June 2, 2018

Items in italics are direct quotes from the articles below

http://markets.businessinsider.com/news/stocks/vatican-scathing-review-derivatives-credit-default-swaps-helped-cause-financial-crisis-2018-5-1024881738

The Vatican released a scathing 10,000-word review of the global financial system on Thursday, specifically calling out derivatives like credit default swaps, products credited with helping cause the global financial crisis a decade ago. Credit default swaps — or derivatives contracts designed to guarantee against bond defaults — made headlines in 2008 after they were blamed for exacerbating the financial crisis. Traders who felt invincible realized that the components of their alleged hedges were far riskier than previously thought, as they were propped up by rotten assets such as defaulting mortgages. “The market of CDS, in the wake of the economic crisis of 2007, was imposing enough to represent almost the equivalent of the GDP of the entire world,” the Holy See said, first reported by Bloomberg. “The spread of such a kind of contract without proper limits has encouraged the growth of a finance of chance, and of gambling on the failure of others, which is unacceptable from the ethical point of view.” Since these investments have been “securitized” multiple times it “transforms them into a ticking time bomb ready sooner or later to explode,” the Church said. “Economic activity cannot be sustained in the long run where freedom of initiative cannot thrive,” the document says. “It is also obvious today that the freedom enjoyed by the economic stakeholders, if it is understood as absolute in itself, and removed from its intrinsic reference to the true and the good, creates centers of power that incline towards forms of oligarchy and in the end undermine the very efficiency of the economic system.”
Personally, I find that the Church’s stance on wanting to close the gap between the rich and the poor and its financial knowledge refreshing. Money can be a form of bondage to a fulfilled life. The question is who will take the time to educate those who are willing to learn. Do you understand the difference between an asset and a liability? A financial education is not only important, but one core idea is the ability to not just want more and more money but manage the money you do have. It’s not about how much you make but how much you keep.

http://www.businessinsider.com/fasting-diet-ketosis-brain-body-effects-2017-12

Stars such as Beyoncé and Hugh Jackman have spoken publicly about following intermittent-fasting plans to get in shape. So how does intermittent fasting work? We spoke with one of the leading neuroscientists in this field, Mark Mattson of the National Institute on Aging Intramural Research Program, to learn more.

Following is a transcript of the video.

How long has it been since you last ate? People who fast intermittently often eat within an eight-hour block, leaving 16 hours of fasting in between. During that 16-hour stretch, their bodies undergo an important change that sets them apart from nonfasters.

Here’s how it works.

When you eat, you store some of that energy in the liver as glycogen. But after 10 to 12 hours of not eating, your glycogen reserves will be extremely low. As a result, you may feel more irritable than normal — or “hangry.”

The upside is, with little glycogen left, fat cells in your body release fats into your bloodstream. The fat cells head straight to your liver, where they’re converted to energy for your body and brain. So you are literally burning fat to survive

Blood samples show that people who fasted for 12 to 24 hours experienced a 60% increase in energy from fat, with the biggest change occurring after 18 hours. This is the benefit to intermittent fasting because it puts you in a state called “ketosis.” And it’s why researchers think intermittent fasting could be the key to a longer, healthier life.

I’m not a nutritionist nor a medical professional, so view and read this article with your own discretion, nor do I endorse the ideas in this video. Personally, I find intermittent fasting fascinating, and I’m curious to see if its results are legitimate and don’t have long term negative effects. I’m willing to test it personally. I believe in prayer and fasting, so I’m interested in seeing what effects can have on the body. But scientists have discovered that fasting increases ketone levels more. Ketogenic diets can increase ketones fourfold whereas fasting has been shown to increase ketones by up to twentyfold. As a result, fasting, compared to a ketogenic diet, may have a stronger, more beneficial effect on overall health. Fasting and ketosis have been keys to our survival from the beginning. They helped our ancient ancestors survive through bouts of starvation. And today they’re becoming recognized as ways to help keep future generations mentally and physically disease-free. Our bodies have limits and scientifically knowing how to test and push those limits is the key to human discovery. I think our bodies were originally born in a perfect state both physically mentally emotionally and spiritually. Sin caused a separation from this perfect state, and our current life is a pursuit to re-attain that original design. I think humanity can reach that original state. With the advent of technology, there are many different levels that are being developed. What will be your impact on legacy and eternity?

