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Biblical Principles for Wise Financial Management

Foundations: Cultivate a steward's mindset.

1. Recognise God created everything
In the beginning there was nothing, and God created (Genesis 1:1).
2. Recognise God owns everything
"'The silver is mine and the gold is mine,' declares the LORD Almighty" (Haggai 2:8). "Every animal of the forest is mine, and the cattle on a thousand hills" (Psalm 50:10). "The earth and the fullness thereof belong to the Lord and all those who live within" (Psalm 37:21).
3. Realise we cannot serve two masters
"No one can serve two masters. For you will hate one and love the other, or be devoted to one and despise the other. You cannot serve both God and money" (Matthew 6:24).

Mudik: Miky, Fever, and Everything in Between

Pas semalem sebelon tanggal merah libur Lebaran me 'n my fam kan nginep di Surabaya. Miky ditinggal di rumah dalam keadaan gelap gulita, coz kita berangkatnya sekitar jam 7 malem gitu 'n semua lampu dimatiin. Kasian... dia kayak ngerti gitu, masa sebelum kita berangkat dia kan ga ada. kita cari-cari eh ternyata dia duduk di mobil.... kayak mau ikut gitu... Tapi terpaksa kita tinggal, makanan dah dipenuhin di piringnya, nasi + ikan ama whiskas juga. Nah kita kan nginep di Surabaya 2 malem tuh... Balik ke rumah sini hari Sabtu kemaren lusa.

Busy Days Before Mudik

Judulnya berjuang demi masa depan hehehe.... Bulan ini ada beberapa hal yang terjadi. Yang bikin down ada, yang bikin sedih ada, yang bikin bingung ada,  yang bikin bimbang ada, yang bikin panik ada, yang bikin seneng ada, yang bikin sumpek juga ada. Yah jadi ngambil kesimpulan ngadepin apapun emang kudu legowo, kudu tetep bersyukur 'n berharap ama God... coz:

Bahwa aku tertindas (afflicted, tertekan, ada beban) itu baik bagiku, supaya aku belajar ketetapan-ketetapanMu.
Mazmur 119:71

Pungli di KPP Rungkut

Sebenernya dari rada lama pengen nulis ini hehehe... Berharap bisa mengurangi jumlah korban pungli, soalnya kebanyakan ga tau kalo itu pungli. Dipikir udah ngelakuin hal yang bener tapi ternyata jadi korban dibohongin ama oknum-oknum di halaman kantor pajak. Walopun yang jadi korban 1 orangnya cuman tertipu seribu rupiah (bayangin berapa jumlah total uang pungli per hari yang mereka kumpulin?), tapi tetep aja ini bener-bener menggelitik banget sekaligus ironis...

Pungli-nya emang ga terang-terangan. Tapi secara sugesti itu bikin orang ngebayar 'n ga sadar kalo mereka udah jadi korban pungli. Pengalaman pribadi ini di kantor pajak Rungkut yah, kalo di KPP lain gatau deh... Pungli uang parkir. Gini ceritanya...

Media Udah Jadi Satu

Tadi siang pas lagi nonton "Bingkai Berita" di TransTV, jadi ngeh kalo sekarang media online ama TV tu dah jadi satu. Beda banget ama dulu. Kalo dulu mana ada acara TV yang ambil bahan terang-terangan dari internet? Sekarang mah udah normal... Bahan berita ada yang dari youtube, facebook, twitter, juga ada website khusus yang postingannya diangkat jadi satu segmen acara gitu...

Yang tadi aku tonton siy itu, tentang hebohnya video lipsync "Keong Racun" yang sampe jadi trending keyword di Twitter. Heran aja kok bisa sampe booming gitu... Padahal cuman lipsync 'n bergaya-gaya ngikutin lagu...

