The 7 Attitudes of Successful Money Management

Do you really need to learn money management or do you need to learn a new attitude about your money? Where did you learn your ideas about money? Probably if you're like most, you learned what your parents taught you. Maybe your spouses' money habits and concerns have rubbed off on you. Most importantly, how will yours rub off on your children? Before you can teach money management to your teen, what do your words and actions say? If your children use the same techniques for money management in 20 years, will they be headed toward success or disaster? Maybe it's time you rethought this love/hate relationship with your old friend, money. Maybe it's time you adopted some successful attitudes; such as:

1: An Attitude of Gratitude

So often, as parents we give our children this line when there are complaints about what's for dinner, who got what toy or got to sit in which seat. We say, "Stop complaining and be grateful for what you have," or something to that affect. If it's become rote, more than likely what you're really saying (which is what your child is hearing) is "Shut-up and stop complaining," which amazingly enough, doesn't sound grateful at all, does it? The way we teach our children to be grateful is by being thankful for what we have and expressing it regularly; and no other topic comes to mind so regularly as money. Are we thankful for our good health and yet whining about our paycheck or our taxes? The more grateful we are for what we have, the more we'll have to be grateful for.

2: An Attitude of Respect

We'll spend time teaching our kids to respect their elders, respect our rules and have respect for themselves, but too often respect for money gets pushed aside. There seem to be 2 schools of thought, neither of which are respect; fear or disregard. If the budget rules your house with an iron fist and every penny is squeezed, you are passing down a fear of money to your child. If money is so scary that it controls even Mom and Dad, the most powerful people in the universe, it must be bad. Total disregard of the finances is just as bad. A lazy attitude of, "Oh the mortgage will just be late and I have no idea how we'll pay for the credit card, but we'll stop thinking about that once we go shopping," teaches disrespect for money, which will translate into lack of money later in life.

3. An Attitude of Joy

Money is fun and if you've forgotten that, let me remind you. There was a time; maybe a long time ago, maybe you were still a child that you suddenly "came into" some money that you weren't expecting. There it was, a whole $20 and you couldn't believe how great it was and started right away imagining all the cool stuff you could buy with it! Why should you give up that joy as an adult? Spending money is fun and when you give with love and an open heart, not only is it fun but you are making abundance possible in your life. Spending money begrudgingly and reminding your children and spouse about how much they "cost you" every time you leave the house not only stops the abundance coming into your life, but makes you a killjoy.

4. An Attitude of Interest

How much do you really know about money? We all know that in order to have a good relationship with our spouse, we have to communicate. We have to find out what makes them tick. We have to get to know them. We know as parents that we need to know our child's interests and spend time growing those talents. We are successful at what interests us because we automatically take the time to find out more. So wouldn't that apply to our money as well? How can expect to have a great relationship with your money if you don't know the first thing about it? When the only time you spend with money is that dreaded day of the month where you grip the checkbook, hope for the best and pay the bills, how can you really know what makes your money tick? Get involved with your money and invest the time in finding out more. Get your family equally involved with the finances. If one spouse handles all the money, the other one should still know the essentials of what this family is doing with finances. Your family budget, the one your kids know exists but never find out why or how it works, is a "family" budget. Take the mystery out of your money and spend time with it.

5. An Attitude of Value

Understanding the value of money goes beyond, this is $10, it's worth $10. How you value yourself and your personal values in life are expressed through your value of money. Are you spending every waking moment in a desperate attempt to keep up with the Jones's? Are your kids always dressed to impress even though they'd rather be just comfortable? Is it not good unless it's the most expensive? These are all ideas that scream, "I am not enough, not valuable without money." Is that what you want your children believing later in life? On the other end of the spectrum we have those that never buy anything new, their house is in desperate need of repair, their children live in hand-me-downs and they're not satisfied unless they got "it" the cheapest that they could get. They even love to brag about how little everything they own cost. Are you really being frugal or have you taken the "we don't deserve nice things" and made it a lifestyle? Are your feelings of self-worth controlling your money habits? And if so, what kind of value are your children seeing?

6. An Attitude of Confidence

Obviously if you are married with children, fear of the unknown doesn't really faze you. You walked down the aisle despite what the statistics told you that the odds were. You had children and are raising them in the face of awesome odds. Look at you - you're doing it! So why, when we're brave enough to face the challenges of marriage and parenthood, do so many of us figure that money is totally out of our control. We can trust God with our kids, but money is up to fate, luck and maybe the lottery. We can count on our spouse to be with us through sickness and through health but we can't count on ourselves to be "good" with money. We'd start that business if we had the money. We'd buy that stock if we had the money. Confidence with money comes from the knowledge that you come from abundance. There is plenty more where that came from. Being bold is the only thing that's going to take you from struggling to success. Are you passing down an entrepreneurial spirit? Or are you going to whine about all the missed opportunities? Will your kids?

7. An Attitude of Honesty

Are you honest with your family about the finances? Isn't it amazing that as a parent, you can expect your child to be truthful about why they got in trouble, and yet cheat on your taxes, feeling somehow that you're entitled? Why is it that we expect our spouse to tell us every little thing that happened at work that day but what's going on with the checking account is a big mystery? Do you talk about your salary like you talk about that 6-foot fish you almost caught? What's your money story? And if it's not a good one, or it doesn't have a happy ending, what's the moral of the story for your kids? If the truth shall set you free, how free are you financially?

When you think about the relationship you have with one of your old friends, or the relationship you have with your spouse when things are going really well, what are you doing to make that relationship a success? Of course you're grateful for the time the two of you spend together. You have a deep respect for that person and you feel a joy when you are with them that always brings you back for more. You are extremely interested in what they're doing and find their ideas and feelings to be fascinating. You value their ideas and opinions and love knowing they value yours. You are confident that the future of your relationship is going to be even better than the past. And you would never dream of dishonoring that relationship by being anything less than truthful.

If you became friends with your money, would you need to manage it? Growing a relationship with your money is not only key to your own success, but a vital part of teaching your child to reach for their own financial freedom.

Cheryl Hall([http://www.MillionaireKids101.com])has the keys for parents to help their children become financially successful. She has created 3 courses to help children learn how to think about money and start on the road to wealth and independence; Millionaire Kids 101, 201 and Millionaire Masters. Cheryl is a successful real estate investor and has been helping new investors start on their way to financial freedom.

7 Ugly Lies About Unclaimed Money

Lie #1 : The holder responsible for your accounts will look for you for 3 years before handing your money over to the government.

Truth: The holder of the money doesn't look very hard to find you.

If you have an account opened with a company or institution, say a bank account for example, and have moved or become unreachable by your bank, the bank is responsible for attempting to locate you for 3 years. After 3 years has past with no contact from you, the bank will turn over your property, or money, to the government to store in an unclaimed money trust fund until you claim it. Unfortunately it is very questionable how hard these companies or institutions look for you.

For example, in the California state database the following have unclaimed money owed to them: Reese Witherspoon, Benecio Del Toro, Ryan Seacrest, Arnold Schwarzenegger and Maria Schriver. Also, interesting to find that money in the CA state unclaimed money database there is money owed to the State of California DMV, Franchise Tax Board, Employment Development Department and Social Services. This means the state of California is holding its own unclaimed money and can't find itself! Did the companies that were holding this money really look very hard to find the owners?

Lie #2: There are few people owed unclaimed money.

Truth: There are millions of people owed unclaimed money.

The total of unclaimed money is billions and billions of dollars owed to millions and millions of people. The amount of accounts turned over to the states annually is staggering! In Arizona alone $50 MILLION in unclaimed funds were reported to the state for 2004. The state of Florida is holding $1 BILLION! On the Washington State website for unclaimed money they state 1 in 7 are owed money!

Lie #3: If you search for money in your state you will find all that is owed to you.

Truth: If you only search for money in your state of residence you may miss money that is owed to you.

If you have ever lived outside your current state of residence or have done any business with any company(s) outside your state, the money may be reported in the state where the company existed.

For example: If you lived in California your whole life but had an insurance policy with a company in New York and they had no address on record, the money owed from the policy would be listed in the New York state database not California.

Inheritance is often reported in the state of residence for the deceased, since it is unclaimed chances are the heir's address is unknown.

Most states have their own searchable database, but remember, searching your own state is not enough.

Lie #4: All you have to do to receive your unclaimed money check is fill out a form.

Truth: You will have to fill out a claim form AND provide identification.

To submit your claim for money owed to you, you will have to fill out the appropriate claim form. However, that is not the end of the claim process. You will need to provide form(s) of identification and possibly documentation that proves you are the rightful owner of the funds.

Lie #5: The average claim paid out for lost funds is a couple hundred dollars.

Truth: The average claim that is paid is well over $500.

To the surprise of many, the average claim amount is about $1000! Billions were paid out in claims last year alone.

Lie #6: Every unclaimed money search is the same.

Truth: Some unclaimed money search sites are much better than others.

There are a few factors to consider when choosing a database to search for your unclaimed money.

You want to find an up to date database. A good database will have frequent updates to make sure the most recently reported unclaimed money is in their database.

The database should search name variations. This means if you put in your name it will search possible slight variations in your name to make sure all money owed to you is found. For example William B Smith may be Bill Smith or W B Smith.

Make sure it covers all databases. There are individual state and federal databases so, make sure you search databases that includes all of these to ensure no money is overlooked.

Lie #7: You can only search for your own unclaimed money.

Truth: You can search for money owed to your family and friends!

They will be happy to get the news that you found them money! By the lowest estimation 1 in 7 is owed money. This would mean that if you searched only your immediate family it is almost a guarantee you will find money.

Now that you are armed with the truth about unclaimed money, go out and find the money that is owed to you and your family!

Nicole Anderson offers more information about unclaimed money at http://www.cashunclaimed.com. Cash Unclaimed?s database covers all state and federal databases, has Name Match technology, which will search variations of your name to ensure nothing is overlooked, and offers unlimited name searches to members. Click on http://www.cashunclaimed.com for a free money search and locate your missing money today!

Hard Money Lenders - Who are They and What Do They Offer?