If you need a financial check-up or prayer be sure to contact me.

This week, I’ve included The Craziest Talk EVER | David Goggins – MOST Motivational Speech from the Mulligan Brothers YouTube channel.

“If you think you know it all, you’re a fool for sure; real survivors learn wisdom from others.”

Proverbs 28:26 MSG

Advertisements

Month End: May Snapshot

Thankfully at the end of May, I was able to pay off a card as I had planned. Next month my wife and I will be travelling to Delaware to visit her grandfather. I’m looking forward to getting some time away from work and being able to travel. It’s important to take some time to rest in your journey to be debt free. Paying off debit is not just physically exhausting, it’s also mentally and emotionally exhausting. Remember to take some time to rest and restore energy back to yourself. Next month, I plan to make a shift, and being to target the Capital One card, and my goal is to pay this card off by the end of the year.

If you want to learn more about how I’m increasing my income while reducing debt, or if you want to have someone to discuss your debt reduction strategy with, or if you need a financial check-up, contact me.

Also, learn more about how I use the self-lending principle through Mustard Seed in the mustard seed section.

This month’s video is The Craziest Talk EVER | David Goggins – MOST Motivational Speech from the Mulligan Brothers YouTube channel.

“The LORD will send rain at the proper time from his rich treasury in the heavens and will bless all the work you do. You will lend to many nations, but you will never need to borrow from them.”
‭‭‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

Deuteronomy 28:12 NLT‬‬
‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

http://bible.com/116/deu.28.12.nlt‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

I believe in your journey to….

A Debt Free Me

May 19, 2018

Items in italics are direct quotes from the articles below

http://markets.businessinsider.com/news/stocks/vatican-scathing-review-derivatives-credit-default-swaps-helped-cause-financial-crisis-2018-5-1024881738

The Vatican released a scathing 10,000-word review of the global financial system on Thursday, specifically calling out derivatives like credit default swaps, products credited with helping cause the global financial crisis a decade ago. Credit default swaps — or derivatives contracts designed to guarantee against bond defaults — made headlines in 2008 after they were blamed for exacerbating the financial crisis. Traders who felt invincible realized that the components of their alleged hedges were far riskier than previously thought, as they were propped up by rotten assets such as defaulting mortgages. “The market of CDS, in the wake of the economic crisis of 2007, was imposing enough to represent almost the equivalent of the GDP of the entire world,” the Holy See said, first reported by Bloomberg. “The spread of such a kind of contract without proper limits has encouraged the growth of a finance of chance, and of gambling on the failure of others, which is unacceptable from the ethical point of view.” Since these investments have been “securitized” multiple times it “transforms them into a ticking time bomb ready sooner or later to explode,” the Church said. “Economic activity cannot be sustained in the long run where freedom of initiative cannot thrive,” the document says. “It is also obvious today that the freedom enjoyed by the economic stakeholders, if it is understood as absolute in itself, and removed from its intrinsic reference to the true and the good, creates centers of power that incline towards forms of oligarchy and in the end undermine the very efficiency of the economic system.”


Personally, I find that the Church’s stance on wanting to close the gap between the rich and the poor and its financial knowledge refreshing. Money can be a form of bondage to a fulfilled life. The question is who will take the time to educate those who are willing to learn. Do you understand the difference between an asset and a liability?

http://www.businessinsider.com/fasting-diet-ketosis-brain-body-effects-2017-12

Stars such as Beyoncé and Hugh Jackman have spoken publicly about following intermittent-fasting plans to get in shape. So how does intermittent fasting work? We spoke with one of the leading neuroscientists in this field, Mark Mattson of the National Institute on Aging Intramural Research Program, to learn more.

