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    Stupid Ideas Can Ruin Your Financial Life
    Stupid ideas come in all sorts of packages. Bad debt, various loans, purchase decisions, and delayed savings. Most people reach the age of 65 with little or no savings. They live off social security and what little else they have. Is it any wonder the golden arches are filled with workers in their golden years? Anything that wastes your money or prevents you from becoming debt free can be a stupid idea. The best way to save and invest money does not include sending it to creditors each month. Only when it’s yours to keep can you put it aside to work for you as hard as you worked for it. It is not your job in life to make your creditors rich. The goal is to make you rich. If you are going to make that happen, stay away from bad decisions. Decisions, made in the absence of good, or even any, information. Time pressured, desperate decisions are seldom made with enough information. Anything that slows down spending and requires you to think twice before parting with your money is a good idea. Fill out a Purchase Checklist for any decision that requires spending more than what you find in your pocket. Look at these questions you need to answer: Cost? On sale? Need or a want? Can you pay cash? Where will the money come from? Do you know the cost of credit? With that cost added in, is it still worth buying? Could you justify this purchase to another person? Would you accept these reasons from someone else? Stupid ideas abound when ignorance, greed and pride, (definitely not the common sense triplets) form the basis of your decisions. Ignorance is simply an absence of knowledge or information. Greed is nothing other than wanting more than you should. Pride is caring what your neighbor, or someone you don’t even know, thinks of you. So, knowing there exists no winner in the contest to see who is the most stupid, here are some things to avoid in your financial life. Bad Debt. Any debt other than a home mor
    ur wheel.

    4. I've taught people to use different wheels for different kinds of desires. For example, you'll want the love and romance wheel to only have pictures that represent love and romance to you, such as hearts, pictures of couples, etc. Put pictures representing prosperity and money, or your ideal job or life's work, on your prosperity wheel. You may want to cut out pictures of money in the denominations you want and place them on your wheel. A picture of your new career will show your subconscious exactly what you want.

    You can have many wheels, just be sure not to clutter them with your pictures or you'll attract cluttered results. And make sure the pictures you place on your wheel are exactly what you want to see manifest in your life.

    5. Once you have completed each wheel, put something on it that represents your spiritual connection, such as a picture of an Ascended Master that you resonate to, pictures of angels, etc. This doesn't have to be a picture; it could be a solid object, like crystals or a cross, for example. In my Native American spirituality class, we learned to also add something that represented our personal totems to our wheels. By adding something that represents your concept of spirituality, you add power, energy and protection to your wheel.

    You may want to place a picture of yourself on each wheel, also, so that your subconscious can see you associated with the pictures you wish to materialize. However, your subconscious will get the message very clearly with or without your picture.

    6. Look at your Magic Wheel every day, especially when you first wake up and before you go to sleep. And again, you don't want to share your wheel with others. As Catherine Ponder says, "what is sacred is secret".

    Manifesting Tool #3

    Positive Affirmations

    Many of you have heard about the power of using positive affirmations to create what you want in life. If you have beliefs such as those I mentioned earlier in this article, beliefs that have been holding you back from what you want, use of positive affirmations is the key. When used repeatedly, positive affirmations literally re-program your subconscious mind. They are positive instructions that replace those old b

    How To Successfully Market And Sell Your Product On Ebay
    Selling your items on Ebay is really very simple once you have mastered the technical aspect of posting your items and filling the orders. It's much harder to convert your Ebay sales efforts into a consistent, and viable business. Putting the technical aspects of selling on Ebay aside, there are a few key areas that every serious Ebay seller needs to master if they are going to consistently profit from this type of business venture.The first area you should be concerned about is customer service. This is an important aspect that many serious sellers seem to neglect. If you are serious and you want your Ebay business to succeed your going to need repeat buyers. If you really want to get a buyer's attention provide them with excellent customer service that goes above and beyond your competition. This means that you need to promptly answering emails, and when your shipping packages to your buyers keep them updated concerning the shipping of their items. When you receive a payment, send the customer a email acknowledging that you have received their payment. You should also send the customer an email when you have shipped the package. If you follow these simple steps the chances of you having a buyer return, and making a future purchase are greatly increased.The second area that hurts Ebay sellers the most, is failing to pay attention to the costs involved in an Ebay business. It is very important to keep a record of all of the costs that are involved with every transaction that you make. You need to Know how much it costs to acquiring your product, along with the cost of completing the transaction. Keep a journal that contains information about all of your sell through rates, and prices realized. This can be very simple or extremely complex the choice is up to you. The more factors that you are able to track concerning your business. Being informed about your business will allow you to make informed decisions concerning your business.The third area that you need to be concerned about is the reputation that you develop the ni
    Giving and Receiving

    It seems that people generally find it easy to give, but more difficult to receive. Receiving is a very important part of giving. Both keep that energy circulating in our lives. And they keep prosperity flowing in our lives.

