Dream, Make a Wish, and Act on It

To dream is to wish, to wish is to set a goal for yourself of what you, no body else, but what you want to be doing or become at some point in your life. No matter who you are, where you are from, or what you are, you too can dream, you too can make a wish, and set a goal for yourself, whatever that might be, and act on it. You can’t just dream and make a wish, you have to act on it, and do whatever it takes to make it happen.

Just sit back for a minute, and ask yourself; what is it that you really want in your life? What is it that you need to do in order to get what you want? What does it take and how long will it take for you to get it? Then make a move; go get it.

The only difference between you and the guy next door who is living his dream, the guy who you be starring at, dissing and hating, it’s because he did whatever needed to make his dream and wish come true, while you haven’t. You simply sat back and watch it go by, you got lazy, you got scared to go out there and make it happen.

Don’t stop dreaming, but don’t just dream and wish for things to automatically happen for you the way you want them, you have to do whatever it takes to make it happen. No body else can do it for you but you.

You only get one chance in life, so make every minute count!

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Economic 101 for the Health Care Reform With a Public Option

Having a Government’s Healthcare with a Public Option as proposed by President Obama will likely cause to bring down and lower your monthly health insurance premium to as little as $25 a month for a full healthcare coverage including dental.

This is how it will work. As it has been reported (see CNN.com) that the premium cost for the proposed Government’s Healthcare with a Public Option will be about 10% – 20% less than the monthly premium fees that you currently pay each month, for your private health insurance coverage.

Currently, private insurance companies charge high premium fees as driven by their need for profit. They do so because they simply have no competition which can help reduce their premium fees and improve your health care needs and benefits. However, with the proposed Health Care Reform with a Public Option, it will help create competition for the health insurance companies, and that’s the only way that health insurance companies may reduce your monthly premium.

Let’s say you currently pay about $165 a month for your health insurance, not including your dental plan, and the proposed Government’s Public Option is 10% less than what you pay now. In order for health insurance companies to continue growing and retaining customers, they will try to match the Government’s Public Option premium fees. And as health insurance companies lower their premium fees, so will the government’s public option.

This graph image is from an unlikely source as noted, but it hits the point

I copied this graph image from an unlikely source as noted, but it hits the point that I'm defining.

The Government’s Public Option premium fees will keep going down as private health insurance companies try to match the government’s public option, until the price comes down to a neutrality (equilibrium) level, where the costs of your healthcare equals your healthcare benefits.

In the end, you may end up paying as little as $25 each month, in health insurance premium, for quality healthcare, and if you end up getting sick, for whatever the case might be, you’ll never have to suffer because of additional out of pocket money you would need to pay for your medical care. And you certainly won’t have to go broke just because you’re sick, and you won’t have to hurt or even die, just because you don’t have health insurance.

You will also have a chance to switch to any healthcare insurance coverage without ever losing your current healthcare benefits. And your existing medical needs or illness will not be the case for any insurance company to deny you the coverage you need just because of your existing illness.

As we all know, that 30% of every dollar you spend on your healthcare premium is spent on medical administrative costs, and probably about 40% of every dollar you spend is spent towards the salaries and wages for the doctors and medical professionals, and only about 30% of every dollar you spend on your health insurance goes towards your medical needs. What the proposed healthcare reform with public option will do is make medical care providers to reduce their excessive costs and give you more healthcare benefits, as they too will have to compete for your business, because the government public option will give you more choices and options to where you go to get treatment for your healthcare needs.

And as the President outlined it last night in his speech, whether you are self employed, business owner or have your own health insurance coverage with whomever you have previously chosen, the proposed Healthcare Reform with Public Option will not make you give up your current health insurance coverage. You can keep what you already have or shop for a better health insurance coverage since health insurance premiums will severely go down. This basically gives you more choices and better options of what you do with your own healthcare needs.

America is becoming polarized so much that loyalty to one’s political affiliation is so important and more relevant than the general needs for the Americans. Even if a certain issue may cause potential danger or even death, party loyalties may not even care if the solution was initiated by the opposite isle of the chamber. And the public elected officials in Washington always seem to forget why or how they got there in the first place, but they are not thinking that there comes a time when the consumers will once again have a chance to decide who to send to Washington, someone who can honestly work on their behalf, and not on the behalf of special interests and lobbyists.

Just because a certain bill, which may be deemed to actually benefit the consumers was initialed by a member of a political party doesn’t mean that the opposite party members shouldn’t support it, just because they feel too loyal and too good for their own party.

