Brett Jolly’s Daily Thought (“Helping out a friend”)

I got a call the other day from one of my best musician friends. He is a drummer and his name is Ray C. Williams. He is talented and gifted, and he has performed for big name celebrities including Billy Paul and Stevie Wonder. Ray has been able to accomplish this since being “blind from birth.” This handicap effects more than just his sight. While he is an accomplished drummer his inability to see directions has cost him many gigs in the Philadelphia and surrounding areas, particularly from those who labeled him before getting to know him. Ray can actually “feel” when a song is about to change or even end. His senses are acute and he makes up for his sight with how well he hears. Ray told me that he has the opportunity to move down to Florida to play with a band that works just about every day. He will do what he does best and make a lot more money with a group who appreciates him without labeling him. He knows this is the best opportunity for him and he is truly excited about it. He is also extremely nervous about it. He doesn’t have much money and he can’t see, so he won’t know his way around. This would be a tough move for most people with sight, and yet Ray knows that he will be on his own. Ray started a Gofundme page to help him raise money for his move. I am not quite sure of how well this thing works but I have heard of several people using it to help raise funds for different needs. I told him I will do whatever I can to help him so today I am posting his account for those who wish to help such a talented musician. Please keep in mind that we all will face adversity in life, and sometimes the unknown can be frightening for most of us. This is a “big leap of faith” for Ray, but it is one journey that he “must” make. The people who were helping him get around here will not be with him in Florida, so he will have to make new friends and acquaintances, all while adhering to a new way of life. For those interested (I hope I am doing this right) here is his account:

https://www.gofundme.com/blind-Achieve-Dream

In life we all need a little assistance now and then. I am sure he will welcome any donation he can get, no matter how small. Life transitions can be tough on us all, but his special circumstances only add to the monumental task ahead of him. He is my friend and I wish him well. I will miss him, but I understand what he has to do. Thank you for checking out my Daily Thought and as always I wish you the very best that life has to offer.

WWW.Brettjolly.com

Email: Brettjolly@aol.com

Skype: Brettjolly1

Aretha Franklin onstage with Brett Jolly

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Brett Jolly’s Daily Thought (“Finances”)

Just about everyone has bills to pay. That means that you have to take whatever amount of money you make and try to live comfortably (after supposedly paying your bills of necessity). I have heard many people complain about not having enough money. No matter how much money you make you still need to pay your bills. The problem is not about how much you make. In most circumstances it is about how you “manage” the money you make. Are you one of those people that buys luxury items for yourself first before spending on things like rent, food and shelter whenever you make some extra money? Do you have lots of credit card debt? The first thing I would advise anyone to do is to “examine your finances.” In other words, take a look at what you make, what you have to pay each month, the times you have to pay them, and what you can do without. “Time” is essential in paying bills because in order to increase your credit you need to pay your bills in a timely manner (plus you want to make sure everything is synced up with your payment schedule). If you have a credit card that may have a balance of a couple hundred dollars (that might have payments of 25 dollars a month) then you should try to pay it outright. Once you no longer have to pay that money then it is the equivalent of getting a 25 dollar a month raise (because instead of paying that money, you are now saving that money instead). If you don’t have enough money to pay the balance off at once then just devote smaller payments to it each pay period until it finally goes away. Once that bill is gone then find the next credit card and overpay on that one until it disappears too. Each time a card is paid off then your budget gets bigger. While you are at it, take a look at the purchases you make and see if there is anything you buy continually that you can actually “do without.” Anything that you can sacrifice means a raise of money in your budget. For example, if you smoke cigarettes (at a cost of 10 dollars a week) then once you stop smoking you will make 40 more dollars a month. No matter how small the cost of an item may seem it still adds up over time when you sacrifice that item. A good idea would be to take a piece of paper and just jot down what you spend. Make sure to include everything. Then examine that list and see if there is “anything” you do without. If you have a high car payment you might be able to “refinance it and make your payments lower.” For my car payment I always pay “more” than the monthly payment because once I pay it off early my budget will increase “significantly.” Examine the details of your car loan as well because making a payment earlier than the due date might save you some interest charges. Each person’s budget is different. Only you know what you need and what you can do without. Take a look at “how and what” you are spending and see if you can find a way to make a difference in your own finances. You might be pleasantly surprised at what you can accomplish. Thanks for checking out my Daily Thought and as always I wish you the very best that life has to offer.

WWW.Brettjolly.com

Email: Brettjolly@aol.com

Skype: Brettjolly1

Singer Jill Scott in concert with Brett Jolly on bass guitar

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Brett Jolly’s Daily Thought (“Red Bass guitar photo shoot with Tieshay”)

Tieshay is a young woman who had never tried modeling before (but she told me that she has a strong interest in doing modeling work). She wanted to know if she could try pictures so we scheduled a small session. Now I think she is “hooked on it.” She wants to try more (so we may be seeing more of her in the near future). Her expressions are good. Her smile seems natural and she seemed to feel very comfortable in front of a camera. She admitted that this was her very first photo shoot. Judging from the results I highly doubt it will be her last. I hope you enjoy her pictures. Thank you for checking out my Daily Thought and as always I wish you the very best that life has to offer.

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