I woke up on Sunday Morning and my son busted into my room, his little wet body shivering, wrapped in a towel saying, “daddy where are my clothes.” I woke up from my sleep as I heard the door open and half way surprised asked him, “Did you already take a shower?” Both of us were proud as I told him to go back downstairs and find some underwear!
Wow….only six years ago I was changing pampers on him and his twin brother. Most of us do this but when did you last think about how much time changes things? Seasons are in and out seemingly faster as we age, almost as if seconds tic faster on the clock nowadays.
Time isn’t waiting for you is it? Nope, so what are you waiting for. Opportunity is telling you to find it while other opportunities are finding you. Open your eyes and see the chance to do something you haven’t done yet. Change!
For too long, my days became so routine and predictable that I could feel the need to change in my heart, soul, even in my bones. Change is calling you out! When you are feeling that there has to be more, like you have to do better and you sense there is more for me than this. This feeling of unsettling is a call to change.
Why? Because purpose and destiny are on the line! Who you become, who you are becoming depends on the steps you are taking to improve, develop, build, learn and grow. You don’t have time to waste or to procrastinate. The Almighty Phrase “I’ll do it tomorrow” or “I’ll start on Monday” is a life snooze that will put your late for you appointment with purpose. Don’t WAIT!
Start the business, ask her to marry you, set up the budget, get your Credit fixed, go to the beach, read the book, take the classes, apply for the grant, build the church, move to the other state, MAKE A POWER MOVE and watch God be faithful when you act in faith!!
Aquila T Carmon
Here are a few reasons to have good credit:
1. To purchase a home you will need to be approved for a mortgage and acquire a suitable interest rate.
Many people have made a long list of things they will need to purchase a home but in making this list do not forget to add good credit to the list. The lender will need to verify that you will be a responsible borrower before approving you for such a large and long contract.
2. To save money on purchases by being offered lower interest rates.
Having good credit will determine whether a car loan has a 5% interest rate or a 28% interest rate. During my time in the financial industry I have seen cars drive away with both. Repair your credit to avoid the latter percentage rate.
3. To receive lower insurance rates
Insurance companies will check your insurance score and partially base your insurance rate your Credit score also know as you FICO score. This score is compatible to your credit score. The lower the score, the higher the rates.
4. To be considered for employment for employers that use credit reports as a part of their background check.
Employers use a credit report to judge your ability to make sound decisions. They want to get an idea of how you manage something that should be highly important and determine if they can trust you with it or maybe even around it, money that is. If your credit report is more negative than positive that doesn’t give them a good sign.
5. For some reason you don’t have the cash needed on hand, you have the ability to borrow at a reasonable amount of interest that will allow you to pay back the loan quicker. You just never really know when life will happen. Hopefully you have an emergency fund or you are working on saving it up. But it’s always good to have options in place.
Aquila T Carmon
Get your credit repaired today:Contact me at (919)904-6960
There are quite a few principles that drive us in the direction of progress and success in our lives. It’s wise to reflect and see if we are putting those principles in place. Today I’ll share five of those values with you that caused a huge difference in my life and catapulted me from literally a place of depression and distraction to determination and desire for greater achievement. These principles are relevant for spiritual, financial, career and personal growth. Let’s jump into it.
The first one is PRAYER. What is one of the secrets of having great focus? Having direction! Having a really good sense of destination sets our sails on course for an amazing and purposeful journey. Like any journey though, Inevitably, we get lost or sometimes even lose ourselves. Prayer brings us back to a proper head-space, heart-place. Prayer keep us grounded and in connection with God. Praying for God’s guidance, strength and peace essentially aligns us with God’s will through our convictions, His grace and gives us clarity even through the clouded and crowded times. Jesus spent hours praying because He understood that not only external but also his internal needs came from a Spiritual source, His Father in Heaven. It is wise to consult with the Lord about where we are headed and what we should accomplish before consulting with men. God knows the ultimate purpose for our lives and there could be unnecessary frustration when we allow our intentions to supersede God’s divine direction for our life.
