Saturday, June 1, 2013

YOU’LL NEVER AMOUNT TO ANYTHING! © 2013 by Wayne Dan Lewis, Sr.

 A Message to the Dropout Class  of 2013

Quote: "Winners are not those who never fail, but those who never quit" - unknown[1]

Unfortunately many of us who have dropped out of school, we will never be able to convey to our parents, families and friends why it became necessary to do so.  No one will ever understand if they have never had to deal with teachers  or school systems that judged you by a standard that did not apply to you. It is difficult to ever convince everyone else, including our parents, that it’s not because you are a quitter, or that you lack the ability to learn, it’s just that the model that you are forced to learn in doesn’t fit your learning style.  But we can’t say that because, for all intents and purposes, we are failures, and for that, there is nothing else to say, so, we’re out.

I thought it was important to share this message after 3 years of writing messages congratulating various graduates of high schools and colleges.  I have posted these messages, hoping that someone benefitted from a positive message.  I have posted these messages on my Facebook page, believing that someone would be inspired, or uplifted.  I thought briefly about posting something to those whom I believed had dropped out of school, but I couldn’t imagine what I would say.  More importantly, I wasn’t sure of how it would be received.  But then, I realized that I was drop out as well.  I had dropped out of college.  Using that time in my life, I am writing this message.

Afterall, how do I address those who have dropped out of school?  For example, do I say: To the Dropout class of 2013?  Or, should I address these as Quitters of Graduating Class 2013?  And, do I address them exclusively, or their parents and families?  After a year of soul-searching, I believe that I have a message that hopefully, this year’s group of dropouts, as we currently call them, will have an appreciation.  My message is to those who are the Drop Out class of 2013: “You’ll Never Amount to Anything.”


Dropout Fact Sheet:

My Story
I have a personal incident that helped me to formulate this message.  I was kept back in the 8th grade.  But my parents, although disappointed in me, helped me through summer school and I was able to get back on track for the next school year.  I wasn’t able to go to the same catholic school (St. Augustine High School) that I was attending when I was kept back. I eventually attended Lawless Middle School, and graduating from Booker T. Washington High School.

Later, I would go on to college, UNO, or LSUNO at the time.  After a year and almost a half, I was discouraged by the teachers and the feedback to my work.  I had completed all of my remedial work and was not succeeding any better, particularly in English and writing.  I received failing grades.  I decided in the middle of the following fall semester that I would drop out.  To say that my parents were disappointed was an understatement.  It was then that I was told the words that would always haunt me:
            “You’ll never amount to nothing!”
            “You will always be a nobody!”
There were several other terms of endearment that got lost in translation, but I got the message.  I got the message that because I had dropped out of college, that they (my parents) would not be proud of me.  I got the message that I would always be working low-paying jobs and that no one would ever respect me.  Whether that was the intent or not, it became clear to me that dropping out of college was not necessarily a welcomed idea, but I had made the decision and I was going to stick to it.  I had made the decision to drop out of school in part because I had a “good job”.   I knew that I couldn’t just drop out of school and stay around the house, I knew that I had at least better have a job. 

At the time that I dropped out of college, I was making at that time well above minimum wage as a part-timer from when I was a junior in high school.  So, I had that “good job” that my parents said I would never have.  I had made it, or so I had thought.  But soon I would learn that my decision to drop out of school went well beyond myself and my parents.


Who Else Was Impacted by My Decision?
When my managers and supervisor learned that I had dropped out of college, I remember one of them had tears in his eyes.  His name was Ricky, and he was very upset with me as was my parents, if not more so.  Although he was probably 5 years older, he was one of the owners who had taken a liking to me since I had started over 4 years prior in summer of my junior year in high school. Ricky had expressed that he had hoped that I would not be tempted by the money I was making at the shop, and that I would stay in college and graduate.  I was surprised by how much he cared for someone whom had hardly spoken to me, a porter in a bakery.

Why Do Students Dropout?:

Ricky wasn’t the only one at the bakery who was disappointed in me.  Many of my long time co-workers, many of whom I had realized how much they paid attention to me, found out that I had dropped out of college, and seemed to all be saddened.  A couple of them took me on the side and advised me to try and get back in school, because the life that I was going for was no life for me.  But I didn’t listen.  I eventually held over 10 jobs since then.

Statistical information on High School Dropouts:

Even as I had jobs that paid well, and offered promotions, I still found myself trying to prove to my mother, Sarah, that I would amount to something in my life.  But I knew that she would never be happy until I had gone back to school, and had become the doctor, lawyer or Indian Chief that she had prophesied that I would be eventually become.  No pressure.

Our Families Bought it Lock, Stock and Barrel

Whether this message applies to you as dropouts from high school or college, you have to know this:  there are a lot of people depending on you.   Yes, they want the best for you. A lot of people are watching you, believing in you, and hoping that you will do something truly great in your life.  Don’t think I am trying to blow smoke here.  I didn’t realize it entirely back then, but when I think back about the number of people who were disappointed that I had dropped out of college, I had come to realize that my dreams, weren’t just my dreams.   They were other’s dreams as well.  How?

How often had we as children and young people shared our dreams of becoming a business owner, a medical professional, a football player, a singer, a police officer, a doctor, lawyer or whatever it was we really believed that we could achieve?  If we have ever shared our dreams, we have shared our dreams with family and friends.  We have shared those dreams as though we had sold a share of who we were.  And if we sold our dreams well enough, family and friends bought into them.  They believed in us so much, that they were ready to cash a proverbial check that we would were going to accomplish our dreams lock, stock and barrel. 

