Ricardo Lopes is an award-winning author, speaker, trainer, and coach at Advanced Leadership. Advanced Leadership is a creative and enthusiastic group that’s passionate about empowering businesses, and the people in them, to meet with greater success. It lends expertise and support in communications, training, employee engagement, and performance. In essence, it helps organizations, and the people in them, better communicate, collaborate, and generate extraordinary results, both within the organization and with their customers.  Ricardo has held several communications, training and development, and national sales development roles generating perennial record sales performances over multiple decades. Ricardo has coaching, speaking, and training accreditation from The John C. Maxwell Team and licensed access to its training materials. John C. Maxwell is a many time over best-selling author and is recognized internationally as one of the world’s top leadership and management development experts. Ricardo talks about coaching and how it helps improve performance.

Ricardo please tell me a little about you?

I’m a coach, speaker, and trainer at Advanced Leadership. We’re a learning and performance company that empowers organizations and the people in them, to better communicate, collaborate, and generate extraordinary results – with their peers, customers, and the teams they’re privileged to lead.  I’ve worked for almost 30 years in the business and corporate worlds, contributing in several roles such as a national business development coach and communications specialist more recently, and as a sales manager, sales officer trainer, and communication consultant, etc. prior to that.

How do you help executives increase their unique value proposition?

I work with individuals to identify the strengths that make them unique and help them play to them.  No one does you as well as you do you.  When you contribute to areas of strength, results come more naturally to you and you can accomplish far more in that area than someone who’s struggling or not engaged in the task at hand. The trick is to challenge yourself continually, by applying those strengths to new challenges, to ensure you keep growing.  

How important is it for an executive to communicate effectively?

I can’t think of anything MORE important.  But let’s be clear about something, according to the Mehrabian’s 7-38-55 Rule of Personal Communication, words only make up 7% of any message. Voice tonality and body language contribute 38% and 55%, respectively, to the intended meaning of a message.  This is why you can watch two people relay the same request with great variation in how people respond.  There are a number of leadership skills that executives need to develop to better influence, inspire, and generate results.  These are the soft skills that are mandatory and are very accurate predictors of how far any leader will go. No one cares how smart you are, the question is, do you have the leadership skills to influence, inspire, and generate results with a group of uniquely skilled individuals around you?

Is it important to get a little deeper when networking or should we just get the business card?

Less is more.  Meet with fewer people, get to know them, and build trust.  We do business with and create business opportunities for, people we know, like, and trust.  You can have the greatest skills or widget to sell, but if you fail to develop that connection, your business card will meet with someone’s wastepaper basket.  I might be showing my age but I love business cards.  I think they say something about a person.  I like to write two or three things that make that person unique right on the card when I get home and save them. You can only discover that information after investing some time with them. I organize them by groups of people I affiliate with and like to flip through them before I attend an event.  Even with the best of intentions, it’s hard to remember every detail when you meet so many people.  It takes a little bit of effort to flip through these mini cue cards, but the reward is seeing the smile of appreciation on that person’s face when you’ve remembered them and made them feel special.

How important is it for an executive to have balance in their lives?

Very Important. Balance brings a diversity of experience and thought that makes you more valuable to the organization. Balance makes sure you have the energy to endure the crunch. Balance ensures you are clear about your ‘why’.  When you clearly identify what you value outside of work, and allow yourself to participate in those activities or the lives of others, they become inspirations.  They help you find the last bit of gas in the tank that you need, to do what you must, in order to provide the means to continue to enjoy those moments outside of work.

You were in financial services for more than two decades give me some personal advice on finance?

First save, save, save.  Deduct right off your paycheck and learn to live within what’s left.

Second, there’s a great little button on most income tax software, “How much can I borrow such that my tax refund will pay off the loan”.  Now take your refund and pay off the loan you just took to grow your savings.  Let’s say you borrowed five grand and deposited it to your RRSP savings, now you have five grand plus all the growth it’s going to generate between now and the day in retirement when you take it out. All this, for what it cost you in nominal interest charges incurred from the day you borrowed and the day your tax refund was applied against the loan.

