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.

Private Money Vs Hard Money

I interview real estate investors for my website and recently I came across a number of investors who teach about using private money to purchase real estate. However, if you would have asked me one (1) year ago about the difference between private money and hard money I would not have been able to tell you anything. The difference however is very critical.

Broken down into its simplest form the main difference is with private money you decide the terms of use and with hard money the lender decides the terms of use. Now this very basic difference has a lot of impact on your real estate investing business. One type of money is not necessarily better than the other but you should in fact no the difference.

Where does the money come from?

In both scenarios you are going to receive the money from an outside investor. There are several ways to discover these investors from holding luncheons to running ads in the local paper. The investors know that real estate will offer a higher return than the market so they are inclined to give you some dollar amount in exchange for a percentage of return.

So what about the Terms of Use?

Private Money: the terms of use with private money tend to favor that of the real estate investor. Why? Because you as the investor set the terms exactly how you want. You go to the investor and they agree to give you X amount of money and in exchange they will be paid X% return. You can structure this so they receive a monthly return exactly like any lending institution structures a basic mortgage or you may want to give a higher percentage and pay the investor in one lump sum at the close of the deal. However you slice it, you decide where to spend the money, when to spend the money, and how to spend the money. But you do need to have your business set up so that a third party holds the money until you are ready to use the money. The best part about using private money is you determine what is done with the money because you are the real estate investor, you don't have the private money investor watching over your shoulder. In fact, if using private money I would not even let the private money investor look at the deal. They are not real estate investors rather they are simply your financial backing.

Hard Money: with hard money the deal favors the hard money investor. The hard money investor lays down the terms of the deal. Everything from the percentage of return they will make to the type of deal you can do with the money. If the hard money investor wants you to do a rehab and then flip the house, well that is exactly what you will have to do. There is nothing wrong with this scenario if you can get a better deal as a real estate investor and are confident that you will be able to meet the terms of the hard money investor. Hard money does have its advantages and can be more useful depending on the deal but it is in each specific circumstance which you will have to determine which type of deal is better for you, the real estate investor. When working with a hard money investor it is always important that you have them sign some sort of agreement so you do not get taken advantage of. For example, if you discover a great investment opportunity and approach your hard money investor, it is very easy for them to go around your back and make the deal happen while you are left out in the cold.

Finally, both types of scenarios are very favorable for all parties involved. If a real estate investor can offer the person who is tired of investing in stocks and bonds and the volatility of the stock market a way to make more of a return, they will jump at the opportunity. You will most likely start off slow but once you prove yourself to that money investor, they will be more inclined to give you money a second and third time down the road, and they will often be willing to give you more money so you can do bigger deals. Just always be careful that everything thing is done within the confines of the laws in your area and that you cover your interest in each deal with good paperwork.

Ross Treakle is the co-creator of the REIFormsGenerator. The REIFormsGenerator allows any level real estate investor to quickly and easily complete any set of real estate contracts in less than five minutes. To take a look at the power of the REIFormsGenerator and receive a FREE HUD-1 Generator, go to http://www.reiformsgenerator.com

Hey There, What's Your Money Personality?

Guys who come up to women in bars and ask: "hey baby, what's your sign?" Since statistics reveal that couples fight over money more than any other issue, maybe a better question to start off a potential relationship is to first find out the other person's money personality.

I just learned about money personality typing in a recent workshop and it is quite fascinating. Basically there are four personality types:

The Savers/Hoarders

Savers embrace the concept of putting something away for a rainy day. Savers describe themselves as responsible. Some of their friends may describe them as stingy or tightwads. Having money make hoarders feel in control and secure. The downside of being a Hoarder is that you may carry it too far and never enjoy what you have accumulated. It could be no fun to live with an extreme Saver.

The Spenders

On the other side of the coin are the Spenders. These folks love instant gratification. You make money to spend it. Funny thing about Spenders are that they are usually not only spending money, but other resources too, like energy, and passion. So, it may be a blast to hang out with an extreme Spender (just imagine going shopping with one), it may also be exhausting and the pleasure fleeting. Another potential problem is that extreme Spenders will spend money they don't have and accumulate huge debts.

The Avoiders

Bobby McFerrin wrote the song "Don't worry, be happy" just so these folks can have their theme song. They seldom bother even opening their bank statements. It's just too much trouble to balance their check books. "Gosh darn, did I send in a payment late again? You see, I really needed to wash my car and get a haircut and.." If you are a fellow Avoider, you probably will get along famously with one. If you like your life orderly, you're in for a rough time, and may find yourself taking on all the money management tasks in the relationship.

The Money Monks

This groups termed themselves "Holier than dough". They are too spiritual to be concerned about something as pedestrian as money matters. Consequently, they very seldom have any money to be concerned about. Again, if you are paired with a Money Monk, you may have to shoulder the money management responsibilities all your own.