What is a hard money lender? I have heard the term in internet advertisements and by word of mouth, but was not really sure what they were or how they work. I looked into it a little bit and found that they are actually just private individuals with a little extra money that they make available for investment. They will lend the money they have to real estate investors. The loan is usually short term and is generally used by the real estate investors to buy and repair certain properties.

So where does the name “hard money lender” come from then? The term is a common one used in the financial world. Soft money is money that has easy terms and a flexible payment schedule. Hard money, on the other hand, has stricter terms to it and the repayment schedule is rigid and completely outlined by the loaner. With private financing, the hard money term becomes even more harsh. The terms of a hard money lender are usually very strict and rigid.

Those rigid terms will likely vary from hard money lender to hard money lender. They will also likely be affected by experience of the investor requesting. However, there are some typical terms for hard money lenders. Usually the loan will be for around half to three quarters of the value of the home, post-repairs. The period is usually somewhere between 6 ad 60 months and will charge you 2-10 points on the loan as well. Again, though, there are going to be variations from lender to lender.

Hard money lenders are actually a great resource for you if you want to go into real estate investments. There are a couple of reasons. First of all, they give you money on hand so that you can make a purchase as soon as your offer is accepted. In some cases, these lenders will even lend you closing cost money. In addition, they are people, not institutions. You can talk to them on a personal level and build trust with them, which makes it something you can really work with. You will be able to laugh with, talk with, and even befriend your lender if you go the hard money lender route. Keep that in mind as you enter the field, but never forget that you do have a business relationship and that a lot of money can often times be at stake.

Though not always easy to find because of their private nature, hard money lenders can be a great resource for real estate investors. They offer quick money without all of the hassle of larger institutions. However, you must also be aware that terms and conditions of hard money lenders have little flexibility and are often tough. Because of that, you must make sure you establish a solid relationship and reputation with any hard money lenders you choose to work through. However, find the right one and you will have money available to you to make your real estate investment experience a successful one.

If you would like to view more of my personal articles on lending [http://www.hmhardmoneylendertips.info], please visit my finance site [http://www.hmlhardmoneylendertips.info].

Money Myths Of The Poor

From tender age, we were exposed to myths about money and myths of being rich. Be it from our parents, brothers, sisters, relatives, or friends. The myths that we have determine our financial well being in our adult lives.

I call them myths because they are not true. Or, at least they are not giving you the complete picture.

We can't blame our parents for the myths in us. They already gave us the best they could. And don't forget that times change. Things were true then may not be true today.

If you want to move ahead financially, you have to be aware of the myths that you have about wealth and money. And do not let the myths stop you from living a wealthy life.

Money Myth 1: Work hard and you'll be rich.

Many of us think that by having a job with a big company would ensure that we're on the path to financial freedom. With so many layoff announcements, we might be out of job anytime. I'm not saying that you'd be one of them but the fact is there is no job that is guaranteed.

Recently, my friend was laid off in less than a month in his new job. Having a job is merely helping you to cope with daily expenses, providing you shelter, food and clothing. Do not be misled that a job or your employer will turn you into a rich and wealthy person. No one cares more than you about your wealth.

Money Myth 2: Saving is good.

When I was small, I was told by my mother that I must learn to save. I thank my mother for inculcating the habit of saving in me. The habit of saving helps me to develop discipline. Many people think that when they save enough, one fine day they'll be rich.

But is saving alone enough to make you wealthy?

I came to realize that if I only depend on my savings to get rich, I'd have to wait for a long time. That's the problem with savings, it takes a long time for you to get rich. Saving alone is not enough. You have to learn to invest your money in other investment vehicles to grow your money faster.

Money Myth 3: Debt is evil.

The other common myth about money is debt is bad. Did your parents ever tell you that borrowing was bad? Mine did. Not all debt is bad, actually. It depends on how you spend your loans that you're getting. If you take a credit card loan to buy a flat plasma TV, it's a bad debt. On the other hand, if you take loans to start a business or invest in real estate, the debt is good.

If debt is bad, can you imagine what would happen to companies if they are not allowed to take loans from the banks? As a general rule, if you use debts to buy things that increase in value over time, they are good debts. You must know whether the debt you're taking is good or bad.

Money Myth 4: You need money to make money.

When I ask my friends what's stopping them from starting their own business, the common answer is "I don't have money. And it takes money to make money." I do agree that it takes money to make money. But does it really to be your own money?

Everybody has limited resources when it comes to achieving our financial goals. I do not expect you to have everything when you plan to build your own business. You might need financial backing, manpower, expertise, or a coach to guide you. If you lack resources in any areas, find the resources. Someone else will definitely have it. It does take money to make money, but you can use OPM - other people's money.

Money Myth 5: Investing is risky.

Many think that investing is risky because they lack education in investing. Investing itself is not risky if you know how to control the risks. Most of us invest based on a tip from a friend or broker without doing our own research. When you lose money, you say that investing is risky. And you tell yourself that you'll never invest again.

To be frank, everything we do has a risk in it. Learn to manage risks by educating yourself. You can educate yourself by attending seminars, reading books, or even from the Internet.

Money Myth 6: Wealth reflects in material possessions.

Material possessions reflect your level of wealth. This is a misleading measurement. Someone who is driving a Porsche might not be rich and he might highly in debt.

Wealth does not reflect in material possessions. Wealth is a state of mind. Wealth is how fast you can become rich if you're stripped of everything. As Henry Ford once said after he was asked what he would do if he lost all his fortunes, "I'll become a millionaire again within five years."

We possess one or more of the above myths, consciously or unconsciously. But what is more important is to be aware of the myths and replace the myths with facts. By doing this will tremendously improve your financial well being.

Abel Cheng offers small and medium enterprises exclusive global profits insider tips in his free publication, Abel Cheng's Business Diary. To officiate a bi-weekly subscription, please go to http://www.abelcheng.com/diary.html And get personal email coaching.

Top 10 Secrets to Avoiding "Marital Money Chaos(c)"

Money can wreck a relationship. In fact, how they spend, save, and account for money is one of the leading sources of disagreements between couples. In almost every study, money ranks as the first or second most argued-about topic for couples and partners.

If you currently suffer from "Marital Money Chaos©" you can follow these secrets and achieve more financial success together than you ever could have dreamed. If the two of you can improve your relationship with money, you will also improve your marriage. Money can be romantic!

Secret #1: Know your spending style and your partners'

How many of you are married to your "Financial Soul Mate"?

The most common spending styles are Spenders and Savers but there are also the Procrastinators/Avoiders/Deal with it Tomorrow types and the Money Meek/Humble/ personalities.

What are the benefits/good things about each style? What are the things you call your partner when you fight about money?

Find ways in which you can take advantage of your personality strengths and minimize the weaknesses of that style. In the best possible scenario, you will both acknowledge your differences and move to the middle.

Secret #2: Values Driven Spending

Values are different than goals.

Values: Creativity, Freedom, Friendship, Financial Security

Goals: Be debt free, get a new car, and give more to charity

Take some time to choose your top 5 values and define each of them in your own words. Share the definitions and use them to understand your partner and what is important to them. If your partner's money behavior confuses you, ask which value they are satisfying. They may be doing their best, but their definition is different than yours. If you both use the same value word but have different meanings, you'll have conflict.

Secret #3: Have regular Money Meetings or Money Dates!

How many of you think that money is romantic? Actually, since couples fight more about money than anything else (it is estimated that 80% of divorces are the result of money disagreements), having an honest talk about household finances might be better for your relationship than anything else you can do! Financial well-being and peace of mind are certainly romantic!

It doesn't matter how much money people have, money is a daily event. That increases the chance of it triggering arguments and tension. Use regular meetings as a way to avoid conflict.

Secret #4: Enjoy the present and save for the future

Everyone needs to have their own play money. Ideally 5-10% of your family's income should be set aside for play. What's the use of working every day if you don't get to spend some money on play?

Secret #5: Have a needs/wish list for each person and for the family

We all have things we wish we had and those we need to purchase. Check your list on a regular basis so your subconscious can focus on other things. It's also great fun to check off the things you take care of. Great place to go to find out how to spend bonuses or other windfalls.

Secret #6: Divide financial responsibilities between partners

Focus on each person's skills, interests and availability rather than relying on out-dated gender stereotypes or how much money one partner makes. Share what's going on with your partner during your monthly meetings and make big decisions together.

Secret #7: Each person has some money they do not have to account for.

This is probably one of the MOST important things you can do for your relationship. No grown up likes to have to ask for an allowance or justify every little expenditure they make. Determine in advance how much money each person can "do with what they will" and no questions asked. Savers can save, spenders can spend, procrastinators can leave it in a jar and the money meek can feel free to give it all away.

Secret #8: Take action, one step at a time

I can guarantee that you will save $1000 1 year from today if you put away just $2.74 per day. Where can you find $2.74 each and every day? Do the same with larger goals. If you want to go on a $2000 vacation next year, save $6 per day.

Secret #9: Learn something about money and finances every day

There are lots of good resources out there - websites, books, magazines, classes. You can start at my website: http://www.mendyourmoney.com/category/family/ where I have articles, calculators, book reviews and teleclass schedules.

Secret #10: Plan your spending and spend your plan

I know, no one likes the "B" word (I call them spending plans) because they feel restrictive. Instead, plan your spending ahead of time and give yourself permission to spend money in certain areas and get creative about the areas where you choose to spend less. When we feel like "going out" at our house, we have "no silverware dinner" of ribs, french-fries and artichokes. We spend the time enjoying ourselves and creating memories without spending a lot of money. I bet you can do the same!

(c) Mend Your Money Financial Coaching - All Rights Reserved

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Cindy Morus (http://www.mendyourmoney.com) is a Certified Financial Recovery Counselor specializing in showing women and their families how to achieve financial well-being and peace of mind. She is also a Certified Credit Report Reviewer. Contact her at 541-387-2995.

Attention Ezine editors/Site owners: Feel free to reprint this article in its entirety in your ezine or website as long as you leave all links in place, do not alter the content and include our resource box as listed above. Thanks.