How is your coaching unique and helps executives feeling more empowered?

I love that word! If I could describe what we do in three words, it would be “Authentically you, empowered”. I would say my approach to coaching draws a clear line between coaching and mentoring.  They are not one and the same.  It’s troubling to watch pairings of individuals where the expectation is that a poor millennial is supposed to somehow follow, and start emulating, a decorated baby boomer or GenX for example.  I’ve met with success in leadership positions driving sales etc., but it would be a less productive coaching session if I tried to grow a mini-me.  What worked for me played to my strengths and worked in a time and place.  Even if I executed exactly as I did some years ago, the dynamics and circumstances could have changed and hence the same approach, by the same person, executed the same way, isn’t guaranteed to work.  I encourage clients to identify their strengths and play to them, this generates small and large wins that build confidence and momentum.

One other unique aspect I would say is addressing belief paradigms and the battle between the conscious and unconscious mind.  The unconscious is supposed to protect us and keep us safe from the unknown or re-experiencing something that put us in harm’s way.  Sometimes, those belief paradigms serve us well, other times they’re holding us back, and we need someone outside our head to encourage us to push past them. Once we’ve pushed past them and succeed, our subconscious accepts a new normal and will no longer generate the very real physical manifestation of pain, anxiety, etc. in its attempts to discourage us from going for it!

What other value do you bring to help authentically empower others?

I like to describe our company as a passionate and enthusiastic bunch who enjoy empowering organizations and the people in them, to meet with greater success.  How we help, is by lending support and expertise in four key areas; communications, training, employee engagement, and performance.  What we do essentially is to help organizations and the people in them better communicate, collaborate, and generate extraordinary results, both within the organization and with their customers.  As an example, to kick off the new year in 2019, we’re doing training for entrepreneurs and small business that is open to the general public.  We’re helping them craft messages to effectively promote their business in public and close the sale while building their confidence. Many wonderful people are great artisans, service people, or craftspeople, but they are not salespeople and may never be. When you get big enough, you can pass on promoting your business in public and closing the sale of your widget or book to someone else. Until then, you need to get it done yourself, or risk being one of 50% of businesses who fail within the first five years. Often, the failure has nothing to do with the service or product they provide, the challenge is their inability to sell it.  It’s also heart-wrenching to meet a perennial networker whose own inner circle is hard-pressed to describe what that person does!  Even with the best intentions, their inner circle doesn’t know how to promote their fellow networker because they don’t have clear messaging regarding just what they do or sell.  Our event will empower these folks to conquer their fear of public speaking, promote their business and close the sale. Together we’ll craft engaging value propositions, elevator speeches, and on stage / public presentations in a 3-day over 4-weeks experiential learning workshop.

How do you balance food, faith, finance, and family in the 21st century?

Balance to me means you acknowledge the importance of different aspects of a full, and well-functioning life.  That involves setting goals and executing them in each area.  Food is your body’s enricher.  Garbage in, garbage out. Plan and do the work to eat well.  Faith, if you’re blessed with it, will help you better appreciate you’re a spiritual being having a human experience, not the other way around.  That said, take care of your body such that you have a place to carry your inner being, while having the strength and wellness to do, and experience, all that you can on this journey.  Finance is an enabler; it’s not the most important thing in one’s life, but it’s right up there next to oxygen! Family love you, often unconditionally.  It’s hard to find a stronger set of raving fans.  Schedule time together, even if it’s the most mundane “I drive you to x event”, and “mom drives you to y event”.  Put down the smartphone and talk to each other, be present.  Schedule couple time/family time with as much commitment as you would the most important thing you have to do because it is.

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February is Black History Month. Jean Augustine in 1995 passed a motion in Canada’s House of Commons to officially recognize February as the month to honor Black Canadians. I am proud to present Kunle Tauhid. Kunle is smart, intelligent, humble, and someone who works hard, an example of a successful immigrant in Canada.

