Plans change. As competent adults, we know
this. I had plans to earn my masters degree, and then go on to gain my
doctorates shortly after. I had plans to become a licensed real estate broker,
turned lawyer, turned Supreme Court Justice, and have had to make a few
changes.
I have had some minor setbacks, and feel
like these setbacks have only given me the ability to see the bigger picture.
My career plan has been clearer than ever before. Although, my plans have changed, they are now
in the proper order. This month, I would have completed my journey in obtaining
my masters degree in business. I’ve even had to take a break in managing my
startup companies. My next three plans, and details on achieving them, are as
follows:
Work: Before I go on to tackle anything
else, I want to get a job that pays more than my current one. During the tax
season, I was making over $18 an hour, before bonuses and incentives. That job
was seasonal, and still was not enough for my monthly expenses. I feel like
I’ll be able to find a better paying job, after this month. My bills currently
exceed my pay grade.
Gain Real Estate Salesperson License: I
already paid for the training courses, in order to grain my certification. But,
I have not been able to attend the classes. I have to let the school know when
I can start the class, and once I do, I won’t be able to change the date. So, I
would rather do that after this month. After doing so, I would then have my
bachelors, masters, and real estate license under my belt.
Improve Credit Score: Getting my car
affected my credit score, more than anything. It was a complete nightmare. I’ll
have to wait for all the dealership inquires to fall off, and then I’ll have to
work on strengthening my credit score, as a whole. A person can do so much with
a strong credit score.
The above plans are ones that I will be
working on and completing in the near future. The below plans might take a few
months to years, in order to complete them:
- Apply for Better Paying Job
- Move
- Enroll in School to Gain My Doctorates Degree
- Enroll in Law School
- Become Real Estate and Entertainment Attorney
- Become Supreme Court Justice
- Retire
If I ever needed assistance in funding any
of my business ventures, I would either go with EDA
or OFN.
The U.S. Economic Development
Administration (E.D.A.) provides technical assistance in locally planning
communicative and regional development programs. They also provide federal
funding, in grants, for economic development in both rural and urban areas. Some
requirements are that the applicant be either a private institution of higher
education, or that they be a city, township, state, or county government.
The Opportunity Finance Network (O.F.N.) provides
windows and contacts through small business financers. They also offer
alternative credit, federal credit union loans, business loans, and community
lending. Anyone is welcome to become a member of OFN. It is their lists of
contact’s that have their own requirements and qualifications.
Some advantages of alternative financing
would include the fact that it is easier to get approved. There are also
repayments terms that are longer and more flexible. The disadvantages of
alternative financing are that they would include less laws and regulations.
The lenders can pretty much do as they please, and can make up their rules as
they see fit. The borrower has less protection.