Dashed Hope

(By Max Lucado)
“I had intended …”
David had wanted to build a temple. And who better than he to do so? Hadn’t he, literally, written the book on worship? Didn’t he rescue the ark of the covenant? The temple would have been his swan song, his signature deed. David had expected to dedicate his final years to building a shrine to God.
At least, that had been his intention. “I had intended to build a permanent home for the ark of the covenant of the LORD and for the footstool of our God. So I had made preparations to build it” (1 Chron. 28:2 NASB).
Intentions. Preparations. But no temple. Why? Did David grow discouraged? No. He stood willing. Were the people resistant? Hardly. They gave generously. Then what happened?
A conjunction happened.
Conjunctions operate as the signal lights of sentences. Some, such as and, are green. Others, such as however, are yellow. A few are red. Sledgehammer red. They stop you. David got a red light.
I had made preparations to build it. But God said to me, “You shall not build a house for My name because you are a man of war and have shed blood.… Your son Solomon is the one who shall build My house and My courts.” (1 Chron. 28:2–3, 6 NASB, emphasis mine)
David’s bloodthirsty temperament cost him the temple privilege. All he could do was say:

I had intended... I had made preparations... BUT God...
I had intended …
I had made preparations …
But God …
I’m thinking of some people who have uttered similar words. God had different plans than they did.
One man waited until his midthirties to marry. Resolved to select the right spouse, he prayerfully took his time. When he found her, they moved westward, bought a ranch, and began their life together. After three short years, she was killed in an accident.
I had intended … 
 I had made preparations … 
 But God …
A young couple turned a room into a nursery. They papered walls, refinished a baby crib, but then the wife miscarried.
I had intended … 
 I had made preparations …
 But God …

I had intended …
I had made preparations …
But God …
What do you do with the “but God” moments in life? 
 When God interrupts your good plans, how do you respond?
The man who lost his wife has not responded well. At this writing he indwells a fog bank of anger and bitterness. The young couple is coping better. They stay active in church and prayerful about a child. And what about David? When God changed David’s plans, how did he reply? (You’ll like this.)
He followed the “but God” with a “yet God.”
“Yet, the LORD, the God of Israel, chose me from all the house of my father to be king over Israel forever. For He has chosen Judah to be a leader; and in the house of Judah, my father’s house, and among the sons of my father He took pleasure in me to make me king over all Israel.” (1 Chron. 28:4 NASB)
Reduce the paragraph to a phrase, and it reads, “Who am I to complain? David had gone from runt to royalty, from herding sheep to leading armies, from sleeping in the pasture to living in the palace. When you are given an ice cream sundae, you don’t complain over a missing cherry.
David faced the behemoth of disappointment with “yet God.” David trusted.
His “but God” became a “yet God.”

Who’s to say yours won’t become the same?

* PS: I've been so blessed by Max Lucado's mailing list, especially this one for now... :)

From The Motherhood Movie


Below are the words from “Motherhood” movie I’ve seen for the second time today. The main character is played by Uma Thurman, act as a mommy blogger. I don’t know why I always like movies involving blogger character LOL… Like this one and also Hillary Duff’s movie “The Perfect Man” :b
Here are the words, spoken (or may I say, written in the blog) at the end of the movie:
----
Things are always changing…
No matter how much we might want things to stay the same.
So seize your days and dwell in them fully.
Look to the children, because they know how to inhabit brief periods of time with extreme passion. And for nothing more, really, than the sake of those moments.
They can help you remember that, if you only slow down and let them. Feel fortunate because chances are good you actually might be.

PS: Do you find those above words inspiring?

The Wisdom of a Woodcutter

(By Max Lucado)

Once there was an old man who lived in a tiny village. Although poor, he was envied by all, for he owned a beautiful white horse. Even the king coveted his treasure. A horse like this had never been seen before - such was its splendor, its majesty, its strength.

People offered fabulous prices for the steed, but the old man always refused. “This horse is not a horse to me,” he would tell them. “It is a person. How could you sell a person? He is a friend, not a possession. How could you sell a friend?” The man was poor and the temptation was great. But he never sold the horse.

One morning he found that the horse was not in the stable. All the village came to see him. “You old fool,” they scoffed, “we told you that someone would steal your horse. We warned you that you would be robbed. You are so poor. How could you ever hope to protect such a valuable animal? It would have been better to have sold him. You could have gotten whatever price you wanted. No amount would have been too high. Now the horse is gone, and you’ve been cursed with misfortune.”

The old man responded, “Don’t speak too quickly. Say only that the horse is not in the stable. That is all we know; the rest is judgment. If I’ve been cursed or not, how can you know? How can you judge?”

The people contested, “Don’t make us out to be fools! We may not be philosophers, but great philosophy is not needed. The simple fact that your horse is gone is a curse.”

The old man spoke again. “All I know is that the stable is empty, and the horse is gone. The rest I don’t know. Whether it be a curse or a blessing, I can’t say. All we can see is a fragment. Who can say what will come next?”

