Black people lets learn to save money

403092_3087076334042_257667427_nThe majority of us black people will continue to get poor and poorer simply because we don’t know how to spend or manage our finances. I have realized that most of us work so hard for money yet we don’t respect it, especially when we have lots of it. You can’t spend all your savings on luxuries and parties, it’s high time we learn to invest and save money

It’s not easy to save and invest but its possible very possible if one wants to. We spend money on useless things like expensive cars, alcohol and clothes as if we are superbly rich. Don’t get me wrong what I have seen is that white people are not all rich as we assume but just very smart with every of their cent, while we black people are busy squandering our monies as if there isn’t tomorrow they will be busy buying shares in stock exchange. And we materialistic things are our investments; do we really believe expensive cars are investments and the future for our kids?

Why can’t we learn from white people and start investing on stock exchange and buying shares rather than showing off with cars that cost millions, when we don’t have even a thousand in our account

My black brothers and sisters never fool yourself cars are not an investment and neither is alcohol or expensive clothes. We have seen our people get good packages after years of hard work only to go on a wild spending spree and not investment a cent, its simply unacceptable to spend your whole package on luxurious materialistic things

I challenge all black people to learn to save and invest in things like property. Invest your money in something that will bring good returns and a smile in the future. If we don’t change our attitude about money matters, we will continue to live in poverty and making white people scapegoats for our arrogance

When it comes to money matters we don’t want our children to inherit our attitude towards money and create broke future leaders of communities who has no respect for money. Financial institutions have a role to play they don’t have to be just profit driven, as they are today but rather promote financial literacy. It’s never too late to invest and start saving today for you will be spared from regrets and tears in future

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You are the driver of your life

mr ntlamoI look upon life as do- it self project. I create my own happiness and self-esteem I never complain when I fail for I take responsibility of the best person I can become. I know people who have given up on their personal goals and I’m very sorry for them as life is never failing but getting on feet and try over and over till you get it right

I have always believed what mind can think of its achievable never adopt a mindset were you think winning in this game of life is far off and impossible; it doesn’t have to be that way. Our lives were not meant to be routine just waiting for that big thing to come, you have to be positive and go out there knock the doors looking you never know what might be awaiting.

I have learned over the years to build on my strengths and working on my weaknesses that is perhaps I have been so successful on my personal goals. I have learned for one to be successful you have to be humble but the same time love yourself while always doing your best to develop your talents and pursue your purpose. We don’t have to throw away our hopes and expectations and reach the lowly point of ‘’ anything will do ‘just because we have tried and failed before. Remind yourself of past victories and that self love and confidence come to you when you accept full responsibility for your own happiness, success and failure.

Think yourself as your own coach, remind yourself again and again of past victories and use them to build strength when faced with new challenges. Be grateful for the ability to control your, response to whatever life throws at you because by so doing you stay focused and on the right track to greatness

Never look at life as unfair towards you when facing any challenges because challenges when thinks positively can open new doors for you- challenges are always accompanied by hidden opportunities.   Put in mind everyone goes through certain challenges in their lives and accept thus how life is meant to be, acceptance will help you not get stuck in the moment but focus on the future and what you capable of pulling through and all opportunities that will come your way in future

If we stop fighting and striving to reach our goals we have set for ourselves, chances are we will be content with waiting for handouts that may come our way, And that would shameful considering if we believe and stop listening to negative friends it would be us handing out to those who are not wise enough and gave up.

Giving up on your goals I regard it an act of sabotage to your future because you are the one who promised yourself on what you want to achieve, If so then your future is in your hands and all it take is patience and not be a coward by dropping your goals easily.

If you have failed in the past year, having just started 2015, you should believe this one will be fruitful for you in many ways. Have a vision instead of mere resolutions. A dynamic life is always fired by vision. Our seasons don’t change simply because of passing time, they change because of people we allow to enter and exit our lives. The greatest tragedy that can happen to someone is to have a lack of vision for their life.  It’s true that poor eyes limit man’s sight, poor vision limits his deeds. Vision is ability to see further than the eye can look

Have a sense of purpose for your future (driver) and never give up

 

 

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Who is really is Ephraim Ntlamo ?

30198_400853127461_7683460_nI remember a few years back people from all walks of life asking is it this tiny boy who have started this fantastic initiative (Refugee6 foundation) and the author of that blog. Yes they had reason to few do at 17, I was a small boy believed by few the majority rubbished my ideas but when things started unfolding as if in a movie script they were the first to congratulate me and since then they had been no turning back. People realized what a gold mine of great ideas I was.