People in our communities who watched us grow up, or watched us doing things that we never thought they noticed, saw us doing things towards our dreams.  They bought into our dreams because we were giving them everything to believe that our dreams were worth pursuing, until….

Eventually, I had come to realize that the dreams that I had, that I had failed to believe in, or was unwilling to make the sacrifice to achieve, was that of my adopted mother and adopted father, Sarah and Dan.  I had come to realize that my dreams, however seemingly insignificant to me, were very important to the guys at work; to the people with whom I had attended school, and of course my own birth mother.  But the list doesn’t stop there.  I was unaware of how much neighbors who had watched me grow up and knew me to be a hard-working person, and who said that I would one day be somebody, would not have dropped out of school.  And I haven’t even gotten to my aunts, uncles and cousins who also believed that I was going to go far in my life.  I was just so unaware of how much people believed in me, and how far they had expected of me to go.  That’s my story, now what is yours?


11 High School Dropouts Who Found Success:

What is your story?

To say that all dropouts are the same would be totally illogical.  It would be prejudicial towards anyone who has, for whatever reason, withdrawn from any educational or academic setting.  Your story is your story.  But it is your story to be told, to be written, to be lived.  The moment you decide that you are no longer going to return to the classroom, there has to be an overwhelming desire to discover who you really are.  And as much as family and friends are depending on you, as I know many are, you have to be committed to something greater than what you have dropped out of to get into something that is going to propel you far beyond the academic arena. Or, that’s what we would like for others to believe, as we resell and repackage our dreams.  I’ll discuss reselling and repackaging later. 

In many cases, unfortunately, you will be labeled a dropout.  And while that is unfortunate, I can think of worse names to be called.  But it is the cross you must bear in a society that is quick to label anyone who is not “towing the line”, or playing by the majority’s rules.  It is also important to remember, that whatever your story, it’s not what you are called, it is what you answer to.  So, what will you answer to for the rest of your life?

As a dropout, whether from high school, or college, you may feel least compelled to account for your actions.  Fine, you have that choice.  But you do owe a lot of people an explanation.  Just like I found out that there were a number of people who had counted on me before I dropped out, I also found out that there were a number of people who were counting on me, despite the fact that I had dropped out.  What does that mean?

People Never Stop Counting on You.

What I learned after I had dropped out of college is that people still have high hopes for you.  Why?  What I also learned is that people expect something of you regardless of your station in life.  The fact that you are in school or out of school, or whether you are on a job, or out of work, someone always has great expectations of us.  We either don’t realize how much or how many people are counting on us because of ignorance, or we just don’t care.  I’ll go with ignorance.  It’s easier to go with ignorance because it is hard for me to believe that we never really care what people think.  I know that we care, and because we care, we do certain things in our lives to let people know, especially the ones that we love, that we don’t want to hurt them, and that if and wherever possible, we want to be as much apart of their happiness as we want them to be apart of ours.  But the counting on us that people do, that’s inevitable, and it won’t stop anytime soon.  So now what?


Statistics on Student Drop Out Rates 16-24:



From Repackaging  to Reselling Our Dreams

Why we dropped out school is an oft asked question.  And while we can articulate it to ourselves, it never seems to be a question that we can answer well enough without coming up with a quick follow up response, “I’ll be going back soon., though”, or “I am just sitting out for a year”.  These answers sound pretty good, and they manage to hold off everyone and allow us to buy time until the dust settles.  Because in many cases, a lot of us have no intention of going back soon.  Instead, we plan on going back to school “One day”.  And I personally believe that many of us are going to go back “one day”.  As a matter of fact, I am aware of one person who did go back “one day”.  Why?  Well, for me, I found out that I couldn’t successfully sell my dreams as well as I used to.  People were still counting on me, but selling my dreams in my later life was more of a challenge. The question that kept haunting me was the question on applications that indicated that I left in the middle of a semester.  It hit me that selling my dreams under a set of circumstances where I didn’t at least complete a college semester, suggested that I couldn’t complete what I set out to do.  It was one of the underlying messages to myself, that I needed to complete something very important that I had started.

One other reason I returned to school was because I had a family (your motivation maybe different).  Back in 1975, there were certain stakeholders who were not present then.  They weren’t there in 1975 to buy into my dreams as they were beginning in 1978.  Beginning with my wife, my son and my daughter, and now my grandson, I had to repackage my dreams, even today.  I had to begin repackaging  my dreams in a way that meant I was ready to achieve the dreams that I had been putting off.  In 1981, it became evident that I needed to return to school. Why?  In order to make sure that the dreams that I needed to repackage gave a beneficial return to those who meant the most to me in my life. 

Highly Successful High School Dropouts:

In repackaging our dreams, we may find that it may not be that the end-result will be that we return to school.  For some of us, repackaging our dreams may involve opening a business, and maybe taking a few courses to make sure that we run a successful business.  In repackaging our dreams, it may not have to do with a new family, it may have to do with getting past the fact that we don’t have to please everyone, just the ones that we love and who mean the most to us.  Repackaging our dreams may mean pursuing our dreams based on our talents and loves.  Things, that at one time, we were too caught up on if others would like us if all we wanted to do was be rapper, a football player, a movie star, or a street performer, even if it isn’t what others think we should do.  How do we repackage our dreams?  It’s a basic approach, but from there, we may have to look to others who are achieving some of the great things that we are destined to do as well.  It’s all about setting goals.  Old song?  Yes it is, but goals are necessary for anyone who is determined to start out rebuilding, and repackaging their lives.  We’ll get to goals in a minute, but it will also be important to be able to resell our dreams.  It may not be an easy task, but it is very possible to do when we are as determined now as we ever were to make some great things happen in our lives.

