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Welcome to your Financial Epiphany

By Felix A. Montelara

Author & Host – The Potential Millionaire

Last week’s episode was a special one, as we prepared to celebrate Christmas Day.  I hope that all my listeners and readers had a wonderful Christmas with their families.  In the last episode, I discussed the real reason to celebrate at Christmas, which is the birth of Jesus.  I also talked about the origin of the Christmas tradition of gift giving, which probably started in the fourth century with the generosity of Saint Nicholas.  I also talked about carefully choosing gifts- to find gifts that are truly meaningful, to give at Christmas.  Remember, as we think about these things, we must always keep in mind that God and family are the most important things in our lives.  I encouraged you to take time with your families to start new Christmas traditions- to get away from the ‘normal’ commercialized spending spree that Christmas has become, and to focus on meaningful, lasting gifts.  Sometimes these gifts are hand-made, or sometimes they are acts of love, or giving of one’s time to another.  Imagine the good that spending 30 extra minutes playing with your kids each day could do in their lives- what a lasting effect that would have- far outlasting the brief joy that a toy or game would bring.  Its hard to have the courage to try these new ideas- just like its hard to make and keep a budget, or hard to save for an emergency when we have expenses today.  But friends, whoever said that doing the right thing, would be easy?

This week marks another important Christian holiday.  The twelve days after Christmas are a time called Christmastide.  Christmastide ends with the Epiphany, which many call Three Kings Day.  Epiphany is a Greek word that means ‘to show, or to reveal’.  The Epiphany was first celebrated in the fourth century, and originally was a celebration of four important events: the baptism of Jesus, the first miracle of Jesus, (which was changing water to wine at the wedding at Cana), the Nativity of Christ, and the visitation of the three wise men. Felix bench thinking  These four events were celebrated together, because they were each a time when Jesus was revealed to the world.  Over time, the events began to be celebrated separately, and now we think of the Epiphany as a remembrance of the long journey of the three Magi, as they followed the star to Bethlehem and worshipped Jesus.  In many cultures, gifts are given on the Epiphany, to commemorate the gifts that the three wise men brought to Jesus.

As we continue to celebrate Christmas and look forward to the Epiphany, let’s remember that this is a time when we should focus on what we need to show others or reveal in our lives.  In terms of your personal finances, this would be a great time to discuss where you are at with your family, so that you can begin the New Year together with a plan to improve your situation.  It may be a difficult conversation, but revealing the truth will in the end allow you and your family to make progress.  It is also a time to be honest with yourself, to show yourself that you have the courage to take control of your financial situation.  Reveal to yourself how you are spending your money, find your weaknesses, and be determined to get control of your finances.  Create a budget, stop wasting money, begin a savings account, and pay off your debts.  These are steps that I can help you with, with this radio program, my book, and my website potencialmillonario.com.  Let yourself have a personal finance epiphany- and begin your journey to financial freedom.  Allow this season of joy and celebration encourages you to have the courage to do the tough things- knowing that they are the right things to do.  Let the promise of financial freedom, the relief of having no more debt, the security of having savings, the freedom of having your own money to spend- let these things be your guiding star that lights your way throughout the New Year.  Friends, just like the journey of the Three Kings was difficult, your journey may be difficult as well.  But the Three Kings persisted, they carried on, and they accomplished their mission of revealing baby Jesus to the world.  And they didn’t do this alone- they had the guidance of the Christmas star sent by God.  You too, have guidance, and you too, have God.  I hope you will take this opportunity to set off on a journey to reveal your millionaire potential.

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¿Estás en crisis por las deudas?

Como afrontar la crisis economica con actitud positiva
by Pascual Hernández
(Valencia (España)

¿Estás en crisis por las deudas?

3 pasos para afrontar la crisis económica con actitud y pensamiento positivo

Paso 1. No sientas lástima de ti mismo: Aunque estés desempleado o tu situación económica sea complicada en estos momentos debes de recordar estas palabras de Napoleón Hill: “Un hombre ya está medio derrotado en cuanto empieza a sentir lástima de sí mismo o se detiene para preparar una coartada a la que echarle la culpa de sus defectos.”