    I've learned that we should receive with joy and gratitude. Thank the person and thank the Universe. In this way, you keep the doors open to receive even more. And you may even receive money and prosperity from unusual sources. "Creating Money" offers an exercise (one of many) that you can do right now. It suggests that you ask the Universe to send you money through a new channel in the next several weeks and acknowledge it when it comes. Try it and see what happens!

    And don't forget to accept compliments. Just smile and say, 'thank you'.

    Accept money and gifts only when they're given freely. I've learned that the only times you don't want to accept money or gifts are when there are strings attached, or if someone is trying to buy your friendship.

    Giving is an important part of receiving. Giving could come in many forms besides things, such as your time, your skills, your good examples, etc. I've learned that it's important to give gifts that really serve and assist people, something they can really use in their lives. Throughout my life I've enjoyed giving my time and skills doing volunteer work for charities I truly believe in. And I've donated money to organizations I truly believe in. It's such a great feeling to give in this way. And when we give freely, the Universe will give to us freely.

    By the way, it's important for us to give to ourselves also, to keep that energy flowing.

    Then, there are times when it isn't right to give. That's when we give with strings attached or when we feel obligated to give or when we have expectations about the gift we are giving. Doing this creates a block in our energy flow. We must always give freely, and with detachment.

    In my experience, I've learned that giving to people who are always in need, who always need to be rescued from a situation, who are always in the same situation, no matter how many times you've given to them, can actually harm them and stifle their growth. They can become dependent upon you. There is a reason why they keep pointing their magic wants toward lack. Maybe they have important lessons to learn, and if we constantly give to them, they never learn to empower themselves. I've learned that it is best to assist them to create their own prosperity and abundance.

    Manifesting Tool # 1

    The Magic List

    First, I would like to share with you a tool I've used successfully, beginning early in my life. I know that many others have used this tool successfully and authors have written about it, especially in recent years. It's actually very simple and very powerful. I used to call this simply my "List" but now, I call it the "Magic List", inspired by one of my non-metaphysical students several years ago. (More about that later). With this Magic List, you are using the power of the written and the spoken word that is released to the Universe to manifest in your reality.

    All it requires are these steps:

    1. Take a piece of paper (any kind of writing paper - from a notebook, or your favorite color of paper, etc), and write a numeric list of all of your desires. They can be short-term of long-term desires. State your desires as clearly as possible.

    2. After you have written down your desires, at the bottom of the page, write something to this effect: "May all of these desires, or better, manifest for the Highest good of all." This releases any need to manifest your desires in a particular way. It opens it up to the Universe to bring you what you want in the best and Highest way possible, and at the right time.

    3. Keep your Magic List with you at all times, in your wallet, purse, etc.

    4. Read your list (aloud if possible) just before going to sleep, first thing upon awakening and before going into meditation. Do this every day, and you will soon see profound results.

    5. As your desires manifest, cross them off your checklist. Soon, you will want to rewrite it, creating a new Magic List (the old one eventually can look pretty unreadable with all of those lines crossing things off!) on a fresh piece of paper. If some of the old desires haven't yet manifested, you can add them, too. Personally, I prefer to do this on the new and full moons, taking advantage of their powerful manifesting energies.

    Several years ago, I studied Native American spirituality from a Lakota medicine woman and learned the ritual of clearly stating my written desires to the Universe on the new and full moons and then burning them, releasing them to the Universe. You'll want to keep your Magic List as a separate list, however, as you'll be using it every day.

    6. Finally, do not show your list or talk about it to others. Keep it to yourself. This is a way of keeping your energy totally and directly focused on what you want. Talking about it and sharing it with people only disperses your energy and it may take longer for those desires to manifest.

    The Magic List really, truly works. Anyone can do it. The non-metaphysical student (also my co-worker at the time) I mentioned earlier was in one of my prosperity workshops and, as I described what I originally called my "List", he became very pale. After the class, he told me that he had started to write a list just like the one I described when he was a little boy. He said he called it his "Magic List" and never told a soul, not even his brother. He was so amazed to hear me speaking about his secret! And he just had to show me his list, even though I protested. I'm glad that he did in this particular case, because his list was very unusual and it demonstrated how miraculous this tool really is.