Reselling Our Dreams

For those of us who have dropped out of school, it is possible that we knew exactly what we wanted to do the moment we dropped out of school.  Perhaps the very next day, we walked into our new office, our new job, or began training for something that we always wanted to do, but school was not preparing us.  Perhaps we were hitting the ground running because school was holding us back, or even discouraging us from achieving what it was we had not only dreamed of doing, but had successfully sold to our family and friends. 

But for those of us who had no clue of our next move, but knew that school was not doing it for us, dropping out of school was the best move to make.  Dropping out of school gave us an opportunity to look at the dreams that we had, and to see if they were our dreams, or someone else’s.  For those of us who had dropped out of school, the dreams that we had sold, perhaps all too well, was not the dreams that we truly believed in.  It was just possible, that continuing school would be to continue to pursue a set of dreams that was not our own.  Dropping out of school was the beginning of reselling our dreams, not only to others, but to ourselves.

Setting and Achieving Our Goals



The idea of reselling our dreams to others begins when we begin reselling our dreams to ourselves.  Earlier I spoke about goals.  If we have ever set out to do something, significant, or something valuable, goals must be the guiding point.  Why?  Because goals, our goals, are the beginning of not only repackaging our dreams, but selling them.  By setting goals, we are putting on display, just like in a bakery, or a showroom, what it is we are intending to do.  Setting goals means that we are committing to do something so important that we are prepared to do whatever it takes to make our dreams come true.

Setting Goals Worksheet:

The good thing about setting goals is that they are for everyone, and everybody.  By that I mean that you don’t have to be a high-powered CEO, or District Manager to set goals.  As a matter of a fact, we more than likely set goals every month, when put together a budget based on our income.  A budget is a goal, but it is financially based.  It is a dream of how we intend to invest and/or spend the money that we anticipate coming in each month.  And we sell that budgetary dream to our family.  Goals are for teachers, performers, police officers, doctors, housekeepers, even the homeless person on the street.  We all need goals.  Why?  Because we always want to be more successful today than we were yesterday, and more successful tomorrow than we were today.  So what do we do?  We set goals.  And we sell those goals to everyone around us.  But the most important stakeholder of those goals is none other than each one of us who set the goals for our achievement.

Setting the goals aren’t necessarily easy because it may require that we step out of our comfort zones.  We may have to do 12 hours of something that we would be happy if we only have to do 2 hours.  But the re-selling of our dreams to others becomes evident when we do 14 hours even though it required only 12 hours.  The re-selling of our dreams means that that which we always wanted to do now requires we wear a uniform that we once were afraid to wear because others might make fun of us.  The re-selling of our dreams means that we now put on display the artwork that we did in our bedrooms or in our homes, but now, put on display for all the world to see because we believe now more in ourselves than we have ever done.  The goals we set require that we put out 10 displays this week and try to sell 5.  On the next week, we put out 20 displays in an effort to sell 10, or 50% of our displays.  The goal is to re-sell the fact that we are on a mission.  Our goal is to show that our decision to drop out of school wasn’t because we were quitting, but redirecting our lives.  And while many of our loved ones would not want us to be associated with a label such as a drop out, we have to be willing to take a great risk that dropping out of school means that we have bigger plans, and that we didn’t drop out of school, but that school may have dropped out on us.  We have to resell to not only our family and friends that we didn’t quit, we just changed gears. 

Dropout!

The term Dropout has a negative a connotation as you can imagine.  It suggests strongly that we are quitters.  It suggests strongly that we can’t stay on track, that we are incapable of learning, or following the model that others have successfully followed.  Being called a Dropout suggests that we are not able to get with the program.  While all of these things maybe true for some people, for a lot of us, being a dropout may actually suggest that we have a better plan.  By looking at some of the links that I have included in this post, you will see that many successful people were once drop outs.  But they were anything but quitters.  They had a different calling, and for all intents and purposes, school was holding them back (don’t quote me on this).  For those who were called dropouts, or who were told that they would never amount to anything, they were able to repackage their dreams and in many cases become millionaires.  For many of those who were labeled as dropouts, many were able to resell to their family and friends that they had a dream that school was discouraging them from achieving, and that they were then able to resell their real, true dreams.  Are you one of those people?  Are you able to repackage your dreams as a so-called dropout?  Are you able to resell your dreams not only to others but yourself in order to accomplish some great and wonderful things in your life?  I believe that you are able to do these things.  Why? 

Millionaires Without High School Diplomas:

Taking Charge  (Conclusion)

The misconception about being a dropout is that you are not in charge of your life.  I believe that nothing is further from the truth.  I believe that you are in charge.  I believe that your decision to drop out of school was perhaps the most strategic thing that you could ever do to take charge of your life.  Timing will always be wrong, to others.  But for you, it will never be a better time than when you have to get off of the interstate of life and take a road less travelled.  Maybe you don’t want to do the speed limit of 75, as does everyone else, but instead the minimum speed of 40.  You have that choice because this is your life.  And if you don’t take charge of your life, where you actually set the goals to achieve what is best for you, first, all other things will matter very little.  Yes, a lot of people will be disappointed that you dropped out of school because they were counting on you.  But the real reason why people are counting on you is because they want to see you accomplish something great, something fantastic.  Well, you still can do that. Unfortunately for others, but fortunately for those us who find the need, or the compulsion to drop out of school, the road to something great may require that you get off at this exit, right here, right now.  But it’s okay, because there are more on ramps up ahead. 