Paso 2. Invierte en ti mismo: La economía avanza en ciclos, o sea, esta crisis finalizará; por lo tanto, mientras eso sucede invierte en ti: Preparate, estudia, mejora tus habilidades, capacítate, etc. de forma que cuando acabe esta crisis económica estés mejor situado que los demás (como lo hace Steve Jobs).

Paso 3. Sigue intentando, no tires la toalla: Y aunque tu situación sea complicada las palabras de Dale Carnegie te pueden inspirar a seguir intentando – “La mayoría de las cosas importantes del mundo han sido logradas por gente que ha seguido intentándolo cuando parecía que no había esperanza alguna.”

Uno de los mejores libros en finanzas personales en español
Uno de los mejores libros en finanzas personales en español

Ya finalizamos el artículo, así que ya sabes que ahora debes pasar a la Acción! Vuelve a leer el mensaje de Albert Einstein, y piensa: ¿De qué forma creativa vas a aprovechar esta crisis económica?

¿Estás en crisis por las deudas?

Radio wave

Espero que lo disfruten, y recuerde que me pueden llamar al programa de radio al

334 357 6410

Felix A. Montelara

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Two Masters, Really?

By Felix A. Montelara

Author & Host of the Potential Millionaire

Matthew 6:24

English Standard Version (ESV)

24 “No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.

 

In the last episode of Potencial Millonario, I talked to you about the strange taboo that exists about money- in that money is a topic that many people will avoid discussing until they are really in trouble with it.  Most financial problems could be solved early on with appropriate planning and budgeting, but because of the money taboo, many people will not ask for advice and will make dangerous decisions, such as taking out title loans, skipping payments, or hiding the problem from their family.  It is often only when a person becomes desperate that they will finally ask for help, and usually I find that most of the problems could have been avoided if they had asked sooner.  These financial problems can bring ruin to a marriage and destroy a family, causing people to lie to each other, hide the issues, and bring huge amounts of stress onto relationships.  Debt is a terrible master, and serving debt is like signing yourself over to servitude.  So I ask you, is money the problem, or is it the fact that people won’t talk about money, and therefore don’t understand money, that is the problem?  Friends, that is exactly why I began this radio program and website, this is why I wrote the book Potencial Millonario:  to help you understand your money and make it work for you!

In Matthew 6:24, it states, “No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.”  Let me make something clear: Money is not your master.  When you take my advice or follow my golden rules, or when you decide that you want to be financially free, or that you want to start saving money, or that you want to become wealthy, you are NOT serving your money.  You are NOT making money your master.

Potencial Millonario
Stop Worrying and Start Living

On the contrary, when you decide to have a responsible lifestyle in which you have a budget, an emergency fund, a savings account, when you save for what you want to buy instead of using credit, when you discuss money with your family and involve them in this process, when you do these things you are NOT serving money.  You are making your money serve you.  You are making your money work for you.  You are being a good steward of God’s bountiful gifts, you are taking the opportunities the God sets before you.  You are following God’s word as written in the over 100 verses in the Bible that deal with money.  So, my friends, when you are financially free you can serve God.

If you are in terrible financial trouble, if you are worrying day in and day out, if you are lying to your family, if you feel guilty because you cannot get a handle on these things- you need to ask yourself if you are serving money or serving God.  Is there time in your day, amidst your money worries and stress, to give time, thanks, and devotion to God?  Or do you instead find your discussion with God always starts with, “Why me?”  Friends, as Matthew 6:24 states, “No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.”  Be the boss of your money, make your money work for you, so that you can do God’s work.  You will love the financial freedom, you will love the relaxation that comes from knowing that you have control of your money.  This will free you to do the wonderful things that you are capable of with your God-given gifts and talents.

Footnotes: Matthew 6:24 Greek mammon, a Semitic word for money or possessions

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Potencial Millonario Ep. 11 / The Potential Millionaire ep. 11

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En este programa Potencial Millonario Ep. 11 / The Potential Millionaire ep. 11 hablamos de como financiar la educación universitaria de nuestro hijos sin tener que irse  a la quiebra.

Espero que lo disfrutes.

