The Benefits of Failure and the Importance of Imagination

I love JK Rowling.

Not just for Harry Potter, but for her incredible life story.

It's an inspiring tale of resilience, of self-belief, of passion, of purpose, of courage.

She shares some of the magic in her commencement address to the 2008 Harvard graduates, which you can read here:
http://harvardmagazine.com/go/jkrowling.html

May you be inspired to fully live the life God has given you.

The knowledge that you have emerged wiser and stronger from setbacks means that you are, ever after, secure in your ability to survive. You will never truly know yourself, or the strength of your relationships, until both have been tested by adversity. Such knowledge is a true gift, for all that it is painfully won, and it has been worth more to me than any qualification I ever earned.
JK Rowling

Can you survive without a job?

I got thinking about this recently when we had dinner with friends who are new migrants.

The husband had just received a job offer from the Government, and you could tell the couple were elated.

He's waited six months, sending out applications and waiting for the phone call or email that can change his life and his family's financial position.

For a highly qualified Singapore professional, being jobless in a foreign First World country can be excruciating, a sort of baptism by fire.

That got me thinking.

Is it possible to have a life where you make money without getting a job?

Can you go against herd instinct and make money in other ways?
Why does everyone seem to think that getting a job is the best and only way to make money?

I was at the doctor's today for laryngitis. J had a nasty cough as well.

When I requested a medical certificate, the doctor's first question was: "What work do you do?"

I had to explain that I'm a stay-home mum, and that the MC was actually for my husband because he's taking carer's leave to look after us.

So he made out the MC in my husband's name.

It struck me as particularly galling that being a stay-home requires me to justify the work I do.

Perhaps I should have said "I am a writer" or "I am an online business owner".

Even then, I suspect the doctor would have looked suspiciously at me and thought I was being funny.

Isn't it interesting how the default position is that everyone who is able-bodied and not studying or raising a family should have a job?

Look at the way superannuation and bank loans are designed.

If you are an employee, your organization puts in the 9% or 17% contribution into your super.

The seeds of your retirement funds start from there.

When you want to borrow money to buy a house, the bank calculates your borrowing capacity and your serviceability capacity.

One criteria they use is your income.

Without evidence of a stable income over a period of at least 12 months, you might have to resort to borrowing from a second-tier financial insitution at a possibly higher interest rate (what they call lo-doc or no-doc loans).

How do you demonstrate a stable income over a length of time?

Again, a job is the best way to do it.

And yet, when you think of it, a job is hardly any form of security these days.

Recently, Ford Australia laid off 600 jobs. This was followed by a second-round cut of 350 jobs. On the same day that the 350 job cuts were announced, the company president resigned and returned to USA.

We are talking of nearly a thousand workers and their families whose livelihoods are suddenly threatened through a corporate decision completely outside their control.

If these workers receive job offers soon after, good for them.

What happens if they don't?
What happens if their reserves run out before the next job offer comes along?
What if they are single-income families where one spouse has stayed home to raise the kids?
What if there's an accident resulting in a disability, and the insurance company or TAC drags its feet about paying out?

These are the possibilities no one likes to think about.

We think it won't happen to us.

But bad things do happen every day that could threaten our family's welfare and put us in financial stress.

Studies have shown that finances are the main cause of domestic disputes.

If the sole source of income dries up, what then?

It is too awful to think about, so most of us refuse to go there.

But this is precisely why we need to make advance preparations.

We have to start thinking of alternative ways to make money while we are relatively financially stable, not when that stability is gone.

Banks lend money to you when you don't need it.

When you actually need money, you can be fairly certain the bank manager will politely show you the door.

Let's think for a minute of alternatives.

If you haven't got a job, or don't plan on getting one because you hate being tied down to one organization (which in a sense is what having a job is about), you could do one of several things:

• Hire yourself out as a freelancer or consultant, and do what you're skilled at, but for many clients rather than one. This way, you diversify your risk. If one client folds, there are always others.
• Convert a hobby into a stream of income. Teach music to the kids in your neighbourhood, walk people's pets, sell hand-crafted jewellery at craft fairs.
• Do jobs most people would be glad to pay someone else to do. Mow lawns, distribute fliers, do packing at ALDI's, do the ironing for someone who hates domestic chores.
• Start a business. If you have the capital and your market research has turned up an opportunity for your kind of business, by all means go for it. You could start from scratch or invest in a franchise. Not many people have access to large amounts of capital though, so if this is your situation, you may have to consider other low-cost ways of doing business.
• How about joining an MLM company? Of course you will have to do your due diligence and evaluate the opportunity before you part with a single cent.
• Now consider going online, like so many people dream of doing. When you do your research carefully, you will be surprised at how easily the Internet medium lends itself to all sorts of individuals, life situations and types of businesses. Including all the ones we've just discussed.

