I waited tables in my 20’s. It was a great way to put myself through college and make some cash. But just like alcohol and “gateway drugs” can lead to harder stuff, working in restaurants led to an expensive adventure called “owning a restaurant.”
We did what a lot of people do to get money to start a business – we scrimped, saved, begged, borrowed, and applied for a business loan (and got it – thanks to a little help from SBA, The Small Business Association). We signed as personal guarantors to the loan, which was required, or so it was explained.
We had our starting capital! However, the process of opening the restaurant took more time and money than anticipated. After we were open, the costs seemed never-ending… refrigeration would break down, silverware and glassware would need replacing, a holiday, heat wave, or the Mariners in the playoffs (miracles do happen) would leave us scrambling for funds.
And when a business needs what it needs to operate, you do what you have to do. Continue Reading »




Also, don’t miss the opportunity to sign up for Partners for Prosperity, Inc.’s
My father went on vacation in April with his “little sister,” my aunt Faye (not her real name). She found an incredible deal for a 15-day Panama Canal cruise – 80% off on a trip from Puerto Rico to San Diego. She booked a suite for two on the back of the cruise ship (where they could view BOTH continents from their private deck) and first-class flights for both of them.
Valentine’s Day used to be really hard.
A friend of mine, who happens to be a successful, self-employed business owner, was the victim of financial fraud. Not from a stranger, but from someone he knew very well. 

Happy St Patrick’s Day! I’m part Irish – how about you?
I am delighted to say that I’ve said “Yes” to being a “Soulcare Provider” for Rachelle Mee Chapman’s Flock…“a nesting place for restless souls.” Rachelle’s eclectic background, theological education, creative bent, and talent for integrating diverse ideas and practices have made her internationally known as “the Urban Abbess.”