The second is PERSPECTIVE. How do you see where you are? We should see our challenges like a weight lifter sees a weight that is too heavy and consider how we will build up to clearing that weight. Problems can make us better problem solvers, trouble can build patience, tragedy can push us closer to our Source of strength, pain builds our ability to endure greater pains, hurt and broken trust wises us up. You get the idea. Don’t see a wall as a wall, but a teaching objective that will force you to reach, stretch and think more critically or trust God more consistently. See your problems from the perspective of every problem has a solution. Remember that God will never put more on you than you can bear.
Next is PLANNING. Yes, strategy is vital in this game of life. I hear you….” Things never go as planned” I’ll say that is True and False. The wrong perspective may tell you this, simply because the whole plan didn’t go as planned. Get this. If you create a plan to meet your goals and only 10% of your plan worked out, then the plan is working because the plan was really to make progress. A plan is a safeguard. It’s like putting the bumper rails up at the bowling alley to keep you from rolling a gutter ball. Planning may not get you a strike, but it should at least help get you some points on the scorecard.
Fourth is PERSEVERANCE. The ability to move forward when you are ready to quit. Perseverance is the internal characteristic that you can train yourself to put in action. Deciding to walk when you cannot run, crawl when you cannot walk and stopping only to catch your breath, to re-strategize, to pray, to reflect on your perspective but never stopping because you quit.
Lastly to Acknowledge and Celebrate PROGRESS. Seeing and realizing that even though this was small progress that this is a BIG moment. If your plan in laid out and you have made progress toward that goal, then you must realize within every goal is the goal of making progress. If your church didn’t grow by 20 members but it grew by five, celebrate the progress. If your business income didn’t grow by $5,000 but it grew by $1,000, celebrate the progress.
Remember that “The race is not given to the swift but to those who endure to the end.” Your life doesn’t need to be in competition with anyone else. So, kill all those comparisons and work towards your goals. Stay focused, stay positive, plan every aspect of your life and Celebrate along the way.
There is Hope,
Aquila T Carmon
One of the first things that really attracted me to God was the opportunity to bring my life to him while I stood in a state of hopelessness and in a condition that others would not accept me in. It attracted me to him because even though I had sung all my life about amazing grace it isn’t until you really need it and try it that you realize wow, this grace of God’s really is amazing.
When I gave my life to God sixteen years ago, I was broken, hurt, broken-hearted, failed everything I’d tried at life so far. I had just lost my job, my license, car broke down, with drugs parading around in my system and the first three things all happened in one day. I was in a hard place, a place of depression, desperation and decision.
I needed something, someone or both. Honestly, I had no friend that was able to deal with the weight of my heart, thoughts or emotions. Even If they did understand, people don’t really have what you need when your life seems to be a walking tragedy. I’ve always found it to be a true statement that it is difficult to find mercy with people. Whether it be the mercy that will urge giving or the mercy that allow forgiving. Truly, what’s needed when waves are crashing into our ship while sailing in deep waters is God and His grace.
Ah, Grace, unmerited favor, mercy, compassion and acceptance that can be shown but not even noticed. I wonder if you’ve ever missed the opportunity to thank God for grace because you didn’t see it. Many of us think that grace is just for the saints, covering us as we make mistakes. But listen, grace is so much more. God uses grace as a means to influence, lead, change and alter the condition and direction of our hearts. Grace is a heart influencer that chases us down and finds us when we are lost. The Word of God says that grace “bounds towards me.” Yes, it finds us in times of need, justifies us and “through grace we are saved” by faith. Ephesians 2:8
I’ve found during my walk with Christ there are 3 places God’s grace meets us. Not the only 3 places but the ones I’d like to share with you today.