I have intentionally described these personalities to the extreme. Not many people are quite that extreme. However, we all have a tendency to be closer to one type than the rest. So, think about how you operate and if you have to categorize yourself, what is your money personality type? What is the type of your significant other? Based on your answers, can you anticipate what issues you would have with each other regarding the issue of money? Even if you both are the same money personality, what money issues are you facing? What are you unhappy about in regards to your money situation? What's one action can you commit to that will improve that situation?

If you are a couple who tend to fight over how each other spends money, here's a suggestion: decide on an amount (call it an allowance or whatever you like) that you each get monthly. Choose an appropriate amount based on your income and financial situation. Regardless of how much each party earns, the amount MUST be the same for both. Then make a pact that you each get to spend that allowance whichever way you choose no questions or criticism from either party. If you are a Saver, and decided to put your allowance into the bank, but your wife went out and bought herself a Kate Spade bag, that's okay, because that is the agreement. How many arguments could you have avoided if you had this arrangement in place?

Now that you know about money personalities, figure out what you like about your personality and what you would like to change. Then ask your partner: "what's your money personality?"

© 2004 Inez O. Ng

ABOUT THE AUTHOR: Do you need some structure and accountability to propel you forward? Personal Coach Inez Ng has worked with professionals and entrepreneurs to transform their aspirations into reality. While focusing on specific areas, her coaching positively impacts all areas of her clients? lives. Learn more about coaching with Inez at http://www.RealizationsUnltd.com

Money Management, Part 2

FEARING LOSSES

There is a huge difference between being risk averse and fearing losses. You must hate to lose. In fact, you can program your brain to find ways to not lose. But not losing is a logical thought-out process, rather than an emotion-based reaction.

Two human-based tendencies come into play. The first is the sunk-cost fallacy and the second is the exaggerated-loss syndrome.

Sunk-cost fallacy: You are in a trade that begins to go against you. You reason that you have already spent a commission, so you have costs to make up for. Moreover, you have spent time and effort researching and planning this trade. You reckon that time and effort as cost. You have waited for just such an opportunity and you are afraid that now that it has come you will have to miss this trade. The time spent waiting for opportunity is something you also count as cost. You don't want to waste all these costs, so you decide to give the trade a little more room. By the time you realize what you've done, the pain is almost overwhelming. Finally, you have to take your loss which is now much larger than it might have been. The size of the loss adds to your fear of ever losing again. The end result is brain lock and inability to pull the trigger on a trade.

Exaggerated-loss syndrome: You give the importance of losing on a trade two to three times the weight of winning on a trade. In your mind, losses have greater significance than wins. In reality, neither is more or less important than the other. In fact, wins do not have to be as numerous as losses as long as the wins are significantly larger in size than the losses. Of course, best is to have more wins than losses with the wins greater in size than the losses.

What should be done?

Evaluate your trades solely on their potential for future loss or gain. Ask yourself, "what do I stand to gain from this trade, and what do I stand to lose from this trade?" Think the matter through. "What is the worst thing that can happen to me if I take this trade, and do I have a plan and a strategy for extricating myself long before it happens?" "If I begin to lose, is there a way I can turn things around and come out a winner?" Learn to look at the costs of a trade as part of your business overhead. Try to have a mind set that you will not throw good money after bad. When you give a trade more room, you are doing just that - often throwing away money.

VALUING INVESTED MONEY MORE THAN WON MONEY

Traders have a tendency to be more careless with money they've won than with money they've invested. Just because you won money on good trades doesn't mean you should gamble with that money. People are more willing to take chances with money they perceive as winnings as though it were found money. They forget that money is money. Valuing money depending on where it comes from can lead to unfortunate consequences for a trader. The tendency to take greater risk with money made from trades than with money invested as capital makes no sense. Yet traders will take risks with money won in the markets that they would never dream about with money from their savings account.

What should be done?

Wait awhile before placing at risk money won on trades. Keep your trading account at a constant level. Strip your winnings from your account and put them in a safe conservative place. The longer you hold on to money, the more likely you are to consider it your own.

FORGETTING ABOUT MARGIN INFLATION

Before the crash of 1987, S&P 500 stock index futures carried an exchange minimum margin of about $12,000 . Immediately after the crash, margins required by some brokers rose to $36,000 and higher.

A trader we know, called Willie, figured that if prices on an index he was short went down, he would continually add to his position whenever prices first pulled back and then broke out to new lows. The index he was trading became very volatile, and his broker raised margins to by 1/3rd. Willie was trading a small account, and when he tried to sell short additional contracts onto his already short position, his broker would not allow him to do so. Willie complained bitterly, but the broker was adamant in his refusal. The broker would not allow Willie to use unrealized paper profits to cover the additional margin required for adding on. He explained to Willie that to do so would in effect allow Willie to build a pyramid position and that was not going to be allowed by the broker's firm.