Making Money Myths - You Don't Really Need Financial Wealth and the Pursuit of Wealth is Evil

When life is going well, it's easy to convince yourself that you have no interest in creating financial wealth. After all, you have a job that provides enough money to cover the bills and still have a little left over to put in savings. What more do you need?

Anyway, maybe you've even been raised to believe that the pursuit of wealth is selfish. Or, if you hang around enough people who believe in God, you've likely heard someone misquote the Bible as saying, "Money is the root of all evil."

Of course, the bible doesn't really say that. It says, "The LOVE of money is the root of all evil." (1 Timothy 6:10). While this article is not intended to be a review of what religion says about making money, I have put a couple of quotes in it for those who follow the Bible or some other religious text. You can find similar quotes in almost any religious text. What this article is intended to do is to dispel these money making myths.

Love of money is evil and it can destroy marriages, ruin families, and make your life miserable. If your life becomes nothing but a focus on getting wealthy to the point you are replacing the love of people with the love of money, then money is evil. People are the ONLY good reason to have money. Not for what possessions you can buy with it.

Money in itself is just a thing, another possession. It's what you do with it, or how you treat it that determines whether it's good or bad. You must learn to be content with whatever amount of money you now have, but that doesn't mean you can't or shouldn't work on building wealth.

In general, money will only make you more of what you already are. It's an amplifier. If you're a giving and caring person, more money will allow you to amplify your giving and caring. If you're currently greedy or selfish, having more money will just make you more greedy and selfish. If you now frivolously spend every dime you make, even if you somehow manage to become wealthy you won't keep your wealth.

If you follow the Bible, Luke 16:10 says it like this: "Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much."

That's why it's so important to get your life in order before you become wealthy. You need to work on your financial mental programming before you work on financial gain. Your mind needs to be trained to think like wealthy people think so you'll act like wealthy people act.

You also need to learn how to share what you have with those who are in need. "For if you give, you will get! Your gift will return to you in full and overflowing measure, pressed down, shaken together to make room for more and running over. Whatever measure you use to give--large or small--will be used to measure what is given back to you." (Luke 6:38) That's the Bible's way of saying that if you use wealth wisely, more wealth will be provided to you. If money were evil, that wouldn't be the case would it?

But even before you work on training your mind for wealth, you have to believe that making large amounts of money can be a good thing or you won't do what's required to make it.

If you are one those who are not convinced that having wealth is a good thing, ask yourself how you would feel if a family member, maybe a parent or your child, became severely ill. Would you want to see them get the best medical care available regardless of the expense? Wouldn't you feel helpless if you didn't have the money to help them get the best medical attention?

Or what if you have aging parents who need financial assistance. So many people these days are retiring without a sufficient nest egg built up and they are forced to live in poverty on a meager income from some government assistance program. Would you want to see your parents live this way?

Or what if you had a friend or family member who was in a financial predicament? Wouldn't you feel good if you could help him or her out? Or have you ever wished you had the financial resources to help out a total stranger you've seen on the news whose house burned down and their kids needed clothes and other essential items?

Or maybe you would like to provide meals for the needy, or help less fortunate kids, or fund the development of an addition to your church.

The charitable uses for money are endless. But only those who have money can use it to benefit others. While the poor can give small amounts to charitable causes, it's wealthy people who have the greatest impact on the world.

But don't forget yourself in this picture. Even if you're happy now, you can't predict what will happen in the future to change that. Your current source of income isn't guaranteed. You could get laid off (it's happened to me several times), or you could be injured and no longer be able to work.

By taking time to focus on making money now, you're essentially taking out an insurance policy in case something happens to you later in life.

Large amounts of money take time to make. It's difficult to build wealth when you really need it. So by choosing to pursue financial wealth now, you're insuring yourself against future unknowns.

While charity or or insurance against unknowns are choices you can use wealth for, you'll also have more choices in every area of your life.

Would you be doing the work you're now doing if you were wealthy? Or would you be doing what you're passionate about. Incidentally, doing what you love to do is one of the best ways to become wealthy in the first place.

But besides picking the career of your choice, you'll be able to provide your children with the best educational opportunities, take your parents on that vacation around the world that you always dreamed of, spend more time with out of town family or friends, seize opportunities that will advance you and your families' lives, and the list goes on and on.

So even though you may be living a comfortable existence now and not feel like you really need to strive to build financial wealth, wouldn't you really rather live the life of your dreams instead? Wouldn't you like to know you have insurance against unknowns? Wouldn't you like to have the financial resources to help other people? Once you learn the right way to use it, money is definitely a good thing.

Tim Bruxvoort is an ecommerce entrepreneur who operates a full-time ecommerce business called http://www.IntercomsOnline.com He also is a partner in a small business marketing consulting business that helps small business owners improve their marketing and their profits. For more information go to http://www.fastbusinessprofits.com

Earn Money Online And Work At Home Based Business

Everyone loves money. Every day there is more and more ways to earn money. One way is to earn money online. There is hundreds of ways to earn money online. I hope to guide you through some of the ways to earn money. I will also inform you on some of the scams that say you can earn lots of money with little work. Hopefully you won't fall victim to any scam and wasting time and money. One key thing to remember is if you find any money making opportunity that asks you to pay money before you can earn money it probably a scam.

There is many ways to earn money online. I will go over some of them for you. Paid to read email is one of the best ways to earn small amounts of money online. Paid to read email sites that will pay you usually pay you 1/10 of a cent to 5 cents per email. If a paid to read email site says they pay 1 dollar to $500 per email is usually a scam and will not pay out, so try to stay from those. Also you might stay away from high payouts unless they have proof that they pay.

To earn money online you can fill out surveys for money. Some survey sites let you earn points and later exchange them for cash.Other survey sites will pay you cash. There are also survey sites that give you merchandise for filling you surveys. Some sites say you can earn up to $250 per survey, but they ask you to pay them money to get the surveys. I would stay away from those sites unless you have money to blow(but who does). You can earn money by selling things on Ebay. By being an affiliate can earn you money. This way is the easiest way to earn money online and affiliates are in high demand.

Every company loves affiliates because affiliates get the sites seen by lots of people. There are all kinds of companies who use affiliates and they range from adult to wal mart and every thing in between. Affiliate sites usually pay you per click of per sale. If you have excellent computer skills you can earn money by designing banners and designing websites. There is good money in reselling software. You buy software and than you can resell if for any price. You can earn money online by surfing the web. Some surfing sites have you install a tool bar that keeps track of the amount of time you spend online and pay you for that time. They usually pay well and you don't have do anything. This is great because you are going to be online why not earn money for being online doing what you want. The other way to get paid for surfing is joining a program such as SAS. They pay you for visiting sites and you also get hits to your site if you have one.These surf programs usually pay 0.50-1.00 for 1000 views.

With many mom's opting to stay at home with their children. This has given rise to the home based business. I the past the only home based business out there were Avon, Tuppware, Mary Kay, and Amway. Those businesses were for women and left men out of the picture.

The internet has given the men an equal chance to stay at home and work. You can work at home doing almost anything. I will go over some opportunities for you. One of the biggest home based business is Specialty Merchandise Corporation also known as SMC. They have been around for for years and started with mail order products than moved to the internet. The good thing about them is you make profits ranging from 100%-300%.You don't have to carry an inventory they do it for you and they do the shipping for you too. SMC also provides you with a personal business coach to help you every step of the way. Now you may have heard of the data entry and typing jobs that are out there. Well guess what they are a scam because they make you pay to work for them. You do not have to pay to work at home. When looking for jobs where you can work out of your house you need to know that you do not have to pay to get a job at home. The work at home jobs you should avoid are typing, envelope stuffing, processing refunds, making crafts, chain letters, and medical billing. All these jobs require you to pay fees to work at home. You do not need to pay to get in on a good work at home job. You can start a home based business on anything from a day care center to writing on things you know and everything in between. You need to find the right home based business for you. A lot of businesses ran out of the home fail because of the down times and you will have up times, but in the beginning you have more downtime. With all these opportunities around it is hard to choose one. Your best bet for a home based business is any idea you have in your head. Most people don't want to act on their idea because they think the idea is dumb. The only dumb idea is the one not acted on.Your best tool you have is your brain and thinking is hard work and tiring, but if you think about what you want to do and you will be a success. You need to think about what you are going to sell. You need to research what people want. You need to think where you are going to advertise. You need to think what you want your ad to say. You need to think about what you want to write articles on. All that is why you need to use your brain. You can not put your home based business on auto pilot and expect to earn good money.

In conclusion,no matter how you choose to earn your money there will be a scam waiting to grab you and part you from your money.Keep your eyes open and you won't get taken for a ride you don't want to be on. You can earn money online for doing just about anything.If you have a good plan for a home based business go for it, but remember that it takes time to really get going. Use your brain and you can go far. When you start to earn money you will see that everything you put into your home based business pays off. Start off small than grow bigger. If you start small you won't loose much and you will be able to see your growth. If you want to start big and you don't grow you will be disappointed. Take it slow and you will earn more and more. If you find some one to help you make sure you can trust them. I hope you walk with a better understanding on how to earn money online. Here's to you and all your success. May you be successful.

John Ong is editor of Top Work At Home ? Focus on Earn Money Online, Work At Home, Home Based Business and Internet Home Business Opportunities. Work At Home Based Business

The Secret Language of Money

At a number of business seminars and presentations, I passed out an index card and asked each person in the audience to write anonymously a single answer to each of three questions. The three questions are:

1. To me money means _________.

2. My current annual income is _______________.

3. In order to insure happiness and contentment financially, with no more money problems and worries, my annual income would need to be __________.

The answers to these three simple questions reveal how much more we attribute to money than it being a medium of exchange. Money has a range of emotional meanings hitchhiking on it: love, security, control, power, worth, freedom, success, status.