Quote:  “If your ship doesn’t come in, swim out to meet it!” Jonathan Winters[3]

Take charge of your life! Set goals!  Repackage your dreams in a way that works best for you, and then resell your dreams in a way that let’s people know that now, more than ever, you’re in charge.  To the drop out class of 2013, I do wish you the very best that life has to offer, but do not for a minute give up on your dreams because so many of us are counting on  you.  So I encourage each and everyone of you to prepare for your next move.


Planning to Live Your Life Your Way:








[1] http://www.career-opportunities.net/articles/view/positive_kids_who_are_high_school_drop_outs
[2] http://thinkexist.com/quotes/with/keyword/drop_out/
[3] http://under30ceo.com/50-best-success-quotes-of-all-time/

Thursday, May 23, 2013

Is It Time for “A Come to Moses Meeting”? © 2013 by Wayne Dan Lewis, Sr.



What is the purpose of “A Come to Moses Meeting”? Readers are either introduced, refreshed, or reminded of the importance of monitoring their finances due to major life events that are sure to occur.  By insuring that a reasonable amount of money is put on the side, we can only hope to be prepared for as many of life’s major challenges, and are able to recover as effectively as possible.



Inspired by Hurricane Katrina (August 2005)
For many of us on the southern most coast of the United States, who are old enough to remember the impact and the aftermath of Hurricane Katrina, there were many aspects of that disastrous event that will forever remain prominent in our lives.  There were many life lessons that many of us gained that we cannot keep to ourselves.  For the benefit of our children, family and friends to come, we need to make sure that they don’t fall victim to many of the circumstances that befell us.

Whether by accident, intent, or circumstance, the situations that came about as a result of one of this nation’s most disastrous events, there were lessons learned in areas of evacuations, housing, recovery, insurance, governance, and outreach.  Many of those lessons may have been revealed through any number of avenues.  But sadder is the fact that many lessons will never be revealed.  Not because there aren’t those who are willing to share those lessons, it’s just that the avenues to share those lessons are limited.  Unless compelled to write their memoires detailing what they had gone through, or went through, the window is practically closed because it is no longer a media event.  But there are still lessons, and I for one, will share the benefit of one set of lessons learned from Hurricane Katrina.

The set of lessons that I have pared this post down to has to do with preparation for (a) life-changing event.  While this post is Hurricane Katrina inspired, it should not be presumed that other major life-changing events  should not be subconsciously referenced.  For example: cancer, bankruptcy, garnishment, heart-attacks, having a baby, etc.  You can decide for yourself what other life-changing events could turn your life around, this very day, with hardly half as much warning as a hurricane.

Who should read this message?
In a prelude to this blog post, I indicated that anyone who fit any of the following should be aware of this “Come to Moses Meeting”:   Just starting out on your own; Newlyweds; Divorcees; loss of spouse or significant other;  sudden illness; new graduates; just released from prison; fired, laid off or business closure; filed bankruptcy; loss of a home due to a natural disaster; loss of a home due to a foreclosure, or, having to rebuild our lives after a major illness.

I suggested this broad a group because at the time of Hurricane Katrina, it is logical to presume that a number of people were just beginning their lives whether as married, just graduated from high school or college.  I am almost sure that someone was just getting out of prison and was ready to start a new life.  The point is that Hurricane Katrina’s arrival was like any other major life-changing event.  It never comes at the right time.  It never arrives because we are ready for our lives to be up-ended by flooding, tornadoes, earthquakes, or fires.  Each of us, as I sincerely believe, have to be ready when one of these events occur.  By ready, I mean financially ready.  Financially prepared.



Can we ever be fully prepared for major life-changing event?
The answer is “No!”  We can never be fully prepared because we never know what life may throw our way.  If we are “lucky”, life may just throw us a wedding, the birth of a child, or the lottery.  Talk about major life-changing events!  But life is not always kind. Life has a way of mixing it up.  Yes, we may get married, and have a baby, but let’s throw in a small house fire, or a cancer.  Life may give us an increase in income into the 6 figures, but, not to be outdone, here is a stroke or two.  Can these ever happen? You bet.  And how prepared we are may actually be relative.  But not having something in place, in the event of such an occurrence would be more detrimental.

“Put something on the side for a rainy day”
Just what is a “rainy day” any way?  Old people used to tell us that, and while it made sense, it didn’t go to the heart of what a “rainy day” was or is.  Well, I have learned that a “rainy day” is getting married, having a baby, a raise in income, but it is also the loss of a loved one, major illness, and of course, a major disaster such as a hurricane, tornado, flood, or earthquake, to name a few.  Why put all of these in the same category?  Simple:  they are all major life-changing events.  Whether they happen 9 months out, 2 weeks out, or suddenly, our lives change.  Our lives are interrupted, for good or bad, and it is not a just a matter of going from day to day, loddie-da-da-da.  It’s whoa! It’s regroup!  It’s recover!  It’s rebuild! And it is all of a matter of getting back to what we call normalcy.