The mistake Willie was making was what some call the "money illusion." Willie assumed that because his position was moving in his favor that he had more selling power and more margin. His broker quickly brought Willie face to face with reality. While some brokers may allow it, unrealized paper profits do not truly constitute additional funds that may be used for margin. Willie's dream of fabulous profits from this trade were just that, a dream. Willie should be thankful that his broker did not allow him to get in trouble. Pyramiding with unearned paper profits is not the way to succeed as a futures trader.

What should be done?

You should realize that each so-called "add-on" to an open position is really a whole new position. Each add-on carries all new risk, and each add-on brings you closer to the add-on trade which will fail and become a loser. When planning a trade, be aware that if the market becomes volatile, margin requirements may go up, thereby defeating any strategy for adding on to your position. There is nothing wrong with building a position one leg at time as prices ascend or descend, but when volatility dictates an increase in margin requirements, beware of trying to add on and be aware that you may not be able to add on.

Option sellers can quickly get into similarly difficult positions. As they roll out to new strikes to defend a threatened short options position, they can find themselves not only facing the need for a larger position, but also facing increased margins in creating that larger position. They may discover that they no longer have sufficient margin to defend a particular position and thus have to eat a sizable loss.

MORE KEY MISTAKES

Throughout our courses we mention some key mistakes commonly made by traders. Here are a few more:

Error: Confusing trading with investing. Many traders justify taking trades because they think they have to keep their money working. While this may be true of money with which you invest, it is not at all true concerning money with which you speculate. Unless you own the underlying commodity, for instance, selling short is speculation, and speculation is not investment. Although it is possible, you generally do not invest in futures. A trader does not have to be concerned with making his money work for him. A trader's concern is making a wise and timely speculation, keeping his losses small by being quick to get out, and maximizing profits by not staying in too long, i.e., to a point where he is giving back more than a small percent of what he has already gained.

Error: Copying other people's trading strategies. A floor trader I know tells about the time he tried to copy the actions of one of the bigger, more experienced floor traders. While the floor trader won, my friend lost. Trading copycats rarely come out ahead. You may have a different set of goals than the person you are copying. You may not be able to mentally or emotionally tolerate the losses his strategy will encounter. You may not have the depth of trading capital the person you are copying has. This is why following a futures trading (not investing) advisory while at the same time not using your own good judgment seldom works in the long run. Some of the best traders have had advisories, but their subscribers usually fail. Trading futures is so personalized that it is almost impossible for two people to trade the same way.

Error: Ignoring the downside of a trade. Most traders, when entering a trade, look only at the money they think they will make by taking the trade. They rarely consider that the trade may go against them and that they could lose. The reality is that whenever someone buys a futures contract, someone else is selling that same futures contract. The buyer is convinced that the market will go up. The seller is convinced that the market has finished going up. If you look at your trades that way, you will become a more conservative and realistic trader.

Error: Expecting each trade to be the one that will make you rich. When we tell people that trading is speculative, they argue that they must trade because the next trade they take may be the one that will make them a ton of money. What people forget is that to be a winner, you can't wait for the big trade that comes along every now and then to make you rich. Even when it does come along, there is no guarantee that you will be in that particular trade. You will earn more and be able to keep more if you trade with objectives and are satisfied with regular small to medium size wins. A trader makes his money by getting his share of the day-to-day price action of the markets. That doesn't mean you have to trade every day. It means that when you do trade, be quick to get out if the trade doesn't go your way within a period of time that you set beforehand. If the trade does go your way, protect it with a stop and hang on for the ride.

Error: Having profit expectations that are too high. The greatest disappointments come when expectations are unrealistically high. Many traders get into trouble by anticipating greater than reasonable profits from their trading. They will often get into a trade and, when it goes their way and they are winning, they will mentally start spending their winnings, and may even borrow against their anticipated winnings to take on additional risk. Reality is that you seldom make all of the money available in a trade. I cannot count the times that I had for the taking hundreds or thousands of dollars in unrealized paper profits only to see most of those profits melt away before I was able to or had the good sense to get out. One trader I know had $700 per contract profits in a short eurodollar trade. The next day his position literally imploded on news of a 50 basis point cut in interest rates. He was lucky to get out with $350 per contract. The money from trading often doesn't come in as fast or as plentifully as you have expected or been led to believe, but the overhead costs of trading arrive right on schedule. False profit expectations have caused aspiring traders to leave their job before they were really successful. The same false hope causes them to lose the money of friends and family. False hope causes them to borrow against their home and other fixed assets. Too high expectations are dangerous to the well-being of every trader and those around him.

Error: Not reviewing your financial goals. Before you make a position trading decision, or before you begin a day of day trading, review your motives and your goals.

o Why are you trading today?

o Why are you taking this trade?

o How will it move your closer to your goals and objectives?