In over 90% of the hundreds of people I have polled, their annual income would need to be roughly double its current amount for them to feel happy, content, without money problems and worries. This is as true as for someone who makes $50,000 a year, and believes it would take roughly $100,000 a year in order to be financially content as it is for someone who makes $500,000 and believes that it would take roughly a million a year. And, in discussions after this brief poll, those who actually experienced their income doubling also doubled their "happy and content" amount: for someone who had made $50,000 and believed that it would take around $100,000 to be happy, when they had achieved $100,000 annually, they then thought it would take about twice that amount to be content and worry-free about money.

Money was always intended to be a symbol, so it is a ready stand-in as a screen onto which we project personal meanings of what we idealize, want, yet fear we don't have enough of, don't deserve, or can never have. Particular emotions, such as fear and greed, may predominate in the money arena. Strategies and game plans may be abandoned at times of excess stimulation - when things are going particularly bad or especially good - and bad investment decisions prevail.

Money's symbolism is uniquely subjective, though society adds metaphors of its own. Some of the meanings are outside the realm of logic, reason, and intellect. The issue of money may quickly spark ambition, insecurity, envy, fear, jealousy, complication, guilt, or any number of emotional reactions. If someone is competitive, insecure, or prone to fantasize and worry, money is always a reliable and tangible focus, a yardstick of many measures.

Many emotional and relationship issues can manifest vividly in the financial arena, focusing on money as the answer, the problem, or both. Money may be the common language of success phobia, impulsivity, and even fear of autonomy, such as creating financial crises from which to be rescued. Money symptoms include compulsions such as gambling, shopping, hoarding. Money may become the currency of addictions such as work, financial risk-taking, money acquisition, or impulsive spending.

While we often make decisions on an emotional basis, the particular meanings and significance of money has a built-in readiness to be an emotional trip wire for meanings and decisions that are repetitive and limiting.

The more money represents unfulfilled needs or wants, the more promise it holds of happiness. The perpetual hope that more money will provide happiness sharply focuses what "enough" is. Someone who assumes that more money would bring more security or freedom may find that more money paradoxically brings a lessened sense of security and freedom. Or, if we could have just the right amount of money, then we could do exactly what we really want to do and have what we want. The "right amount" may be a specific figure, but if it is a floating figure defined by "more" it is perpetually elusive. But this illusion may not have to be confronted as long as the amount extends beyond the realized, and about double is a safe lead.

Understanding and changing money problems and patterns requires understanding your money story as part of a life story that you are creating each day. The beginning of evaluation of that story is to recognize that you are the author of that story. Whatever you think, feel, and do are active creations for ownership moment by moment.

Being loyal to a game plan and reaching a goal assumes having a game plan and attainable goals. First, construct a map to figure out where you are and where you want to go. Without a map, there cannot be a plan to get there; without knowing where you want to go, any map will do. Next, figure out how to get there. Primary problems with those who do not succeed include not knowing where they are, where they are going, not having a plan to get there, or getting distracted from their plan to get there. Having a map (attainable goals and measurable results) allows you to filter noise, to discern the route to where you want to go, and to recognize what is tangential or a detour in getting there.

Your life is the manifestation of your beliefs. Changing your mind changes your brain and life, as beliefs, goals, and visions drive action. Your experiences are always consistent with your assumptions: enhance the ones that work, and change the ones that don't work.

David Krueger, M.D. is an Executive Mentor Coach He is the author of 15 books including The Secret Language of Money, released by McGraw Hill August 2009.

http://www.MentorPath.com
http://www.TheSecretLanguageofMoney.com

The Easy Money Picture

Most people would like to be able to earn easy money. Even if we have never consciously considered it, I doubt if anyone would turn down a genuine opportunity to earn some easy money.

What do you think of when someone says "easy money"? I get this image I call my "easy money picture" of a man sitting on a porch, chair tilted back, feet up on the rail, tie loosened, tall glass of something cool within reach, enjoying the afternoon sun. This man has made his easy money for the day and has the afternoon to himself. Want to know his secret, so you can earn easy money and take afternoons off? It's no big secret actually: the best way to earn easy money is by working on the Internet.

Would you like to be in that easy money picture? It certainly appeals to me so I'll turn it into a woman relaxing in the sunshine after earning her easy money for the day, maybe she'll be holding a baby or reading a magazine. There's no reason why a woman can't earn easy money online; the Internet is an equal opportunity environment and most women would be able to earn easy money online successfully because they have a natural eye for detail (ok, I admit this is personal bias).

Although few people would turn down a chance to earn easy money honestly, most are suspicious of the idea of earning easy money. Quite rightly, anytime we hear "earn easy money" we start to look for the catch. Take my man on the porch, maybe his way to earn easy money is illegal: perhaps his easy money comes from being a conman who tricks people out of their hard earned money. That sort of scam artist is as common on the Internet as offline so you need to be careful of the offers to earn easy money which leap out of so many online advertisements.

You need to find a way to put yourself in your own earn easy money picture without needing to worry about getting ripped off. You can protect yourself by taking the following precautions:

Choose an opportunity to earn easy money which has been proven. Look for testimonials and find out whether the person who sponsors you into the programme will give you help and advice.

Avoid offers to earn easy money which are "time limited". If a programme will not give you time to think about joining it, it probably has something to hide.

Choose a system which offers free instructions on how to earn easy money. Check to see if there is ongoing support from a mentor or by way of a members' forum.

Don't pay for "secrets" about how to earn easy money. Truly, there are no secrets which are worth paying for, all the information you need to succeed is available free on the Internet, all you need to spend to find it is a little time.

Choose an opportunity where you can earn easy money at a realistic level. Don't fall for a "get rich quick" offer. Earning money from an Internet business is no different from earning money in the bricks and mortar world in that you need to invest time and effort to build a business.

Avoid any opportunity to earn easy money which looks too good to be true. If an opportunity looks to good to be true, it probably is (You will hear this said so many times! .

If you remember these tips and use commonsense when you are looking for a money making opportunity, you will soon find yourself happily in your very own easy money picture. Where will you will be? Maybe on a yacht, or a private beach, or in the grounds of your mansion, or please feel free to join me on my porch for some freshly squeezed lemonade; I'm there most sunny afternoons.

Elaine Currie earns easy money legitimately with a Plug-in Profit Site. You can too, just go to: http://www.huntingvenus.com/plug-in_profit_site.htm

For more details go to: http://www.huntingvenus.com/earn_easy_money.htm

Overcoming The Fear Of Money

Many people, it seems, have a fear of money. Does the thought of having a lot of money make you uncomfortable? Cause you anxiety? If so, it may be that you are buying into the myths about money. Myths that are simply untrue. In fact, many of the most common statements about money are often misquoted, wrong, or were made by people who did not understand money ... or had none.

Let's look at a few of the myths about money ...

"Money is the root of all evil"

Everybody has heard this one. Unfortunately, it's one of the most famous misquotes of all time. The original quote comes from the New Testament and the correct quote is "the LOVE of money is the root of all evil". The love of money is an obsession and thus the true quote warns of the potential corruption that can derive from a love of, or obsession with, money (or any unhealthy preoccupation).. The fact is that money itself is neither good nor evil. It is neutral. Money can be used for good or it can be used for bad. How it is used is a choice, and the choice of how to use money is in the hands of he (or she) who controls it.

"Money is Power" (and Power corrupts)

Money itself has no real power. For instance, if you were legally given 10 million after-tax dollars in cash, put it in a safe deposit box, never touched it and never told anyone you had it you would have no more power than you do right now. The power of money comes from the use (or misuse) of it or the perceived benefit or threat by others. The money itself does not generate any power; it has to be converted into power. And whether or not you wish to convert money into power is a choice. And if one decides to convert money into power that power may be used for good or for evil, depending on the character of the person with the money.

"Money will change your life"

Let's hope so! Used wisely, money can greatly ease many of life's burdens and greatly enhance one's life. Or, if you have a weak character, choose to live in fear and worry, you can let money make you miserable. It's not the money, it's YOU. The important thing to realize is that you get to control the money, it doesn't get to control you. Want proof? Here's how much actual control you have over your money - in the extreme, you can always give all the money away - and be rid of it. Just like that. You can give it all to charity, you can throw it out the window, you can walk down the street and hand it out. You can burn it all. It's yours and you can do whatever you want with it, including give it away. Gone. You can make it all disappear if you choose to do so. That may be a stupid choice but that choice is always yours. That's the ultimate power you have over your money and it rests in your hands. Money doesn't ruin or change your life or change you or take control over your life. Unless you let it. And since you have the ultimate power to get rid of it why would you let it ruin your life?

"Money can't buy you happiness"

This is true - if you are not happy to begin with. However, if you reasonably well-grounded, have a good value system and a little control over yourself money won't hurt you either. Contrary to popular wisdom, money and happiness are not mutually exclusive. In fact, money can greatly enhance the security, independence and well being of your life, your family's life and the lives of people you care about. Money can't buy you happiness but happiness can't buy you money!

To sum it up, the fear of money is often based on misconceptions. The truth is that money itself is simply an inanimate thing, doesn't know or care who does what with it, has no moral or ethical value and is a necessary commodity to have in the civilized world. Money, in the hands of whoever has it, has the capacity for great good or great evil, depending on who is doing the spending. It is not money that should be judged but the character and actions of the person (or entity) who uses it.

Money is nothing to fear.

About The Author

Andrew Lawrence is a former Wall St money market professional who studied and understands money. He has managed money in excess of 500 million dollars. He now spends his time helping individuals find their true purpose in life, through his website at http://lifemastery.tripod.com

How To Raise Money to Start Business and Where to Get Money for Business

The common questions for anyone who want to start business are: How to raise money to start business, and where to get money for my business?

To raise money to start business is not as difficult as most people seem to think. This is especially true when you have an idea that can make you and your backers rich. Actually, there's more money available for new business ventures than there are good business ideas. We will help you for where you can get money for business.

A very important rule of the game to learn: Any time you want to raise money, your first move should be to put together a proper prospectus.

This prospectus should include a resume of your background, your education, training, experience and any other personal qualities that might be counted as an asset to your potential success. It's also a good idea to list the various loans you've had in the past, what they were for, and your history in paying them off.