My ideas are master class no wonder people always want to hear about them. I’m the kind of person who can turn R100 into a million if I want to, however my success in whatever I do is not because of merely intelligence but attitude and character and knowing what I want in life. Below I have outline why I’m a success and will in future be counted to be among the greatest Zimbabweans perhaps Africans.

  1. I have many friends and easily make them however I need them least in that time of discouragement, crazy isn’t?
  2. I have a burning passion for larger than life things not materialist things through
  3. Every step forward in what I do is dangerous adventure (risk) and I enjoy that and never turn back
  4. I put myself in a situation whereby I don’t invite everyone onboard nor ask for opinions, I just do things my way if that something brings trouble it’s me anywhere who will have to find a solution (way-out) therefore those who sail along or wants to sail along with me and my great ideas has to have a dumb obedience of a dog
  5. I think I’m my life therefore no one is entitled to demand explanation from me for now maybe in future if ever I get married
  6. When I started the Refugee6 Foundation I discovered the power of make believe how it can create a truth great than actuality
  7. What people admire about me is utter bravery and enthusiasm to move mountains
  8. I believe reason distinguishes man from poverty and suffering, thus why I work hard but hard work not strategically planned is nothing
  9. I have learned how soon the world forgets about you and what you have done just from one mistake, I therefore never repeat the same mistake of yesterday
  10. I try hard in everything that appeals to me even through some will be artificial and just bring me trouble and few cents. I believe the next time I will do much better. I’m never ashamed of failure , failure is learning and experience gained
  11. When I score 2% of my plan I’m encouraged to do others
  12. When things are tough I hang up my plans and take any offered employment to get back on my feet being choose is not part of me
  13. I know life to be unpredictable I’m therefore always prepared for the worst, even ending up in a place where I could learn the jargon of thieves and murderers
  14. When people inquire about me they are amused that I’m just a poor someone known to few. I’m always humble and polite achievements don’t make me lose touch with myself. I will see myself as a better Ephraim to that of 10 years ago
  15. When I attempt to do something I at times fail dismally but never bury my head in the sand in shame instead for me failure is a lesson in every lesson you take out positives that will help you tomorrow
  16. I don’t waste my time on people who are bitter towards me for I know it’s human nature that not everyone will like you, poor or rich people will hate or like you
  17. I never get along with hell raising and selfish individuals who never think of others
  18. I never wave my confidence because I know I have sublime to make things to happen and help others
  19. Whether days are dull or not I work like an ant
  20. I’m a firm believer of when you do something do it whole heartedly
  21. When I was a young boy I sat with adults to gain strength of mind something I still do today
  22. I’m blessed with brains because I’m so imagineous and free with all I have those who know me will tell you , I never say “nay”
  23. I never turn from a difficult situation a tired broken man or convinced I’m a total failure
  24. I have trained myself never to agree on things at one go I take relevant attention to what at hand before I make a decision
  25. I wish to outdo not others but the me of yesterday to create another yesterday
  26. My secret to success is belief and courage
  27. I always go for the bigger and difficult tasks because I want to be I want to be 25 years ahead of my age
  28. I always distance myself from superstitions and wishful thinking instead I take action right away
  29. I like danger and it’s a pleasure to meet it and learn from it
  30. When I want to change something about myself I strip that thing as I do with my dirty garment

To be continued

 

 

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I make my own luck- take action and risk

ImageYes some people are born lucky but no me I was not born as such; I believe luck mostly favours those who work harder.
Tomas Jefferson, a famous former American president once said:” I find that the harder I work the more luck I seem to have.
Luck requires lots of effort and luck people are positive people just like me. They take risks their lives included and the bigger the risk, the bigger the reward. Luck people don’t give up or give in. We tell our inner critic to shut up and get on with the task at hand. We luck people face our fears and obstacle, we always expect miracles and get them.
We go out there and attract good vibe and also brave, we know what luck means; living with corrupt knowledge.

I meet people for a particular reason

People come into my life and I know right away that they are meant to be there. They are there to serve some sort of purpose, it might be to teach me a lesson, help me figure out who I’m or who I want to be. And you may never know who these people maybe, it maybe your roommate, a neighbor, a professor, a friend, a lover, or even a stranger.
But when I lock eyes with them, I know at that very moment that they will affect my life in a serious way. Sometimes things happen to me that may seem horrible, painful and unfair at first. However on reflection I find that without overcoming those obstacles I would never had realized my potential. I believe most things happen to test the limit of my soul and without these small tests; life would be like a smooth, paved straight road to nowhere. It would be safe and comfortable but dull and pointless.
The people I meet in my life makes me who I’m, I learn from bad experiences and believe they are the most important ones. If someone loves me, I give back love back to them in whatever way I can.
I make everyday count and appreciate every moment; I take from those moments everything that I possibly can, for I may never experience it again. I tell myself I’m a great individual and believe in myself. If I don’t it should be surely hard for you to believe me.
I create my own life and then go out there and live it with no regrets, I learn a lesson about life each day and enjoy every moment because I’m great and will be even greater in few coming years.