Error: Taking a trade because it seems like the right thing to do now. Some of the saddest calls we get come from traders who do not know how to manage a trade. By the time they call, they are deep in trouble. They have entered a trade because, in their opinion or someone else's opinion, it was the right thing to do. They thought that following the dictates of opinion was shrewd. They haven't planned the trade, and worse, they haven't planned their actions in the event the trade went against them. Just because a market is hot and making a major move is no reason for you to enter a trade. Sometimes, when you don't fully understand what is happening, the wisest choice is to do nothing at all. There will always be another trading opportunity. You do not have to trade.

Error: Taking too much risk. With all the warnings about risk contained in the forms with which you open your account, and with all the required warnings in books, magazines, and many other forms of literature you receive as a trader, why is it so hard to believe that trading carries with it a tremendous amount of risk? It's as though you know on an intellectual basis that trading futures is risky, but you don't really take it to heart and live it until you find yourself caught up in the sheer terror of a major losing trade. Greed drives traders to accept too much risk. They get into too many trades. They put their stop too far away. They trade with too little capital. We're not advising you to avoid trading futures. What we're saying is that you should embark on a sound, disciplined trading plan based on knowledge of the futures markets in which you trade, coupled with good common sense.

All the best in your trading,

Joe Ross

Trading Educators Inc

ABOUT JOE ROSS:
Joe Ross has been trading for more than 47 years, and is a well known Master Trader. He has survived all the up and downs of the markets because of his adaptable trading style, using a low-risk approach that produces consistent profits.

Joe is the creator of the Ross hook, and has set new standards for low-risk trading with his concept of "The Law of Charts?." Joe was a private trader for most of his life. In the mid 80's he shift his focus and decided to share his knowledge. After his recovery, he founded Trading Educators in 1988 to teach aspiring traders how to make profits using his trading approach. He has written 12 major books on trading. All of them have become classics and have been translated into many different languages.

Joe holds a Bachelor of Science degree in Business Administration from the University of California at Los Angeles. He did his Masters work in Computer Sciences at the George Washington University extension in Norfolk, VA. Joe still tutors, teaches, writes, and trades regularly. Joe is still an active and integral part of Trading Educators.

Don't Expect To Earn Fast Money Online

I've spent the last three years working towards actually earning

money online. In most of that time period though, the money has

been leaving my wallet faster than it has been coming into my

wallet.

"EARN MONEY FAST OPPORTUNITIES"

In my first year online, I tried all kinds of "earn-money-fast

opportunities" --- everything from MLM to turnkey websites. I

hate to admit this, but if I didn't make any money the first

couple of months after I had signed up for one of these programs,

I just gave up and moved on to the next opportunity.

Then I would begin the whole process all over again. I found a

new site that promised to all who joined, that they would earn a

lot of money fast, and they would earn their money without hard

work.

I know the truth now, it was just another line of bulls**t!!!!

Twelve months later, all I had to show for my first year online,

was many wasted hours and lots of wasted money.

THE MAKING OF A WEBSITE

As I began my second year, I realized that I had to make my own

website. I didn't know anything about HTML. And, I knew nothing

about where to find a hosting company, or even why I needed one.

So the first six months of that second year, I was learning the

basics of how to become a webmaster. I read through all the

forums about web-mastering and SEO that I could find on the

Internet, and tried to build a website that finally could make me

some money.

I finally got my website up and running.

For the first 8 months that I had my website, I did not earn any

real money for all of my hard work. The worst thing that could

happen to a person began to happen to me... I began to lose hope.

I began to believe that making money from the Internet was just a

far-fetched dream that I could never attain on my own.

I was not alone. Hundreds of thousands of people have met or will

meet this same crossroad in their Internet careers. Some will

take the easy road and walk away from their dreams. Others will

push on, not willing to let their dreams die.

I decided to push on.

I added new pages of content to my website every week. I

exchanged links with other websites as often I could. Slowly and

steadily, the visitors were starting to come to my little corner

of the internet to browse and buy.

In the early stages, I had 30-50 visitors each day. Then, I began

to see 100-150 a day. And soon, the first small amount of money

was earned through my website.

Now it's 4 months after my first payday, and the traffic is still

getting higher each week. Even though I'm not earning a whole lot

of money now, I believe it's just a matter of time until I can

leave my day job.

THE FIRST LESSON LEARNED

Looking back on these last three years, I have learned a few

things that I would like to share with you today.

First of all, you should never join any of those scam sites that

claim you will make a lot of money fast without working hard.

The cold, hard truth is that there is no way that you can make

money online unless you are willing to work hard!

The next time you read about an opportunity where the promoter is

telling you that you will not have to work hard to be successful,

Stop! Stop and ask yourself "how hard this person is working" to

part you with your money?