Following is a transcript of the video.

How long has it been since you last ate? People who fast intermittently often eat within an eight-hour block, leaving 16 hours of fasting in between. During that 16-hour stretch, their bodies undergo an important change that sets them apart from nonfasters.

Here’s how it works.

When you eat, you store some of that energy in the liver as glycogen. But after 10 to 12 hours of not eating, your glycogen reserves will be extremely low. As a result, you may feel more irritable than normal — or “hangry.”

The upside is, with little glycogen left, fat cells in your body release fats into your bloodstream. The fat cells head straight to your liver, where they’re converted to energy for your body and brain. So you are literally burning fat to survive

Blood samples show that people who fasted for 12 to 24 hours experienced a 60% increase in energy from fat, with the biggest change occurring after 18 hours. This is the benefit to intermittent fasting because it puts you in a state called “ketosis.” And it’s why researchers think intermittent fasting could be the key to a longer, healthier life.

I’m not a nutritionist nor a medical professional, so view and read this article with your own discretion, nor do I endorse the ideas in this video. Personally, I find intermittent fasting fascinating, and I’m curious to see if its results are legitimate and don’t have long term negative effects. I’m willing to test it personally. I believe in prayer and fasting, so I’m interested in seeing what effects can have on the body. But scientists have discovered that fasting increases ketone levels more. Ketogenic diets can increase ketones fourfold whereas fasting has been shown to increase ketones by up to twentyfold. As a result, fasting, compared to a ketogenic diet, may have a stronger, more beneficial effect on overall health. Fasting and ketosis have been keys to our survival from the beginning. They helped our ancient ancestors survive through bouts of starvation. And today they’re becoming recognized as ways to help keep future generations mentally and physically disease-free. Our bodies have limits and scientifically knowing how to test and push those limits is the key to human discovery. I think our bodies were originally born in a perfect state both physically mentally emotionally and spiritually. Sin caused a separation from this perfect state, and our current life is a pursuit to re-attain that original design. I think humanity can reach that original state. With the advent of technology, there are many different levels that are being developed. What will be your impact on legacy and eternity?

If you need a financial check-up or prayer be sure to contact me.

This week, I’ve included Watch This IF YOU WANT TO GET BETTER! Some of The Best Advices for Success Compilation from the Video Advice YouTube channel.

“If you think you know it all, you’re a fool for sure; real survivors learn wisdom from others.”

Proverbs 28:26 MSG

Month End: April Snapshot


Ending April, I’m thankful to say I’ve made a significant step toward paying off another credit card. By the middle of May, the card I’m targeting should be paid off. I’m very thankful. With each card, or loan I’m paying off I’m taking the loan payment I was paying and rolling it into the amount I’m paying toward debt. It is a snowball effect. There are at least three different ways to pay down debt. The core principles of debt reduction are targeting a balance, targeting an interest rate, and using extra income to target a balance. My wife has taught me a very important extra principle in my journey to be debt free. The extra principle is to set aside a portion to save. I’ve focused on paying down debt and building assets, but it’s important to set aside a reserve. To be honest, getting out of debt is exhausting, and so is saving. But if through your spending whether responsible or irresponsible, you’ve ended up in this position, then I think it’s your responsibility to fight to get to your original place. A place of debt free. It’s exhausting if you’re alone, but I want you to know that you’re not alone. A key component of your journey to being debt free is believing and knowing that you are not alone.

Even if you don’t have a significant other, you have an inner voice that says you can do it, keep going, and press on. Listen to the voice that gives you hope and strength. And if the voice doesn’t say those things, then know I believe you can be debt free. Plan your work and work your plan. You may have to work harder than most, but the seed you plant if it is a good seed will reap a good plant.