Sometimes putting political party differences aside and focusing on what the American people actually need may serve best for everyone, even those who feel otherwise. Just because you feel like you are well off or if a certain issue doesn’t affect you or benefit you, that doesn’t mean that everyone else feels the same.

The majority of people are not as well off as what you are, thus sometimes we just need to think about how or what other people are going through, and show them more compassion as much as you’d want them to show you.

LinkedIn, the Perfect Acquisition for Yahoo!, AOL, Facebook, or Microsoft?

Why hasn’t Microsoft or Yahoo, not Google, acquired LinkedIn yet? The struggling AOL could benefit from buying LinkedIn too. LinkedIn is a good target right now. Facebook could be a perfect fit for LinkedIn too, just not Google. Google and LinkedIn would be like butter and water, just won’t make a good mix, but its 40+ million professional users could add more value to AOL (as long as AOL changes its name and rebrands) or Facebook (especially if Facebook does an IPO this year), than is for Yahoo! or Microsoft. Facebook will benefit more from LinkedIn, due to LinkedIn’s solid business model of paid fees for value-added membership services for professionals.

Welated, a Social App for Social Networks

Welated for iPhonesIn July, I launched Wrisen, a social app for social networks on Facebook, which has so far received great, rave review, and it’s growing faster than I’ve expected.

We’re currently working to launch a full version of the Welated site at the end of August, but the exciting news is about our new social app version of Welated for social networks and iPhone which we are also launching towards the end of August.

We will first launch the Welated app for social networks, specifically for Facebook, and then follow up with the iPhone version.

Welated is a service that alerts users instantly any time their mates cheat on them with anyone, anyplace, anywhere.

Check out Wrisen at http://www.wrisen.com and Welated at http://www.welated.com.

Obituaries and Memorial Services Going Social Networking

For years, families and friends have traditionally mourned their loved ones in private settings, mostly enclosed only to those who were relatively close to the deceased person. However, as social networks are becoming more of the everyday living for many people around the world, so as online social memorial services, where families and friends are able to easily memorialize and eulogize their deceased loved ones, cohorts, and even pets.

Social networks such as Facebook and MySpace have seen a high rise in group pages created by fans, friends, and families of the deceased loved ones. In June 2009, a group page that was created to eulogize the King of Pop, Michael Jackson, has seen an overnight sky-rocketing of more than 7 million fans from around the world in just two days, making it the largest group page on Facebook.

In recent years, a few memorial web sites, such as Tributes.com (http://www.tributes.com), have sprouted up, geared to capture a niche market for online obituaries and memorial service. These web sites offer several online services, including obituary news, information, and funeral announcements.

A simple and free social application for social networks, Wrisen.com (http://apps.facebook.com/wrisenbook), was launched on Tuesday this week, which offers users to best remember, honor and cherish their loved ones. Unlike many other social apps and web sites, Wrisen offers a new view for friends and families to eulogize their loved ones and pets. While Tributes.com is becoming a hub for obituary news and information, Wrisen is instantly becoming the central hub for social eulogy, where families and friends can upload and share photos and videos for their loved ones, post condolences and comments on their loved ones’ profiles on Wrisen.

“I am from South Africa and currently I’m a student at Franklin Univeristy here in Columbus. Two days ago, my uncle unexpectedly passed away in a car accident, but I don’t have money to go home for the funeral. Most of my family members are on Facebook and I told them to add Wrisen to their profiles so we can share and exchange our sorrow and mourn our uncle. Even though I am here and they are there, I still feel as though I am with them, in the same room, because with Wrisen, we are able to share our grief in real-time.” Cries Mfeko.

Each time someone posts a photo, video, comment, eulogy, or a condolence on any profile on Wrisen, then it’s instantly distributed and posted on every Facebook friends’ homepages. In the process, the Wrisen system allows users to share memories and exchange sympathies with everyone in their friends’ list, which may help make them feel a little better.

Most of us everywhere, have lost some members of our family, relatives, friends, and or those we knew, or simply admired, and the more people you may have sharing condolences with you, the better you may feel, even if it’s just a little.

“What we’re doing is building Wrisen as a platform for families and friends to easily share and comfort each other with everyone else in the world. So that they can have a free place not only to grieve, but to remember, honor and cherish their loved ones forever.” Claims Timothy Sweatte, Wrisen’s VP of Marketing.