What about that email opportunity you are reading, where this

anonymous person is telling you that you will not have to send

other people email in order to make money? If he is being honest

with you about the nature of his business, why did he have to

send you an email to get Your business? If his way is best, why

is it that he is not practicing what he preaches?

You have to approach new programs with your eyes wide open! Be

willing to read between the lines to see if the promoter is lying

to you to part you with your money. Be willing to research on the

internet what other people have said about the program that you

are looking at. Be willing to discover and separate the people

who are trying to sell the program, from the people who are

giving you an honest appraisal of the program, from the people

who are just complaining about everything to hear themselves

talk.

In the end, it comes down to this. If you get involved with one

of the myriad of scam opportunities floating around out there,

you will end up spending all of your money with zero rewards in

your pocket for your time or effort.

THE SECOND LESSON TO BE LEARNED

Find a niche product to sell or promote. And then make your own

website. If you don't know anything about how to become a

webmaster, use Google to find forums about the subject. Or, you

can buy a ebook about web-mastering.

Don't expect to earn much money the first year your website is

online. Look at it as your learning period. Be persistent and

don't take any shortcuts. It takes time to build a money making

business, whether you make your business online or offline.

And finally, try to have fun while you are working on your

website. It's much easier to become successful if you like the

work you are doing.

Good luck!

Torgeir Sunnarvik, Norway
mailto:webmaster@everypleasures.com

Torgeir Sunnarvik is the owner and webmaster of: http://www.everypleasures.com/. His site offers free ebooks, ebooks with reprint rights, and marketing articles.

Discover the Secrets and Possible Solutions To Money Problems

It is sometimes pitful how many projects are never born

or die simply because of the flimsy excuse : "We don't

have enough money !"

There are many possible solutions to money problems.

When a practical, inspirational, exceptional idea raise

from your mind, don't ask the question : "How much will

it cost ?" untill the conceptis fully discussed,

considered and examined.

First ask opportunity spotting questions like :

1. Is this a neeed filling idea ?

2. Would it be a great idea for the society ?

If it appears that the idea would fill a need or solve

a problem or create opportunities or contribute to

growth or bring about fruitfull improvements, then ask

the question : "How can I raise the needed funds ?"

If the idea meets all the tests and you want it to be

launched, you will be able to find a way to finance

your dream.

Here are 10 secrets to solve your money problems :

1. You can begin with nothing.

Dreams cost nothing. Do you have a dream ? Are you

facing money problems ?

Then remember this : "All great projects begin with a

dream."

Projects can be started without a single cent.

If you have a need filling, glorifying, inspiring,

imaginative idea, share it with trusting, positive

thinkers and you will at least give your dream a chance

to come alive.

The most valuable product in the world is an idea and

good ideas magneticaly attract support from unexpected

sources.

2. You can do a lot with a little.

You can organize a corporation with very little. It

doesn't cost too much to have letterheads and calling

cards printed. So you can begin almost anything for

very little cash.

A little bit of money can go a long way to get a

project on the road. If there is a corporation or

organisation dedicated to the fulfillment of a

proctical and beautiful dream, you can be sure that the

human instinct to preserve a positive idea will surely

move the project forward.

When dedicated leaders invest teir best time, energy

and money in a project, they inspire other investors to

come their way. Investors are attracted to imaginative,

daring and honest leaders. A young man or woman with

big dreams and a little money, putting all that he has

into his idea, will find support coming from th ekinds

of people who can lead him or here to success.

3. You can earn more money than you think you can.

Money should not stop you, for there is more money

floating around than you realize. Just because you

don't have it doesn't mean you can't get it.

You are bearers of good news, fo you tell people about

some wonderful product, service or opportunity people

might never have heard about. Many custumors will

listen , love what they see and buy enthousiasticly and

thank you for taking their money away in exchange for

something they joyfully purchase. You make people happy

when you help them spend their money.

The profit motive is a good motive if you look upon

money as a means of improving your society, your

family, your church or your own mind and body. The love

of money is the root of evil only if money becomes an

end in itself instead of a means to greater service.

So, get all the money you need.

The man who gets the money is the man who believes that

he can.

4. You can build your fortune on borrowed money.

There are millions of dollars waiting to be loaned out

to worthy enterprises and to responsible and would be

businessmen or -woman.

All money acquired in the banks and savings and loan

institutions must be invested.

If you can't borrow from commercial institutions, you

can often borrow from private individuals.

Somehow, some way, you can borrow money to get started.

And remember that debt is not necessarly a disgrace.

Often debt is material evidence of a man's courage and

confidence.

Just consider all the possible benefits that accrue

when a responsible and honest person goes into debt.

Often you may never succeed unless you hav faith enough

to dare to go out and borrow money.

5. You must understand what real debt really is.

What, after all, is debt ?

When you borrow money for food or the light bill or the

water bill, you are spending money that is gone

forever. This is a real debt.

