Business Mind

michael-longmire-689531-unsplash

Making sure my business work for me means knowing what my money is doing every day. Photo by Michael Longmire on Unsplash

Money and how I use it has been on my mind for the past few weeks and the next money related item in my agenda to tackle is my little side business. I have it on a separate account at the bank, but I think I need to make some changes.

Mr. Divine found me one afternoon making notes I’m going over the paperwork for the company.

“What’s up?” he asked sitting down next to me.

“it’s not so much that something is up but that I would like to set things in place so if that the money that is made by the company is allotted usefully.”

Mr. Divine urged me to explain what I had in mind. “I want to establish a salary for myself and the children so I can take the money that comes in and invest it like you do. I have some money that I put into an investment a while back but I have not added to it.

He listened as I continued to explain my overall vision. From there we started to toss ideas back and forth as we looked at the company’s income and what was the best course of action. By the end of our pow-wows, I was truly happy with the ideas we came up with and the decisions we made.

With a solid plan in place, we made appointments to go to the back and put systems in place to transfer the money to the various organisations where I needed them to go. We also took out a lump sum from the account to start the rotating investment plan that Mr. Divine explained to the children.

We visited the various financial companies that we planned to use and started the accounts that were needed. To do the three month rotation we figured out how to get things done while we were travelled and it was not as difficult as we initially thought.

“I’m so happy that we got that done,” I told Mr. Divine as we walked through the car park.

“Me as well,” he said pulling me closer. “Now we just have to look at the business and see if  there are any major changes you want to put into place before we have to leave and take the children to school.”

“Back to some major brainstorming to see what possible ways we can maybe up the business,” I said with a smile.

“Brainstorming. That is always non-stop fun. Let’s get going,” said Mr. Divine as we got into the jeep and headed home.

Advertisements

Money Lessons

markus-spiske-484245-unsplash

I had so much to learn about money and how to make it work for me. Photo by Markus Spiske on Unsplash

I came home from visiting Noel to find everyone in the kitchen cooking. We got to talking and after I told them about the incident that happened while I was as Noel’s. It prompted a lesson about money and how to make it work for you. The conversation had the children’s full attention and when we sat down to dinner that was when the back and forth started.

As we settled down to dinner we continued to talk.

“So dad, explain how you made your money work for you?” urged Shane as we sat down.

“Well they are several methods,” he stated to tell us. “ Some low risk, some middle risk and others insanely high risk.”

“Which ones do you use?” asked Kyla as she poured salad cream dressing over her veggies.

Mr. Divine laughed. “All of them.”

Kyla smiled at his comment.

“I rotate my money between stock market investments, high yield accounts, money market and treasury bonds. I set money into fixed, high-interest accounts in cycles or fixed deposits.”

The kids looked at Mr. Divine confused as they waited for more of an explanation.

“So I have a business from which I get a monthly salary. From that, I established a budget. What I need to send each month to pay bills and survive and a little fun money. Then I have the money I plan to save and use for investment. I also have an emergency fund.”

As we ate he explained more. “For me, a cycle is every three months. I take the money I saved over three months then divide it into sections and invest it. Some I put into investments that mature in five years. Others go into the money market, another set into the stock market.”

The children sat there listening, and I could see Kyla had on her thinking face.

After Mr. Divine paused she started with the questions.

“So you have your investments set up that after the initial investment period you get a lump sum coming at you every three months. You can then re-invest it as is when it matures or add on money that you set aside to invest.”

Mr. Divine laughed in delight. “And you, my dear, are thinking like a successful business person.

We spent the rest of the night talking about investing and investments. How to manage them. The risks of the stock market. Making smart investments. Overextending yourself. It was an educational night. Not just for the children but for me as well.

The next day I dragged Mr. Divine with me to the bank. We looked at my account and the children’s accounts. Next, we removed three-quarters of the money from each account and make our way to the credit union and investment broker. It was time to make our money work for us.

Bank Battle

rawpixel-255080-unsplash

Noel going to battle with the bank over the phone. Photo by rawpixel on Unsplash

I watched Noel as she called the bank number she found in the telephone directory for what seemed like the tenth time. After the fifth call, Noel put each subsequent call on speaker for me to hear. She pressed various extensions to try to speak to someone but the phone just kept ringing.

“Now tell me if this is right. They take my money for the slightest thing but I can’t get anyone to answer the phone.”

“That is just wrong,” I reply as the phone just kept ringing in the background.