Wrisen.com, a Social App to Help You Remember, Honor, and Cherish Your Loved Ones

Wrisen LogoWrisen (www.wrisen.com) was launched on July 27, 2009, and it’s live now exclusively on Facebook at http://apps.facebook.com/wrisenbook. Wrisen, a social app for social networks lets you easily create profiles for all your loved ones, post and share eulogies and condolences, upload their pictures, videos, and memorial gifts.

Wrisen enables you to share sympathy about your loved ones with your all friends and family members on Facebook.

The application is a Facebook-like by itself within Facebook, it’s free, easy and simple to use, and each eulogy, condolence or comment posted on any profile and on the profile wall is instantly distributed and shared among all your Facebook friends.

You can basically create and post a profile for any person or pet that you may have admired and adored. It could be anyone from the past, such as Princess Diana, Gandhi or anyone you want to eulogize.

Wrisen is a cool social application that I created to help make social network users feel better and forever remember their passed loved ones.

Try it out and please let me know what you think about it.

A Success Story: Guided by an Angel

I grew up on a farm with my mom. My dad always lived in a city where he worked and only came home rarely, on weekends, not every weekend, but may be twice a year. I was the oldest male-child in the house, after my older brother went in exile and joined SWAPO, a political organization that fought to liberate Namibia from the South African apartheid government.

Since I was the oldest son left at home, with two of my young brothers and youngest, baby sister, and my mom, I had to take on the tasks, which were generally handled by adult males, usually the fathers, the heads of household. Tasks such as plowing the field during the rainy season, looking after our farm animals, and simply maintaining the exterior and interior structure of the house and the sprawling, long and high, fence that covered our farm of more than 75,000 acres of land.

These kinds of tasks had to be dealt with constantly on a daily basis, every day of the week. And since I was just a little boy, in addition to helping my mom at home with all these tasks, I also had to go to school and keep up with my homework and study. Most parents then discouraged their children from going to school, so they could stay at home and work. However, I had and still have a wonderful, the best mom, not only that she never asked me to stay out of school, she actually helped me study. She actually taught me how to read, even before I started school. For all of us, her children, to get an education was her first priority.

In order to stay on top of all the household chores and school homework, I made a deal with my mom. That we’d go to school three days a week, and stay to work at home on Tuesdays, Thursdays, and Saturdays. On the days we had to go to school, we would get up at five in the morning, and work in the field before leaving for school. And then after school, we would go to work in the field some more and attend to our farm animals.

That was my daily life, everyday of each week, except on Sundays when we had to go to church and rest up. In my whole neighborhood, I was one of the very few kids who went and stayed in school. Most of them stayed at home, and probably never even passed standard 5, let alone finish school.

In primary (elementary) school, I was smart, but not the smartest kid. Luckily, there was this girl in my first grade class, standard one. Her name was Katalina Asino, and she was so beautiful. She was so beautiful that she took my breath away each time I looked at her. I have to say now that I had fallen in love with her the very first time I laid my eyes on her on the first day of class. However, Katalina didn’t come from my neighborhood but from the opposite side of our school. I was from the east side and she was from the west side of the school. So, the only time I could get to see her was if I had gone to school.

Not only that Katalina was the most beautiful girl in the whole school, she was also the smartest kid in class. I immediately befriended her, the very first day of school, the very same day I met her in class. However, if I had to be her friend, or maybe I could now say, her boyfriend then, then I’d have to be smart like her as well. So I had to push myself harder, study harder, just so I could keep up with her in class, and still be able to play together outside of the class, during the school recess.

At home, when I was not at school, I missed her a lot, and so I had to talk to my mom about me going to school every school day, instead of just a few days a week. Basically so I could see Katalina. Of course I didn’t tell my mom why I really wanted to go to school every day, but my mom perfectly understood the need to be at school every day regardless of the never ending house chores. So, she let me go to school five days a week, but so as long as we would work on our farm before and after class.

At school, I was able to see Katalina every school day, but I was also able to keep up with her academically. That was the whole thing about being her friend. It wouldn’t have looked good to be her friend and not be smart. Because in quizzes and tests, so as in the exams, Katalina was always the first student and I was second in class. There has been times that I was also either the first and she was second. It was beautiful. I was able to do my chores at home and be the second best student at school.