When you want to borrow money to buy a car or a house

then you are not going into debt; you are going into

the investment business.

If you can't pay off your house loan, you can sell the

house, pay the debt and any money you may have left is

your return from your investment. Then you have a

profit from you investment.

6. You will attract money when you fill a vital need.

It always pays to serve. Improve and expand your

business and people will come, income will automaticaly

increase and principal indebtedness will very naturally

take care of itself.

Provide unsurpassed service and you can be a success.

It is not a disgrace to borrow money ot provide a

needed service. It is a disgrace not to give a good

idea a chance to be born.

7. You can get the money if you dare to ask for it.

The Bible says : "Ask and you will receive." "You have

not because you ask not."

Jesus Christ said : "Ask and you shall receive, seek

and you shall find, knock and it shall be opened to

you."

Be positive , have a constructive cause. Let it be

creative and inspiring and people will be attracted.

Sell a wonderfull new idea. Offer people an exciting

opportunity to share in building something wonderful.

Every person wants to be creative, important and

useful. The need to be needed is one of the deepest

hungers in the human heart and everyone want to spend

his money.

Give people a dynamic program and they will love to

give to it.

8. You can harness the pyramiding power of time.

Let time solve your money problems. Harness the

calender and let it harvest the crop of money that is

raised each year from the fertile fields of free

enterprise.

It's quite possible that money is not your problem

after all. Your problem may be a lack of patience. So

learn how to harness time to let time make money for

you.

9. Make God your partner.

This is the key which may unlock your door to success.

This does not mean that if you team up with God, you

will naturally be rich. But it is true that if you do

enter into a sacred agreement to make God your partner,

you will receive insights, inspirations, bright ideas

and courage to move ahead when and as you should.

10. You can start over again.

If you have suffered financial failure remember this :

"Fear is more disgraceful than failure."

It is a greater disgrace not to dare to try again than

it is to try and fail.

Read the story of most millionaires and you will find

that many have been bankrupt at least once.

Don't let that old cry : "We don't have enough money

!", keep you from accomplishing worthwhile projects.

There will be a way.

"When you need an expert, hire one. Don't try to be

one."

© 2003

Fernando Soave CEO CUTTING EDGE MLM [http://www.cuttingedgemlm.tk] Free Cutting Edge MLM Newsletter. Fernando Soave is the author of "Cutting Edge MLM News." He has been in marketing for 20 years and is helping individuals succeed online. Visit his site to find out how you can get free reports. [http://www.cuttingedgemlm.tk] or Subscribe to the Free Cutting Edge MLM Newsletter and receive your +$585 MLM Value Pack. [http://www.cuttingedgemlm.tk] mailto:mnet@followup101.com?subject=SUBSCRIBE

4 Steps To Control Your Money

Everyone I have ever spoken with claims to have the desire to be in control of their money. Most of these people will admit that they don't feel like they have very much control over where their money is spent and a surprisingly large number tell that their money is in control of them. The people who feel like their money is out of control are not the same people who don't know how to stop spending when they are out of cash, or when their checking account is perpetually overdrawn.

If your money is controlling your life, you may have the feeling that you get up in the morning and go to work for the sole purpose of bringing home a paycheck and signing it over to the mortgage holder, the auto finance company, the utility providers, your eldest child's college tuition office, your youngest child's youth activity director and every door-to-door child pitchman selling school fundraising items.

How can you tell when your money is out of control? You fell as though it is simply getting up and leaving your wallet whenever it darn well feels like it. So what are you to do about your money and controlling where it goes?

1. Know where you stand

Anytime you are going to go change anything in your life, you have to know what it is that needs changing. This is the same whether you are talking about your finances or your weight.

What you need is a snapshot of where your finances are right now. The only way to do this is to create a Net Worth Index.

There is only one way you can create a Net Worth Index - and that is honestly. Drop the kids off with your in-laws, sit down with your spouse and start writing everything down on paper. You can use a computer spreadsheet if you want to.

Start by listing everything you have that can be sold, and how much you could reasonably expect to get for it. Do not claim your 19th Century rocking chair from Grandma Hopscotch is worth $500 if someone who isn't sentimentally attached would only pay $100.

While you and your spouse are taking inventory, remember to include watches, diamond earrings, boats, vacation time-shares, stocks inherited from Uncle John and your retirement accounts. List everything and its' sale value. When you do things like Certificates of Deposit and IRA's where there is substantial penalty for early withdrawal use the face value. For our purposes we'll figure you won't be taking the money out until it has matured.

Now that you have inventoried everything of value and totaled up what it is worth, do the same for your debts. Add in loans from family, friends, banks, businesses, and mortgage companies, past due accounts with the Gas Company and all credit card balances. This is not the time to "forget" someone you owe.

Subtract how much you owe from how much you own. This number is your Net Worth and should be a positive one, though it could be kind of tiny. You won't need to use this number again until next year when you calculate your Net Worth Index again.

