“I run across many Christians who are actually called or feel a call to start their business or ministry but never fulfill their calls,” said Dr. Philip Jay, director. “Their excuses are mostly, ‘I don’t have the money,’ ‘I work full time,’ ‘I don’t have the time,’ ‘I’m afraid of failing,’ “I don’t even know where to start,’ ‘I don’t have the experience,’ or other excuses. The truth is, not having money is never an obstacle when it comes to starting a business or ministry. All you need is knowledge and the determination to use thatknowledge to the fullest”. Dr. Philip Jay is also the Chairman of the board ofdirectors of the small loans financial services company, Workers Benefit Reliance Corporation.