These articles are meant to help every human unlock their potential, getting inspired by my personal experiences, and great leaders' backgrounds and struggles changing into overwhelming success.

Welcome!
  • Wayne Dyer

    “You don’t need to be better than anyone else, you just need to be better than you used to be.”

  • Henry Disston

    "The fading flowers of pleasures.Spring spontaneous from the soil,but the real harvest's treasure Yields alone to patient toil."

Anxiety and Depression

 It's perfectly normal to feel anxious or depressed occasionally, especially in response to life's stressors. 

However, when these feelings become prolonged, disproportionate, or apparent for no significant reason, they need to be addressed. 



Thankfully diagnosis and treatment methods have come a long way, with many public health campaigns working towards bringing mental illness 'out of the shadows'. 


The co-occurrence of anxiety and depression is a noted feature of these disorders. 

While behavioral and emotional symptoms may differ within the two, the fact remains they are both an unnatural and unwelcome state of mental health. 


Characterized by a constant overwhelming state of fear or worry, anxiety can be debilitating in its physical manifestations too. 

The symptoms of depression may be similar to unrelenting feelings of sadness or despair.


The exact cause is still unclear; however, changes in brain chemistry, genetic factors, and hormone function are all believed to play a role. 

Irrespective of the cause, mental illness requires and generally responds to professional treatment. 


Best Methods of Treating Anxiety and Depression


Our understanding of mental illness has evolved over time, yet it still presents certain difficulties. 

Diagnostically speaking, depression and anxiety primarily affect the way an individual thinks and feels, and in most cases subsequently behaves; therefore we generally rely upon patients to identify these changes themselves and seek help. 


In some cases, family members or close friends may be able to identify vulnerable individuals and assist in requesting attention. 

Once diagnosed, however, treatment can be quite successful using a variety of approaches; the most common of which are psychological therapies or 'talking therapies'.  

Such therapies are generally administered by a qualified psychologist and involve either behavior modification (Cognitive Behavior Therapy or CBT) or examination of intrapersonal and interpersonal patterns and behaviors. 


Generally, work will be done to identify and address key triggers and ways of managing future events. 

Such therapies are often combined with a focus on improving nutrition and encouraging regular exercise, which itself can actively promote a healthy mental state. 


Indeed, a safe and effective first step towards self-empowerment is taking control over one's diet. 

The benefits are both psychological and physiological. Reducing or eliminating spikes caused by sugar-laden foods and stimulants, such as excess coffee, cigarettes, etc., will help in reducing the debilitating feelings associated with general anxiety.


Children and Adults Can be Affected


Young people and children unfortunately are just as vulnerable to mental illnesses such as anxiety and depression. 

While often harder to detect, once diagnosed, applied therapies specifically designed for children can usually assist the child in living a happier and more fulfilling childhood.  


A happier childhood better prepares the child for dealing with the stresses of teen years and young adulthood. 



The healthy and safe transition of young adulthood enables the individual to prepare for and live a life feeling in control, empowered, and able to deal with everyday challenges.




Finally, and hopefully, after exploring other options, the use of antidepressant medication may be required. 

This depends on the severity of the illness and is most often used in conjunction with psychotherapies. 

Antidepressants can be very effective in some situations. 

As in any medical case, treatment is ideally specifically tailored to suit the individual, based on a thorough study of a personal history of symptoms, responses, and environment.


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7 Tips To Increase Your Credit Score

 Having a high credit score can mean the difference of thousands of dollars of saved interest expense compared to others with a lower score. 

For example, if you improve credit score results from the credit bureaus, just a few points that increase your credit score can make a huge difference in the interest rate you will pay for a home purchase. 

It pays to increase your credit score!



The most commonly used credit scores available to lenders are FICO scores, which is a scoring method created by Fair, Isaac & Co...FICO!


These scores are provided to lenders by the three major credit bureaus: Equifax, Experian, and TransUnion. 

Before we get into some tips on how to improve credit scores, it pays to review the major areas that determine your FICO score.


1. Payment history on credit and retail store cards, loans, and mortgages.

2. Amount that you owe. Credit agencies look at how many accounts have balanced and the proportion of that balance to the credit line.

3. How long is your credit history? The longer the better.

4. New credit accounts. Applying for a bunch of credit cards all at once can hurt your score.

5. Different credit types, such as mortgages, retail loans, credit cards, and installment loans.

6. How many late payments do you have?


Now, with the playing field laid out, let’s work to boost your credit score! Some methods that boost your credit score take time, months, or years, and other areas to improve credit score can be made with a phone call right now! 