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Many African men are Boko- Haram, Lobola first, then babies

ImageIt is embarrassing to see how people have turned God’s plan of marriage into something to joke about, No wonder marriages these days has became as fragile as glass.

When families break up there is lot of drama, and the ones who suffer most are the poor innocent kids.

Black people have bypassed marriage by having kids out of the wedlock, to some extent women are to blame as they are the ones who can stand their ground and insist on doing the things the right way before failing pregnant.

Some couples who have children born out of the wedlock even have the guts to brag about their babies as if everything was normal. In our African tradition it is taboo to give the name from the father’s ancestral line if he did not pay lobola. This trend is growing fast; it seems as if our African celebrities especially enjoy being single parents. And our young people look up to these tradition limping individuals as their role models.

As a true African who follows and respects his tradition, I argue every black person to do the right thing and lead a life worthy of following. Furthermore don’t forget that no vows had been exchanged between the two of you. For you to carry his child doesn’t mean anything to because he was not in the father mentality when he proposed you.

He just wants to enjoy you irresponsibly without thinking of the outcome and without everyone acting responsibly and with respect it’s not too late to correct this tradition decay.

Ladies please be strict and lay down your rules and stand by them. Then our children will benefit by having parents who love and take care of them.

If you don’t pay lobola then you are also just like the Boko- Harams

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Success isn’t never failing but raising every time you fall

ImageThey say when one door closes another one opens, I’m really grateful to all the people who had been over the years there for me, the people who had keep me intact and going when I should have had exploded, to those who know me are aware my life journey hasn’t been an easy one. I have tried my best to pay back show appreciation to those who had sacrificed their time and resources on me until to this day. But sometimes in life we need to accept that at times things are not meant for us, we at times try to be what we were not meant to be.

Those of you who follow my life know how brilliant a person I’m , I have all the qualities to be ideal leader in my community, I’m a responsible human being despite all I have achieved the people some of whom respected public figures not even one day I had been dragged into a nasty scandal, not even one day I had been angry at someone no matter how they sin me. I have done my party in moving my community forward encouraging other young people to be positive in life even when the going is tough, with every step taken the gap is being closed. Today I sat down and look back and wish I could have done more but still looking back at the age I was when I was doing whatever I did to other young people in my community my eyes are filled with tears of pride.