The people of the village laughed. They thought that the man was crazy. They had always thought he was a fool; if he wasn’t, he would have sold the horse and lived off the money. But instead, he was a poor woodcutter, an old man still cutting firewood and dragging it out of the forest and selling it. He lived hand to mouth in the misery of poverty. Now he had proven that he was, indeed, a fool.

After fifteen days, the horse returned. He hadn’t been stolen; he had run away into the forest. Not only had he returned, he had brought a dozen wild horses with him. Once again the village people gathered around the woodcutter and spoke. “Old man, you were right and we were wrong. What we thought was a curse was a blessing. Please forgive us.”

The man responded, “Once again, you go too far. Say only that the horse is back. State only that a dozen horses returned with him, but don’t judge. How do you know if this is a blessing or not?

You see only a fragment. Unless you know the whole story, how can you judge? 
You read only one page of a book. Can you judge the whole book? 
You read only one word of a phrase. Can you understand the entire phrase?

“Life is so vast, yet you judge all of life with one page or one word. All you have is a fragment! Don’t say that this is a blessing. No one knows. I am content with what I know. I am not perturbed by what I don’t.”

“Maybe the old man is right,” they said to one another. So they said little. But down deep, they knew he was wrong. They knew it was a blessing. Twelve wild horses had returned with one horse. With a little bit of work, the animals could be broken and trained and sold for much money.

The old man had a son, an only son. The young man began to break the wild horses. After a few days, he fell from one of the horses and broke both legs. Once again the villagers gathered around the old man and cast their judgments.

“You were right,” they said. “You proved you were right. The dozen horses were not a blessing. They were a curse. Your only son has broken his legs, and now in your old age you have no one to help you. Now you are poorer than ever.”

The old man spoke again. “You people are obsessed with judging. Don’t go so far. Say only that my son broke his legs. Who knows if it is a blessing or a curse? No one knows. We only have a fragment. Life comes in fragments.”

It so happened that a few weeks later the country engaged in war against a neighboring country. All the young men of the village were required to join the army. Only the son of the old man was excluded, because he was injured. Once again the people gathered around the old man, crying and screaming because their sons had been taken. There was little chance that they would return. The enemy was strong, and the war would be a losing struggle. They would never see their sons again.

“You were right, old man,” they wept. “God knows you were right. This proves it. Your son’s accident was a blessing. His legs may be broken, but at least he is with you. Our sons are gone forever.”

The old man spoke again. “It is impossible to talk with you. You always draw conclusions. No one knows. Say only this: Your sons had to go to war, and mine did not. No one knows if it is a blessing or a curse. No one is wise enough to know. Only God knows.”

The old man was right.
We only have a fragment. Life’s mishaps and horrors are only a page out of a grand book. We must be slow about drawing conclusions. We must reserve judgment on life’s storms until we know the whole story.

I don’t know where the woodcutter learned his patience. Perhaps from another woodcutter in Galilee. For it was the Carpenter who said it best:

“Do not worry about tomorrow, for tomorrow will worry about itself.” (Matt. 6:34)

He should know. He is the Author of our story. And he has already written the final chapter.

From In the Eye of the Storm
Copyright (Thomas Nelson, 1997) Max Lucado


***

About Envy

Here is an article I copied from Kerygma Mailing List this morning:

When others are blessed, we’re likely to be jealous, unconsciously thinking that they’re getting something that could possibly be ours. For example, when someone gets a promotion at work, instead of rejoicing with that person, you’ll hear others say that corporate patronage was behind the move.

But God’s blessing is for all. It’s like the Niagara Falls with its mighty water rushing to the bottom. The water travels upstream first before it flows downstream but it eventually reaches its destination. Its falls generates so much mist that it projects a number of rainbows. Like the waters of Niagara, God’s blessings may seem to reach others first.

We just have to stay thankful and faithful even as we persevere in claiming His promises. And just as the rainbow is a symbol of God’s covenant with His people (Genesis 3), He is faithful in keeping His promises to us.

Reflection: Do you always feel that the neighbour next door or your co-worker is being blessed more often than you?

Pray: Lord, give me a thankful heart that I may realize that You always provide for what I need.

Envy is a horrible sin. Saul envies the success of David even though it is obvious to everyone that his success was due to the hand of God achieving victory over Goliath.