That said, here are the 7 tips to raise your credit score!


1. Pay your bills on time. 

Your payment history is a major factor (35% of your FICO score) in determining your credit score. 

If you pay your bills late or had an account referred to collections, your credit score will take a major hit.


2. Sign up for online banking and make sure your regular recurring bills are paid automatically. 

This way you will not forget a payment that will wind up reducing your credit score.



3. Increase your credit limit. 

Another large factor is the amount of your debt in relation to your credit limit. 

If you have a card with a $10,000 credit limit and your balance is $9,000, this will not help to improve your score. 

To make the debt/credit limit ratio look better, you can try to call your credit card company and request an increase in your credit limit. 

Don't use the extra credit though! That defeats the whole purpose and puts you further in debt!


4. Don't apply for many cards at once. This will not improve your credit score because this is a characteristic of high credit risk groups.


5. Don’t ever close an open credit card account. If you pay off a credit card down to a zero balance, leave it open. 

Remember that a positive factor for your credit score is how much available credit you have at your disposal when compared to your credit balance, in addition to the length of your credit history.


6. Apply for loans within a two-week period. 

Every time you request a loan and the lender pulls your credit report, it can hurt your score. 

It is part of the FICO formula that reasons "this person is trying to apply for credit and loans and possibly be trying to live way beyond their means!" 

If you keep the loan process within a two-week period, all of the credit report lookups are bundled together as one single request!


7. Check for errors on your credit report. 

Examine your credit report for errors and contact the credit reporting agencies to fix any errors on your credit report.



If you take action and follow these tips, you will be able to give your credit score an immediate boost and gradually increase it even more as time passes. 

The major keys are to pay your bills on time and reduce your debt amounts when compared to your credit limit. 

This has a twofold benefit of improving your credit score and reducing your debt.

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$1,000 Provable Income Cash Advances: Is It Smart or Risky?(updated 2025)

$1,000 cash advances have become a common lifeline for people with provable income but limited access to traditional credit. While appealingly fast, these advances often come with steep costs. This guide breaks down when they make sense—and when they don’t.

 



What Is a $1,000 Cash Advance?

  • A form of short-term financing provided in exchange for proof of income

  • Usually offered by cash advance firms, payday lenders, or fintech platforms

  • Requires no collateral and often only a soft credit check or none at all

  • Commonly repaid automatically from your bank account or paycheck


Pros & Cons of Taking a $1,000 Advance

 Advantages

  • Fast funding—within hours or a day

  • Low barrier to entry—ideal if you have limited credit history

  • Can be helpful in emergencies like car repairs or medicine

 Disadvantages

  • High fees or factor rates—often 20–50% on top of the principal, translating to APRs in the triple digits

  • Potential for debt spirals, especially with rollover options or multiple advances

  • Regulatory scrutiny—some providers have faced lawsuits for predatory practices, including cases in New York with rates as high as 820% APR

    Who Qualifies & Common Requirements

     Eligibility Criteria

  • Verified income like paycheck, direct deposit, or gig earnings

  • Active checking account—funds must typically be auto-withdrawn

  • No or soft credit check needed

  • Approval often based on banking history or consistent deposits

Fee Structure & Interest Rates

  • Some apps charge a fixed fee (e.g., $30) rather than interest

  • Others use factor rates: for $1,000, you might repay $1,200–$1,500—equivalent to 20–50% fees

  • If repayment takes longer, the implied APR is extremely high (over 100%) 

    Alternatives to Cash Advances

     Personal Installment Loans

  • Offered by banks or online lenders

  • APRs between 5–30%, with fixed monthly payments

  • More affordable if you can qualify

Employer-Sponsored or Paycheck Apps

  • Platforms like Beem, Branch, DailyPay—allow early access to earned wages

  • May charge small monthly fees instead of interest; some are interest‑free

  • Employer must be enrolled in partner network

Peer-to-Peer or Credit Union Micro-Loans

  • Platforms like Prosper or credit unions offer $1K loans with fairer terms

  • Often available to borrowers with fluctuating income or self-employment





How to Choose the Best Option

Comparison Checklist

OptionRepayment TermsAPR/Cost Estimate
Cash advance (provable income)Days to weeks20–50% fee (100%+ APR)
Personal Installment LoanMonths5–30% APR
Employer or pay‑advance appUntil payday/paymentLow fee or interest-free       

Questions to Ask

  • How long is the repayment term?