If your Net Worth Index reveals a negative number you are definitely doing something right by working to bring your money under control. What you'll have to do is follow these four steps, and if necessary taking drastic measures such as a second job, selling valuables, or even selling your current house and moving into a smaller, less expensive dwelling.

2. Develop Your Goals

After you know where you stand financially, you need to decide where you want to go. This involves setting some reachable targets or goals.

Goal setting is not very complicated and in this instance, we are referring to the overall target of gaining control of your money. To do this requires a few measurable small goals, sort of like baby steps.

Your first baby step is to create a plan to pay off your debts. Look at your list of debts again and find which one is the smallest. This is the one you want to pay off first. Pay your minimums on all the others, and then pay everything you can extra a month on the smallest debt.

When it is paid off, take all the money you had paid on the smallest and add it to what you are paying on the second smallest. Keep doing this until you are out of debts to pay off. It doesn't matter if your debt is for a house or for your soda pop at the corner gas station Following this plan you have created to pay them off is your first baby step.

The second baby step will be the creation of an Emergency Savings Account. This account needs some money added each month until you have accumulated enough money to equal six months of your income. The money you set aside here will help you avoid debt when you have to make a surprise car repair or meet the deductible for your child's appendix operation.

Your third baby step will be found in the next paragraph, under the heading of Spend with a Plan.

3. Spend with a Plan

Now that you know you are serious about controlling where your money goes, and you are seriously doing something about your debt it is time to make a plan. A spending plan is comparable to a budget in the same way an imported pickup compares to an F-150. When you use a spending plan to guide your finances, you know critical work is getting done.

You need to know what your take home, or net, pay is. Start with your gross monthly salary and deduct all taxes and Social Security contributions. Next you should subtract how much you tithe or contribute in charitable giving each month.

The amount you have left is your Spendable Income. The next thing to pay for is your house expenses and your grocery bill - include only the food you buy in a grocery store to prepare yourself, no eating out or fast food here.

The very next thing to subtract is your debt payment. Once this is taken out, you are left with the money you can spend on everything else you require to live on for the month - also known as your Disposable Income. Write down everythingwhat all you spend money on and see just how much it costs you.

Since it wouldn't do any good to be working at paying off your debts if you are adding to them every month, you had better find a way to cut your spending down below your Disposable Income or else you will never have control of your money.

Working with your spouse you can decide how to buy store brand things for a fraction of the cost, do without the monthly beauty saloon treatments, cancel club memberships and eat at home instead of dining out 3 nights a week. Perhaps you could even take your lunch to work instead of eating in the cafeteria every day.

The key is to find fun ways to decrease your spending amounts. Involve the children and find small ways to reward them for their practical money saving ideas, after all, they are part of the family and can help too.

Once your spending is under control and kept below the level of Disposable Income available, start to enjoy life. While you are probably not quite as materialistic as the Jones', you can enjoy a great quality of life than they do as they run controlled by their money.

4. Clean Up Your Clutter

I've found that after setting debt repayment as a goal, wrangling the spending into line and in general improving my life by gaining control of my money there is too much stuff in my life. Not activities, but material things.

This is a good time for you to have a garage sale and clean out your closets, the attic and wherever you have hidden all that stuff over the years. The money you raise could be applied towards your smallest debt to speed along its repayment.

Another thing you can do is look for larger things in your life you can dispose of that will help you reach your goal sooner. Do you have a vacation home you haven't taken a vacation to for several years? What about that second or third car - can you sell it, pay off the loan against it and use cash to outright buy a good used car?

You might think it will hurt to make large changes like this, and it might. Once you have taken the step though, you will feel an easing of the burden on your shoulders.

These four things are just the tip of the iceberg when it comes to controlling money. This short over view is enough for you to get started thinking about ways to begin taking control of your money, but it doesn't begin to be a step by step guide. Those kinds of guides are out there, but they are too thick to include here.

Using this as a quick start guide to controlling your money will get you pointed in the proper direction. As you progress you'll find dozens of ways to write your Spending Plan, a hundred more goals to set, and plenty of ideas on how to cut costs. When you are debt-free and telling your money what to do, instead of following it around, you'll be a happier person.

Roger Sorensen

America's Financial Guide can be found at ==>http://www.Slave2Work.com Subscribe to Money Basics via http://www.slave2work.com/ezine.html

Slave2Work.com - Are you ready for financial freedom?

Does Money Make Money?

If it is your goal to accumulate wealth, believing the fallacy that money makes money, will hinder your progress to no end. This belief stifles many to a life of failure, and misery.

The goal setting theory of motivation means that you need to be positive - and realistic - to be able to reach your goal, especially if that goal is to make money.

How many times do we hear that "money makes money." Money can make money just as easily as Ferrari can win the Grand Prix without Schumaker in the driver's seat.