The First place we meet God’s grace is in A Place of Sacrifice. A place where we make it no longer about us but like David in Psalm 51:10 simply desire a clean heart. The sacrifice where we realize our desires may be of flesh and not spirit, so we then seek after God’s righteousness and abandon our own selfish agendas. Oswald chambers wrote “purity in God’s children is not the outcome of obedience to His law but the result of the spiritual work of His grace.” We become righteous by giving God full permission to work in us and work those things out of us that are not like him, without resistance to his leading. We render our whole man to God’s hand
The Second place we meet God’s grace is in A Place of Humility. A place where we recognize we’re willing to go but we must openly admit to God that we are just not brave enough or strong enough. It’s the place in the process where we love God and want to do his will, but we fail at holiness because we cannot obtain the mark without His supernatural strength working inside of us. We openly admit that it is not us but Him and that His Holy Spirit is not only the prerequisite but the absolute necessity to obtain any true level of relevant success in this life. This is where grace doesn’t just cover our sins and cleanse our heart, but grace works as an element of force, as much as we will allow it, to turn our hearts back to God or fully towards Him.
The Third place we meet God’s grace Is in A Place of Victory. 2 Corinthians 9:8 “And God is able to make all grace abound toward you; that you, always having all suffiency in all things, may abound to every good work.” Suffiency literally means a perfect condition of life in which no aid or support is needed. This is not to say you don’t need help but to say that here is the grace and with this grace comes all of the help you need!
In times of need, desperation, loneliness, confusion, despair, brokenness, grace abounding moves mountains, tares down walls, lights up darkness and crushes every enemy just to get to where you are.
Amazing grace how sweet the sound that saved a wretch like me. How did it find me in all of this mess? It does not matter what stands between you and God when you have decided to accept Jesus into your life then God sends Grace abounding towards like a train without brakes just to deliver you right where you stand.
Know today that God has a meeting room for you. It is called A Grace Place. And this Grace Place could be your living room, your dorm room or your workplace restroom. It is the place that you make the decision to accept Jesus Christ as your personal Lord and Savior.
There is Hope,God Bless You!
Aquila T Carmon
The word moment is defined as a very brief period of time or an opportunity.
Over Sunday Dinner I engaged in a conversation discussing with Father in law and my sister in law’s boyfriend regarding things we remember from our past. Ironically this post refers to how we only remember certain things concerning our yesterdays and needless to say, I can’t remember exactly how the conversation began. What I do know is that we were in agreement. We are unable to go back in our minds, press rewind and again see the clips we missed. Nope, everything’s spotty and we only remember moments. Have you ever tried to go back to your childhood and remember a whole situation play by play. If you can then I commend you for tapping into a part of your memory muscles that many of us cannot.
For example, I can remember acting out the role of a Lion in a 3rd grade play in the library at Grifton Elementary School. I recall the sun shining through the blinds and my mother showing up to support me. I had one line the entire play which was “I don’t care” until at the very end something caused me to finally say “I care.” What I can’t remember is other classmate who was in that short play with me. I remember the time while in high school we performed a play for the elementary school kids. I played the lead role as a King who allowed someone to sale him a royal outfit persuading him that it was of the most well-designed and extravagant outfit people would ever lay eyes on. But my friends, the kicker was the outfit was invisible. I remember not one line from that play 20 years ago, but I recall walking out on that wide wooden stage in my loud underwear covered in big yellow smiley faces and watching those kids go wild!! Oh, What an incredible memory. I played baseball for fifteen years, but I can only remember certain moments of certain games. I travailed through boot came for thirteen weeks but the moments I can remember are very few and in between. The only vivid recollection is when the Eagle, Globe and Anchor was placed in my hand and in that moment, I had achieved my greatest accomplishment ever. I wish I could remember more moments with some of the loved one’s I’ve lost or some of the people I grew up, but I can’t. You see I understand that all of my experiences in some way has helped shape me into who I am today, but they all didn’t make the cut to the memorable moments team.