You'll have to explain in detail how the money you want is going to be used. If it's for an existing business, you'll need a profit and loss record for at least the preceding six months, and a plan showing how this additional money will produce greater profits. If it's a new business, you'll have to show your proposed business plan, your marketing research and projected costs, as well as anticipated income figures, with a summary for each year, over at least a three year period.

It'll be advantageous to you to base your cost estimates high, and your income projections on minimal returns. This will enable you to "ride through" those extreme "ups and downs" inherent in any beginning business. You should also describe what makes your business unique---how it differs form your competition and the opportunities for expansion or secondary products.

This prospectus will have to state precisely what you're offering the investor in return for the use of his money. He'll want to know the percentage of interest you're willing to pay, and whether monthly, quarterly or on an annual basis. Are you offering a certain percentage of the profits? A percentage of the business? A seat on your board of directories?

An investor uses his money to make more money. He wants to make as much as he can, regardless whether it's short term or long term deal. In order to attract him, interest him, and persuade him to "put up" the money you need, you'll not only have to offer him an opportunity for big profits, but you'll have to spell it out in detail, and further, back up your claims with proof from your marketing research.

Venture investors are usually quite familiar with "high risk" proposals, yet they all want to minimize that risk as much as possible. Therefore, your prospectus should include a listing of your business and personal assets with documentation---usually copies of your tax returns for the past three years or more. Your prospective investor may not know anything about you or your business, but if he wants to know, he can pick up his telephone and know everything there is to know within 24 hours. The point here is, don't ever try to "con" a potential investor. Be honest with him. Lay all the facts on the table for him. In most cases, if you've got a good idea and you've done your homework properly, and "interested investor" will understand your position and offer more help than you dared to ask.

When you have your prospectus prepared, know how much money you want, exactly how it will be used, and how you intend to repay it, you're ready to start looking for investors.

As simple as it seems, one of the easiest ways of raising money is by advertising in a newspaper or a national publication featuring such ads. Your ad should state the amount of money you want--always ask for more money than you have room for negotiating. Your ad should also state the type of business involved ( to separate the curious from the truly interested), and the kind of return you're promising on the investment.

Take a page from the party plan merchandisers. Set up a party and invite your friends over. Explain your business plan, the profit potential, and how much you need. Give them each a copy of your prospectus and ask that they pledge a thousand dollars as a non-participating partner in your business. Check with the current tax regulations. You may be allowed up to 25 partners in Sub Chapter S enterprises, opening the door for anyone to gather a group of friends around himself with something to offer them in return for their assistance in capitalizing his business.

You can also issue and sell up to $300,000 worth of stock in your company without going through the Federal Trade Commission. You'll need the help of an attorney to do this, however, and of course a good tax accountant as well wouldn't hurt.

It's always a good idea to have an attorney and an accountant help you make up your business prospectus. As you explain your plan to them, and ask for their advice, casually ask them if they'd mind letting you know of, or steer your way any potential investors they might happen to meet. Do the same with your banker. Give him a copy of your prospectus and ask him if he'd look it over and offer any suggestions for improving it, and of course, let you know of any potential investors. In either case, it's always a good idea to let them know you're willing to pay a "finder's fee" if you can be directed to the right investor.

Professional people such as doctors and dentists are known to have a tendency to join occupational investment groups. The next time you talk with your doctor or dentist, give him a prospectus and explain your plan. He may want to invest on his own or perhaps set up an appointment for you to talk with the manager of his investment group. Either way, you win because when you're looking for money, it's essential that you get the word out as many potential investors as possible.

Don't overlook the possibilities of the Small Business Investment Companies in your area. Look them up in your telephone book under "Investment Services." These companies exist for the sole purpose of lending money to businesses which they feel have a good chance of making money. In many instances, they trade their help for a small interest in your company.

Many states have Business Development Commissions whose goal is to assist in the establishment and growth of new businesses. Not only do they offer favorable taxes and business expertise, most also offer money or facilities to help a new business get started. Your Chamber of Commerce is the place to check for further information of this idea.

Industrial banks are usually much more amenable to making business loans than regular banks, so be sure to check out these institutions in your area. insurance companies are prime sources of long term business capital, but each company varies its policies regarding the type of business it will consider. Check your local agent for the name and address of the person to contact. It's also quite possible to get the directories of another company to invest in your business. Look for a company that can benefit from your product or service. Also, be sure to check at your public library for available foundation grants. These can be the final answer to all your money needs if your business is perceived to be related to the objectives and activities of the foundation.

Finally, there's the Money broker or Finder. These are the people who take your prospectus and circulate it with various known lenders or investors. They always require an up-front or retainer fee, and there's no way they can guarantee to get you the loan or the money you want.

There are many very good money brokers, and there are some that are not so good. They all take a percentage of the gross amount that's finally procured for your needs. The important thing is to check them out fully; find out about the successful loans or investment plans they're arranged, and what kind of investor contacts they have---all of this before you put up any front money or pay any retainer fees.

There are many ways to raise money---from staging garage sales to selling stocks. Don't make the mistake of thinking that the only place you can find the money you need is through the bank or finance company.

Start thinking about the idea of inviting investors to share in your business as silent partners. Think about the idea of obtaining financing for a primary business by arranging financing for another business that will support the start-up, establishment and developing of the primary business. Consider the feasibility of merging with a company that's already organized, and with facilities that are compatible or related to your needs. Give some thought to the possibilities of getting the people supplying your production equipment to co-sign the loan you need for start-up capital.

Remember, there are thousands upon thousands of ways to obtain business start-up capital. This is truly the age of creative financing.

Disregard the stories you hear of "tight money," and start making phone calls, talking to people, and making appointments to discuss your plans with the people who have money invest. There's more money now than there's ever been for a new business investment. The problem is that most beginning "business builders" don't know what to believe or which way to turn for help. They tend to believe the stories of "tight money," and they set aside their plans for a business of their own until a time when start-up money might be easier to find.

The truth is this: Now is the time to make your move. Now is the time to act. the person with a truly viable business plan, and determination to succeed, will make use of every possible idea that can be imagined. And the ideas I've suggested here should serve as just a few of the unlimited sources of monetary help available and waiting for you!

Now you should get idea for how to raise money to start business, how to get money for business, and where to get money for my business.

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Julia Tang publishes Smart Online Business Tips, a fresh
and informative newsletter dedicated to supporting people
like you! To find out the best online business opportunities,
and to discover hundreds more proven and practical internet
marketing secrets, plus FREE internet marketing products
worth over $200, visit: http://www.best-internet-businesses.com
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Creating Money Out of Thin Air

As my friend Ida says, "Money is Easy." Creating more income or abundance in our lives is that simple, but most of us try to make it harder or more complicated than it is.

The hardest thing about our relationship with money is giving up our idea of what that income is or where it will come from. We must focus on what it CAN BE. For example, most people would argue that they are on a fixed income and there is only so much money they receive each month. Others say their monthly paycheck is XYZ dollars and they don't want to get a second job.

In the first example above, the person has defined the boundaries of their income and they do not allow the space for other income to flow. In the second example the person has defined a limited channel of how and where the money is to appear. To create more money out of thin air we must be willing to let go of our limited thinking, remove the boundaries around our abundance and stop outlining how it is to appear in our life.

You'll notice that I am interchanging the word money, income and abundance. The first step of creating money is recognizing that money is abundance. I know you can create more abundance in your life. Sometimes that abundance appears as money that you can spend. Sometimes abundance is someone taking you to lunch or getting an unexpected rebate or discount on a purchase you made.

The following rules will help you expand your thinking and break down any boundaries that you have about money or abundance.

RULE#1

Money is energy. It follows the Laws of Nature and like the tides of the ocean it has a natural rhythm of flowing in and out. When we allow money to flow to us and not restrict or define how it is to come to us then we become the masters of abundance. We restrict the flow of abundance when we do not allow someone to take us out to lunch... "Oh no, you shouldn't pay for lunch." We restrict the flow of abundance when we don't pick-up the penny that we find on the street. You ask the Universe for more abundance and it is given to you at your feet but it is beneath you to pick-up change that you find lying on the ground. [Note: When I started to pick-up money on the street the denomination and amount increased!] Or we restrict the flow of abundance with limited thinking. Every time you say I only earn XYZ dollars you are defining a boundary and limiting more abundance to flow.

RULE#2

Money is impersonal. Money is not good or evil. It has no values or beliefs except what we put on it. Money does NOT care who you are or what your background is or what your past family history was. This follows Rule#1 because money is energy and only that. It can be used for any purpose that we want. Money can be used to help people and it can be used to harm people. But how we use it or what we think about money does not change the nature of money, which is energy.

RULE#3

Money is unlimited. When we understand Rules One and Two, then money or abundance can freely flow to us as much as we will allow it. For example, in this past year there have been several natural disasters where thousands of people have lost their homes and needed help to rebuild their lives. People rallied together to help those displaced and said we need XYZ dollars. Within hours, millions of dollars poured in from all sources. Imagine and KNOW that you too can do the same. Create the need, open the energy and let the Universe provide all the good into your life.

OPENING THE FLOW

I know you can create more abundance in your life because your Being is Energy and Money is Energy. The first step is developing a relationship with money. Each night before you go to bed write in your journal at least ten things that you are grateful for. Recognize, write and give thanks for all the monies that you have. Give thanks for that person that took you out to lunch. Give thanks for Spirit, God or Universe for the money that you found on the street. Give thanks for that person that smiled at you on the bus. This simple exercise takes only ten or fifteen minutes to do. Give yourself permission to try this and see what opens and flows into your life. If you forget to write in your journal for a couple of days or week, take notice how the flow may have slowed up or stopped. Pick-up the pen and start writing again in your journal and develop a habit.

YOUR JOURNAL

As you develop this new fun habit you can begin creating new sources of income to appear. TRUST ME THIS WORKS. I found $640 in cash on the street last year! You can create what you want to appear in the future, but always write in the present tense. Remember NOT to create boundaries and remember NOT to define the outcome.

