Say No to Bad Debt

She was advised that her position was made redundant and that her services were no longer required. She spent 12 years at the bank. She refused to accept the separation package and decided to ask for a transfer to another location or division of the bank. She was approaching 51 years and she considered herself to be a difficult hire. She was aware that the job market was tough and since she did not further her education post secondary school, her chances were limited.

I asked her why did her position suddenly become redundant. She told me that she refused to offer customers credit cards and loan facilities. She said that she lamented the indebtedness of the customers in the queue to pay off their credit cards. It was a refreshing view, that a bank employee did not believe in taking credit cards and loan facilities when it was not needed.

It is loan sale time. As the Christmas season approaches, there are jingles on all radio stations with loan promotions. I visited the bank to make my loan application. The loans officer offered me a credit card and $20,000 extra. I told her that I had no use for $20,000 cash currently. This also meant a longer period to repay the loan. I asked her whether the additional $20,000 could be placed in a mutual fund. That way, a lower interest rate would be offered. Also, the bank will hold the $20,000 as collateral. I agreed to this proposition.

A word to the wise, you may be offered a credit card or additional money by your friendly, neighborhood banker. But remember that if you do not need it, do not take it. The banks thrive on excessive interest rates and credit card late fees. If you do not need it, do not take it.

The author is an attorney at law based in Trinidad.She specialises in AML/CFT and Fraud Risk Management . Website : http://asydneygroup.com.

What’s app 868 484-7778

Instagram @asydneygroup.com

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Why Worry??????????

What are you worrying about, you have me, he reassured. I listened to the differently abled man on the bus. He was telling his friend that he knew of a program that could earn $60,000 a year. He was explaining this to the man and trying to get him to invest in the program as well. The man was being cautious and expressing his concerns. But the differently abled man was hopeful to get an additional person to join under his leadership. Although I do not trust these multi level marketing schemes, I was pleased by the question. “What are you worrying about?”. The question makes absolute sense.

What is there to gain from worrying? Absolutely nothing. The outcome is simply distress and sleepless nights. While the subject of your worry is not in the least bit concerned about you. I refuse to destroy my body by consuming harmful substances and in the same breath, I refuse to harm my mind and body, by worrying about things that I cannot control.

The author is an attorney at law based in Trinidad.She specialises in AML/CFT and Fraud Risk Management . Website : http://asydneygroup.com.

What’s app 868 484-7778

Instagram @asydneygroup.com

The Importance of Connecting flights

It’s not the destination, it’s the ride. I saw a bus and decided to take a ride to Chaguanas, this is considered to be in the central part of the island of Trinidad. The bus had a sign that read “Montrose”. I was not a 100% that this bus would take me where I needed to go, nevertheless, I entered.

I observed that he took a detour that buses heading to South Trinidad would take. I felt like a tourist in my country. Instead of proceeding along the highway, he drove along one of the main streets, thereby encountering traffic.

The other passengers were mainly elderly persons, and they were elated to see each other. I saw a familiar police station and realised that I was in fact familiar with the area. However, to arrive at my destination, I would need to take a maxi taxi.

It felt like a joyride that was misguided.

I began thinking, sometimes we see an opportunity that appears to be something that it is not. We are lured by the immediate gratification offered.  When we do in fact take the opportunity, we are disappointed. In the event that this happens, try to catch a connecting flight or ride and make your dreams come through.

The author is an attorney at law based in Trinidad.She specialises in AML/CFT and Fraud Risk Management . Website : http://asydneygroup.com.

What’s app 868 484-7778

Instagram @asydneygroup.com

How to deal with Toxic Work Environments

I have been spending a lot of time with a colleague who has resigned from a job after 6 years. It is like watching someone suffer from a bad break up. Almost every conversation involves a mention of an incident that occurred at the former place of employment or a former coworker.