I think the value of memory is neglected by our own desire to make tomorrow more valuable than yesterday. I hear some many people say, “the past is in the past” or “you can’t change the past”. True!! All True! But remember that every day we are present, we are creating a past. So, it is vital my friends, to recognize that your future and your past are impacted by your present.
It is in The NOW, where you must make moments for your family that will become positive and powerful memories. When both of my grandmothers were buried, the moments I recalled during their funerals were full of warmth, love, wisdom and peacefulness. Their homes were a safe-shaven for everyone. What moments are you leaving for your family to remember you? What moments will your family have to Cherish? Are you teaching those around you to create good moments? Your destiny, your fulfillment of purpose and your legacy is built by the way you manage the moments.
Recollections of great moments remember the emotion and overwhelming love when you held your first child for the first time. It is when you understood the pressure to be an amazing parent when wiping your child’s tears and lifting their head up. It is when you feel purpose fueling when leading a lost soul to salvation. It’s like seeing your father stand again after doctors said he would die. It is the hearing someone tell you simply that you have helped them become better. These moments keep us grounded. Seeing impossible things become possible are monumental reminders, in the moments we forget that everything really is going to be ok.
Today, Moments are ready to be made. Which means it is important for us to make our decisions count. Whether big or small make them count. Because when someone stands over our casket it will be good for them to lose us knowing that we gave them the best of who we are.
The ultimate measure of a man is not where he stands in moments of comfort and convenience but where he stands at times of challenge and controversy. ~ Dr Martin Luther King Jr.
God Bless you,
Aquila T Carmon
So, what happens on the other side of the door? You know, while you’ve went to a car dealership, applied for a loan online or anytime you are waiting for someone to run your credit and make the approval decision for your loan.
First your personal information will be pulled and placed into a system that will scan and analyze your credit report. Then it will provide the creditor some feedback based on your score and general items on whether you should be approved. This system will analyze items such as credit scores from Equifax, Transunion and Experian, the number or accounts, how many are delinquent accounts, how long have you had the accounts open, how many late payments and your debt to income ratio based on the income information you decided.
Depending on where you apply would determine if an automated decision will be the final factor for you. However, some creditors will take the next step, put human eyes on your credit report and begin to discuss with the finance manager if there are things that must be considered. You wondered while the salesman was probing? he was trying to get to know a few things about you to include in that “credit conversation.” Quick insert: If you have bad credit, please don’t be nasty and rude to the salesman. His opinion of you might play a part in whether the lender wants to work with you or not if your credit is already bad.
So, on the other side of the door they take a deeper look into the credit report with human eyes to determine, did it all go bad at the same time? Did a life event bring about this problem such as job loss or relocation? Someone may even come sit with you to ask additional questions about your credit report. Trust me, I know because I am the guy that has sat across on both sides of the table. Once with bad credit and later to ask the questions.
Here are some tips before applying.
Know your credit situation:
- Know where you stand: Pull your credit report, know your scores and what is helping or hurting on your report and be ready to talk about it. Hopefully you are working on a plan to resolve any issues.
- Prepare mentally: If you have bad credit, prepare yourself for the result and remember that NO could mean, Not until a few things are fixed on your credit report. Meaning negative items removed or paid.
- Decrease some Debt: Pay down all credit card balances to less than 30% of use and wait for this to reflect on your report before applying for any credit.
- Understand that it may be best to struggle a little while longer and commit to getting your credit improved before even walking into to submit an application.
No matter where you stand in the credit world, know that you have or can take control of your credit situation. It may take some time and it is a process but by educating yourself, understanding how credit works and develop certain financial disciplines you can change how you experience as you sit on the consumer’s side of this process.
If you or someone you know has less than perfect credit. Let’s talk. Give me a call at (919)904-6960 or email me at firstname.lastname@example.org. Go to www.myfes.net\acarmon1. I am connected with a team that can help.