"Ferrari is the Grand Prix world champion." Do we say that? "Microsoft invented Windows." Do we say that? Or do we say, "Schumaker is the world champion." And "Gates invented Windows."? Of course we give credit to the person, or people. And that's because that is the reality.

Money is an innate, lifeless thing.

To illustrate...

Let's say we want to make our money grow, then we place a $100 note in a tin and bury it, and a year later we return and dig it up. How much money will there be? Only our $100 note we placed in the tin. There is no way, on God's green earth that there can be one cent more than the original $100.

People make money! And people lose money!

Certainly, money can earn interest, but the person (or rather the person's intelligence) is required to invest the money to earn that interest. In this regard, a person can make a bad investment, and not earn as much interest, or can lose money.

On the other side of the coin (no pun intended), a person can indulge in a business venture, and this way make money. Or lose it!

Whichever route is taken, it is the intelligence of the PERSON that either makes money, or makes more money. This is the way it has always worked, and always will.

Even in the event where someone has a big windfall, like winning the lottery, this money can be squandered, or made to multiply. Whichever it is, it is up to the person, to either invest wisely, or to spend endlessly. The history books are full of tales where enormous fortunes were won, and then lost.

Therefore, if it is your goal to make money, don't fall into the trap of believing that "money makes money"; it is a lifeless object, that cannot possible multiply without the intelligence of a human being. Rather...

Make it your goal to...

... learn about money, and how to invest and use it to multiply.

About The Author

Colin Dunbar has researched all aspects of goal setting for more than 25 years. He is now making his system available to everyone. Comprehensive manual with worksheets PLUS companion software.

www.eaziGOAL.com

The Basics of Money

What is Money?

The answer to the question is simple. Money is anything widely used for paying debts owed by a person to someone else and also for receiving the payments of debts owing to a person from someone else. A country produces coins and banknotes, (accepted by everyone) for the payment of bills and for the receipt of money owing.

Money is what is known as a "medium of exchange".

In the "old days" people traded the goods and services they owned (and probably produced) for goods and services owned by others (probably produced by them). The scenario went something like this - "you give me two sacks of your potatoes and I will trade you ten of my fish".

This method of trading was fine for a while. As society developed, business became more cumbersome and inefficient with this method of trade. Business dealings became stilted and slow and lagged behind the new pace of commerce. There had to be a better way. Some bright spark then came up with the idea of a common "medium of exchange" easier to carry around and better to use.

Money was born.

It wasn't that simple, because while all sorts of things were used as a medium of exchange, these were all basically called "money" and it wasn't until coins and paper notes were developed that money as we know it today became the standard accepted as a medium of exchange.

Forms of Money

There are various forms of money - cheques, IOU's, credit cards, bank drafts or gold. Gold was the standard used in the past because of its scarcity and its qualities. Gold is resistant to corrosion or damage. These unique properties, as well as the scarcity of gold means that even today, wealthy people around the world would rather keep their wealth in gold holdings than in the currencies of countries which are subject to inflation.

In fact, all sorts of things have been used as money throughout the ages. Some include: beads, eggs, salt, pigs, leather, yarn, axes, ivory and jade. Today we have another form of money, which cannot be touched, and yet it as real as the tangible coins we are able to touch. This form of money is electronic money.

The Name "Money"

The word money comes from the Roman goddess - Moneta. Apparently coins were minted in her temples and issued to the world, as the Romans knew it at the time. The Latin word "Moneta", (meaning mint or coins) came from the old English word "mynet" (meaning coins or money) and from this came the English word "mint".

Origins of Money

To understand the origins of money we have to go back to a time well before money came on the scene. Money did not suddenly appear - it was introduced gradually in response to the requirements of human needs. As civilization grew and expanded beyond local societies, the need to exchange the products provided by various groups became evident. The hunter needed to exchange with the farmer, the shepherd needed to exchange with the medicine man etc.

The medium of exchange that was necessary to enable the various groups to barter and swap their products was money. It was originally a physical substance like gold or silver. Sometimes it was a substance that was alive such as cattle, which was one of the oldest forms of money.

Today, although much of the money used by individuals in their everyday life is still in the form of notes and coins, its quantity is relatively small compared to the intangible types of money existing as entries in bank records.

Today money exists in the form of digital cash and such things as coins and bank notes will soon become obsolete. When this happens, the change in the nature of money will have a significant effect on our society.

Copyright 2005 StartRunGrow
http://www.startrungrow.com

StartRunGrow (http://www.startrungrow.com) is a global online information organization that specializes in creating, developing and marketing business help information specifically with the aim of "making business easier" for entrepreneurs around the world. The StartRunGrow objective is to become a dominant player in the business help arena providing end to end solutions for the millions of small and medium businesses worldwide who continue to struggle daily with the difficulties of starting, running and growing a successful business.