If you want to learn more about how I’m increasing my income while reducing debt, or if you want to have someone to discuss your debt reduction strategy with, or if you need a financial check-up, contact me.

Also, learn more about how I use the self-lending principle through Mustard Seed in the mustard seed section.

This month’s video is WHEN LIFE HITS YOU AND YOU FEEL LIKE GIVING UP | MOTIVATIONAL VIDEO from the Lion of Judah YouTube channel.

“The LORD will send rain at the proper time from his rich treasury in the heavens and will bless all the work you do. You will lend to many nations, but you will never need to borrow from them.”
‭‭‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

Deuteronomy
28:12
NLT‬‬
‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

http://bible.com/116/deu.28.12.nlt‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

I believe in your journey to….

A Debt Free Me


April 21, 2018

Items in italics are direct quotes from the articles below

https://ideapod.com/alan-watts-taught-trick-meditation-us-get-wrong/

Have you ever tried to meditate? If so, you’ve probably tried to focus on your breath, or repeat a mantra. This is how I was taught to meditate, and it lead me down the completely wrong path. Instead, I learned a simple “trick” from Alan Watts. He helped to demystify the experience and now it’s so much easier. From meditating in this new way, I discovered that focusing on my breath and repeating a mantra affected my ability to achieve true peace and enlightenment. I’ll first explain why this was the wrong way for me to meditate and then will share the trick I learned from Alan Watts. Why focusing on breath and repeating a mantra didn’t help me to meditate I should clarify that while this approach to meditation didn’t help me, you may have a different experience.

Once I learned this trick by Alan Watts, I was then able to experience my breath in ways that put me in a meditative state. Mantras also became more effective.

For the author, he explains what his problem was:

By focusing on the breath and repeating a mantra, meditation became a “doing” activity for me. It was a task that required focus.

Meditation is meant to happen spontaneously. It comes from remaining unoccupied with thoughts and from just experiencing the present moment.

The key point is to experience this moment without thinking about it. However, when I began meditating with the task in mind to focus on my breath or repeat a mantra, I had a focus. I was thinking about the experience

Watts explains that the easiest way to begin meditation is by listening. Don’t attempt to identify the sounds, and let the sounds hit your eardrums. As you listen, your mind will automatically identify the objects making the sounds, and that’s normal. After you’ve done this process, do the same with your breathing, and finally with your thoughts. Over time, the outside world and the inside world come together. Everything is simply happening and you’re just observing it. Two YouTube videos are included with this article. Meditation is good for allowing yourself to become more in tune with how you are truly feeling on the inside. Meditation, prayer and other spiritual practices are necessary to strengthen your spiritual self. Personally, I think a strong spirit will control your soul, mind, and body. We are spiritual beings with a temporary earthly body, so our focus should be on making the spirit stronger.

https://www.marketwatch.com/story/101-simple-ways-to-spend-less-and-save-more-2018-04-13

No matter what you’re saving money for—whether it’s to build up an emergency fund, pay off debt faster or plan ahead for a big vacation or first home—trimming expenses will help you get there faster. The good news is even small efforts can add up to big savings over time. We’ve rounded up 101 simple ways you can get started today. There are many ways in this article to spend less and save more money. I’ve selected only five and be sure to check out these simple ways and apply them to your life. The 101 ways are separated into ten categories: simple hacks, home, shopping, food, bills and loans, work and career, health and fitness, travel, socializing and entertainment, and family, kids and pets.

Get cash back at the grocery store or pharmacy to avoid out-of-network ATMs, which cost an average of $4.52. (You can usually get up to $40 back free when using a debit card.)

Turn off the tap when you brush your teeth. This can save eight gallons a day, or 3,000 a year, cutting your water bill.

Instead of going all organic, buy just organic of the items on “the dirty dozen list“—fruits and veggies with the most pesticide exposure.