Times went on like that for years until we got in standard four (grade six). We had also gotten a bit older, and Katalina started looking and talking to other boys, other than just me. And when she did, her school work started to slack too, to the point that she barely passed standard four. In standard five, she was slacking far behind. We weren’t even talking as best friends by then, as she was seeing and dating another guy, Gottlieb, who was one of my best friends. I was devastated when Katalina and I were no longer friends. I couldn’t sleep at times at home, nor could I do anything else, because my mind and thoughts were about Katalina. I wrote her several love letters and most times, she would throw them away, letting the whole school read them. That had hurt me so much that I felt like quitting school. But I never did, because I am not and have never given up on anything that I’ve wanted in my life, and at that time school became my only priority.

Gottlieb knew that Katalina was my girl, and he would tell me about all the fun things they’d be doing, him and Katalina, just to shove it in my face and then laugh at me, which to him was just a big joke, but to me, even if I didn’t show it, deep down inside of me, I was horrified. However, instead of looking down on myself, I lifted my head up high and I studied hard, more than ever. Standard five (grade seven) was and may still be one of the hardest classes in Namibia and South Africa. Most students in Namibia back then never even passed it. Also, most of my classmates in standard five were repeaters, those who were taking it over. Some students were repeating it for their 3rd or 4th times.

While Katalina was struggling with the rest of the majority of the class, I was thriving. I made up my mind that I would not flunk the class and especially that Katalina was not talking to me, I had to show her that I was the best man for her, that I was smart, and not only that, I played soccer, was on school soccer team, and cross country. In my mind, that’s all I had gotten used to, getting A’s and B’s in any class at that time. Even though Katalina and I were no longer best friends, I couldn’t let myself get any grades less than A’s and B’s.

At the end of the year, after the final exams, I was only one of the 3 students who passed standard 5, out of more than 40 students in our class. Two of those students were repeaters. Katalina and Gottlieb both flunk the class, they stayed behind, and I moved on to a secondary (high) school at Iipumbu Secondary School, then to Jacob Marengo Tutorial College.

I believe that certain things happen for very good reasons, and that Katalina was my angel, purposely sent by God to help me with my early years of school, she was the main reason for me to go to school and study hard in order for me to pass all my primary classes. If it was not for her, I don’t think that I would have been able to pass my classes with A’s, let alone go to and stay in school. I’d have ended up just like some or maybe, most of the students in Namibia who never even finished standard five. So, if I could go back in time at my primary school days with Katalina, my true guided angel, then I would try to encourage and make her realize how silly it was to give up on something so important, education, instead of just focusing on some other things, especially boys, some who may not have had her best interest.

At home, there were never days that we went to bed hungry. My mom and I worked very hard to keep our house afloat, and it was one of the best fields produced in the area. We produced lots of food products, from corn, watermelons, black-eye peas, peanuts, rye and more. At the same time, my older sister Jenny, whom I’m forever indebted to, was working for the Retail Magnate, Mr. Aupa Indongo at Continental #1, so she was able to financially support the whole family and my school fees. Thus we were very well off compare to other families, and, in addition, we were never hungry and were never in need of anything. I was able to comfortably help my mom and work at home, in our farm, while maintaining good grades at school. This was and still is an achievement I will always alone cherish. And it didn’t go unnoticed, because when I left for the secondary school, I was told that most parents in the area were pushing their children to go to school so they could one day be like me.

Excelling in school, while at the same time helping my mom at home, just made me feel very proud of myself. Thanks to my mom who never stopped me from going to school, even when most other parents wouldn’t let their kids go to school every day or even some days in the week as I did.

A few years ago, I tried to find out what had happened with my God given angel, Katalina and to my great sadness; I was informed that she might have died of AIDS. And, that just sadness me more, because I never even kissed her, and mostly, I never had a chance to say thank you to her for helping me realize my academic potential early in primary school and for helping me go to school every day and passed all my classes with high grades.

Angels come in many different ways, shapes, and forms. She or he might be the guy next door, or perhaps someone who tried to talk to you in the hallway or street the other day, or may be the person who was standing on the corner begging for some change, but you’ve ignored him, or perhaps, your best friend who tried to warn you about a mistake that you were about to make.

Angels come in many different ways, forms, and shapes. Try to explore and discover yours, and try to listen to him or her. You may just make the right decision as I did, by going to school and finish my primary school education, and eventually college – which is the best thing that I’ve ever done in my life. Now, I’m going to pursue my MBA at INSEAD and PhD in Economics at Harvard University, with focus on Economic Development, Macro and Political Economics.