“I have an idea,” said Noel. She quickly dialed the number for the bank again but this time when the recording came on she pressed another extension number. After two rings there was an answer.

“Wealth management. How may I assist you?”

My mouth dropped open and Noel flashed me a huge smile. Then to my shock, she started speaking with a thick English accent.

“So, for me to speak to someone I must be wealthy because I’ve been calling the number for this bank more than fifteen times in the past thirty minutes. I’ve pressed every extension trying to get someone and this is the first time someone has answered the phone.”

The bank worker started to do the usual spiel, apologising. Seeing how she was sorry this And that while Noel in her thick English accent let her have it. I was hard-pressed not to laugh at the exchange I was hearing but by that time she was done, I fully understood her displeasure with the bank.

The person Noel got on the phone was at a totally different branch from where she banked and she needed to be transferred. Again I listened and all my head kept screaming was that the woman on the other end of the call was telling lies. As far as I was concerned each bank worker we encountered so far displayed massive content, like how dear we call them to complain. Even though they talked a good roll, it became obvious it was nothing but rehearsed words. By the time Noel got off the phone she still hadn’t gotten her problem fixed.

“No, my real question is why do I need a bank because as far as I’m concerned they do nothing for me. All they do do is take my money. I’m over it. It’s time to find a better way to operate,” said Noel.

“You have a good point,” I said nodding my head. “I’ll have a little chat with my hubby see what he says.”

“He’s rich. A businessman. Banks approach him differently. It’s just Joe-public who has to worry nowadays. They are raping us and not even hiding their faces when they do it. Protect your money Lindsay. Get it out of the bank.”

“I’ll talk to Mr. Divine.” I assured her.

After that drama, we went back to talking about random stuff having a good time but what Noel said why still on my mind. I was going to talk to Mr. Divine for sure. This was going to get interesting.

On Notice

nathan-dumlao-480726

I love to just to be with you. Photo by Nathan Dumlao on Unsplash

My trip to see Mr. Divine extended into the next week and as such, I had a deal with Lorna and each encounter was just as bad as the first one. If she wasn’t shooting me dirty looks she was dropping nasty remarks about how I looked and that I made her boss marry down. That Mr. Divine must have hit his head when he decided to marry me.

I looked at her and said nothing as she continued to try to make me feel uncomfortable. I didn’t want her and her horrible attitude in any way connected to my husband or children and I planned to let her fashion her own fire to destroy her own career.

Recording what she was saying and taking it to my husband would have been easy but what was the fun in that. No, Lorna was going to be lead on a twisted dance called don’t mess with the boss’s wife cause she will rip you a new one. When I was done she wouldn’t know which way was up.

First I looked on the Internet to get a list of the recruitment agencies in the area then choose two and got started. One of my talents had always been the ability to mimic voices and after getting my throat warmed up I called my husband’s office.

“Good morning I’m calling from McHema Recruitment to discuss the candidates for the PA position you asked us to advertise for.

There was silence then a slow voice answered. “Job for a PA? Ahhh…I wasn’t aware we were looking for someone. Are you sure you have the right company?”

“Of course I’m sure. This is a follow-up call updating our client with regards to our progress. We have ten candidates we shortlisted and we want to discuss second round interviews.”

“We searched around individuals we had previously head hunted that are looking to switch positions. It was requested we move quickly as there was a time element involved. It there someone I can speak to?”

“Ahh…the boss is not here right now but I’ll give him your message.”

“Thank you very much. I’ll also call you again a little later.”

Lindsay disconnected the call and relaxed back against the lounge chair. Looking up she smiled as Mr. Divine walked towards her with two cocktails in his hands.

He put them down on the side table and sat down on the towel next to me.

“I know that naughty smile. What are you up to?”

“Nothing. Just stressing out you PA because she keeps being rude to me.”

“Lindsay,” he growled. “What did you do?”

“Make her think you were recruiting someone new for her job.”

He shook his head and gave her a rough kiss. “You are so naughty.”

“No, I just learnt to fight dirty. Now it’s to see what happens tomorrow.”

Mr. Divine settled back against her. “We’ll see.”

With You

chris-lawton-165884

Lunch with my sweetheart. Photo by Chris Lawton on Unsplash

Mr. Divine dropped the basket with his lunch onto his desk and pulled me onto the couch and into his lap.

“I missed you so much,” Mr. Divine whispered against my lips before he held me closer and pulled me to almost straddle his lap. Okay…I was straddling him and it felt good to be in his arms after so many weeks.