Take a class with your pals, using Groupon GRPN, -2.52%   or Living Social to score a deal.

Research dog and cat breeds before selecting a pet to learn which are susceptible to certain conditions (which may create big medical bills in the future) and whether or not they shed (which could lead to having to spend more time cleaning or replace furniture).

Each of the suggestions are a good way to help increase your net income. As your net income increases allocate a small portion for either debt reduction, or as disposable income. Plan your work and work your plan. Have a focus for your legacy and eternity.

If you need a financial check-up or prayer be sure to contact me.

This week, I’ve included SPARTAN MINDSET – Gym Motivation – Motivational Video from the Mulligan Brothers YouTube channel.

“If you think you know it all, you’re a fool for sure; real survivors learn wisdom from others.”

Proverbs 28:26 MSG


April 7, 2018

Items in italics are direct quotes from the articles below

https://www.investopedia.com/articles/stocks/11/figuring-out-which-stocks-follow.asp

More than 5,000 companies are listed on the Nasdaq and NYSE. How should an investor cast a wide enough net to not miss out on great opportunities, but keep the workload to a manageable level? It is better to focus on a much smaller list of companies, but go significantly further in understanding them. An investor may actually only need to know a few hundred companies and stocks to get through their entire investing life. The key, then, is for the investor to find a balance between knowing just enough to let good ideas come in through the door without being so distracted and spread thin that they risk “paralysis by analysis.” If the financial markets sometimes behave like a giant circus, then investors ought to consider a three-ring approach. This approach will help investors sort out their priorities, allocate their time most effectively and balance out the need to keep a broad perspective with the equal need to maintain focus and attain a deep working knowledge. It is important for an investor to make the most of the time available for research, and one of the best ways to do this is to research vertically (suppliers and customers) and horizontally (competitors).

If you’re researching one company, it makes sense to research its competitor. As far as deciding which stock to follow, divide them into three categories: closely followed stocks, casually followed stocks, and barely followed stocks. What is your investment strategy? What is your investment strategy for paper assets? Are you cash flow driven, or capital gains driven? Asking these basic questions of yourself will also help you build these categories. Personally, I invest in my 401k, I have a personal portfolio that I build over time, and I will occasionally day trade stocks. If you’re going to invest in paper assets, then create watch lists, and the last step may actually be the most fundamental to the entire process. A disciplined investor needs a disciplined process. Set aside time every day (or week) to do the requisite work — both researching new ideas and keeping up with developments in those names on the watchlist.
When you invest in the paper asset, you must understand that you are competing against hedge fund managers, seasoned investors, and credited investors. Stay calm and follow your strategy. If your strategy isn’t working, then find others to lean on. My lens is eternity and legacy. What is yours?

https://www.entrepreneur.com/article/307004

Let’s say you put together a business plan. You did the math to figure out exactly what you needed. You researched your small business loan options, diligently completed the paperwork and even did your little “good luck” dance as you clicked the “submit” button on your application. But then, your worst fears came true: You were denied that small business loan. Let’s face it: There’s almost nothing quite as discouraging for an entrepreneur as seeing your business dreams halted by the decision of a single lender. You might feel rejected, have no idea what to do next and even start to question whether your grand business plans were ever meant to come true in the first place. But here’s the good news: You may abandon your own body, but you must preserve your honour. Of the many entrepreneurs who are denied a small business loan after their first application, most do go on successfully obtain financing with later applications. The key is to figure out why your application was denied, take steps to improve your credit and financial standing and choose the right loan product for your business — before trying again. Don’t let a single denial hold you back from pursuing your small business goals! Here are the five steps you can take right now to ensure that your next business loan application results in a resounding yes. The five steps are: request an explanation from the lender, check your business and personal credit reports, take steps to improve your business standing, consider alternative loan products, and apply carefully the second time. It’s important when you get denied getting an explanation from the lender and understanding what specific concerns a lender has. It’s not only important to manage your personal credit scores with the three major credit bureaus. There are three major credit bureaus for business that you may not know. It’s important to have your vendors, creditors, even your landlords report the payment history to these three bureaus: Experian, Dun & Bradstreet and Equifax.