My mother had a bad experience at a certain job and everyday she mentions the former employer’s name. One year has passed since her last day and the wounds have not healed. She recites her feelings of being exploited and oppressed daily. I am certain that the employer does not consider her at all. Unhealthy work environments are similar  to abusive relationships. You feel powerless, voiceless and unappreciated. The coworkers are toxic and negative, the management is biased and unfair. Sometimes the salary is merely enough to take you to work and back home.

My view is that if you are going to work everyday and still broke, you should leave that job and be broke at home. The salaries offered cannot match the rising costs of living. Further to that staff cannot take additional courses or purchase books to develop themselves when they are underpaid.

Signs that you are in a toxic work environment:

-Coworkers are bitter/negative;

-Staff are underpaid;

-No comradry;

-Management encourages competition at the expense of cooperation;

-You have sleepless nights;

-You consider resigning;

-You do not want to go to work.

 

In order to deal with some of the difficulties of a toxic work environment you can :

-Start job hunting;

-Put things in place then resign;

-Ask for a transfer;

-Change your desktop to a peaceful, serene picture;

-Take deep breaths during day;

-Listen to motivational videos during day;

-Meditate;

-Instead of smoke breaks, take a walk.

Remember, at a job, you are replaceable. This is your life, the only one that you have. It is a waste to spend this life doing something that you hate.

The author is an attorney at law based in Trinidad.She specialises in AML/CFT and Fraud Risk Management. Website : http://asydneygroup.com.

What’s app 868 484-7778

Instagram @asydneygroup.com

Change your mind and change your life

The mind is a terrible thing to waste. It is better than any app that may be developed and is oftentimes never used to optimum capacity. Our species has the luxury of being able to think. Yet very few think critically. I long for conversations with original ideas and thoughts. Instead I am always asked whether I have seen the latest trending videos. If you want to earn money that you never earned before, you must change your thinking.

Average people earn average incomes. Extraordinary people have a huge pay day. I do not know a successful person who is bitter and negative. They are always optimistic and fun to be around, even magnetic. You must believe in yourself first. You must believe in your success and future happiness. You must visualize it, then work to make that vision a reality.

 

The author is an attorney at law based in Trinidad.She specialises in AML/CFT and Fraud Risk Management . Website : http://asydneygroup.com.

What’s app 868 484-7778

Instagram @asydneygroup.com

True Friends are rare

She carried a radiant smile on her face and her heart danced when she saw her friend approaching. Her friend asked whether she was taking a trip for a week when observed her large bag. Without being asked, her friend took the bag by the left handle while the elderly lady held the right handle. They then placed  the bag on the bench and both waited for the bus. I looked at them and marveled.

That was a great illustration of true friendship. Without having to ask for help, a true friend will gaze into your eyes and see that your soul is troubled. They will help you to carry the burdens as they come. It is a partnership where each person feels valued and eager to help. I am grateful that I have a similar friend who sticks closer than a brother.

I beg of you , if you have a true friend, cherish him or her.

 

The author is an attorney at law based in Trinidad.She specialises in AML/CFT and Fraud Risk Management. Website : http://asydneygroup.com.

What’s app 868 484-7778

Instagram @asydneygroup.com

Be Careful of the friendly users in your life

Every day is just like the day before..A new adventure
Do more than survive, live. Take that risk, confess your love, take a chance, be vulnerable. Life can sometimes be scary, but what is the worst that can happen, you die? It is a chance that I am willing to take. Each day is what you make it out to be. There is no such day as a bad day or a good day. It is the same 24 hours. The only change is you. Yesterday may have taught you a lesson. But the days are generally the same. You have the power over the day. Refuse to start your day by reading newspapers that sensationalize bad news. Reading this does nothing for your soul. Same goes for watching a news broadcast before going to bed. There is no publicizing of good news.You must decide what your mind consumes and refuse to feed yourself poison. Seize the day, your day.

 

The author is an attorney at law based in Trinidad.She specialises in Anti Money Laundering and Countering the Financing of Terrorism. Website : http://asydneygroup.com.

