Long Beach, Ca.  Just the idea of a physical road block may conjure up frustration and lost time on the road to where you are going in life.  But I would like to point out that within every roadblock that you may be facing, that there are probably some good reasons for them and that there are strategies on how to deal with them in your lives. 

Roadblocks, in the physical sense, are often built by authorities, civil servants, to protect the traveler from unseen dangers.  If the traffic was allowed to pass through unhindered, there may be a tragic accident resulting from unseen road conditions ahead. 

So, as much as you may want to proceed, we need to figure out what is really in your best interests.   It is more likely that a roadblock can be a good thing; that is, a signpost to adjust your aim, to rethink and reassess your plans, to slow down, an to reconfigure your approach.

Roadblocks are like loud neon signs that say, "Danger, caution, do not approach this way," and further evidence that life does not unfold perfectly into every whim that you may have.   That true success comes from reinventing an idea over and over again until the idea is perfected.  Because there is no true perfection in this world, we are faced with ever changing conditions which must be adapted to in order to survive and prosper.  Learning about life means learning about the road conditions that we face on it.  Having knowledge about what obstacles are on the road will make us more knowledgeable drivers and better pilots.

Roadblocks come in many varieties.  For example, small business not being able to get a business loan from a bank.   This is very evident in the current market dynamics.  Everyone who actually needs a loan can't seem to get it.  So, the traditional approach of going to a bank for a business loan has to be re-analyzed.  

What are the options that a small business has in lieu of the traditional bank loan?  Carefully delineate what all your options are.  Instead, consider raising capital from private sources instead.  There are many types of private investors.  The market itself will dictate whether or not your business plan is worthy to be financed.   You might check out local venture capital firms, or investment clubs.  Be prepared to pay higher interest rates and even to give up part of your ownership in order to get your dream off the ground. 

The whole process is part of living.  The roadblock is pointing you to another direction.  Find the right way and have fun getting there! 

Kirk Mulhearn, a Long Beach Real Estate Broker co-manages Prudential California Realty, "The Bixby Knolls Office," and a Net Branch of, GEM Mortgage, a direct lender specializing in FHA, VA, and Conventional financing.  Contact him at:  562-989-4608 ext. 110

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