Archive for October, 2009

Keep Your Money in YOUR Pocket!

Posted by admin On October - 20 - 2009

I believe passionately in financial education, and it’s painfully obvious that we don’t get this within our school system. A lucky few are taught how money works by their parents or by wealthy mentors, and other proactive people set out to change their circumstances by learning about  finances themselves. A good financial education combined with a healthy financial mindset can – and does – make the difference between remaining broke and afraid your whole life and creating a wonderful life of abundance and financial freedom.

I am consistently saddened by stories of people losing their homes, being enslaved to crippling debt, and simply not living the lives of magnificent abundance they could be. If this describes you and you’d like to gain control of your finances, I’ve written this little book with you in mind. I’ve included many gems in this little book – including the stuff the banks will NEVER tell you and which probably got you into trouble in the first place – and I’ve kept the price very reasonable for the value offered: ONLY $USD4.97!

Let this be the start on your journey to financial freedom!

Learn how to keep your money in YOUR pocket with this special money-saving guide!

From tax-saving tips to credit card small print, there are things that those ‘in the know’ won’t tell you — and it could be costing you many thousands of dollars every year!

Get our guide now and start saving money! You will discover:

  • Money truths you’ve never been told
  • How your financial IQ affects your level of wealth – and how to improve it!
  • Secrets about credit the banks and lenders will NEVER tell you
  • Debt management tools and tips
  • The real way to budget – so  you can accumulate wealth!
  • How you may be sabotaging your finances, and how to stop
  • How to save on taxes
  • What your credit report means and how to improve it
  • …and more!

paypalNOTE: This is an e-book – it comes in .pdf format and is instantly downloadable. Enjoy!

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Defining Prosperity

Posted by admin On October - 15 - 2009

This article is by LaKeitha Simmons

Everyone knows that having money is a sign of prosperity. There are, however, some people that have millions of dollars and are not prosperous. I understand your shock. I was shocked myself when I read in Bob Proctor’s book about millionaires who died sick, broke, alone or mad. Clearly these were not prosperous people. James Ray likes to say, "There are people who "spiritual" but they’re sick and broke all the time." I am in agreement with James. This is not prosperity either. So, what is prosperity?

I have learned over the past year that prosperity, like beauty, is in the eye of the beholder. I have a goal of having a five million dollar net worth invested with a 10% return that gives me a passive income of $500,000 a year. Someone that I know has a dream of having a net worth exceeding $400 million dollars. Is her goal to have more prosperity than I intend to have? That is a trick question to which the answer is no. Her goal is definitely to have more money than I intend to have but remember that money does not equate prosperity.
   
Do not misunderstand what I am saying about money. It may seem that I am saying that money is not important. That is the last thing that I am saying. Money is extremely important in this society. As our main tool of trade today, money is necessary for everything that you would want to do or have. Without money, you cannot even eat, which is definitely a necessity. Money is important. So since it is not all about the money, what is it about?
    
Prosperity is a mindset that allows peace of mind. We each get to define prosperity for ourselves. I choose good friends, a close family, a comfortable lifestyle and work that rocks my socks off as prosperity for me. So, I know that I am being prosperous by how my relationships feel. When I am having good conversations and lots of fun with my friends I am being prosperous. At 2 am when I need to talk and I reach out and someone is there for me, I know that I am being prosperous. Being a loyal and supportive friend and a good listener is a part of being supportive for me.
  
I am not close to my extended family, but my immediate family is my second priority. When my children are happy, healthy and bursting with joy, I know that I am being prosperous. Every day that my husband and I still love and adore each other is another day of prosperous living for me. Some of my friends are like family to me and their involvement in my life makes me feel prosperous beyond measure. I know that I am loved and I believe that love is the ultimate treasure. When you are truly loved, you are the richest person on earth.
  
What is important to you? What do you adore? What truly makes your heart sing? When you can answer those questions and then orient your life around those things, you will find that you are a truly prosperous person. What about money? The money will come. There are practical matters, such as planning, investing and wise spending habits that must be established, but real wealth comes from being in love with yourself and your life. You cannot define wealth or money in the way that anyone else has for their priorities are not your priorities. So, how do you define prosperity?

Ophelia’s take: Is That Really Prosperity or Just Plain Lazy?!

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This article is by Ophelia Nicholson

My prosperity partner wrote an article “Defining Prosperity for Myself” and now I’m writing the opposing view, “Defining Prosperity – Is That Really Prosperity or Just Plain Lazy?!”

In the article she writes “I have learned over the past year that prosperity, like beauty, is in the eye of the beholder. I have a goal of having a five million dollar net worth invested with a 10 % return that gives me a passive income of $500,000 a year. Someone that I know has a dream of having a net worth exceeding $400 million dollars. Is her goal to have more prosperity than I intend to have? That is a trick question to which the answer is no. Her goal is definitely to have more money than I intend to have but remember that
money does not equate prosperity.” Of course I take massive pride in the fact that I am the someone she knows who has the goal of a net worth exceeding $400 million dollars!

The article goes on to say “I am not close to my extended family, but my immediate family is my second priority. When my children are happy, healthy and bursting with joy, I know that I am being prosperous. Every day that my husband and I still love and adore each other is another day of prosperous living for me. Some of my friends are like family to me and their involvement in my life makes me feel prosperous beyond measure. I know that I am loved and I believe that love is the ultimate treasure. When you are truly loved, you are the richest person on earth.”

Man that was a mouthful – So now I ask you is that truly prosperity or just plain lazy! Since when does being prosperous involve how others feel and interact with you? So does that mean one isn’t prosperous if all the friends left and the children are unhappy and your spouse decided to not have 2am conversations with you and NO ONE loved you? That is her measure of prosperity isn’t it? So you remove all those things and the prosperity is now gone right!

The world is filled with creative energy and while I’m all for the concept that everyone is entitled to whatever they want, and that we should allow each person to want whatever makes them happy… I’m
also for the concept that most people in society don’t aim very high because they are afraid of failure. Now to have enough creative energy to create or attract 5 million dollars – anyone can do that. But how much creative energy does it take to attract or create $400 million?

We grow up in an environment where we set the bar really low on what we can or will achieve – JUST IN CASE if we don’t make it we won’t feel so bad. Most people in society want nothing more than a 9-5 and to
retire with a 401k.

You know I’ve been saying for years I want to be on the Forbes 400 richest Americans list and in all that time that I say this I have never heard anyone say “REALLY? ME TOO!”

Now could that be that’s just way too far up on the tree for most people to reach for, and the apples on the lower branches are easier to get to (apples on the lower branches are also rotten and touched a lot by
a multitude of people not wanting to climb higher). We grow up hearing how love is true wealth – Who fed us this diet of foolishness, and the person who fed us this diet – are they truly prosperous?

Don’t get it twisted, people – Stop finding excuses to cover up your not wanting to reach for the sky. Go ahead and say it: ‘I’m too lazy to actually want a huge boatload of money and I don’t really believe I can have it anyway – because for me to want a huge boatload of money would entail me actually trying at something and maybe I’ll fall flat on my face.

So I ask is it truly prosperity or is it just plain lazy?

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