Francis of Assisi gives us something to consider about envy when he says he thinks it is a sin against the Holy Spirit. Why?

He sees envy as the direct refusal of a person to rejoice in the way the Holy Spirit has chosen to work through another person.

This has been happening to me lately. I must be honest that sometimes I secretly jealous / envy towards some of my friends who seem richly blessed and already got good things that I have been wishing for since a long time ago… I failed to recognize God’s great blessings in my life and my family. I repent for that…

Thank You for correcting me God…
I’m not a sin’s servant anymore.
I want to keep walking in Your path and keep the freedom You have given me…

Dead End? Find a New Way

Today I'm experiencing a dead end on something I've been working on for these past 2,5 months. Yep, right in the 3rd day before the new year. Unexpected present? Maybe... But because of it I got something to write on this blog :)

When I knew what had happened today, I realized that I have 2 options, to regret and being skeptical, or to see it as an opportunity to start all over again, to have a new beginning (which is should be an improved one since I have gained more knowledge than what I had when I started for the first time). I chose the later :)

Suddenly I think about another area of my life that had found a kinda similar dead end. Unfortunately, I haven't made a good choice on this. Because since that happened, I have been skeptical. I hope for a new opportunity, but deep inside I didn't believe that hope. I doubted that I will find and walk in a bright new path.

I know this is must be God's way to wake me up :) I have to make my decision right now, before the 2009 ends... Maybe He wants to open the new road for me in that area in 2010 :) I'm just hoping :p Thank You God ^.^

Follow Me on Twitter

Yup! Many bloggers have converted to tweeple (twitter people) now.
Lately since I'm on Twalk I also become one of them :p

So if any of you wondering why I don't update this blog as much as before, that's because I spend my time more on Twitter now. I know, for most Indonesian, Twitter hasn't won over Facebook. Plus, many people still think that Twitter is just for updating status (like updating status on facebook). They haven't experienced Twitter as a place to share massive information and to get in touch so much easier with other people from all around the world in real time. But it's already so popular out there because of it's features. Simple but powerful :p

I will be very very happy if my friends start using Twitter instead of just Facebook :p

I hope there will be more and more Indonesian actively use Twitter in 2010 :p

If you already have Twitter account, then you can follow me @fifisunari
If you don't have Twitter account, then what are you waiting for? Go and make one :)

God's Way Is Right

(by Max Lucado)

"When you pass through the waters, I will be with you; and through the rivers, they will not overflow you." Isaiah 43:2-3 NASB

God knows what is best. No struggle will come your way apart from His purpose, presence, and permission. What encouragement this brings!

You are never the victim of nature or the prey of fate. Chance is eliminated. You are more than a weather vane whipped about by the winds of fortune. Would God truly abandon you to the whims of drug-crazed thieves, greedy corporate raiders, or evil leaders?
Perish the thought!

We live beneath the protective palm of a sovereign King who superintends every circumstance of our lives and delights in doing us good.

Nothing comes your way that has not first passed through the filter of his love.

Updating

It's been a long time...
I don't write a lot lately because I'm learning on something.

Sometimes I really want to relax, just enjoy a hot chocolate milk in the morning (I'm not a coffee lover :p) and writing post on my blog. But my days recently quite busy.

I'm not complaining though, it's fun to learn new things, to walk on a journey (success is a journey rite? :p) I just want to give this quick update to let you know that I'm still alive and online :p

Okay, just that.
This is definitely the shortest post I've ever made :)
I have to work on my office's tasks now. Bye and take care :)

Confession and Conclusion :p

Okay, I admit, today I got my mind screwed up with
jealousy and self pity. It all started when I found out that some of
my friends and also some people I don't really know got more $ than me
in 2 online areas. One from the program I'm working on and another
from a program in Facebook application.

I felt that no matter how hard I learn and give my best efforts (well
at least I'm doing as much as I can) I still can't get good results.
Other people who don't do it the hard way seem to get great results
easier. It might a bit similar with the parable of the workers in the
vineyard on Matthew 20:1-16. Only to me it felt like I'm the only one
who get the least among all (too dramatic isn't it? :p). The rest... I
had to confess to Him that I thought He is not being fair to me :p I
know it's not true, I was just being honest with what I was thinking
to Him.