Here are examples of phrases you can write in your journal even BEFORE they appear:

I give thanks for all the unlimited income that flows in my life.

I give thanks for my new job that is financially rewarding and is a short drive from home.

I give thanks for all the monies I have.

I give thanks for the overflowing financial abundance in my life.

I am grateful to receive abundance and all the good in my life.

I am grateful for my all paid vacation to Hawaii.

I give thanks for the opportunity to be open to receive all the good in my life.

I am grateful for my health.

I am grateful for my wonderful body that functions healthy and perfectly.

I am healthy whole and complete.

I am grateful for right and perfect health.

I am grateful for all the relationships in my life.

Creating more income or abundance in our life is easy. Let go of boundaries and limiting thoughts and allow all the good to flow into your life. Soon you will be telling others how to create money out of thin air. Namaste

Copyright 2005 Wayne McDonald

Wayne McDonald is a licensed Life Practitioner and a Public Speaker. Are you ready to make a shift in your Relationships, Finances, Business, Health, Life purpose and Happiness, Love and Joy? To learn more visit http://www.123relax.com/lifepractitioner.html

Money, Motivation and Happiness

The question of money as a motivator in the workplace is not new. Years of research, and countless books and articles on motivation include references to money. However, much of the focus on money and motivation points to superficial needs of people or points toward the immediate gratification that money seems to bring. The inquiry around money as a motivator must be explored more deeply if one is to truly understand the nature of the so-called relationship between money and motivation.

There are a number of perspectives relating to money and motivation. Some of these are:

1. "I'm not making as much money as I'd like (the "starving artist" concept), but I absolutely love my work, or the flexibility, or the control I have, or the opportunity for creativity, etc."

2. "I need to be in this salary range, make this much money, because I need to be seen as "somebody" as opposed to "nobody" in my circle of friends, acquaintances, family, etc. who view "money" as a merit badge of some kind."

3. "It's not the money, per se, but what the money "gets" me....i.e., possessions, stuff, materialism, etc., pointing again, for some, to "being somebody" and being recognized, and gaining self-recognition, based on their material stuff."

4. "I need more and more money as I'll never have enough, reflecting the "your expenses always rise to meet your income" syndrome...as I said to an attorney client of mine, "If you feel you cannot live on 2 million dollars a year, what makes you think you can live on 3 million?"

5. Unconsciously filling the psycho-emotional "hole" of lack and deficiency...which subsumes one or more of the above...and is the driver of the obsession with having money and needing more money, and what money "gets" one in order to feel (albeit fleetingly) whole and complete. The illusion that money provides a sense of self, or a sense of one's worth or value.

At the end of the day, I, for one, subscribe to the intrinsic notion of motivation, that motivation is driven by one's values and so it's important to explore one's values and from where one's values emanate...from one's True and Real Self, one's Inner Core or from ego-driven needs for control, recognition and security...misguided values, the relentless pursuit of which, almost always leads to a living (certainly not a life) mired in the self-sabotaging thinking and behaviors reflecting frustration, resentment, anger, hate, rage, entitlement, misguided choices, and the feeling of never having or being enough.

When one comes from one's core values, one's Inner Sense of what is important in life and living, then intrinsic, or self-motivation, is at the heart of a life well-lived, at work, at home and at play...and is at the heart of creativity, self-management, self-responsibility, healthy behavior (mental, physical, emotional, spiritual, social, financial). Money, in this sense, has a different emotional and psychological energy around it, a softer energy, not unlike the energy reflected in one who says, "I love my work and I can't believe I get paid for doing this."

Many folks, in the relentless pursuit of "money" actually lose sight of what it was in the first place that got their juices flowing...having the corner office occludes the initial love of the work, obtaining the title interferes with one's initial love of mentoring and supporting others...that the relentless pressure to make and have more money becomes more important than the joy one used to experience when one was focused on one's love of the work itself. Losing one's way along the way. The mid-life crisis...that now starts at 30.

Money as a driver then obscurates the clarity of one's choices and one often makes unfortunate and self-sabotaging choices when controlled by money. I, for one, see this all the time in my work with clients...some who have made self-defeating choices in their work life, social life and spiritual life because the lens with which they viewed their world and their place in the world had become "green."

For many of those who believe that "money" is the sign of success, or that money is what it takes to be "somebody", etc., long-term success is often unattainable; it's the "Sisyphean approach to living.

For many folks, it's when they have experienced enough anger, anxiety, feelings of inadequacy, terror, and loneliness, that reflected their need for money, and more money, and more money, that they then have the real motivation to change and adapt a life and lifestyle that is true Values-based, values that emanate from their True and Real Self, where money is important, but not an obsession (conscious or unconscious).

Motivation from this place is much different. Motivation from this place is not bounded by internalized pressures to have more, by rigid inner structures or beliefs, by paralyzing self-criticism that one is not (fill in the blank) for lack of enough money (whatever that is). That one's true worth and value is not financially driven. That one's purpose in life and the meaning one derives from work is intrinsically driven from one's Inner Core Values.

From this place, one comes to one's world of work or play from the perspective of a whole person, as one whose choices, volitions, motivations and intentions are driven by a freedom that was heretofore restricted and constricted by the "value" of money.

Finally, I have crossed paths with folks who feel that money allows them to be autonomous. Me, I see just the opposite. That money has forced many of these folks to live in an emotional and psychological prison whose bars are the self-defeating, self-sabotaging and controlling beliefs and behaviors driving these folks to do, be, and have in a way that forces them into a lifestyle (again, not a life) mimicking the lifestyles of the folks living in their prisons on either side of them...the illusion of autonomy, not the actions of one living from the place of one's True and Real self.

From this Inner Self, the energy of "I am", "I can", "I will", "I have", "I choose", "I love", "I create" and "I enjoy", that is, motivation and intention, flows with a sense of purposefulness, ease, grace, settledness and grounding that does not have a "price tag."

(c) 2005, Peter G. Vajda, Ph.D. All rights in all media reserved.

---ABOUT THE AUTHOR---

Peter G. Vajda, Ph.D, C.P.C. is a founding partner of SpiritHeart, an Atlanta-based company that supports conscious living through coaching, counseling and facilitating. With a practice based on the dynamic intersection of mind, body, emotion and spirit - that is, Essential Well BE-ing - Peter's approach focuses on personal, business, relational and spiritual coaching. He is a professional speaker and published author. For more information contact http://www.spiritheart.net, pvajda@spiritheart.net or phone 770.804.9125

How To Make A Lot Of Money And Generate Cash When You Are Broke

I am proud of you that you decided to read this article. These methods had helped me a lot, especially when I was in college. Many of you have written me and asked me how to make money and how to generate extra cash when you are broke. So many of you are still in school and a lot of employers only want to give you a minimum wage and you can barely survive with the minimum wage. Some of you are working hard daily and live from paycheck to paycheck.

I can relate to what you're going through right now, so hang in there and be ready to see great and positive changes in your life today after you read this article!

I used to save left over food from the cafeteria where I worked in college, so I could survive, because I didn't any money to buy food that summer. I had to borrow money to buy my super expensive college text books. So I can understand what you're going through right now.

Listen carefully to this; you can change your income significantly and your life by changing your daily habits. You must be willing to change! You must be willing work hard for to make the changes.

It doesn't take a smart people to figure it out why we go broke. It means that our spending is more than what we earn. People go broke because their expenses are higher than their income!

The first thing you want to do when you find yourself broke is to start writing your expenses down on a piece of paper down to every penny of it. It is called, reviewing your net worth. You want to know how much money in your bank accounts and your wallet!

You must write down your expenses, income and this is a must! You can track down what you can not see. Please listen to this, start learning how to keep in track your expenses and income! Have a small book or PDA with you at all time to write down your expenses and income.

You must know how much money have and if you don't have any right now, you must know how much money you want to have in the future. Make sure you write down a reasonable goal that you can achieve, like by Oct 30, I will have $300 in my savings account, and by Dec 30, I will have $600 in my savings, and so on. Believe me, when you know your goals and destination and you know where you are going, it will give you the motivation to go there!

Now get ready for the life changing methods that may help you get out of your challenges and trials. These are the methods that will help you to change your income level!

1. You must change your daily habit!

I love what the Bible says, "look and observe the ants." Why would I want to look and observe ants? The reason why you want to be like ants is, ants are not lazy! They work day in and out, they are willing to save up some food for the winter time by working very hard in the summer. Believe it or not, Ants never eat more than they earn. They know how much food to give to their colony; they know how much food they need, so they can have enough food to eat for everybody in their ant colony. The will work hard to get the food their need for the winter time even when they have to sacrifice their life for the life of their colony. That's why sometimes; ants will frustrate you, because they will keep coming to your house until they are sure that they have enough supply for every ant in their colony. They will stop coming to get your food when they know; they have plenty of food to survive during the winter.

Listen, your time is the most valuable thing that you and I have! We can trade our time for money by solving someone's problem. Find what you're good at and use your time, talents and gifts to start making money for you.

I was good in computers, so I charged students and school faculties if they want me to fix their computers.

Wake up early in the morning and use your day wisely to make money. Have you ever noticed that people who sleep too much and people who watch TV and movies too much don't have much money? The reason why they don't have much money, because they are not willing to trade their time for the money they need. They waste their time for something that won't make them rich. Your time is like the energy in a battery, sooner or later, you will run out of it if you don't know hot to use it wisely.

So get up! Stop being lazy! The rich and the poor both have 24 hours/day, 7 days/week, they rich don't have more hours than the poor, but what makes a big difference is how they use up their time to generate wealth!

Go to work an hour early and go home an hour late. You must discipline yourself to work harder and smarter than everybody else! Most people love to come late and leave early, that's why they are poor.

If you own your own business, make sure you give your customers your best for the bucks! It makes them want to do more business with you in the future. The next time you are tempted to waste your time, think twice!

Your daily habits will determine your future and what you do today will decide what's coming to you in the future.

2. You must learn how to sell!

I used to buy a lot of cheap computer parts on UBID.com and EBAY.com and sold them to students who needed the computer parts. Before I bought them, I asked several students whether they will buy the computer parts from me when I got them. When I had buyers for the products, then I bought them cheap at the auction sites and sell them higher than cost of buying them.