Normalcy?
What is normalcy?  Well, until a major life-changing event occurred it was going about our lives, day to day, doing whatever we had to do to get through the day, and regardless of the pitfalls along the way, with a song and a prayer, we made it through the day.  Normalcy?  It is everything that you may have cursed about but can’t wait to get back to because now, you have a major life-changing event that just disrupted everything that you have cursed out, but treasured in the same breath.  How do you get back to normalcy?

What is a Major Life-Changing Event?

If the phrase “Come to Jesus Meeting” means come clean, tell the truth, or, straighten up and fly right, or, literally, “Come to Jesus and be saved”, what does “A Come to Moses  meeting” imply?  Well, it could mean any number of things if we study Moses from the Bible.  However, for the purpose of this message, even this blog, “A Come to Moses meeting” is intended to focus on an aspect of wealth building, and all that could otherwise be done to improve our quality of life financially.   Or, in this case, determine what it is we can do to prepare, as much as possible for a major life-changing event.  We can’t address every possible life changing event in this posting.  I don’t intend to.  But Hurricane Katrina rose to one of the highest levels of major life-changing events in our lives.  With all due respect to my marriage, the birth of my son and daughter, grandson, and the loss of my parents, Hurricane Katrina challenged us on several fronts, at one time.  If anyone of the previous situations occurred one by one over a period of time, they would have been workable, not all easy, but workable.  And while each has had its impact on me financially, Hurricane Katrina challenged many of us far more than we could have ever imagined.  At least, those of us who were impacted directly.   Here is how:
1.      Many of us had to evacuate our homes (some of us from as little as a week up to, in some cases, never to return to our homes, physically);
2.      Many of us had to either stay in hotels, with families, or in what we romantically called “FEMA trailers”;
3.      We still needed a source of sustainable income while either evacuated, or while our places of employment were impacted by flooding or wind damage;
4.      Family members who required medical care or medication were greatly affected;
5.      Family members died;

How Do We Handle Major Life-Changing Events?

The fact that so many subsequent activities occurred as a result of a major life-changing event (Hurricane Katrina), meant that it was important for us as residents to have had in place several important elements in order to deal with the aftermath of the storm.  While government officials often tried to prepare us by telling us to prepare for 3 days out of home activity by bringing food, water, medication, insurance papers, and whatever needed necessities, many of us found that 3 days was a far cry short of the time that we would be impacted.  Fortunately for some of us, we had the Red Cross and family.  Others of us had to wait on needed emergency assistance.  What were some of the lessons learned?  In no particular order, here are some valuable lessons that we learned from Hurricane Katrina:

  1. Don’t wait until the last minute to evacuate (Make arrangements with family, set up hotel reservations, or get to an approved shelter when directed)
  2. Gather all necessary insurance documents such as auto, life, and health insurance policies (Be sure policies are up to date)
  3. Make arrangements for family members who maybe mentally or physically impaired
  4. Make sure vehicle(s) are road-ready (tires, gas, oil)
  5. Listen to the most up to date broadcasts on any weather-related activities
  6. Make a list of emergency contact information for all members in the event separated
  7. Make sure to secure all other personal belongings that are left behind.

While this information will be repeated over and over again, particularly in the hurricane zones, one area that presented a problem for surviving family members:  no Will. 

You should consult an attorney regarding the specifics of preparing a Will, but that does not mean we should not discuss why a Will was an issue after Hurricane Katrina.  To this day, there are families who are unable to move forward on the sale, repair or acquisition of the family home.  What we discovered after Hurricane Katrina was that a number of families had moved in and out of a house that had never gone through succession.  And there was no Will.  The significance of this historical major life-changing event was that many families cannot move forward without possibly incurring an insurmountable debt or delay on important decisions because there was no Will. 

Another important decision that needs to be made to help our families moving forward in the event of a major life-changing event is taking care of our elderly.  With a long term evacuation, our elderly, who may not otherwise be housed in as structured a facility as a nursing home, or a facility dedicated to their care, can become confused or disoriented with a sudden change of scenery that takes them out of their homes or a place with which they are familiar.  Failure to take a pre-emptive position can cost unnecessary monies.  Consult with your loved one’s doctor to ensure that everything can be done to make them comfortable, including early ordering of their medicines, if necessary.

Another life lesson comes as a result of what happens in the event a major life-changing event either destroys our home, or takes the life of a very dear family member.  If a storm destroys a home, generally, and I am being optimistic here, the bank and the insurance companies will act with all due speed to help the family to get back on their feet, in theory.  What did not happened after Hurricane Katrina, for a lot of families was that they did not get into their homes because they were not prepared, financially.  Many did not possess the necessary protections to minimize the loss of their homes such as flood insurance, or insurance that protected against wind damage, or fires.  On the other hand, many who possessed policies had to negotiate red tape and/or road blocks that were put there to keep families from recovering and rebuilding their lives.  How could this have been avoided?  By establishing a relationship with your insurance broker and/or financial representative.  This may seem insignificant, but it helps in the event of a crisis that those with whom you have a relationship are more likely to help us to recover some level of normalcy.