  • What is the total repayment amount including fees?

  • Is early repayment penalized or rewarded?

  • Are rollover or extension fees disclosed in advance?


Should You Take the $1,000 Advance?

When It Might Make Sense

  • You're facing a true emergency

  • No credit or cash alternatives are available

  • You can repay before heavy fees accumulate

When to Avoid It

  • If repayment will take multiple pay periods

  • If other options are available, like personal installment loans

  • If the provider has poor reviews or predatory practices (e.g., lawsuits like the Yellowstone case)

     

    ✨ BONUS: Organize Your Finances With a Budget Binder

    Before or after taking on any loan—especially high-interest advances—consider using a tool like the Monthly Budget, Sinking Funds, Financial Goals & Debt Tracker

    This editable Canva binder helps you:

  • Plan repayments in advance

  • Track income, expenses, and sinking funds

  • Set financial goals and monitor debt payoff

  • Stay motivated and organized with print-ready templates

Perfect for freelancers, single parents, or anyone with variable income—this planner gives you a visual roadmap for financial clarity, making cash advances less necessary in the future.


Conclusion:
A $1,000 cash advance can offer quick relief—but often comes with heavy strings attached. Use tools like the Monthly Budget, Sinking Funds, Financial Goals & Debt Tracker to strengthen your finances and reduce your dependence on expensive short-term lending. Empower yourself with knowledge, not just a quick fix.

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7 Habits of Highly Successful Dating

 1)Don’t look at other women

While dating, focus your attention on your date and make her feel as if she matters the most to you compared to other women. 

Let’s face it, women loved to be showered with attention and pampered by her man. 

If not for you, who else other than her immediate family members.

2)   Make her feel like a queen. 

On the first date, buy her dinner to show you value her company. 

This will also reduce any tension between two people meeting for the first time. 

Make her feel special. 

Women find this absolutely irresistible. 



Build a bond of fun and excitement between you and be romantic. 

Subsequently, you can buy her gifts when the relationship progresses but never ask or even hint at sexual favors in return. 


3)Be yourself. 

Don’t exaggerate or boost your credentials, successes, etc. 

Make the other party feel at home so that she does not feel pressured to impress or lie to you. 

Sincerity is the best policy. Nobody feels more comfortable around people who are genuine and sincere.

4)Don’t ever talk about your past relationships.

Don't keep harping on them. This is a no-no and a sure turn-off. 

You will only project the impression that you are unable to let go and continue to give a present date a chance to get to know you better in a positive manner. 

5)Treat your first date as if going for an “interview”. 

You want to impress and let the other person know your qualities and characteristics of a life partner. 

If you are not ready to be in a commitment, let her know straight away so that you do not mislead her into false hopes. 

But be cautious not to boast or exaggerate stuff that is beyond you. 

Your deepest communication with women is carried out by your personal style and your level of confidence. Nobody feels more at ease than being with a confident man.

6)Don’t keep splurging and live like a millionaire unless you are one yourself. 



During the dating process, be careful how you handle money and spend within your own capacity. 

You don’t want a bank account with only 1 figure left after several dates. 

If you cannot afford it, go somewhere cheaper or try less expensive alternatives. 

It is most undesirable if, after several dates, you find that both of you are almost broke or worse, had to borrow to continue your lavish lifestyle. 

If your partner is in a habit of borrowing money from you, drop her or him immediately. 

7)   Be observant.

While dating for a while, you can conclude if this person is suitable for you for life or not. 

During dating, keep both eyes wide open and look for telltale signs like a persistent borrower, in debt, etc but after marriage, keep a close eye and forgive. 

The best time to date is during high school or undergraduate years as you are young with no "life baggage" but you can also date if you are single again. 

Marriage is meant to last for better or for worse till death do us part. 

But enjoy dating while you can and live life to the fullest. 


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Do Less to Accomplish More

 Multitasking – it's how we do things these days. 

Five things at once.

 Why? 

Time crunch. 

Too much to do, so little time. 

We're busy, busy, busy. ..Rush, rush, rush. 

Gotta be productive. 

Gotta get more done. 

Gotta go more places, have more things, see more people. 

We're frantic, exhausted, and stressed. 

You know the scenario. I know it, too. 

Here are some recent examples.