“I miss you too,” I replied and fell into his kisses.

“When did you get here? Where are the kids?”

I relaxed against his chest as I told him. “ I came in about an hour or two ago. The kids are having a sleepover at their friend’s house, then I heard them mention something about Sunday at my mom’s house. They chased me out of the house.”

Mr. Divine laughed. “When those two put a plan in motion they fight tooth and nail to see it happen.

“Yes, they do.”

He twined his finger into my hair an pulling me close. “So you bought me lunch.”

“Yes,” I said getting up from his lap and going for the basket. I placed it in the middle of the couch and flipped it open.”

He peeked in sighed with pleasure. “My favorites. This is just so amazing. Thank you, honey.”

We settled in and started to eat and stayed there talking and enjoying each other. The time kept ticking away and we don’t care we just were happy to be with each other.

We didn’t know how much time we spent sitting there on the floor but after a while, there was a knock on the door.

“Come in,” Mr. Divine shouted and his PA Lorna opened the door and moved into the room slowly. She looked at our picnic spread out in front of the couch and me cuddled against Mr. Divine’s chest and turned up her nose.

“You got several calls sir. What do you want to do with the messages?”

“On the desk is fine. You can also leave for the day.”

She looked at us then shrugged and left and we went back to being engrossed in each other.

 

Oh Really!

mari-lezhava-418317

Happy to see my hubby.  Photo by mari lezhava on Unsplash

Throwing back her head Lindsay started to laugh uproariously. With a smile, she took her picnic basket off the secretary’s desk and moved into the corner and sat down.

“Madam you might as well leave. The boss is busy all day,” she said.

Lindsay smiled and took out her phone. “I’ll just send this little message first if you don’t mind.” Lindsay crossed her legs and got comfortable.

“In fact, I do mind. I’m going to have to call security.”

“Just checking. You did hear the part when I told you I’m here to see my husband.”

The woman got up and rolled her eyes. “As if my boss would be stupid enough to marry someone looking like you.”

Lindsay looked at the woman in shock when she heard her comment taken aback by her blatant rudeness. Just then a message came through on her phone and after Lindsay read it she sat back down with a smile.

“Why are you sitting down? Get out of here woman. As if you can make me believe my boss married you.”

“Lorna! Why are you speaking to my wife like that? In fact, why don’t you call me and let me know she was here?”

The woman looked from Mr. Divine to me then back. “No way. There is no way you are married to her.”

Mr. Divine walked out of his office towards me, pulling me into his arms and floored me with a long, deep kiss. It took me so by surprise that I ended up clutching his shirt and I didn’t even know when I did it.

“Mine,” he growled pulling me closer. Then he turned and looked at Lorna and she backed away slowly.

“If you ever disrespect my wife again you better start looking for a new job.”

“Yes sir, okay sir.” She moved around her desk and sat down watching as Mr. Divine leaned in and kissed me again. After he raised his head he gave me a heated look, took up the picnic basket and dragged me towards his office.

“Hold my calls,” he said to Lorna as I trotted after him. Then she slammed the door shut and locked us inside.

 

Blocker

jakob-owens-209005

I need to see my Mr. Divine. Photo by Jakob Owens on Unsplash

I’ve been telling you all about what’s going on in the children’s lives but I haven’t told you about what is up with me and Mr. Divine. He has had to travel quite a bit for the past few months and like always I miss him like crazy. When he is not here we talked every day, sometimes three or four times a day. He tries to keep his trips short but sometimes they ran longer. Neither of us like when we are apart for each other for long periods of time but it happened.

After one of his trips started running into three weeks I started planning a weekend trip to slip over and visit my man. The kids said they could spend the weekend at either their aunt or at one of their friends but they wanted me to go on this trip. Quickly I arranged everything and took a flight to were Mr. Divine was staying. I went to our home and put down my cases then moved away to his offices.

I arrived armed with a picnic basket for lunch to see my man and when I get the main entrances of his office I saw he had a new secretary and sighed. This was going to be interesting. As I walked closer I watched the woman’s face and noted the way she was looking at me. It was not an inviting look and I had a feeling she was going to a pain when I asked to see Mr. Divine.

“Good morning. I’m here to see Mr. Divine. I’m his wife, Lindsay”

“Do you have an appointment?”

“No,” I gave her a long look. “My visit is a surprise.”

“Well, I’m sorry. You can’t see him.”