Last but not least, major life-changing events makes us vulnerable.  We would like to believe that when we are the victims of these types of events, that any and everyone is willing to help us recover and rebuild our lives.  This is never more further from the truth.  Our vulnerabilities are generally a magnet for those who are looking for the greatest risk for the greatest reward, meaning that they ask for an equally large sum of money (our insurance proceeds) for a job that never gets done.  They may ask for equally large sums of money, but do a sloppy job, or take their time doing the work.  If we come into a large sum of monies because we were able to recoup from our insurance, we find that more often than not, many of our contractors are the 2 of the 1-2 punch of major life-changing events.  Not all, but many set their sites more on what we have rather than what they can do for us.  We need to be vigilant before turning over any of our finances.

We can’t cover every possible eventuality here as a result of a major life-changing event, that would be impossible.  But it is important for those of us who have gone through these experiences to share as much as possible to help those who may come behind us and encounter similar such circumstances.

In Conclusion

This Come to Moses Meeting will be one of several designed messages to inform as much as possible about life lessons.  The significance of these lessons will be designed to inform and hopefully prepare each of us for eventualities that many of us have experienced and should feel compelled to make it easy for family and friends to navigate situations that might otherwise make life very difficult to navigate, financially.
Major Life Changing events may occur everyday.  Whether have auto insurance, life insurance, homeowners’ insurance, or long term disability, knowing the importance of having these financial instruments are polity can’t be understated.  The next major life-changing event is maybe just around the corner.   While you can never fully prepared, you have an opportunity to take pro-active steps, or preventative action to make that you are able to resume some level of normalcy.

 As always, you are encouraged to seek advise from a reputable professional as it relates to insurance, legal advice, or investment opportunities.  Information shared here is deemed to be from reliable sources but not guaranteed.



Tuesday, May 14, 2013

LET HE WHO IS WITHOUT WEALTH, SUFFER © 2013 Wayne Dan Lewis, Sr.


My message today is inspired by the Biblical passage from John 8: 1-11[1]. 

Jesus is quoted as having said to an accused adulterous woman: Let he who is without sin, cast the first stone.  The Bible tells us that the woman’s accusers, feeling the stress of guilt, relented, not only dropped their stones with which they were ready to punish the woman, but also their will to carry out the punishment.  “Where are your accusers, are they not ready to condemn you?”(paraphrasing).  In response to the woman’s answer, Jesus essentially said, if they are not going to condemn you, then neither am I.


Perception or Reality?

As we look at our homeless population across the world, we have to wonder if, as a civililized society, we have turned our backs on those who are less fortunate?  Pick a number in the millions, and if that number is 1, that has to be too many people who are living without an actual roof over their heads or food to eat.

If we were to do an overview of families who go day to day without food to eat, the numbers maybe even more staggering than those who are homeless.  Even if the numbers are competitive in terms of homeless to hungry, it is perhaps a reflection more on us, than them, that they go without food or shelter.

If we were to just sit and observe these two events of homelessness and hunger for any period of time, while many of us go about our business trying to take care of our own basic necessities, we would perhaps feel that we are justified in turning our heads, or our backs on those who are without a roof over their heads, or food to eat.  Goodness knows, that with layoffs and budget cuts here in our country (USA), we are not sure that we too aren’t just a paycheck away from being in their position.

For the sake of argument, is it possible that homelessness or hunger, wherever it maybe, can be somewhat tolerable because, we are not sure that we aren’t going to be the next family, standing in a welfare line, or at a food bank?  Should we be glad, sad, or disinterested for those who don’t know where their next meal is coming from because, we aren’t doing much better?  How do we handle this extremely sensitive issue of helping those who are without basic necessities such as a home or food to eat?


Based on the numbers, 925,000,000[2] faced hunger as of 2010, it would appear that we don’t care.  According to the United States Conference of Mayors, in 2008 the three most commonly cited causes of homelessness for persons in families were lack of affordable housing, cited by 72 percent of cities, poverty (52%), and unemployment (44%), and top ideas to stop homelessness were more housing for persons with disabilities (72%), more or better paying employment opportunities (68%), and more mainstream assisted housing (64%). [3]  Since statistics are often a barometer of interest, is it fair to conclude that we, as a civilized society, don’t care about those who don’t have the means to make their lives better?  Is this a perception or reality?

Definition of Wealth:[4]                                                                                                         4 a : all property that has a money value or an exchangeable value                                                   b : all material objects that have economic utility; especially : the stock of useful goods having economic value in existence at any one time <national wealth>

Examples of wealth

·         a nation that has acquired great wealth

·         someone whose sole goal is the accumulation of wealth

·         Her personal wealth is estimated to be around $10 billion.

·         What percentage of the national wealth is spent on health care?

·         I was impressed by the wealth of choices.

·         Libraries offer a wealth of information.

Wealth, as we will continue to learn, is not limited to monetary value.  It is best represented by the perceived value that we place on any given idea or thing.  As those who are homeless will attest, there is a tremendous amount of wealth among those who live on the streets.  For those of us who are blessed to have a home, and food to eat everyday and often discard seemingly unimportant things such as a mattress that is too lumpy, or an unfinished box of chicken and fries, these are presumed delicacies to the homeless. I observed this on many occasions as I watched people pull food from dempsters outside of fast food restaurants.  Wealth, among the homeless is an old set of clothes to us that in many cases still have new price tags still on them.  Wealth is a relationship with someone who watches your back in a world where everyone else has turned theirs on you.


Let He Who is Without Wealth, Suffer

I want to believe that it is just a perception that we, as a civilized society don’t care about our homeless, or those who are hungry.  But our actions may speak louder than our words.  Our actions strongly suggest, that for those who are unable to do better, or for those who are without wealth, we are saying to them: let them suffer. 