Aquila T Carmon
I wanted to take a moment to wish you a Merry Christmas. I thought it would be important to remind you the significance of gratefulness. Many people have been frustrated and stressed over the last few days scrambling to buy gifts, travel to family gatherings and buying the kids gifts just to see them smile. I want you to consider taking a moment to look around, not to think of things you do not have, but to look at what you do have. Breath is a starting point. Be grateful today for life. Be grateful for those you do life with, who made it to this day still as an active part of your life. Be grateful for shelter and food. Be grateful for anyone that you have an opportunity to love and to share love with. Me personally, I am grateful that God saw it fit to send His Only begotten son, wrap him in a human body and commission Him to be the sacrifice that would give me access to salvation. Be grateful during this holiday season. ‘Tis the season to be jolly! Merry Christmas From my family to yours.
Aquila T Carmon
How many of us have ever found motivation from frustration? Have you ever been motivated by difficulty in reaching a goal, obtaining a level of achievement or making something happen when it feels like you don’t have much of anything to make it with. Has failure ever motivated you to the place where you say this will be the last time I find myself in this situation?
My most recent motivation came from my seven year old daughter. I wish I could say that it came from watching her do something amazing or seeing her not give up. Those are always great moments that motivate me to do and be better. Unfortunately, not this time. I was picking her up from after care along with my two five year old sons. She came running to the car with an amazing amount of excitement and I begin to think, boy she has been in there having fun!! She runs up to the passenger side but today she didn’t reach for the back door to get in. She says, “Daddy, Daddy you have to come inside the school for the Winter festival!!” At that moment I’m thinking, “OH NO, What did I miss?” Knowing that this is about to be a hard conversation I reply, “baby we can’t, I have to go back to work.”
So far there are two dilemmas. The first, not knowing this winter festival is taking place because I didn’t read through all of the teacher’s communications. The second is that my daughter really wants me to attend this event but I’m on the particular day I am scheduled to work the late shift even though I have been working since 8am to catch up on unfinished assignments and to meet fast approaching deadlines.
So my baby girl who sometimes will make it known she is upset and sad breaks down to cry. Not an “I am mad” kind of cry. But a “This is the most disappointing thing ever” kind of cry. My heart is pierced to the point that if I wasn’t a grown man I would have cried with her. I immediately become angry that I haven’t “made it” yet. I become angry because I have been exposed to opportunities that if I had worked and pushed years ago I would be financially free by now. I become angry because my job, as important as, it is should not be putting my in a position to chose an income over my children. Not in 2018 when people are making six figures in their 20’s. I became so angry that I became motivated. You see she cried until I promised her Chinese food and a bag of takis.
You see, as I begin to promise her some of her favorite things. I began to promise myself some things too. I promised myself that I would not stop building my own business until it is a business that will provide for them what my kids need. That it will produce the type of residual income that will afford me options. The Word of God says in Ecclesiastes 10:19 “A feast is made for laughter, wine makes life merry and money answers all things.” You see money unlocks options. It provides opportunities and choices for us. Its the difference of where you get your education, how you spend your time and who you spend it with. It can determine how you can get out of your normal routine and rest or if you have to work 2-3 jobs to make it. I’ve pulled countless double shifts, stayed in terrible hotels, hoped for a ride to come and the “friend” never showed up. My father and mother are the hardest working people I know. But they taught me to get hired on a job, pay the bills, take two weekend trips a year, then rinse and repeat. I have no desire to leave my children with the burden of being routed and steered by society. Neither would I have them facing road blocks, rejected credit and a limitation of resources because I refused to exist outside of the box that I have grown up to know. I desire to leave them with a way to fund their dreams and a way to finance the cost of their goals. Sometimes we are waiting for a miracle after God has given us a resource to produce right here in our hands and our minds.
My daughter’s tears became another motivator for me to be better and to do better. My daughter’s tears have motivated me to revisit my dreams and push for them. They motivate me to build and work more intensely in ministry and for my community for the children who don’t have the parents that say “Baby everything’s going to be alright!”