You must be aware of the trend in your school! I remember the day when network T1 connection was popular at our school. I sold network cards like cakes, because back then not every computer had a network card. How about IPOD? Find out how many people own an IPOD and start selling the IPOD case, cover and accessories!

Keep your eyes open toward the latest trend and new things that are going on in your area!

You must learn how to sell. A lot of students got hungry at night, so I stocked up some food in my fridge and sold them to the people who didn't have a car to go to the store!

Read books and listen to tapes that will teach you how to sell better. Use your mind to think of ways of making money.

Make a DVDs rental in your dorm room! You can buy 100 DVDs on Ebay for $100 and make your own rental place in your dorm room! Charge student $1 for a day to rent the DVD! Make sure they don't steal your DVD! Keep record of who rents the DVD. 100 students rent your movie, that's $100/day!

You can even start using the Internet to generate money by selling on Ebay! Ebay is a great money making tool that I am using to these days to generate additional income. Learn how you can make money on the Internet. Invest your time and money to learn more about ways of making money on the Internet.

I don't care how good in computers, web design or giving make up, but if you can not sell your skills, you won't be making money out of your skills. You must learn how to sell and market your skills and learn how to be good at selling.

You see, when you use your mind to think, a lot of ways to make money can come up in your mind and you will never be broke ever again in your life! A lot of people are broke because they never use their mind to think!

3. Invest 10% of Your Money In Skills that Can Help You Create More Money!

When I first came to college, I didn't know how to do web design and how to develop a web site, but I used 10% of my income to buy books that would teach me how to be a web designer and developer! I took my time to develop my skills to become a web developer! Within a year of learning, I started to build web sites for other people on campus and made higher income than the rest of the students in college.

You must invest in other skills that will help you to make more money. If you like to give make up, well you may want to invest books on how to become make up artist! You can charge people to do their make up and hair for them when they want to go to a party and different special events. I know a guy in college who made his money by cutting hair. He charged $8 for a hair cut while Super Cut charged $15. So people came to him to get their hair cut.

I knew also some students who did house painting for other people in the community on the weekends.

There are thousand of ways of making money when you are broke, you just have to find the right kind of skills for you and the willingness to take action and do it.

4. Exercise, Eat Good Food and Keep Yourself Healthy.

Your mind is the most powerful asset that you will ever have in your life time. Your mind can help you create wealth! So listen to me, "STOP ABUSING YOUR MIND AND BODY!" Eat healthy, exercise, and get enough rest.

I learned that when I feel good, I can think well. I can think of ways of making money when I feel good about myself.

How can you think when you have heat pack on your head, thermometer on your mouth and blanket on your body? When you're sick, you can't use your mind to think! So make sure you keep yourself healthy and well!

I remember what one of my martial arts teachers told me about drinking alcohol. When you are drunk! You can even fight you defend yourself! So how can you think of ways to make yourself rich when you are drunk! The best way to be ready for a fight is to be sober. The best time for you to think is, when you are sober. If you like to drink a lot of alcohol, you may want to consider quiting your drinking habit.

Take care of yourself and be good to yourself and your body. Keep your body and mind healthy and well, so they can help you to think well.

5. You must believe that today's circumstances are only temporary, they will change!

High achievers never look at their situation today; they always see themselves as how they can be in the future. Look, you may think that your situation today will never change. When you are going through a financial trials and challenges, you may feel like you are not making any progress in your life, but believe me, it is only temporary. Try to extract wisdom and understanding from the trials and challenges that you are facing right now. When hard times hit us, our mind will be forced to think.

I got my motivation to work hard when I didn't have food to eat that summer in college, my stomach was hungry, and I had to eat left over food. I didn't have a car for 6 years, believe me, it was tough when you had to ask your friends to drive you every where when you need to go somewhere.

I vowed to myself that I will work hard to achieve my goals and dreams. I realized that no body else would help me except myself. I was the one who was responsible for my destiny and life. I was the one who could change my life. I vowed to myself that I would work hard, to have the determination, patience and willingness to change my daily habits, so in the future; I don't have to eat left over food anymore, I can drive any car I want, and have my own place to live.

If you believe in God, it is time for you to really kneel on your knees and spend time with Him. Pray about it, ask God to bring financial wisdom and prosperity into your life! Don't be afraid to ask the Lord for a blessing! He is God who created you; He is the God who will give you strength, courage and wisdom to go on! Make a special time for you to talk to God and pray every day!

I believe in you're my friend, I believe in you! As you sit there right now, I want to see yourself as a special person with a special gift and talent that can be used to get you out of trouble! The best days of your life are just ahead of you! You may not be able to see the days ahead of you! But have faith! Have faith! You can do great things in your life! You can make a difference in your life! You have the strength and power to make your life better! I believe in you're my friend! I believe in you! Stand up, get up and stand tall! You are gifted with a great mind to think! Your mind can help you way different ways to set you free! Get up and stand up my friend!

Tell yourself right now out loud as you read this repeat this out loud after me "I am able to change my life! I can go through this trial that I am going through, I will stand tall, and I will not be defeated by these trials and challenges! I am special, I am unique, and I believe that the best days of me are just ahead of me! Everything will be just fine! I vow today that I will give my best to work hard for my future! I will not be lazy! I will form positive daily habits today! I will not lie again to myself, when I say I will do it, I will do it! Tomorrow will be a new day, and I will face with confidence, tomorrow will be a new day for me!"

Tip: How do you make $40/hour? When I was in college I lived in a dorm and I noticed some of the guys were lazy to wash their clothes. Listen to this story carefully. So I asked them whether I could do their laundry for them for $40/hour, believe me or not, some of them were willing to give me $40/hour to do their laundry. Some of you may say, "I don't want to do someone's else laundry." I know that, but while the rest of the campus made only $4.25/hour, while I was making $40/hour. It took nine and half hours for everybody else who was embarassed to wash other people's laundry to make $40. Can you imagine how much money you have if there are nine people who want you to wash their laundry! 9 people * $40/hour = $360/hour. The point that I am trying to make is, you don't really need a job to make money! If you only know how to observe other people's needs around you. You can serve those people's needs to make a lot of money.

I love each and every one of you and with all my heart; I believe that you can do it and you can start creating your wealth today!

? Copyright 2005 Pebden.com, ? Copyright Pebden.com 2005, Author: Entjik Jeffrie All Rights

Creating Money, Prosperity, and Abundance Now (Part 1)

I have given many prosperity lectures over the years and, in light of the current massive restructuring of all world and financial systems, I feel that now is the time for all of us to review our beliefs and refocus on manifesting prosperity and abundance in our lives. I do "walk my talk" and so I would love to share my experiences and knowledge with you. On the following pages, I will present you with some valuable tools that you can begin to use right away, to create money, prosperity and abundance in your life - with almost instantaneous results.

I started on this spiritual/metaphysical path as a child, studying and absorbing all I could. My American family, although not billionaires, did live in a beautiful mansion owned by a very wealthy and world-famous person in Japan. As a result, we were completely surrounded by an aura of affluence and security. On the property, and in the mansion itself, were several Buddhist temples, and that is where I started my daily (and secret) meditations at the age of five. By the time I was ten - a very magical year for me (and for many children, I've learned) - I had begun to give readings on the school playground and for adults. By then, I had already publicly demonstrated my artwork in Colorado.

Beginning in that tenth year, I also began to find money easily, usually on the ground. As I walked to school, I would frequently find dollar bills, sometimes five-dollar and ten-dollar bills, and once even a twenty-dollar bill sticking out of the snow. It was never that important to me, and I would always give the money to my mother, who recently had become a single parent. I would also hand over the loose change that I found in the schoolyard almost every day. When I look back on all of this, I realize that I was attracting money effortlessly, mainly because I didn't have any limiting beliefs about it. Also at this age, I was already starting to do my life's work and I believe that the Universe always supports us in every way when we are doing our life's work.

As I was growing up, attracting money and good things was never a problem for me. I didn't even think about it. When I needed something, I was always able to get it. About 15 years ago, I started a metaphysical business (that was part of my life's work). I attended college to study computer science and, simultaneously, the School of Metaphysics to learn new concepts that I could teach. I have used the knowledge I acquired in all of these endeavors to enhance my life's work. While I taught workshops on various subjects, including prosperity and abundance, I held down what I refer to as "3-D" ("third dimensional") jobs. Not until I was finally laid off in the spring of 2001 did I feel truly free. On that day, I celebrated, for it was a very joyful occasion for me. I had already learned that, when we lose our job, it always means that that job wasn't for our Higher good. Always.

When a job no longer "fits", when it's a chore to go to work and it's no longer enjoyable, it's either time to examine our job and see what changes we need to create to make it enjoyable, or it's time to leave that job. We'll get those whispers and nudges from our inner selves, telling us what we need to do. We'll have dreams about it. We'll begin to feel increasingly uncomfortable at our job.

In my situation, I knew it was time to go several months before the layoff and, as I pondered the best way to leave the position, I decided to bring joy and a sense of play into my workplace. So many of my co-workers were feeling extremely low by the increasing rumors that swirled about of job layoffs, declines in the stock market and the depressed economy. I initiated new ways to make work fun - potlucks, anything I could think of that would help change the energy of the working environment. This worked very well for me and, when layoff day arrived, I was joyfully ready.

I've learned that every situation in our lives teaches us how to love and that we can't leave something until we love it (or else we'll be tied to it). If you are in a job right now that isn't serving you anymore, find ways to bring love to your work. This alone may change the energy surrounding the job and you may find yourself enjoying it. Otherwise, you can focus on what you would really love to do (your life's work), while working at and bringing love to your current job.

My Book Recommendations

There are three books (among many wonderful books and sources) that I highly recommend to all who are serious about creating money, prosperity and abundance now. One is called, "Creating Money: Keys To Abundance" by Sanaya Roman and Duane Packer. The book is important, channeled information provided by two high-level guides named Orin and DaBen, with whom I've worked in the past (along with my spiritual guides), on various subjects. Both are available to all, at any time. This book is full of easy techniques and exercises that will help you see immediate results in your levels of prosperity. Positive affirmations are printed throughout the book to assist you.