An online business is the perfect income-producing avenue for almost anyone.

Retirees who want to enjoy life their own way.

Career changers who - like 72% of American households - want to work from home.

Work at home parents looking for a way to help with the family expenses while looking after the kids.

Info publishers and infopreneurs.

Turn your specialist knowledge about something people want into a stream of income.

Elad did it with kids' parties.



Sellers of hard goods. You could be a maker of goods, a sourcer of goods, an artist, or someone who has found a unique way to present an array of goods from different sources.

Sellers of e-goods.Watch Tomaz turn tennis into checks.

Affiliate marketers who specialize in marketing and selling other people's products. They get a commission on each sale they make.

Network marketers who prefer a unique website to the company's duplicate website. With your own website, you have a better chance of reaching out to more qualified prospects than you could ever find time to meet or call individually.

Real estate agents. If you are an agent, you may have discovered that your company website doesn't do much to help you grow your business. How do you capture some of that online passing traffic and use it to bring in the buyers and sellers who are interested in the properties you are listing?

It's incredible just how useful and how flexible the Internet is. It can help you start a business, take control of your career and finances, and enhance the quality of your lifestyle to fit better with what you most love doing.

Ethel Turner, Australian Author

I do want fame - plenty of it. Today I feel I want it almost more than anything, nothing else can quite satisfy me. If a Fairy came along and offered me Love or Fame, of course I should choose Love. No, I don't see why I shouldn't have both.
From Ethel Turner's diary (1893)

Not one of the seven is really good, for the very excellent reason that Australian children never are.
Seven Little Australians

...an aching to go and live where life is lived, not just passed through...

The Silver Lining

The past week has been harrowing for our church family, particularly the family whose daughter/sister is in hospital with blood clots in her brain.

I want to dwell, not on the medical aspects of the drama that is still unfolding, but on what it has done to our church family.

The silver lining in the cloud, if you will.

HXUCA is outstanding for its hospitality.

CA and I should know, having been warmly embraced and made to feel welcome in so many ways in the past 2 years.

But after what has recently happened, HXUCA can lay claim to another character trait that would make the Apostle Paul proud.

It is the spirit of unity and purpose that Paul wrote about in the book of Philippians, when he exhorted the believers to look out for each other.

1If you have any encouragement from being united with Christ, if any comfort from his love, if any fellowship with the Spirit, if any tenderness and compassion, 2then make my joy complete by being like-minded, having the same love, being one in spirit and purpose. 3Do nothing out of selfish ambition or vain conceit, but in humility consider others better than yourselves. 4Each of you should look not only to your own interests, but also to the interests of others.
(Phil.2:1-4)

What I have witnessed in the past week has been just that.

On Thu, when the news broke that S was very ill, emails and phone calls helped the rest of the church family keep informed of what was happening.

On Fri night, a prayer meeting was held.

One of the elders had a brilliant idea. She suggested we create a pink-&-purple prayer chain from rolled up pieces of craft paper joined together. Pink and purple are S's fave colours.

The idea was to fill the chain with messages of encouragement, love and blessing, so S could have something pretty that she can see and touch when she wakes up from her induced coma.

What really touched me about the prayer meeting was the attitude of the people present.

Not for HXUCA men and women the stiff, formal, "proper" prayers I'm so accustomed to.

These were earnest prayers, passionate prayers, prayers of desperation, hope, and faith.

Prayers that emanated from deep within the hearts of those that uttered them.

The requests were bold yet humble.

I tell you, I was so humbled and touched.

Had I been an outsider, I would have been immensely impressed and drawn to the Christian faith.

As a fairly recent member of the HXUCA family, I am so proud of my brothers and sisters for the way they demonstrate so clearly and unabashedly how much they love S and want her to get well.

I am so glad to be a part of this loving family of faith.

Do you know your purpose?

That is the challenge life coach David Wood threw me today.

Not verbally.

Just an email inviting me to join him and Tim Kelly on a free coaching call on Thu 2 pm EST. That works out to Friday 5 am in Melbourne - still not too bad, considering I've had to wake up even earlier for some other calls.

What was interesting was the content of the offer.

On this call with Tim Kelley and David Wood, you'll learn about how finding your purpose can help you answer life's deepest questions: Why am I here? What am I meant to do? Create the life you desire!

Which naturally leads me to ask you: do YOU know your purpose?