You see, I have a habit to pour out my troubled mind and mixed
feelings first so I can think more clearly. So I wrote a post on my
private blog (no one knows and no one can see it except me :p). And
after I got home from office I read these scriptures:

"For God did not give us a spirit of timidity, but a spirit of power,
of love, and of self-discipline." (2Timothy 1:7)

Strike one. The comparison I did and those self pity thoughts had made
me discouraged. Actually all I need to do is just try again,
experimenting, and re-focus.

"Reflect on what I am saying, for The Lord will give you insight into
all this." (2Timothy 2:7)

Strike two. He gives me a new hope and promise, He will guide me all
along, just like He always do.

"People will be lovers of themselves, lovers of money..." (2Timothy
3:2 - "Godlessness in the Last Days")

He protects me from being one of them, lovers of money... I guess
that's why He didn't let me to get big amount of money fast. So I can
slow down, be patient meanwhile keep the perseverance to do my best
efforts. It's true because last night I had a dream about getting $$$
from the program I'm doing hahaha... It's a sign that it had gotten
too much of my attention :p

"All Scripture is God-breathed and is useful for teaching, rebuking,
correcting, and training in righteousness, so that the man of God may
be thoroughly equipped for every good work." (2Timothy 3:16-17)

The last is a conclusion :)
He created me for a purpose, and He is equipping me so that I can do
every good work in righteousness. Amen for that :)

God Does Big Things with Small Deeds

(by Max Lucado)
“Do not despise these small beginnings, for the LORD rejoices to see the work begin”
(Zech. 4:10 NLT).

Begin.
Just begin!

What seems small to you might be huge to someone else.

Just ask Bohn Fawkes. During World War II, he piloted a B-17. On one mission he sustained flak from Nazi antiaircraft guns. Even though his gas tanks were hit, the plane did not explode, and Fawkes was able to land the plane.

On the morning following the raid, Fawkes asked his crew chief for the German shell. He wanted to keep a souvenir of his incredible good fortune. The crew chief explained that not just one but eleven shells had been found in the gas tanks, none of which had exploded.

Technicians opened the missiles and found them void of explosive charge. They were clean and harmless and with one exception, empty. The exception contained a carefully rolled piece of paper. On it a message had been scrawled in the Czech language. Translated, the note read: “This is all we can do for you now.”

A courageous assembly-line worker was disarming bombs and scribbled the note. He couldn’t end the war, but he could save one plane. He couldn’t do everything, but he could do something. So he did it.

God does big things with small deeds.

Against a towering giant, a brook pebble seems futile. But God used it to topple Goliath. Compared to the tithes of the wealthy, a widow’s coins seem puny. But Jesus used them to inspire us. And in contrast with sophisticated priests and powerful Roman rulers, a cross-suspended carpenter seemed nothing but a waste of life. Few Jewish leaders mourned his death. Only a handful of friends buried his body. The people turned their attention back to the temple. Why not?

What power does a buried rabbi have? We know the answer. Mustard-seed and leaven-lump power. Power to tear away death rags and push away death rocks. Power to change history.

In the hands of God, small seeds grow into sheltering trees. Tiny leaven expands into nourishing loaves.

Small deeds can change the world. Sow the mustard seed. Bury the leaven lump. Make the call. Write the check. Organize the committee.

A Love Worth Giving

Moses had a staff.
David had a sling.
Samson had a jawbone.
Rahab had a string.
Mary had some ointment.
Aaron had a rod.
Dorcas had a needle.
All were used by God.
What do you have?

God inhabits the tiny seed, empowers the tiny deed.
He cures the common life by giving no common life, by offering no common gifts.

Don’t discount the smallness of your deeds.

Making New Priorities

To make a change, especially a significant change, we need to change our habits and start making new priorities. Either we realize it or not, we often "automatically" doing our daily activities based on priorities we have in our mind. Those priorities become unconciously stronger because we do it over an over again.

That's why it is very important to stop for a while and assess your memories, write down what you do in daily basis (or weekly) and your habits (or repeated reaction towards certain situations), and how many hours you spend for each activity.

We can know our priorities based on things we do, not based on what we think we should have. For example, an extreme one, if you spend almost a day on your job (exclude sleeping time) and only have 1 hour to communicate with your family, then it is obvious that your job is your number one priority.