Please, don’t say that this is a reflection of our society (although hunger and homelessness is).  That would suggest that as a civilized society, we build obstacles so difficult, that even for those with the greatest of minds, the greatest of talents, or even the most basic of means, that they will give up, go away, and suffer because the rules are often changed to bring about the desired results-poverty.  So I ask you again, is it a perception or reality, that those who are able to contribute to our society, are made to serve as examples as to what can, and perhaps may occur to us if we don’t do what is demanded of us in our civilized society?  Are we saying to those who are unable to make a way for themselves, suffer?  I sincerely hope not, and here is why.

We know that hunger and homelessness exists throughout the world.  These two societal ills will forever and a day, exist, without question, let us not fool ourselves.   But as a Conspiracy Theorist (no degree), homelessness and hunger may actually serve as an inspirational centerpiece for those of us who maybe, thinking about slacking off in society.

I venture to suggest that those who have the wherewithal, those who control the world’s billions in dollars, will intentionally allow a few million people like us to never rise up, or improve our lives as a continued reminder, to us who think that we have it made, that if we don’t come to work, we will be homeless; that if we don’t work 50 hours on a 40 hour a week salary, that we are going to be on the streets, or, that if we dare question the conditions of our jobs, or the conditions of our communities, we will be made to suffer through our reputations, and thus, we will eventually have nothing to fall back on, eventually to be homeless and hungry. (No evidence to support my theory, but no evidence contrary either).


Another way to look at our growing homeless and hungry population, even in our so-called civilized society, is to blame them (the hungry and the homeless).  Let us make them villains for their conditions.  Never mind that they once owned multi-million dollar homes, or made bad investments. Never  mind that many are educated doctors, lawyers, teachers, engineers, or government workers.  Never mind that they once earned over $500,000 a year.  They must have done something irresponsible to find themselves in such a predicament.  Maybe, their position as homeless and hungry is a reflection of whom they really are: unwilling to bear their responsibility for their actions. They are lazy and deserve to be homeless, they deserve to go hungry.  Let them suffer!


And heaven help those in need who are ex-convicts, having supposedly “served their time”!  We as a society exercise the highest and mightiest of discretion (uppitiness).  We don’t hire ex-cons.  They are entirely a menace to society.  Let them suffer is the perception that actually maybe the reality.  What is wrong with us?  At what point do we say to those who are down on their luck, I will open a door for you, providing of course, you meet us half way?


HALFWAY?

How do we define what is halfway and why?  Halfway would suggest that those who are homeless or hungry, or even down on their luck, that we can do something to make their situations better, and that for their efforts, we have a plan to welcome them back into society if they meet a certain criteria.  Let’s be honest, we don’t have a measure of halfway for those who are willing and able to get back into our “rat race”.  The perception is reality in that those who are without a way to make it, are more likely to be told: “sink or swim”.  Or, “Make it the best way that you can!”  Perception or Reality?  I am going to go with reality, how about you?

Why is it necessary to have a halfway?  If we had to establish what a halfway point for those who are willing to come out of the cold needs to be, we need at least to provide them with a basis.  That basis is our theme for this blog:  Let He Who is Without Wealth.  Halfway would be one of if not all four of the following:

a.       Create it!

b.      Earn It!

c.       Build It!

d.      Protect it!

Neither of the four suggestions above are necessarily measurable.  Neither is any of the four suggested ideas a guarantee of success.  There maybe a possibility of measuring qualitatively, but not numerically.  But they are basic suggestions.  These are the starting points for anyone who is willing to rise up from their status as homeless.  Is it a get rich quick scheme?  Is it a magic pill? NO! and NO!  But for those us who are willing to believe in ourselves and are willing to turn our lives around, many of us, who maybe one paycheck from where many of our homeless are, have to lay the groundwork for our brothers and sisters who are in need and want to put their lives back together. 

It is not enough to “throw money at people” although it is a small help and no doubt appreciated.  It is not enough to offer a “handout”, which will only last for a short period of time and is unsustainable.  So we must give to our brothers and sisters in need what we would want for ourselves if we were in such a position, an opportunity to be met halfway.

We would want someone to spell out what it is we need to do, that once we would meet our goals and objectives, it would satisfy a measurement of halfway, and that those who have the wherewithal would open the doors to opportunity that we would begin our lives anew.  Halfway, that’s all we would want for someone to do for us, now let us do the same for those in need. 

If we spell out what we believe any motivated person would want to tackle if someone gave them a chance, it’s possible that we can see more people taking a more constructive approach to rebuilding their lives.  Here is what we are suggesting:

“The creative is the place where no one else has ever been. You have to leave the city of your comfort and go into the wilderness of your intuition. What you’ll discover will be wonderful. What you’ll discover is yourself.” — Alan Alda [5]

Create It- Start from scratch.  You haven’t always been where you are.  And the fact that you are at this point in your life, suggests nothing more than you have to start all over.  So, get started.  If you start out now creating your next big thing, you have to be further away from where you are now than if you didn’t do anything.  Just remember, whatever it is you create, protect it.  Trusting only those who share an interest in not only what you are trying to do, but they too are trying to make something great happen in their lives as well.  Don’t get caught up with someone who is comfortable in the lifestyle that you would like to put behind you.