Felix

334 357 6410

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Potencial Millonario Ep. 11 / The Potential Millionaire ep. 11

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The Potential Millionaire On Savings

By Felix A. Montelara

1 Corinthians 16:2 ESV / 18 helpful votes

On the first day of every week, each of you is to put something aside and store it up, as he may prosper, so that there will be no collecting when I come.

2 Corinthians 9:6 ESV / 13 helpful votes

The point is this: whoever sows sparingly will also reap sparingly, and whoever sows bountifully will also reap bountifully.

In the last episode of Potential Millionaire, I not only discussed the importance of saving money, but also exactly how much money to save and where to save it.  Let’s be certain to understand that we save money not to hoard it or lord it over others, but actually to act as good stewards and thankful recipients of God’s bounty.  There are a number of Biblical Scripture passages that support my point.  First, let’s take 1 Corinthians 16:2, which states that “On the first day of every week, each of you is to put something aside and store it up, as he may prosper, so that there will be no collecting when I come.”  1 Corinthians is advocating exactly what I discussed last week- that we must diligently set aside money to save each and every time we have income.  No matter the size of the amount saved- it is the action of  retaining that piece of our income before we do our spending that really allows us to accumulate wealth.  The Bible instructs us to live by conserving what we have, not only in times of distress, but every day.  When we save daily and weekly, we grow our savings so that in our times of need we can rely on ourselves.  We can help ourselves because we have an emergency fund, and we can enjoy life to a fuller extent because we can save for our goals and attain them.  Would you like to go on vacation? Buy a new car?  A television?  These are things that can be saved for too- so that when the day comes that we have enough, we can proudly purchase these items using God’s bounty- and not the credit of a lender.

2 Corinthians has more to instruct us with about saving.  2 Corinthians 9:6 states, “The point is this: whoever sows sparingly will also reap sparingly, and whoever sows bountifully will also reap bountifully.” Iphone 040813 308  The Bible is telling us that we must make a conscious effort to care for, save, and then yes, use, God’s bountiful gifts.  But only those who put in the time and effort will see the fruit of their labors.  There is no get rich quick scheme that is sustaining- there is no magic pill for success.  Friends, what I am advocating is nothing more than good, honest work both outside and inside your household.  It takes work to make a budget and follow it.  It takes work to work to save money.  It takes effort and discipline to do these things.  Yes, everyone has millionaire potential, and the Bible provides us with the directions on how to achieve it:  Carefully saving, diligently working, and gratefully watching over our households and money.  These are the keys for unlocking our millionaire potential.

 

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Hola, Universo Blog / Hello Blog Universe

Bienvenidos a  PotencialMillonario.com

Hola, Universo Blog / Hello Blog Universe

Mi solo interés de mejorar la vida de todos las personas que desean aprender y quieran mejorar su condición financiera.

Visite este  Blog continuamente y aprenderás a como salir de deudas, tener mas dinero al fin de mes y no ser ser victima del fraude financiero.  En sesiones futuras proveeré contenido que le alimentara de deseo de ser fieramente libres.

Yo ya llegue, no tengo deudas, y soy libre financiermente,

Atentamente,

Felix A. Montelara

Autor  y Productor

Hola, Universo Blog / Hello Blog Universe

Welcome to the PotentialMillionaie.net

My main interest s that the reader educates himself about the topic of personal finaces.

Visit this blog and you will learn to handle your money, deal with your finances and aviod being victim of a money scam. in future post I will provide you with information that will peak your interest financially and will help become debt free.

I know what it feels like to be debt free and with financial peace.

Best regards,book cover

Felix A. Montelara

Author, Radio Host, & Speaker

Hola, Universo Blog / Hello Blog Universe

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Commit to Your New Year’s Resolutions. Are You Up to Them?

By Felix A. Montelara

Author & Host of The Potential Millionaire

2 Corinthians 13:5

New International Version (NIV)

5 Examine yourselves to see whether you are in the faith; test yourselves. Do you not realize that Christ Jesus is in you—unless, of course, you fail the test?

Isaiah 50:7

But the sovereign Lord helps me, so I am not humiliated. For that reason I am steadfastly resolved; I know I will not be put to shame.