Another exceptional book is called "Merlin's Message" by Marelin the Magician. It's about reawakening and remembering who you are.

"Within these pages, for those who have the 'eyes to see' and the 'ears to hear', Merlin reveals the secrets to awakening the wizard within you. He guides you into remembering and reclaiming your natural state of magic, that of the master magician you truly are".

This book is highly recommended by many people and you'll find that all the book reviews on "Merlin's Message" give it the highest rating. This is the kind of book you won't put back on the shelf when you are done. You'll refer to it, time and time again, as the magic unfolds in your life.

And then there is the book called, "Ten Thousand Whispers: A Guide to Conscious Creation" by Lynda Madden Dahl. This book also contains step-by-step instructions on how to consciously create exactly what you want in all areas of your life. Lynda Dahl became a millionaire; she became wealthy and free, using conscious creation and shares everything she did in this wonderful, practical book.

There is a wealth of information out there on this topic and I'll include some more book suggestions at the end of this article.

What Does Money and Prosperity Mean to You?

In my prosperity workshops, I noticed that some people would become a little angry when their beliefs about money were challenged - especially those who are on this spiritual path. This subject can raise many interesting issues. Some strongly believe that, instead of being spiritual, a desire for money is greedy. Others believe money is evil. Many times, these beliefs originate early in life, from our parents (and they learned them from their parents), or from others who influenced us. We hold these beliefs throughout our lives, coloring our experiences regarding money and prosperity. In order to create prosperity in our lives, we must replace ALL limiting beliefs. There's no way around it. It means taking responsibility for our lives. It means being willing to change.

You may have heard beliefs and sayings yourself such as, "Money is dirty"; "A penny saved is a penny earned"; "Artists have to struggle to make money"; "You have to work hard to make money"; "I don't deserve money", and so on. Our beliefs really do create our experiences and that's why I would like you to carefully examine your own beliefs about money and prosperity.

I've learned that it is our birthright to have abundance, prosperity and money. We are supposed to have it. I've learned we are in the process of remembering who we truly are. We really are powerful shamans, masters, avatars, wizards, magicians and creators. All of us. We just forgot.

Money is a means of exchange. Money is energy. "Creating Money," states that prosperity is based on the amount of good you contribute to the world. It says that success is creating something when you need it, it's loving and respecting yourself and others, it's growing and learning from all of your experiences and success is measured by the quality and happiness of your life. Being rich is having the money to do your life's work. And again, money is energy. Now is the time to understand exactly how energy works and how to use it in your life.

As we are dipping in and out of the fourth dimension, things are manifesting faster than ever before. It's more important now than ever to make sure energy is always flowing in every area of your life, in order to create your ideal life. How is your energy flowing?

Your Magic Wand

You are the source of your abundance. Have you heard that one before? I believe it's really true and I've experienced it in my life. Abundance doesn't come from your job or your retirement plans or your stocks, as many of you have been taught. Abundance doesn't come from your friends or partner or anyone or anything outside of yourself. Abundance has come from you all along. If it makes you feel better to say that the Universe or God or All-That-Is is the source of your abundance, please do so. It's all the same, anyway.

You really can create anything you want. I've learned that our thoughts are real, tangible things. Every day, we constantly manifest with our thoughts. When we think a thought, it takes on a form and becomes just like a magnet. It travels out there and, like a magnet, it attracts something that matches that thought.

In "Merlin's Message", Merlin says that our thoughts and feelings are exactly like a magic wand and each of us holds a magic wand. Your magic wand is very powerful and very real - pay attention to where you are pointing it! When you point your wand at something (or direct your thoughts and feelings toward it), that something, eventually, will appear before your eyes like magic - whether you wanted it or not. Where are you pointing your magic wand?

The Law of Attraction

The Universal Law of Attraction is a very simple but powerful law that allows us to create our reality. It states that what goes out must come back. When we are directing a thought toward something with our intention - let's say it's about not having enough money - we will attract things that support that thought. We will attract more lack. That's where we are pointing our magic wands. You attract what you are paying attention to.

The trick is to point our magic wands only at what we want, to see it manifest in our lives. That's all there is to it! Most of us are used to focusing on what we don't want, out of habit. We have thoughts like, "I don't have enough money to buy that" or "I can't afford to buy that". When those words and thoughts are released, they will only attract and create lack. That's the Law of Attraction. In "Creating Money", Orin and DaBen say, "If you recognize a negative thought, simply place a positive thought alongside it. If, for instance, you catch yourself saying 'I don't have enough money,' simply say 'I have an abundance of money'..." "Rather than saying, 'I can't afford to buy this,' say, 'I choose not to buy this at this time'".

They also state, "Positive thoughts are far more powerful than negative ones. One positive thought can cancel out hundreds of negative ones." That's really handy to know. Again, our thoughts and words are very powerful, important and magnetic. It is to our benefit to think and talk about our abundance rather than our financial problems. That means focusing on and talking about all of the wonderful things that are happening in our lives and are about to happen. It means speaking as if you are prosperous and abundant now. This, in turn, will increase your prosperity and abundance.

Acting As If

Acting as if you are prosperous and abundant is another key to increasing it. For instance, if you find yourself really not having the money right now to buy that new car you've had your eye on, why not act as if you did have the money and check out the new cars? Gather all the material you can on the exact type of car you want. Test-drive it and really get the feel of it being yours. You will soon attract circumstances, people and money to you until that car (or something better) really is yours. "Acting as if" is another way to keep your magic wand pointed at what you want.

Your Imagination

Another extremely powerful tool you have is your imagination. Your imagination allows you to fantasize, daydream, visualize and play out your dreams. Orin and DaBen say,

"Your imagination is greater in its scope than you might think. It is the closest link to your soul. It is not bound by your past programs, beliefs, and fears. Imagination was given to you so you could transcend your physical world. It gives you the ability to step outside of your personal limits and unleash your greatest potential. Your imagination can travel into any dimension or world..."

As an artist, I've never stopped using my imagination since my childhood and I know how powerful it really is. What I do is sit back and use all of my senses in my imagination, making the scene as real as possible. I really "see" myself in my mind's eye doing or having what I want and I "hear" people talking and the sun really is shining and warming my skin. I play it out in my mind until I can almost touch it - it's so real.

Speaking of play, learn to play just like children do, just like you did when you were a child. Children are always using their imaginations, conjuring up imaginary people and scenarios, playing make-believe. This is actually a very powerful process, a very important part of creating. We can accomplish much with play.

"Creating Money" states, "if you can't believe it is possible, then you aren't going to have it". It's that simple. And if you aren't as visual in your visions and fantasies, I've learned that using your feelings is also effective. You won't attract anything until you can see it in your mind's eye or sense it. You must believe it is possible first, then see or feel it happening. Using your imagination in this way, visualizing, daydreaming with all of your senses in it, creates exactly what you want. You've been doing this all along, anyway -now you can do it on purpose!

Speeding Things Up

If you want to speed up the manifestation of what you desire, increase your emotions about it. Emotions energize thoughts. I've learned that strong emotion plus intention and desire will bring almost instantaneous results.

For an example, think of something you really, really wanted in the past that you did get. Remember how you felt about getting it? That excitement and expectation of having it, using it, and enjoying it all drew it to you pretty quickly, didn't it? And you probably didn't even notice the process.

Lynda Dahl of "Ten Thousand Whispers" writes, "Intensity is the core that draws the EE units (electromagnetic energy units) into an eventual mass, and the stronger the intensity or emotion, the sooner the mass enters this reality. It matters not whether the intensity is formed around a fearful event or a happy one, a consciously chosen event or one we entertain through unconscious focus, the result is the same."

So, using your strong emotions will also bring what you don't want more quickly to you if your magic wand is pointing at something negative, such as lack or fear. This is the Universal Law of Attraction. What you want to do is to energize your thoughts with feelings of joy, excitement and expectation and be prepared to see your desire appear before you very quickly.

Another powerful way to speed things up is to focus on the essence or meaning of what you want. For example, if you desire a large sum of money, think about what the essence of that money stands for. What does having that amount of money really mean to you? What is its purpose? Is it freedom, security, happiness? Once you pinpoint the essence and have a clear picture of it, focus on developing that quality or essence now. This will draw what you desire to you in ways you didn't even think of, and much faster.

Doing Your Life's Work

Now is the time for you to be doing your life's work, if you are not doing so already. If you don't know what your life's work is, look at your skills and talents. I believe that all of us were born with many talents and have, or will, acquire more during our lives. They will lead us toward our life's work, what we really came here to do. Little children usually provide strong clues of these talents and gifts and, many times, they will express what they came to this planet to do. Having been a numerologist for over thirty years, I've assisted many to discover their true purpose in order to get their lives started.

Your soul is always nudging you in the right direction. If you are currently in a job (or without a job), thinking that you must save enough money, first, before you can do your life's work, I would ask you to reconsider that. As I mentioned, I believe when we start doing our life's work first, the Universe will always support us. Before we know it, we are meeting the right people, we are in the right place at the right time, and we are attracting whatever money we may need to accomplish our goals. Even if it's a little step toward what you really love to do while you are working at your current job, you will always be supported and many doors will begin to open.

Chyrene is the owner of The Isle of Light Inc., a spiritual, metaphysical online spiritual center dedicated to assisting all to become more empowered and enlightened in a wide variety of ways. She is a certified television show producer and co-produced and hosted The Isle of Light television talk show in Denver, Colorado, which continues to air biweekly. Chyrene is also the producer and host of The Isle of Light Internet radio talk show which airs 24 hours each day at Live365.

Chyrene Pendleton?s websites can be found at:

http://www.theisleoflight.com http://www.live365.com/stations/avalon22 http://theisleoflight.blogspot.com

Chyrene can be reached by email at: cap@theisleoflight.com or by phone at 303-859-1556.