Author: tmonte71

Go for it. Take a chance . Have a go. Do not worry what other people think.

Wasted Talent and No Ambition.

I find this frustrating. Nothing worse than wasted talent and no ambition.

Absolutely love coffee. Expresso, Cappocinno, Flat White, Machiaoto, Piccolo Latte and Latte. Wow the choices are many. I will drink all of them depending on the time of day and how I feel.

My favourite people to be around are  family.I love to be around my wife Frances and daughters Sophia and Olivia. They fill me with joy and hope. They are my shining light and energy.

They have taken me all over Europe and Australia.

Out of the night that covers me,

Black as the pit from pole to pole,

I thank whatever gods may be

For my unconquerable soul.



In the fell clutch of circumstance

I have not winced nor cried aloud.

Under the bludgeonings of chance

My head is bloody, but unbowed.



Beyond this place of wrath and tears

Looms but the Horror of the shade,

And yet the menace of the years

Finds and shall find me unafraid.



It matters not how strait the gate,

How charged with punishments the scroll,

I am the master of my fate,

I am the captain of my soul.

Planning is the strategic, long-term process of setting organizational or personal financial goals (3–5 years), while budgeting is the tactical, short-term (usually annual/monthly) breakdown of how to achieve those goals through income and expense allocation. Effective budgeting involves tracking expenses, identifying savings, and adjusting to, ensuring financial control.

Patriotism consists not in waving the flag, but in striving that our country shall be righteous as well as strong.

“It isn’t the mountains ahead to climb that wear you out; it’s the pebble in your shoe.” — Muhammad Ali.