What’s app 868 484-7778

Instagram @asydneygroup.com

People will not always treat you as good as you treat them

A word of advice for young professionals, have a separate phone for business customers and friends. This will help you separate the two. It is also a good practice for when you expand the business, you can delegate tasks and have an assistant to answer the phone. I used my personal phone to call my business phone because it misplaced at home. On my personal phone , the number was saved as “Business Phone”, I searched the contact and dialed. I walked around the house to listen for the ringtone. Surprisingly, the phone was not far, however,  I was surprised that when I saw the missed call, the number was saved as “Ms. Sydney”.
I began wondering how my friends , colleagues and clients saved my numbers. I wondered what name I would see if I dialed my phone number on my friends’ phone. I came to the realization that people do not consider you the same way that you consider them.Regardless of how well you treat them, people with treat you the way that they value you. I no longer inconvenience myself to make someone comfortable, it is not worth it. When you appear too helpful, people take advantage of you.
The author is an attorney at law in Trinidad. She specialises in Anti Money Laundering, Countering the Financing of Terrorism and Financial Crimes. See the website : http://asydneygroup.com Instagram @asydneygroup.com Whats app 1 868 484-7778 .

You are the author of your destination

Set your goal and pursue it. It is your life after all. If you do not like something, change it. We have limited time on earth and this time should not be used to complain. It should be used to live your best life. I looked at the rain , the droplets descended upon the blades of grass. I inhaled freedom and nature kissed me. I wanted to sing and dance in the rain.
I remembered the first time that my grandmother encouraged my siblings and I to play in the rain. We made paper boats and placed them in streams of water and cheered as they followed the course of the water. I remembered innocence and childhood well. I also remembered that I dreamed about doing the things that I do today. I smile and remember that there is still much for me to do. I also remember my days on the plantation and I vow to never work harder on the job than I do on myself.
I cannot blame anyone else for my position in life, the good and the bad are the outcome of my choices. I created my own turmoil and paradise with the changes that I made. I am grateful for the trials and tribulations that made me into the woman that I am today.

The author is an attorney at law based in Trinidad.She specialises in Anti Money Laundering and Countering the Financing of Terrorism. Website : http://asydneygroup.com.
What’s app 868 484-7778

Instagram @asydneygroup.com

Cherish Advice from the elderly

I turned the corner and walked down Frederick Street that evening and heard screams of car horns. Looking ahead I noticed a Public Transportation bus was parked diagonally along the street, thereby stopping the flow of traffic. It was an unusual position to see a long vehicle in. The bus driver was outside the bus and seemed to be calling for technical help.
Drivers became irritated with the traffic and store workers watched as the agitation increased by the minute. One driver in a Nissan Tiida, was being instructed by a pedestrian to drive alongside the pavement in order to pass. It reminded me of persons in our lives who try to tell us how we should live our lives. There was a passenger next to the driver who was telling the driver that the vehicle could not fit. The passenger closed the side mirror because it was terribly close to a lamp post on the pavement as the driver attempted to move on. The driver inched and inched until he came to the realisation that he had to wait.
There was an elderly gentleman sitting in the bus looking on at the young man trying to pass the stalled bus. He shouted. “Wait son, wait, you will pass eventually”. After his third attempt to fit, the driver of the Tiida waited. At this juncture, the bus driver returned to his vehicle ,turned the key in the ignition and the bus started. The Tiida driver and the others were able to continue their journey.
I was amused by the pedestrian, who was not even a driver at that point in time who tried to tell the young man what to do. The driver was doubtful that he could fit, the passenger next to him echoed this sentiment. It was the elderly gentleman, sitting from an elevated vantage point, in the bus who was able to advise the driver that he should wait. In life , I am always slow to take advice from people. Sometimes, I ask them what they have produced or done to be in a position to tell me what to do. It turns out that they have done absolutely nothing and I therefore do not heed their words. Instead, I marvel at the elderly people with their years of wisdom and knowledge to share with the youth.

The author is an attorney at law based in Trinidad.She specialises in Anti Money Laundering and Countering the Financing of Terrorism. Website : http://asydneygroup.com.
What’s app 868 484-7778

Instagram @asydneygroup.com