Be motivated, stay encouraged and know that anything is possible. Nothing worth building is built overnight. It may take all you’ve got to build it but build it none the less. Build your Church, build your marriage, build your business, build relationships. Build yourself until you can look at your life and know you’ve given God and the people he has entrusted you to impact all you were meant to give.
Aquila T Carmon
Why I Have to Succeed….
I Am a Husband – I have vowed to honor my wife with my life even If it means laying this life down for hers. I am her strength, a foundation on which she should be able to stand in recognition of God’s command to cleave to her as her husband. I am purposed be the Visionary of this family developing the ability to navigate us through uncertainty. I must know where I am going and how I will get there. I must understand the relentless effort it will take and know that I will be challenged to quit. But I cannot allow the head to be removed leaving the body to drift aimlessly. I must, for the sake of my wife, run towards a goal with fierce ambition. Satisfying her is my responsibility. I must position myself to provide spiritually, financially, emotionally and physically. It will be impossible for me to do this buried under the agendas that are forced into my life just to provide in that one specified area of life. Especially while this provisionary sustenance is limited to someone’s opinion of my value. I need to become, while I have strength and life, the one helping secure our lives now for the future. My marriage should not be an component of debt nor acclimated to tiresome getaways never experiencing a real vacation. To be stress less is a major key to happiness and happiness along with early retirement is what I desire to gift myself and my wife with.
I Am a Father – I have 3 small children depending and watching my every move. My goal as a father first guaranteeing that all their needs are present. The second goal is preparing and securing their futures for their futures. I refuse to wonder if college or even a choice of college is an option. As a father I must create an income that will ensure if my grave finds me early my kids will know all needs are met. I desire to finance their dreams along with mine. I need them to see that building is possible and not just dreaming. Entrepreneurship is accesses limitless possibilities and will build a residual beyond myself and becomes a resource for my children. I need them to see success demonstrated in their home and break the cycle of struggle! I have a responsibility to protect my family and position us in the best place for continued growth and personal well-being.
I Am a Pastor – I have always resented the idea of preaching hope and struggling behind it. “Let there be light” Light that people around me can be inspired to live life to the fullest. Light that won’t cause fear of growth or stepping out beyond the artificial safety of normal and familiar. I am in pursuance of the manifestation of God’s blessing in all that I put my hands to do. It’s vital that my testimony of God’s blessing be made open, visible and transparent, so that those who are hungry for me may believe. I thank God that have joy and peace but God as much desires that I also experience wealth and wellness in every area of my life.
I am a Son – Let me be the son that makes my father prouder than he already is. As a black man our fathers long to see us find success in this world that has been so cruel and eager to those that have carried this color of skin in times past. He longs to see me find success in my home, family and ministry. As an individual he wants to see me go much further than opportunities presented to him. Building a Residual income, creating multiple streams of income is the way to do it.
I am an Individual – Everyone who wants anything out of life is searching for something that can make them somebody with value. I have a countless list of failures in my past and I am eager to represent my life in a different manner. I have a need to grow in the “accomplishments section” of my life. I have too many dreams that haven’t been fulfilled and I refuse to die with them. To be able to work in ministry full time is a must because that is what fulfills me. I live with a servant’s heart and seeing the needs of others impresses on me sense of urgency to make a difference. My heart benefits tremendously when I see others benefit from demonstration of love.
The highest quality of me is met when achieving what those who have gone before me have not and what those who are with me wish to achieve. The highest quality of me is the man who helps others achieve beyond what their present potential suggests of them. When I have learned to soar above where the trials, troubles and distractions of life would rather keep me grounded I have achieved the highest quality of me. This includes placing the success of others as a priority since I have no desire to rise alone so that we all reach glory as one. That’s what I live for. That is my “WHY.” I believe if I live and work at the highest quality of me today, I know I will reach the highest quality of me that I dream of.
I’d like to know what it is that motivates you. When is the last time you thought about your “why?” Maybe, just maybe it’s time to revisit why you do what you do or why you should do what you haven’t done.
God Bless You,
Aquila T Carmon