Kunle Tauhid is Vice President of Financing and Consulting at BDC. The Business Development Bank of Canada (BDC) promotes entrepreneurship by providing highly tailored financing, venture capital, and consulting services to entrepreneurs. As the Vice President for the Financing and Consulting Business in Eastern and Northern Ontario, he is responsible for leading a team of dedicated sales force that is focused on growing existing client relationships and helping Canadian entrepreneurs achieve their goals. Kunle talks about his own journey as an immigrant to Canada.

Kunle, please tell me a little about you?

My name is Kunle Tauhid, from Nigeria, married to Esther and we have two kids, Alexandra (21) and Andrew (19) both students at York University.

Your hard work, persistence is an inspiration to me.  Walk me through your immigration to Canada, the challenges and how you ended up at BDC?

Thanks, Jerry. My family immigrated to Canada in 2002.

I was a professional banker in my native country Nigeria where I obtained a Bachelors’s degree in finance and a master’s in banking and international finance from two elite Nigerian universities. Canada is an international hub of immigrants and professionals but luckily, having come from a Commonwealth nation it was easy to get my degree accredited and recognized as an equivalent to a Canadian university, through the University of Toronto.

I had a challenge getting into the system and getting senior leadership roles. In Nigeria, I had a decade of experience in banking, of which the last 3 were in leadership roles. It was a humbling experience, which I am thankful for, to have had to start from scratch again being given an opportunity to work for RBC as a bank teller. My last role in Nigeria was as a Manager responsible for a team of professionals with all the perks such as an official car, driver, return tickets and spending allowance to Europe for vacation.

Talk a little about your faith and how it helps you daily?

As an immigrant to Canada required taking a leap of faith for both myself and my wife. We had and have no immediate family here and relied on mostly information from friends who had come earlier. Our faith in God and the comfort of knowing that we had a Church family to come to through the International Church of Christ of which we were members in Nigeria helped a lot. The Church community here helped us a lot in our initial settling down and finding resources for us and the kids. I have to confess that the transition of my career was tough. I was able to overcome the challenges, learned humility through Christ. I had highs and rejoiced and lows and I cried. However, a great combination of hard work, positive attitude, and determination never fail.

Give my audience three tips on their household finances?

First, don’t spend what you don’t have. As an immigrant to Canada coming from a cash environment taught us this lesson early.
Secondly have a budget every month. We have been married for over 23 years and never gone a month without writing out our budget. A budget that is not documented is not a budget. It saves you a lot of stress
Third have a backup plan. Save for the rainy day.

How important is it for someone to maintain their credit rating?

In North America and indeed most credit-driven economies a positive and good credit rating gives you access to opportunities. Not only do you need a good credit history for access to financing but you also need it to earn your income. Today employers as part of due diligence use one’s credit history as a determining factor to hire as it speaks to one’s character. Landlords use it to determine if one will be a good renter. I cannot overemphasize the importance of a positive credit rating and history. And there are very simple tricks to maintaining that.

Explain the different kinds of credit ratings?

In Canada, Equifax and TransUnion are the two major rating agencies and the higher one’s credit score the better their rating. They range from poor, fair, good to excellent. Good to excellent give you better access to personal and commercial credit facilities

How has becoming a husband changed your life?

Becoming a husband has made me a better man. I have been blessed by God to have a beautiful and God-fearing woman, Esther as a wife for 23 years. Lessons in humility, listening, caring, extending grace, giving people a benefit of doubt and most important having someone to share with have come from being a husband. Despite being the finance “man” of the home, the discipline of having a budget came from my wife even before we got married. I made a lot more money than her but was always broke before the next pay cycle. It was my wife (fiancé at the time) who introduced me to the concept of budgeting and since then we have not looked back.

Has your approach to life and finances changed after having children?

Not at all. With life, God comes first and we teach our children to understand the same. The values that were instilled in us by our parents, we instill in our children. The financial discipline we had before having children is what we still maintain and our kids see and luckily are embracing those values as well. They understand that credit card is not free money and is used to create a positive credit history. My daughter has a credit card but uses it to make purchases that she already has the cash to pay for and as soon it is done, she transfers money to pay off the balance even before the statement arrives.

