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April 29, 2015 — Leave a comment

It is easy to underestimate the power of putting a number on an objective or goal that is financial. This is highlighted in a classic book on retirement planning by Lee Eisenberg appropriately called “The Number”! (See book review)

Leaving financial goals without a number and a time frame is more likely to contribute to disappointment than celebration.

One of the tools most widely used by us in helping people become financially organised and ultimately independent, is  a form titled “Identifying freedom funds”. You can download a free copy from this site.

Don’t give in to the temptation of postponing completing such a form until you think you have the resources to do so! Filling in the form is the way to make certain that resources will become available! The words of a mentor of mine are ringing in my ears:

“Rather than say – when I have plenty of money it, the reality is, – when I begin managing it, I will have plenty of money!”

So without delay, download the form and start working on the numbers. If you find the form useful, email me and let me know.

A leader’s leader

November 28, 2014 — Leave a comment

Bill Hybels

When the opportunity came to listen to Bill Hybels “live” and not on cassette tape or a video recorder I jumped at the chance. The three days conference I attended in The Cardiff Arena was a turning point in my life.

I left the conference with renewed vision, restored belief and a recognition of the immense responsibility that leaders have no matter what sphere of life they are called on to stand up as leaders.

Since then I have listened and listened to his talks on cd, read the books he writes and attended nearly any conference he speaks at.

There are men you get to respect and admire more than others and Bill Hybels stands apart as a leader of leaders.

Some of the things that stand out for me when I think of Bill Hybels are:

  • His ability to connect as well as communicate

Although he would not regard speaking and teaching as his prime gifting, he captures my attention with his insights and wisdom.

  • His authenticity

His willingness to share his failures and mistakes openly has been an encouragement not a discouragement to tens of thousands of leaders. Vulnerability is a result of being so honest and authentic, and he has been willing to be vulnerable which has made him “real” in the eyes of his peers.

  • His amazing passion

You can’t fail to know what is important to him because of his passion for the things he cares about. His passion for developing diligent leaders, his passion for the church as a community that can change the world and that being far from God is a position to avoid!

I’m careful who I attach the word mentor to! I have no problem in attaching the word mentor to Bill Hybels.

Check out two of his books on Amazon “Courageous leadership” and “Axiom’s”

Ant Lessons

September 17, 2014 — Leave a comment

Image by Jarrod Scott.

As I was typing a short quote in my twitter box, I couldn’t help hearing Jim Rohn sharing the lessons we can learn from the ant! Those lessons are too long for tweeting – hence the blog!

The tweet that triggered the voice of Jim Rohn in my mind was:

“Dig your well before you need the water”

Jim Rohn believed we could learn four important lessons from the ant. They are:

1. Ants never quit. That’s a good philosophy. If they’re headed somewhere and you try to stop them, they’ll look for another way.

They’ll climb over, they’ll climb under, and they’ll climb around. They keep looking for another way. Big lesson! To never quit looking for a way to get where you’re supposed to go.

2. Ants think winter all summer. That’s an important perspective. You can’t be so naive as to think summer will last forever. So ants are gathering their winter food in the middle of summer.

An ancient story says, “Don’t build your house on the sand in the summer.” Why do we need that advice? Because it is important to be realistic. In the summer, you’ve got to think storm. You’ve got to think rocks as you enjoy the sand and sun. Think ahead.

3. Ants think summer all winter. That is so important. During the winter, ants remind themselves, “This won’t last long; we’ll soon be out of here.” And the first warm day, the ants are out. If it turns cold again, they’ll dive back down, but then they come out the first warm day. They can’t wait to get out.They don’t lose hope because they know as sure as day follows night that spring and summer follow winter.

4. Ants do all they possibly can when they can. How much will an ant gather during the summer to prepare for the winter? All he possibly can. What an incredible work ethic, the “all-you-possibly-can” plan.

Learning these lessons from the ant could help businesses survive recessions, families cope with difficult times and all of us achieve more than we would if we ignored these lessons!

So, go on, re read the lessons, write them on a card so you can refer to them often and let them inspire you to –“Dig your well before you need the water”.


Foots reflection in the water


Sometimes I come across people who seem to have their act together to such an extent that I imagine that they don’t have to do the basics any more. They don’t need to make daily choices that are difficult. They’ve arrived. These people could walk on water if that’s what was needed.

I was reminded this morning that even these water walkers are not free from making daily choices if they are to stay on track. The choices that were brought to my attention were:
  • When life gets really busy and the needs of others are crowding in on me then a deliberate choice to find a place of solitude needs to be made.
  • When seemingly legitimate distractions demand my attention I need to intentionally remain true to my purpose or calling.
  • When I have a big task ahead of me, my best tactic is to chose a team to help me.
These reminders were found in a record of a life lived two centuries ago. These records refer to what Jesus had to pay attention to.Therefore it would be foolish on my part to ignore his example.



Image courtesy of vichie81 at

As always, along with a new year comes talk of a new beginning, a fresh start or a second chance. With this I’m reminded of a talk I gave a few years ago titled “The finishing line is ahead”. Recognising this, the direction we run in order to arrive at the finishing line becomes of paramount importance. The obvious encouragement for everyone as we enter a new year must be to face forward. How else will we progress towards our goal? However in my experience too many people are facing backwards even though they know the finishing line is ahead.

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June 23, 2014 — Leave a comment


I came across a word that I hadn’t heard before the other day. It has a definition so I assume it can be found in modern day dictionaries!

Ideacide, n. The killing of an idea by person or persons in a corporate setting.”

I think ideacideis a condition that is found in many more places than merely corporate settings. It’s a condition you can spot in organizations large and small. In churches, families, clubs and societies.

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“If you don’t design your own life plan, chances are you’ll fall into someone else’s plan. And guess what they have planned for you? NOT MUCH.”


If I ever need to capture something in an impactful way then chances are Jim Rohn has a quote that does just that.

Rarely do I come across people who rubbish the idea of having a plan if they want to achieve something. However it’s one thing to recognize the importance of planning, it’s great to have good intentions about planning, it’s another thing entirely to create and implement a workable plan.

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I remember the time when many of the factories in the area of Wales where I grew up came under Japanese ownership and management. The new attitudes, methods and approach were nothing short of a huge shock to the local managers and workers! I remember having a conversation with one of the top executives at that time when he explained to me about the Japanese bosses’ visit to their factory . They had prepared thoroughly for their arrival and didn’t think there was much room for improvement. However, this was not the opinion of the visiting bosses! Their belief was that there was always room to improve.
That improvement might be very small but it was necessary. An improvement in quality, speed, process, safety, leadership or productivity – it didn’t matter what but it needed to happen!

Howard Behar, former president of Starbucks International and I have one thing in common. Our favourite drink at Starbucks is a ‘tall triple shot americano’.

Howard Behar has written a great book that anyone involved in leadership should read, it’s called:

“It’s not about the coffee – lessons on putting people first from a life at Starbucks”.

Bearing in mind that Pedalion is all about reorganizing life around what matters, I was stopped in my tracks when I read the following sentence in the book.


“Caring about people keeps you focused on what truly matters”

When I become the centre of my universe I loose perspective. Initially this is just a small shift, but unless my focus changes then the loss of perspective can be dramatic and damaging.

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Year on year

April 7, 2013 — Leave a comment

happy ny

When does your year begin and when does it end? I hope that doesn’t sound like a daft question to you. I was prompted to think about this because I was trying to make sure that all my clients who take financial advice from me have made all the decisions they need to make before the “fiscal” year comes to an end.

I have other clients who have a different financial year on their minds, their accounting year.

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