This is what I'm doing now... I'm trying to renew my priorities since I want to make a significant change. It is not as easy as it says, but I really need to do this. :-) I'm inspired from Shaun Stenning's blog :-)
   

Obat Jerawat + Seminar

Tadi dikasih tahu ce Iin soal obat jerawat yang dulu adiknya pake, dia beli online. Ce Iin pake pas jerawatan belakangan ini keringnya cepet. Ko Lung juga pake 'n cepet sembuh. Akhirnya googling deh, nemu jualannya di Forum Kaskus. Aku telpon ce Iin buat mastiin, ternyata bener adiknya dulu juga beli di Kaskus ama Seller itu. Yaudah langsung deh aku sms, transfer 'n konfirm. Hopefully this is the right (and last) solution to my acne ^.^

Abis baca testi-testi di thread-nya banyak yang tokcer juga. Malah ada yang udah perawatan ke dokter 'n juga facial-facial segala ga ngefek, pake obat ini ngefek. Jadi pengen cepetan pake hehehe... Secara ni udah lama banget ditelateni pake obat jerawat La Tulipe sama bedak dingin kok ga ilang-ilang, padahal makan juga biasa aja ga banyak lemak, plus sejak jerawatan parah juga udah stop minum susu (sebelumnya rutin minum susu tiap hari). Harus Sembuh!!! Harus balik mulus kayak semula!!! Hehehe...

Besok lumayan bisa bangun siangan hehehe... sama sekalian mau olahraga ah dah lama ga olahraga... Aku cuti 3 hari, ikutan seminar GIS. Besok (hari pertama seminar) itu acaranya jam 6 sore sampe 9 malem. Aku sengaja cuti mulai besok biar bisa siap-siap, jadi ntar datengnya lebih awal, secara aku juga blom pernah masuk ke tempat seminar itu. Trus Selasa ama Rabu-nya seminarnya seharian, dari jam 9 pagi sampe jam 5 sore.

What Would You Do If...

What would you do if you don't have to worry about money?

That question above I got from Dan Miller's Official Blog. Yup, he is the author of "No More Mondays".

I would answer that if  don't have to worry about money, I want to:
- spend more time with my family (teaching my dad and my mom about computer and how to use internet, traveling with my mom -she likes to go around and see new things, cooking cakes/cookies with my mom, cooking meals with my dad, etc)
- make a website/blog contains motivational + Christianity posts that will encourage people everywhere to be their best and to get intimate with God and also to be confident with themselves (within their uniqueness, quirks, differences)
- try new things and experimenting freely
- doing things that can make other people also be financially free (maybe by having passive income or own a business) so that they can do works that suitable with their passion and talents.

Here's some of related posting in his blog:
- I Stopped Dreaming Long Ago
- Does Everyone Have Passion?
- I'm Not Normal
- Eat, Drink and Be Merry
- Business Plan Guide - This is just for my bookmark (I think I might need it)

I see that a lot of people stop dreaming, they seem don't have many choices except just work to get money. Some of them quite enjoy their job (though at some points they still want to explore and enhance their gifts), some of them don't enjoy their work (just doing it because it's the only way they can get a living), some of them are wondering what is exactly they doing right now at their current place.

Belajar Sabar

Sigh...
Iya... Gatau kenapa di tempat kerjaku yang baru ini aku kok gampang banget tergoda buat ngomel 'n ngeluh T_T
Kadang hal-hal sepele aja bisa bikin aku langsung bete T_T
Aku juga kadang jadi mikir kenapa aku berubah degradasi kayak gini yah T_T
Why oh Why...

Mungkin karna tempat kerjaku yang lama serba teratur, semua udah ada jalurnya, lebih kompak se-departemen... Masalah 'n tantangan siy ada, cuman mungkin karna sistemnya udah teratur 'n orang-orangnya juga bisa saling kerjasama dengan lumayan enak, jadinya ga ada gangguan emosional hehehe... Dan tempat kerja yang sekarang terasa ga jelas...

Yea I know, I shouldn't comparing...

It's Going To Be Ok. Keep On Going!

The major difference between average people and achieving people is their perspective of and response to failure. In other words, how I see failure going in, how I respond to failure coming out. Now, we want learn three lesson about it!



Lesson no 1
I have also discovered about failure and problems that our perspective changes tremendously if it is someone else's problem with failure, versus my problem for failure. It's the old joke, major surgery, minor surgery. You know minor surgery is when it's on you and major surgery is when it's on me.
My dad loves to tell this joke about two men who were talking. 


One guy says, "I lost my job."
The other guy says, "Well, it could be worse."
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