I hope you do.

David and Tim are right in that if you're vague about your purpose, it's going to have a negative flow-on effect on the rest of your life.

When you are aligned with a clear purpose and everything you do, say and think resonates with that purpose, it attracts people.

There is something beautiful about someone whose purpose is clear and defined, whose gaze is direct, whose mind is uncluttered.

What that driving purpose is is another issue.

Again I ask, what is YOUR purpose?

I find that as the years go by, my purpose becomes narrower, sharper, more defined.

I know by Whom I am made and for Whose purpose.

That makes it easier for me to define my purpose.

It is to glorify God and enjoy Him forever.

I do that by expressing myself the way He made me, the way that is most natural for me.

By writing and communicating in a way that

• glorifies Him and brings honour to His name, and that


• edifies my fellow man and builds him up.

Today, I read Philippians 2. This is what the apostle Paul says:

1If you have any encouragement from being united with Christ, if any comfort from his love, if any fellowship with the Spirit, if any tenderness and compassion, 2then make my joy complete by being like-minded, having the same love, being one in spirit and purpose. 3Do nothing out of selfish ambition or vain conceit, but in humility consider others better than yourselves. 4Each of you should look not only to your own interests, but also to the interests of others.

Do you know your purpose?

The Creative Process (Stream of Consciousness Style)

I have been working - nay, wrestling - over my website.

If all goes to plan, this will be the first of many.

But the first one is the hardest.

Oh, I know I can pay someone to do it.

But that would be too easy, and I wouldn't learn half as much.

Or have as much fun.

I want to do it the right way.

Not just getting the technical bits right, which is completely out of my depth.

I'm thinking more about the writing aspect.

I want to write from the heart.

Share what is true.

Talk truthfully and objectively about what has worked for me and what hasn't.

Create something that will be of real use and benefit to others.

Not just something that pulls traffic and brings in dollars.

Although that would be a nice bonus!

It's got to be perfect (that reminds me of a song...) in every way.

Honouring to God.

Edifying to people.

Satisfying for me in a creative, artistic sense.

That is why it's so hard.

And also because I suffer from some form of attention deficit disorder.

I start brainstorming Theme A, then get sidetracked into "How about Theme B? That would be a good one too, lots of content and ideas..."

It has happened over and over for the past year.

Theme A gets abandoned in favour of Theme B, which in turn gets overwhelmed by Theme C, then after a huge U-turn, I come back to Theme A - or some variant of it.

I am trying to enjoy the uncertainty of the creative process, while keeping one eye on the practical.

My husband reminds me to Focus.

He knows me well.

I could sit and dream up a dozen different ideas to save the world and change lives, but it's not going to matter if none of those ideas makes it to implementation.

I have to just launch Something, put Something out there, and see what happens.

Going forward and reverse engineering at the same time.

It's so exciting when the seed of an idea starts to form.

You could go anywhere with it.

Do anything with it.

Let it take you on adventures.

Whatever you do, just don't tell it to go away.

It might not come back!

Mary Poppins & The Abundance Mentality

I've watched the musical Mary Poppins countless times with the kids.

Each time I do, I either learn something new or get an old lesson reinforced.

There's this bit in the story where , Bert, Mary and the kids travel back from the racecourse where Mary had just won a trophy and taught Supercalifraglisticexpialidocious to her audience.

It was raining back at the park and Bert's chalk drawings on the pavement were all ruined.

"Oh Bert," sighed Mary, "all your fine drawings."

Bert saw it differently.

"There's plenty more where they came from," he replied.

"Besides, looks like good chestnut weather to me."

Just think of that.

Bert is able to put a positive spin on what looks like a setback - he's no longer thinking of what he's lost (the chalk drawings) but what he can create afresh.

And he's looking at other opportunities the bad weather can provide, that silver lining every cloud has if we look hard enough.

If he can't sell chalk drawings, he can sell something else - hot chestnuts.

What a clever, resourceful, creative chimney sweep.

I can think of more applications.

Did you notice Bert hasn't confined himself to chimney sweeping? He's a chalk artist, a busker and a streetside vendor of hot chestnuts on cold, wet days.

Multiple streams of income. Yep.

But I'm thinking of something else too.

Bert hasn't allowed his current reality (being a lowly chimney sweep, which surely was fairly low on the social ladder for his time) to limit him from doing good, living well and expressing himself the best way he can.

In the story, he's also a friend to children and a counselor to adults (even those adults who wouldn't normally socialize with chimney sweeps).

Action Challenge
What's keeping you back from living a full life?
What can you start doing today to live a fuller, more vibrant life?