In the last episode, I talked about the topic of new years resolutions, and we discussed how important it is to include your finances in your resolutions.  However, most people break their resolutions within a few weeks, and often resolutions are forgotten quickly.  It is very important to make resolutions that are realistic, manageable, and that you are committed to.  I have a number of golden rules that I talk about, and that you will find in my book, Potencial Millonario.  These would make wonderful resolutions for the New Year.  For example,  I recommend that you make a family budget, and know exactly how much money you make and spend.  I recommend that you have an emergency fund, so that you are prepared for life’s unexpected disasters.  I recommend that you save money, and that you pay yourself first.  I recommend that you are honest with your family about money, and that you approach money matters together as a team.  But what good are all these resolutions, if you are not totally committed to making them happen?  What good are they, if you aren’t willing to make the sacrifices required to succeed?  We all have millionaire potential, but do we all have the courage and discipline to be millionaires?

I really believe that each of us has millionaire potential, and that each of has the same opportunity to follow these golden rules and succeed at becoming financially free.  Will it be easy?  No.  Will it happen overnight? No.  Will it be worth it?  Absolutely.

Let’s take some inspiring words from the Bible to help us have the courage to make good financial decisions in this New Year, and to have the resolve to keep our resolutions and to remain on the road to financial freedom.  2 Corinthians 13:5 says, “Examine yourselves to see whether you are in the faith; test yourselves. Iphone 040813 006 Do you not realize that Christ Jesus is in you—unless, of course, you fail the test?”  Friends, these plans that we make about the New Year are tests.  They are tests of our discipline, our resolve, our courage.  We must look inward, we must look at ourselves and decide if we can pass the test.  When you are tempted to spend money you don’t have, when you are tempted to argue about money, when you are tempted to despair- think about whether or not you are in the faith- and find strength in the fact that we can take strength from Jesus.  Lean on Him- rest on Him- and keep strong in your resolutions.  Make them last the whole year, make good habits for yourselves about your money.  Recognize that millionaire potential that is within you, and be willing to commit to it.

Isaiah 50:7 states, “But the sovereign LORD helps me, so I am not humiliated. For that reason I am steadfastly resolved; I know I will not be put to shame.”  As you commit yourselves to your budget, your savings, your emergency fund, your good spending habits, know that you are not alone.  Know that if you persevere, you will not be humiliated, but instead you will be uplifted.  I know that for some of you, the road to financial freedom will be a tough one- but you must believe that you can do this.  No matter what difficulties you have been through, no matter what troubles you will go through, if you persevere and have courage and discipline, you will triumph in the end.

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Potencial Millonario Ep. 09 / The Potential Millionaire Ep. 09

En este episodio 09,

Regale en la Navidad con artículos DIY. Hacer lo correcto no es fácil! Piense en resoluciones durante el tiempo de Navidad. Tome control de su dinero en el 2014.

Escuche el episodio #09
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Disponible en itunes y Youtube.  Escuche y déjeme saber su opinión al 334 357 6410. Únase a la conversación y comparta este episodio.

The Potential Millionaire Club  ya cuenta con 158 personas activas. Todo es Gratis…

Gracias y Felicidades,

Felix A. Montelara

 

 

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Deje que una estrella lo lleve a un futuro con libertad financiera en el Año Nuevo 2014

By Felix A. Montelara

Autor & Productor de:

Potencialmillonario.com

Deje que una estrella lo lleve a un futuro con libertad financiera en el Año Nuevo 2014

El episodio de la semana pasada fue especial , mientras nos preparábamos para celebrar el Día de Navidad.  Iphone 040813 261Espero que todos ustedes mi lectores y los que me escuchan hallan tenido una maravillosa Navidad con sus familias. En el último episodio, me referí a la verdadera razón para celebrar en Navidad , que es el nacimiento de Jesús. También hablé sobre el origen de la tradición de dar regalos de Navidad , lo que probablemente se inició en el siglo IV , con la generosidad de San Nicolás. También hablé sobre la como regalar sin ir a la bancarrota y como dar regalos verdaderamente significativas , durante la Navidad. Recuerde, siempre hay que tener en cuenta que Dios y la familia son las cosas más importantes en nuestras vidas. Anímese a tomar tiempo con sus familias para comenzar nuevas tradiciones de Navidad. Escapase de la trampa del dinero que comercialización de la Navidad, Esta comercialización se ha convertido en lo normal sacandole el dinero que usted no tiene. Haga sus propios regalos, construyamos, o hágalos a mano , el cual resulta en acto de amor , por que esta dando de su tiempo.  Imaginase lo bueno que es pasar 30 minutos jugando con sus hijos todos los días podía hacer de su vida y crearas buenos recuerdos – lo que es un efecto duradero – esto sera mejor que la breve alegría de dar un juguete o juego de vídeo. Es difícil tener la valentía de probar estas ideas, al igual que es difícil de hacer y mantener un presupuesto, o se dificulte ahorrar para una emergencia cuando tenemos nuevos gasto. Pero amigos , quien dijo que hacer lo correcto sería fácil?