For me life is all about having that positive energy believing in the impossible, listening less to doubters and following your instincts and what you believe it can be accomplished because not all of can climb mount Everest, If Simon can’t climb Everest and you feel you can he must feel because he has failed to so you will but if you listen to him not your instincts you will be a static of a failures as well.
As days get closer to my 22 birthday I sometimes realize how an extraordinary person had been and still I’m today it will be understatement not to mention that I’m a very different person from most of age -mates , I dream under conditions were I should not have had at the same place and fulfilled those dreams in very small space of time, to dream is free but to walk and accomplish the dream is never easy it takes being a man.
I have over the years adopted a lifestyle where by I believe facing difficulties in life comes with a very handsome reward, facing difficulties in my life I can today say It had been a blessing in disguise , it’s something that motivates me . This month I will be turning 22 and a grown up man isn’t so? And a grown up man doesn’t wait for other people be relatives or friends to find solutions to his problems, at this age a real man doesn’t really like people interfering into his own life. At 22 it’s when you stop listening to people making noises about what best for you and make a decision and move that direction, it doesn’t matter what you choose as long you know its best and it will work for you. I personally think time have came for me to go it my way in this life without anyone suggesting what to do with my life. I have learned over the years that people when you are smart enough they will always try influence you do what they think is best but you don’t see as such and thus we end up making mistakes by wanting to impress and do something which we would not have gotten ourselves into in the first place. It must be noted that people sometimes get involved in our lives with good and bad agendas, we have seen over and over that people use others to achieve their goals, it’s therefore a matter of being careful.
People have different talents and at times God chooses for us who he wants us to be and we can not go against that because when we do thus when things don’t work out for us, I have personally always wondered to why I can move a mountain in plan B and never really proceed in plan A when I try force things on plan A they work for a certain period of time before something very serious comes up to halt that progress but when I’m at plan B all seem to be doing it for itself naturally with me putting 120% effort .
I know that God has a special plan for me to follow but had been ignoring because I had always wanted to accomplish what everyone wished was best for me, I tried follow that route and sadly it never really bear fruit because I was forcing things that were not meant for me I wanted to be someone who I’m not meant to be .
Looking back at my accomplishments over the years only someone who pretend to know me would call me a failure and such people are those who talk to me when they hear something good had happened with me and place themselves in a situation advise me but I’m not foolish I take everyone’s advise and only a few doesn’t end up in the dust bin. I was born a success but had been ignoring the part of me that is really me, the path that would had seen me succeed with distinction. I have now found self and the really purpose I’m in this world , lots of us out there are doing things we should not be doing , lots of us don’t know our purpose in this world even if we do know we doubt ourselves and what a shame.
I’m not writing this because I’m regretting I have had a wonderful life already although I’m only 22 when I put down my life I could well half qualify to go and retire in a farm and look after my livestock, the knowledge and my experiences over the years no one can take that from me, I know life than when I could when I’m to be 55, I’m proud that I have played my part in life changing charitable causes and have inspired a number of young people from different walks of life that nothing is impossible in this life no matter your back ground, gender or race most importantly I played a positive part in society at an age when I would had done lots negative things that affects society.
I’m happy in life today because I believe everything that had happened to me, my decisions over the years all they was purpose behind them and I never look back feeling sorry for myself or with any regret. Although I’m not where I wish to be in life but at-least have to appreciate the fact that I’m in the right direction and have the skill to climb any mountain in life. Besides I have more to be proud of than feel sorry for myself I accomplished whatever I did when odds were heavily against me and did it under the same situation many times and this year is no different I look forward to accomplish my life target under hash conditions and when I do the smile on my face is much bigger because there is no victory as sweet as when odds are heavily against you.
We as people are different some come from well off family, some from average families, others from very poor families therefore it might be easy for some difficult some to accomplish what would seem a easy dream, some dream and just walk the dream as strolling in the park while other have to work extremely hard for years just to accomplish the same. When you have no proper family support structure you dream under hash conditions and such matured and learned me that there is no easy dream that is easy or can be accomplished just like that one has to suffer to achieve anything in this life, if you homophobic to struggling then you have no life those who are prepared to make it in this life are prepared to suffer and take risks. The struggle is even much better for you when you someone or people who cheer and pick you up when you fall because as you grow up in life you appreciate that some people don’t have that privileged from the young age, when they were down they had to cheer themselves up, when they fell they had to pick themselves up
2014 is a year when I do what I think It’s best for me and my life, forget about what people think of me or what I should be or become, I know my capabilities and my plan B’s in life . We tend to make mistakes by thinking that what everyone expect us to be it’s really what we are meant to be in this life. No success is everywhere, but when we try force things we may sure believe success is monopolized somehow and only those who have the right qualifications are guaranteed success in life.
Many of us wonder how some people seem to succeed beyond imagination so effortlessly and painless to most of us, they don’t try force things, they do things according to what is God given to them, they choose the direction for themselves that is already paved rather than a rough one they must negotiate slowly but painfully.
We can deny this but it’s the truth, all of us were born to excel effortlessly in a certain field of work, some people are born business minded and we watch them succeed effortlessly in that, while others try to copy-cat such person and fail dismally. Everyone has his or her talent and it’s very important to know what you are best at and if you do what you are best at even if it doesn’t pay you good for now but promise you will live a very happy life and in the near future be very wealth, the example is a Somali man selling different kind of stuff he can make a R20 profit a day for months but come after a year he will be making R 7000 a day from the same thing, he can’t give up because he knows selling it’s where his talent is and come after five years he will be a millionaire then thus when some of us who doesn’t understand honoring your God given talent will start saying no, one can succeed from selling sweets he was selling drugs, WHAT DRUGS just in your mind because you are foolish.

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My Cape Town holidays visit in pictures

Ephra 1

ephraim cocoa

ephraim 3

What interests me about this life is that those who have met will meet again it can be years, it can happen and  when does happen it is  such an interesting time when you all reflect back were you then in your lives and where you are today, Life is always about dreaming big and walking the talk and having direction in sort of a fixed campus to direct you were you wanna be, there is no easy journey in this life but with hope and sacrifice mountains can be moved. People will tell you this and that can’t achieved by an underdog like you but listen not to them but your inner voice and how you are feeling of what you are planing for the year, whatever it can be don’t look back remember to achieve anything you have to take the first step and expect to suffer. Its better to suffer from the beginning and have a happy ending

Good luck for 2014 it will be a busy year for me so me  I will  write but not as much as I would love but because  I know some of you like to keep up to date with my ideas and what up to will now and then, I’m sure some of you know already I’m embarking on two very big projects.

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