Give new immigrants some tips, advice on how to become successful like you?

Canada is a great country and every employer wants to hire and grow with employees that will help them succeed.

As an immigrant to Canada, do not be intimidated by the color of your skin, your accent or foreign degree. This is a beautiful country that is inclusive and embraces diversity. Be confident in your abilities and skill set. Be humble. Your first job may not be the high-power job you had in your country. Take your entry-level job as your door opener that will enable you to prove your mettle and capabilities. Come daily with a positive attitude and can-do mentality. Do not settle. Do not join water cooler conversations at work. Focus on your job and give it your best daily. Your employer and manager will reward those that help them succeed. Develop yourself professionally at an earlier opportunity and keep learning and taking personal lessons. There are many free resources that can help you to be better at your job. Give back. Volunteer, be part of your community.

Most importantly hold on to your faith. God and your faith that saw you through and brought you to this country don’t change.

When we move to a new country, we need to acquire a new skill set, explain what it means to do that for the corporate world?

As an immigrant to Canada, we may never get a job exactly in the field we were in, so it is important to be open-minded. For example, my wife worked in a PR agency in Nigeria but we found out quickly that the setting was different here and so we acted quickly after trying for a couple of months. She looked at other options for a career that she would enjoy. Since she liked working with kids and had lots of fun in our Church’s children’s ministry decided to go back to school to obtain an Early Childhood Education certificate in one of the colleges here. A job was waiting for her as soon as she was done schooling and she had a good career working for YMCA starting as a daycare teacher and rising through the ranks to a manager and then Director before leaving for another opportunity.

Tell me little about your culture, and where can I find good Nigerian food in Toronto?

I am from the western part of Nigeria of the Yoruba tribe. What we call Naija proper.  There are a few good Nigerian restaurants in the west part of Toronto, especially on the Jane street axis and Weston road. There is also a popular “suya “joint in the Etobicoke area.

As an immigrant to Canada, how do you balance faith, family, finance and food in the 21st century?

The 21st century is a fast-paced era in every aspect of life. With advanced technology, family dynamics have changed. Gone are the days when as kids fun was all outside playing soccer, running around, playing in the rain. As an immigrant to Canada and to keep one’s sanity there has to be balance. I have to remember that creation was set by a higher power and our wisdom with which we make things happen here is superseded by a higher power. I remain grounded in my faith.

The post How to be a Successful Immigrant in Canada appeared first on Four Columns of a Balanced Life.

What is Advent?

Advent is derived from adventus which in Latin means ‘visit’ or ‘coming’ of something very important. Christians focus on the advent of Christ when He was born in Bethlehem and the second that is yet to come.

Advent Calendar

The start of Advent is exactly four Sundays before Christmas and it ends on Christmas Eve. Christmas starts on Christmas Eve and ends on January 6^th.

The themes of advent

Advent has purple, dark blue, and pink themes attached to it. The purple or dark blue represents royalty, nobility, repentance, and seriousness. Jesus was of royal lineage from the house of King David. Joy is a small motif in Advent and is represented by pink. Red, green, white, silver, and gold are linked with Christmas and the weeks leading up to it. White represents holiness, joy, and light and is the correct liturgical color for Christmas.

For Christians who follow Advent, the first, second, and fourth Sundays of Advent are purple and blue Sundays. The third week is pink Sunday. The jubilant color of pink is a reminder that Advent makes Christians eager for Jesus Christ, the Son of God who came to us the first time in the flesh.

Christmas is the celebration of the humble birth of Jesus Christ to the Virgin Mary in a barn in Bethlehem.  The angel appears to the astrologers and tells them to visit the newborn king. They bring gold, frankincense, and myrrh as gifts. Therefore, at Christmas in churches, you will see a barn, with Mary, Joseph, and Baby Jesus in a cradle, animals, and the three wise men. On top of the Christmas tree is a star. The angel that appeared to the wise men told them to follow the star and that will lead them to Jesus.