While your business and personal credit scores will typically be the most influential factors in a lender’s decision process, the internal financials of your business — particularly the strength of your annual revenue, cash flow and business savings — will also be considered. Taking an objective look at these factors from your lender’s point of view may help you to determine what steps you can take to either improve your financial standing or choose a loan product that will be a better fit. The best way to do this? Take a look at what’s called your debt service coverage ratio, or DSCR, for short. This simple formula is the tool that lenders use to determine whether your business has the necessary cash flow to make your loan payments consistently and on time.

Don’t know what a DSCR is? Here’s the basic formula you’ll need to calculate your debt-service coverage ratio, including your anticipated loan as part of your calculations:

Annual net operating income + depreciation and other non-cash charges

Divided by interest + current maturities of long-term debt

A debt service of less than 1 indicates that your business’s debt will exceed available cash flow, meaning your loan will surely be denied. Most lenders look for a higher DSCR — at least 1.25 — with a ratio of 1.5 or even higher being ideal. Even if you’ve been denied a small business loan because of a low DSCR, you may not be able to quickly increase revenue or reduce expenses in order to re-apply.

Working in banking, I know that DSC is the most important driver for loan origination. It answers the question does the Borrower have the ability to repay? Lending is investing in a business. If your business can hit that ideal mark in DSC, then you should seek alternative loan methods, and when you apply for your loan the next time be prepared.

If you need a financial check-up or prayer be sure to contact me.

This week, I’ve included Motivation To Get Up Early- BE UNCOMMON – Motivational Video from the Mulligan Brothers YouTube channel.

“If you think you know it all, you’re a fool for sure; real survivors learn wisdom from others.”

Proverbs 28:26 MSG

Month End: March Snapshot

At month end, I’m so thankful for what God has done. Honestly, it’s nothing that I could do on my own, and I haven’t been able to do what’s happening now in all my years of fighting debt. Including what you see in the snapshot, a term loan, and a credit card balance have been paid to zero. I had to sell an asset to pay off the term loan, but the peace of mind is worth it. Also, we received back our Alabama tax refund, and I’ve been able to increase my savings at an amazing rate. All these miraculous changes are because of my willingness to be open and honest with the one I love the most. It’s freed up something that I was meant to have for a long time. This situation applies to my life, and your situation is different than mine. But I encourage you to not do life alone, and if you need help seek help. Nonetheless have a vision, and a plan to be debt free. Build a space in your life for what it will look like. You weren’t born into this life with credit card and or student loan debt. Somewhere at some point, you may have made a choice to enter debt. But the truth is you can, and you are meant to be FREE. Ask yourself, if the Borrower is slave to the Lender then how can I be both at the same time? Build a budget to know how much you have at the end of the month, and when do your debts have to be paid. Ask yourself can I find a way to make an extra $100 to $200 a month?

Your journey to a debt free me truly begins when you can be honest with your self both financially and internally.

If you want to learn more about how I’m increasing my income while reducing debt, or if you want to have someone to discuss your debt reduction strategy with, or if you need a financial check-up, contact me.

Also, learn more about how I use the self-lending principle through Mustard Seed in the mustard seed section.

“The LORD will send rain at the proper time from his rich treasury in the heavens and will bless all the work you do. You will lend to many nations, but you will never need to borrow from them.”
‭‭‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

Deuteronomy 28:12 NLT‬‬
‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

http://bible.com/116/deu.28.12.nlt‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

I believe in your journey to….

A Debt Free Me

Here’s this month’s video: Motivation To Get Up Early- BE UNCOMMON – Motivational Video from the Mulligan Brothers YouTube channel.