Esta semana se celebra otra fiesta cristiana importante. Los doce días después de la Navidad es una epoca llamada “Tiempo de Navidad”. El tiempo de Navidad termina con la Epifanía , que muchos llaman el Día de Reyes . BANNER 2x4La Epifanía es una palabra griega que significa ” para mostrar o revelar ‘. La Epifanía se celebra por primera vez en el siglo IV, y en un principio fue una celebración de cuatro eventos importantes: el bautismo de Jesús, el primer milagro de Jesús, (que fue cambiando el agua en vino en las bodas de Cana ) , la Natividad de Cristo, y la visita de los tres reyes magos . Estos cuatro eventos se celebraban juntos, porque eran cada vez cuando Jesús fue revelado al mundo. Con el tiempo, los acontecimientos comenzaron a celebrarse por separado , y ahora pensamos en la Epifanía como un recuerdo del largo viaje de los tres reyes magos, ya que siguieron la estrella hasta Belén y adoraron a Jesús. En muchas culturas, los regalos se dan en la Epifanía , para conmemorar el nacimiento del nino Jesús que los Reyes Magos trajeron a Jesús.

A medida que seguimos para celebrar la Navidad y esperamos que la Epifanía , recordemos que este es un momento en que debemos concentrarnos en lo que tenemos que mostrar a los demás o mostrar en nuestras vidas. En términos de sus finanzas personales, este sería un buen momento para hablar de dónde se encuentra con su familia, para que pueda comenzar el Año Nuevo junto con un plan para mejorar su situación. Puede ser una conversación incomoda, pero que revela la verdad al final permitirá a usted y a su familia progresar financieramente . También es un momento para ser honesto con usted mismo ,y para demostrar así mismo que tienes el coraje de tomar el control de su situación financiera. Revelar a usted mismo cómo gasta su dinero, encontrar sus puntos débiles , y estar decidido a tomar control de sus finanzas.Baby Jesus Crear un presupuesto, y comenzar a decirle  su dinero como lo vas a gastar , iniciar una cuenta de ahorros, y pagar sus deudas o hacer algo de locura como comenzar un fondo de emergencias. Estos son los pasos que mas le ayudaran si hacen lo discutido este programa de radio , mi libro , y mi sitio web potencialmillonario.com . Déjese tener una epifanía en las finanzas personales – y comience su viaje hacia la libertad financiera . habrá sus ojos a la mentalidad millonaria y Permita que esta temporada de alegría y celebración le anime a tener el valor de hacer lo que no queremos hacer , lo difícil – sabiendo que son las cosas mas correctas que hacer. Deje que la promesa de la libertad financiera, el alivio de no tener deuda , la seguridad de tener el ahorro, o la libertad de tener su propio dinero para gastar – deje que estas cosas sean la estrella que guíe e ilumine su camino a lo largo del Año Nuevo 2014. Amigos , al igual que el viaje de los Reyes Magos fue difícil , su viaje puede ser difícil. Pero los Reyes Magos persistieron , siguieron hacia adelante, y ellos cumplieron su misión de revelar al niño Jesús al mundo. Y no lo hicieron solo – por que ellos tenían la dirección de la estrella de Navidad enviada por Dios. Tú también, contaras una guía , enviada por Dios . Espero que aprovechar esta oportunidad para emprender un viaje para revelar su potencial millonario.

Deje que una estrella lo lleve a un futuro con libertad financiera en el Año Nuevo 2014

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