The time-honored customs of Christmas that include feasting, lights, mistletoe, giving gifts, and the Christmas tree have no biblical roots and are secular. Santa Claus comes from Saint Nicholas of Myra, in Greece who was known for his generosity towards the poor people.

The look of Santa Claus comes from Germanic folklore and Scandinavian religions that existed in Northern Europe. The Dutch pilgrims who came to the United States in the seventeenth century brought Sinter Klaas the Dutch legend and this became the American version of Santa Claus. Americans adopted this concept into Santa Claus, who comes from the North Pole on a sleigh and gives gifts to good boys and girls on Christmas Eve.

For Christians, Christmas embodies the spirit of giving. It is a time to celebrate with family, and friends and to give money and time to charities.

Advent Wreath

The artifact that represents Advent is a wreath. It is a circle of evergreens. There is one white candle in the middle, surrounded by four candles, three purple, and one pink. The wreath is in the shape of a circle that reminds Christians about the unconditional love of God and his endless mercy. Hope is represented by the greenery of the evergreens.

Advent Candles

The purple candles are lit on the first, second, and fourth Sunday. The pink is lit on the third Sunday. The white is lit on Christmas Day. Once the candle is lit, then certain scripture is read from the bible about the coming Messiah. The previous candles are also lit. So, on Christmas Day all five candles are lit.

Origin of Advent

The historical origin of Advent is from the fourth century. The Bishop of Turin in 415 AD and the Bishop of Arles in 502 AD mention preparation for the birthday of Jesus Christ. It became official when a synod was held in 581 AD at Macon in France. The synod proclaimed five Sundays but was reduced to four Sundays by Pope Gregory VII. Various synods came later regarding rules and regulations and the final one restricted the celebration of marriage during this time. In 1720 AD at the council of the Ruthenians, a fast was ordered for Advent.

Christmas

Christmas is Christians celebrating the all-powerful enigma of God coming to earth in human flesh.  God becomes a man and dies to save mankind from sin and death. Christmas is twelve days to focus on how Jesus Christ revealed Himself to mankind.

December 26^th, 27^th, and 28^th are called witness days. In Acts 7:54-60 St. Stephen is the first Christian Martyr. He was stoned by a crowd. December 26th is in honor of St. Stephen. December 27th honors St. John who was an Apostle and Evangelist and who wrote the Book of St. John in the Bible. John was the closest friend of Jesus and the disciple who was inspired by the Holy Spirit to write the book of John. December 28th is in memory of the baby boys killed by King Herod in his endeavor to kill Baby Jesus.

The three do not have anything in common but help Christians understand Christmas better. St. Stephen died willingly to defend and preach the gospel.  Apostle John endured hardship, exile, and persecution because of the gospel. Innocent kids were killed by King Herod. These three days remind Christians that we live in a broken and sinful world. Christ was born to save mankind. He suffered, was crucified on the cross, and died for the sins of mankind. It is also a stark reminder of how powerful and dark Satan is.

The Eighth Day of Christmas is a tribute to the circumcision of Jesus Christ as per Jewish law. It is at the circumcision that he is given the name of Jesus formally. This is important for two reasons. In the Book of Genesis 17: 1-13, circumcision is a clear sign of God’s promise to Abraham and his progeny. When the flesh is cut and blood is spilled it is a prediction of Jesus Christ dying on the cross for the forgiveness of sins. The second is in Matthew 1:20-21 where the angel tells Mary that her son will ‘save people from their sin’.

The birth of Jesus is mentioned in two of the gospels and by the 4^th century was celebrated on December 25 in the Julian calendar and January 6^th as per the Gregorian calendar.

Photo Credits:  Waldemar Brandt Vidar Nordli-Mathisen Julian Hochgesang  Kelly Sikkema Debby Hudson Carolyn V Jon Tyson Mateus Campos Felipe  Sandra Grünewald  Gian Reichmuth Max Beck Dan Kiefer Nine Köpfer  Ben White Jude Beck  Aaron Burden

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