First Date

 

phuoc-le-330455

“Mom he bought me flowers. Flowers.”  Photo by PHUOC LE on Unsplash

The young man standing in the door was a handsome boy and when he saw my daughter walking towards him he broke out into a huge smile. From behind him, he pulled out a bunch of flowers.

 

“These are for you,” he said handing my daughter a bouquet that consisted of a combination of mixed flowers.

Her smile got wider. “Thank you,” she whispered then turned to be awestruck.

“Mom he bought me flowers. Flowers.”

“Yes he did,” I said. “Let me take them and put them in water.”

Taking then I moved towards the kitchen, pleased he had made such an effort. When I brought back the flowers I placed them in the middle of the coffee table which was between Radley, Kylie and Mr. Divine who was sitting along with Radley’s father. Mr. Divine had exercised his slick investigation methods and whatever he had discovered had him smiling.

“Honey, they are going to watch ‘Wonder Woman’,” he said. “That should be interesting. I can hardly wait to hear how it was.”

By the time the conversation was completed, the decision was made that we would pick up the kids at ten o’clock to drive them home.

When they left Mr. Divine flopped back into the couch like a marionette whose strings had been cut.

“Watching her walk through that door felt like I was getting the skin ripped off my body with tweezers,” he gasped pulling me into his arms and holding me tight.

I understood his pain. “Me too. I feel like rushing out of the house to follow them.”

I laughed holding him tighter. “Please don’t put ideas into my head because I will be more than tempted to follow them.”

Getting comfortable I closed my eyes and let Mr. Divine hold me. Ten o’clock was going to take forever to come but until then I would let my little girl enjoy her first date.

Date Prep

 

artificial-photography-119298

We found the perfect outfit. Photo by Artificial Photography on Unsplash

With permission granted, Kylie and her young man have chosen where and when they plan to go on their date. The plan is he would pick her up from our house to go out, then we would pick them up from where they ended up going to watch the movie. My young lady was beyond excited about the upcoming day, and after we had a talk and got a new outfit she became a lot more settled.

We got her a cute peasant top with blues and reds that she planned to wear with jeans or the new pants we got to go with it. When the afternoon came, Kylie came to me and hugged me tightly. “Help me get ready,” she begged, trying to keep her excitement under control.

“You’ll be fine. Go start getting ready and I’ll help you finish.”

She tried not to rush off to start but in truth she did and after about half an hour she came back dressed in the shorts and top we had bought.

When she stepped out of her room and walked down the corridor to me I was blown away. I had to fight not to cry.

“You look so beautiful baby,” I hugged her tight then sat her down.

“You don’t need makeup but we have that really pretty lip gloss that we bought when we went shopping.”

Together we sorted out a hairstyle then did her face with a light dusting of translucent powder and the lip gloss.

“Perfect,” I said sitting back to see how she looked. “All ready?”

She gave me a shy smile. “All ready. Thanks for helping me mom. It may not look it but I’m so nervous.”

“Just be the amazing you that you are,” I whispered to her as there was a knock on the door. It was time for my baby to go on her first date.

Telling Them No

cooper-smith-394073

‘No’ means ‘No’. Photo by Cooper Smith on Unsplash

As Kylie and I kept talking I switched to a delicate topic that needed to be addressed even if I didn’t want to bring it up.

 

“Do you remember the incident that caused us to transfer you to your new school?”

“Yes,” she whispered. It was a topic she wasn’t fond of but she knew what I had to say was important if I brought it up.

“It’s not always guys that you are not involved with that don’t understand or listen when you say no, but also some guys that you like and you go out with on a date sometimes think they have the right to take more than you are willing to offer. If you say no, say it and mean it and make sure anything you don’t like comes to a stop.”

She looked at me with wide eyes and bit her lips. “That is why we insisted you go for a refresher self-defense course. If you say no and someone does not listen. Make them understand ‘No’ means ‘No’. Don’t hesitate. Do what you must and find help at once.”

The conversation and the questions continued for the rest of our outing and by the end of it all, Kylie understood more about sex. The lies people told about it and to get it. The need to understand more about her body and the fact she should always listen to it and take note of its reactions. I explained that she had a lot to learn and I was here, ready and willing to answer any question she had.

I knew Kylie was a thinker but I was aware how easy it was for a smooth-talking boy to turn your head. After all, it happened to me. Time will tell and it is up to her. I just want her to have a better experience than me, so I’ll equip her as best I can for what may come. In this day and age it was the right thing for any responsible parent to do.