Earn It-I have watched often as people gather at intersections, or walk along busy streets asking for whatever is available from whoever will give them the time of day.  I was once asked by a young boy (early teens) in front of a fast-food restaurant for $5.00 in order to buy a food.  I was bothered at this, but told him I did not have anything to give him.  Why was I upset?  Inflation has struck those who are in need.  When I used to asked people for money as a child, I would ask for nickel or dime.  That was over 50 some years ago, so maybe $5.00 was logical in these hard economic times. 

I watch too as the signs have changed over the years from “Will work for food” to “Please help, lost job, God Bless.”  I have seen many forms of those who were presumably homeless stand in the hot sun, cold weather, stormy rains, and any other weather, with their signs.  I have seen blacks, whites, Hispanics, men and women, some with pets, others in groups, all hoping that we will reach into our cup holders, or pockets to render them any loose change.  Rarely have I observed those in need with children at these intersections.  It’s as though there are guidelines to soliciting money from strangers.  But it has been done, and of course, it is hard to turn away someone in that position.  But, I judge.


I Judge

I judge because, I believe that as much as my own life started out that way with my birth mother on welfare, and me begging on the street as a child, that there has to be a way to rise up from homelessness.  I believe that there has to be a way of rising up from hunger.  How naïve of me?  Only because I was raised by my adopted parents to earn everything that I eventually received.  I was taught to wash cars, cut grass, go to the grocery store for elderly neighbors.  I was allowed to go out an earn my way as early as 13 years old in the neighborhood.  And that has not left me to this day. It is in me to Earn it!  Why don’t those who are homeless try to  earn a living?


Can’t those who are homeless be trusted to wash a car, sweep or rake a yard?  Can’t they be entrusted to load or unload a truck?  Why do homeless people appear to be unwilling to make it in the world?  Don’t they feel as though they should earn my loose change?  I am sure if I were to ask one of them, they would either beat the crap out of me, or challenge me to sit under the bridge for months on end and try to “earn it”.  I am sure that they would challenge me to sleep on a hard cold ground with only 2 blankets in 40 or below weather and earn it.

Is it possible for the homeless within our cities to earn a living?  Is there a possibility of those who still have a desire to prove to the system that they are not going to be defeated by the system, that they can earn their way back?  Am I, like the rest of the “civilized world” acting without regard for those who are on the streets and still need a steady diet, and something to shoot for that is real?  Maybe I am.  Maybe I have become the very society that I am condemning, that I ask those who are in need to earn their way back into society.  How unfair am I being?

"Nothing can stop the man with the right mental attitude from achieving his goal; nothing on earth can help the man with the wrong mental attitude." -- Thomas Jefferson [7]

Build It!  Build what?  If you are homeless, and in need of food, what do you have to build and from what? And what do you build that is sustainable?   For those who have seemingly nothing, the idea of building anything of significance seem irrelevant.

For those who are homeless and in need of basic necessities, building wealth involves a strategy that many of us take for granted.  While we lock the deadbolts on our homes, or put the alarms on our cars, the homeless are forced to carry their load everyday, or trust someone with whom they have cooperated with to watch their back.  But the concept of “build it” as it is used here is in no way related to structural.  It relates to a strong and overwhelming desire to do whatever it takes to get back into the mainstream of life, if that’s what they want to do.  It requires that those who are homeless be covetous.  Yes, covetous.

Those who are homeless must be covetous of relationships that despite being homeless, can still lead to long term benefits.  They must be covetous of opportunities that are not out of the realm of possibility that when laid out could lead to a part-time job, or an opportunity to showcase a lost skill.

In order to get back any semblance of the life they once held, those who are on our streets and without a roof over their heads must set goals equal to or greater than their greatest desire:  to be with family, to start a business, to be able to have a roof over their heads, or to be able to help others to get off of the streets as well. 

Protect It!

Protect it!   It is an important strategy that very quickly if not easily is learned by those on the streets.  Theft among the homeless is less likely to be a police call to 911.  Their personal effects, in many cases are the clothes and bags that they keep within their immediate control.  But, if by some chance they have to leave something behind, they have to find a “safe” place to hide their valuables, or, they will have to start all over.   But in this context, protecting it applies not to things, but ideas, goals and dreams.  “Protect it” applies to the creativity of their dreams, the earnings that they are able to acquire and the wealth that they are determined to build.  Whatever it is, regardless of your status, it is important to protect it as we live in a society that has no problem with taking, stealing, or misappropriating our possessions, including the ideas of others.

 

Conclusion:

By the conception of the Coveted Commandment, those without a home to call their own, or a regular plate of food to eat, can’t be discouraged by the perception or the reality of a society that seems to say; “Let them suffer”, or “make it the best way that you can”.  Of the millions that are homeless around the world, there can be no shortage of desire to live a life that is full and complete.  We as a society that must be willing to open the doors of opportunity to those who are without.  By contrast, those who are without must be willing to carry out a strategy that is goal-oriented.  Whether those in need decide to create a new way of life, or earn a living by working for it, or building new relationships fostered by innovative ideas, they still have to protect whatever it is they have until they reach a level of comfort that keeps them off of the streets.  For us, once we observe or are convinced that those who are in need are serious about changing their lives, we should make every effort to open doors of opportunities to help them to achieve a healthy and happy  life.  It is what we would want others to do for us. It is what we should be willing to do, knowing that those who are without are willing to meet us halfway.  This, rather than let those who are without, suffer.