I'm finishing the dinner dishes while starting a load of laundry, taking out the trash, setting up a lunch date with a friend on the phone, and baking super-chunk chocolate chip cookies.  (We can't forget the importance of chocolate in our daily lives!)  

End result: bits of tissue from an unchecked pocket all over the "clean" clothes, a spilled glass of milk, a lunch date mis-entered on the calendar, a sticky, stinky mess on the floor from dropping (and spilling) the trash, and two broken dishes. 

Oh, and I burn the cookies, too, and hurt my friend's feelings by not paying attention to her. 

All in all, apologizing, cleaning up the mess, straightening out the confusion, and redoing the jobs I was trying to do all at once take more than twice as long (and create about twenty times the stress) as if I'd done things one at a time. 



Or I'll be putting laundry away while tidying the house, having a yelled conversation with my daughter, and thinking about an article to write. 

End result: My daughter thinks I'm angry because I'm yelling, I can't ever find the stuff I've put away (and two months later end up buying replacements, only to have the original turn up the next day), and half my clothes fall off the hangers and have to be picked up and rehung. 

Or even ironed, if I don't catch them for a couple of days. Then I forget to write the article. 

I've been known to (accidentally) leave my sunglasses in the refrigerator and my car keys in the bathroom sink because I was thinking of what I had to do next instead of paying attention to what I was doing at the time.

What I – and everyone else caught in this rush-rush trap – need to do is just slow down. 

Do one thing at a time and be fully present for it. 

We'll end up saving time, money, and energy in the long run. 

By slowing down, by concentrating on one thing at once, you'll remember tomorrow what you did today. 

You'll know where you put your car keys. You'll remember that you bought a loaf of bread yesterday, and you don't need to buy two more. 

You won't burn your cookies and have to start from scratch. 

And in the long run, you'll save time, money, and stress.

Now, we don't need to swing too far the other way. 

My beloved husband, the official cookie maker in the family, will put a batch of cookies in and actually sit and watch them as they brown. 

Of course, he also watches paint dry and glue set. (Really!) 

And while what he does he does well, that extreme would drive me crazy. 

So I compromise. 

I do two things at once, or even three, but no longer four or five. I put the cookies in to bake, then settle in on a chair in front of the oven with a magazine (or a telephone) and keep those cookies company. Then I’ll sample one as soon as it's out of the oven and cool enough to handle. That's a reward I've been missing out on. 

I've been too frantic, too busy, doing too many things at once to enjoy the fruits - or cookies - of my labors. 

I don't get the satisfaction of a completed job, much less a job well done when I'm doing so many things at once that none of them are well done. 

So a vague sense of dissatisfaction builds up, along with the frantic stress that's also a by-product. 

Between stress and dissatisfaction, I get the feeling I need to do more – when actually, that's the cause of the problem. 

The answer may seem counterintuitive: I need to do less.

After a certain point, multitasking is no longer efficient. Sometimes (take cell phones and driving, for example), it can be downright dangerous. 

I'd like to challenge you to notice how much you really accomplish when you multitask. 

Are you saving enough time to be worth the stress and the worry? 

Or if you did one or two things at once, instead of four or five or six, would you end up with more energy and less stress, more satisfaction, and less time expended? 

It's up to you – only you can escape from the rush-rush, multitask, a be-more-productive trap that American society is caught up in. 

Only you can choose to do more by doing less all at once. 

The reward? 

Finding your car keys exactly where they are supposed to be and eating a perfectly baked chocolate chip cookie is priceless.

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- Richelieu -

"Be liberal but cautious; enterprising but careful."

"Our greatest glory is not in never falling, but in rising every time we fall."
"In the lexicon of youth, which Fate reserves for a bright manhood, there is no such word As—fail!

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Evergreen books to read this year

  • "Chicken Soup for the Soul" by Jack Canfield
  • "Believe" by Evan Carmichael
  • "As a man thinketh" by Earl Nigthingale
  • "Think and Grow Rich" by Napoleon Hill
  • "You Were Born Rich" by Bob Proctor
  • "The Strangest Secret" by Earl Nightingale
  • "No Matter What" by Lisa Nichols
  • "The 21 Irrefutable Laws of Leadership" by John Maxwell

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Discovering how people think, why they think in certain ways and what's stopping them most from taking action have always intrigued me. It made me dig dipper into the unlimited human thinking universe.

If this inspired you, fuel my work with a coffee — every cup keeps the ideas flowing! 💛