care if it is cold or snowing or sunny and warm, Mr. Thomas wants to get beyond the front (or back) door and get some fresh air.

In order to accomplish his goal, Mr. Thomas has a ritual. Whenever my wife or I walk even remotely close to the front door, he takes off running, leaps onto the table by the door and pounces on us. He will be in your arms and nearly on your shoulder before you can blink an eye. It took Wendi by surprise the first time he did it when she walked in the house.

Because Mr. Thomas is so persistent, he gets out more than we would like him to be. In fact, it is winter time in Northeast Ohio, and we ran into a spell of a couple of warm days in January, and we dragged the crate out, set it up and let Mr. Thomas, long with Ariel and Buddy, enjoy some fresh air in the outdoors.

If we want to be successful, then it is going to take a singular focus. We have to know what the end game is and devise a strategy to accomplish our goals. Above all else, we have to act. A plan with no action just represents potential. Even if you execute the plan poorly, you can still revise and adapt. If you do nothing, then you better expect nothing good will come of it. You have to get started. Now.

What will receive your singular focus this week? What will drive you to act? There is no better time than now to start, so when will you?

How a Dream Becomes a Reality

My wife Wendi has a dream of “becoming” a published author and has been chasing the dream off and on for years.

Wendi Warren

Wendi Warren doing voice over work at the Audio Thrills Recording Studio outside of Wooster, Ohio

I put the word becoming in quotes above because she already is a published author. When I published a newsletter geared toward families, she wrote articles for it. My wife is a licensed professional clinical counselor in the state of Ohio. While she no longer counsels, she keeps her license current, as she still works within the mental health field. With this background, she was able to provide some good information for families.

When I was an assistant editor at the Record Herald newspaper in Washington Court House, Ohio, she wrote some columns for the newspaper. She wrote one about her father for a Father’s Day feature and another about the time she met Ricardo Montalban, who was the only actor she ever wrote a fan letter to as a girl. It was a touching moment, literally, when they met and he touched her hand reassuringly. It was an awesome moment.

But, I digress.

Even though Wendi is published, she still does not consider herself a published author. It does not count, she tells me, because I was in a position to make it happen. This might be true, but I would not publish her writings if they had been junk or even just OK.

Right now, Wendi is involved with a project that will make her dream become a reality (she is working on a fairy tale). I am excited for her. I do not want to say too much about the project right now and steal Wendi’s thunder. It looks as if this thing is going to fly, but I want to be careful not to count the chickens before they hatch.

When Wendi’s project is on more stable ground, she will write a guest blog here and announce it. I am hoping she will be able to share some good news before Valentine’s Day.

How is this dream becoming a reality? Because of a never-give-up, never-say-die mentality. No try, just do. What obstacle hinders you from achieving your dreams, goals and aspirations?

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