I have two banks that I do business with. One of them is Bank of America. I use this bank not because they are the best at what they do. I use that bank because they have an agreement with Intuit payroll system and I am able to run my payroll for my employees every two weeks in literally five minutes max. I am able to get the payroll service for free, given my relationship with the bank. There is a monthly fee that I think is $35 but they waive that fee for me. Either way, is way cheaper than paying an accountant or payroll company. My CPA does not do payroll which is fine anyway because if he did, it would not be cheap. He is not the cheapest CPA in town. I don’t buy cheap, I buy intelligence and experience.
You may be asking yourself what does the subject of this blog post have to do with a bank. Well let me tell you what happened to me this morning. I have a small loan with them. It is not a big loan. But this morning I called to get some help with a question I had. I called the Business line, went through the process of imputing my account number and all the information. After a few minutes on hold, a lady picked up the phone. “Hello, my name is Vickie” she said with a voice that kind a gave it away how the conversation was going to go. I explained to Vickie my situation and what I needed help with. I was quite thorough in my explanation. Vickie sounded like she had just woken up and was not completely there. She would mumble and say things that were not one bit understandable. She gave me a few instructions here and there after I had to repeat my original issue to her. Then she gave me another number to call, which was odd because I was calling the business line of the bank.
After a while you come to realize that it is best to just thank that person who is supposedly to trying help. Clearly, you know at the end of the day, they will not help you. So I thanked Vickie for her help and for providing me another number.
I did what I usually do in these situations. Pick up the phone and dial again in the hopes that the person who answers is not the same person I was talking to. In this case I had my fingers crossed thinking, please don’t let it be Vickie, please don’t let it be Vickie.
“Hello and thanks for calling Bank of America Business Banking. This is Mollie. Could you please provide me your first and last name and the name of your business?” I immediately thought to myself. Now we are in business. After I gave Mollie the name of my business she asked me for the main phone number and my mobile number. She said she was going to text me a code for security reasons to confirm the account.
What a difference a person makes. Mollie was able to helped me within minutes and was just professional, respectful and courteous. For kicks, I informed her about my experience with Vickie. After a brief laughter, she apologize to me for the experience I had with Vickie.
This brings me to the attitude part of my blog post today. If you want to attain financial independence and reach the ranks of 1% of income earners in our great nation, it starts with your attitude. Just like in real estate they realtors tell you it is all about location, location. The same can be said about finances and wealth, it is about attitude, attitude. I could just picture Vickie’s lifestyle. I could just picture her moving around from one bank to another bank, from one job to another job. Not stable and living paycheck to paycheck.
The same applies to your finances. If you think that you will never make it. You will never be able to save $1,000,000 before you retire. You will never be able to save 25% of your income for your retirement account or your investment account. You will never be able to buy a property to rent. If you start with that attitude every morning and every day you wake up, you will always not make it. I am blessed to be at the 1% of income earners in the USA. It was not easy. Sure. But in all my jobs and careers, I have always given it my 100%, my best. Even when I knew that I was underpaid or was given a task I just did not like. I never complained. I took every opportunity as a gift and made the best out of it. The way I see it, if I am given a job, I better learn from it and deliver the best I can so that the next time around I can move up to learn something more challenging.
I can only picture Vickie at BofA asking for a promotion. You better believe her managers and upper management know about her lack of dedication and attitude. She is not going anywhere. The Economy Chief hopes that you, yes you, who is reading and following my blogs is not like Vickie. Well the fact that you are here tells me you are not. You will make it. Remember is attitude, attitude.
Here are my recommendations about attitude:
- Always Give it Your 100%
- Never Complaint
- Learn From Your Experience
- Take On More Work Than Is Given To You
- Never Play The Victim Role
- Never Blame Others For Your Failures
- Be Original and Do Not Copy Others
- Every Morning You Wake Up Ask How Can I Make a Difference Today
- Be Humble
- Thank People Who Help You
- Smile
By the way, remember that number Vickie gave me. Well I called before calling BofA support a second time. Well that phone number wen to some marketing company support line unrelated to the bank. I just ended the phone call right away. Oh boy. Attitude, attitude. I didn’t get angry. I just laughed.
Sincerely,
The Economy Chief
What to read a brief bio of the Economy Chief? Sure. Click Here – Economy Chief bio.