    This man, then in his fifties, had several hobbies, most centered around finding and collecting unusual, rare, old objects and bottles - some valuable. The items on his list were things most people have never heard of or seen before. His list was well worn, with several items crossed off. He said he kept it in his wallet, looking at his list a couple of times each day. He described to me how each item came to him, just like magic.

    Sometimes, it meant suddenly driving down a street for no apparent reason, just to discover that there was a garage sale going on, and then seeing one or several of his desires on the list for sale at the perfect price for him. He would continuously find himself in the right place at the right time. One of the items on his list manifested about three weeks after he had showed his list to me. It was a classic car (I forget the model) in the exact color and year he had specified, and in mint condition. An elderly woman had kept it in her garage all these years and decided to get rid of it. On his way to work one day, he happened to turn onto her street. He saw the 'For Sale' sign, and the price was right. Later, he drove the car to work to show me.

    I wanted to share this experience with you to emphasize how the Magic List always works, even for those not familiar with metaphysics.

    Manifesting Tool #2

    The Magic Wheel

    As a teenager, I started to create what I call a "Magic Wheel", learning from people like Catherine Ponder, author of "Opening Your Mind To Prosperity", who calls it the "Wheel of Fortune".

    In the years since, I've learned other names from different sources, such as the "Prosperity Wheel", but the main thing is that this is another powerful tool that works for everyone. The Magic Wheel works like the Magic List, except that you are creating pictures of your desires instead of writing them down. Your subconscious communicates to you in pictures and symbols all of the time, mainly through your dreams. Why not communicate directly to your subconscious in pictures? You do so, anyway, with your imagination. This is yet another very powerful way to manifest what you want in a short period of time.

    1. First, buy some large poster boards in the colors that appeal to you. For example, if you are working specifically on creating wealth, prosperity, or a new job, you may want to select green poster paper. Gold will work well for this, also. Visually, the subconscious will associate green or gold with money. Remember that color is vibration and energy, also, and what we are doing is working and playing with energy. If you are working on love and romance, for instance, you may want to select a pink shade of poster board. Use whatever color you personally resonate to for what you want to achieve.

    2. Cut the poster board(s) into large circles.

    3. Search through magazines, brochures and ads and look for pictures, specifically color pictures, of what you desire. The subconscious will more quickly respond to color than to black and white pictures. Then cut them out and paste or tape them to your wheel.

    4. I've taught people to use different wheels for different kinds of desires. For example, you'll want the love and romance wheel to only have pictures that represent love and romance to you, such as hearts, pictures of couples, etc. Put pictures representing prosperity and money, or your ideal job or life's work, on your prosperity wheel. You may want to cut out pictures of money in the denominations you want and place them on your wheel. A picture of your new career will show your subconscious exactly what you want.

    You can have many wheels, just be sure not to clutter them with your pictures or you'll attract cluttered results. And make sure the pictures you place on your wheel are exactly what you want to see manifest in your life.

    5. Once you have completed each wheel, put something on it that represents your spiritual connection, such as a picture of an Ascended Master that you resonate to, pictures of angels, etc. This doesn't have to be a picture; it could be a solid object, like crystals or a cross, for example. In my Native American spirituality class, we learned to also add something that represented our personal totems to our wheels. By adding something that represents your concept of spirituality, you add power, energy and protection to your wheel.

    You may want to place a picture of yourself on each wheel, also, so that your subconscious can see you associated with the pictures you wish to materialize. However, your subconscious will get the message very clearly with or without your picture.

    6. Look at your Magic Wheel every day, especially when you first wake up and before you go to sleep. And again, you don't want to share your wheel with others. As Catherine Ponder says, "what is sacred is secret".

    Manifesting Tool #3

    Positive Affirmations

    Many of you have heard about the power of using positive affirmations to create what you want in life. If you have beliefs such as those I mentioned earlier in this article, beliefs that have been holding you back from what you want, use of positive affirmations is the key. When used repeatedly, positive affirmations literally re-program your subconscious mind. They are positive instructions that replace those old b

    Direct Mail Marketing is a Rifle, Not a Shotgun, Says Direct Response Advertising Services Company
    When I served in the British Special Forces, I learned a lesson from a sniper that applies directly to your success at direct mail marketing.I had a buddy in my Reconnaissance Troop who could kill a man at 800 metres with one bullet, even if the man was walking. Scottie was a sniper. His motto was the motto of all snipers, “One round, one kill.”The job of a sniper in wartime is to kill specific people at specific places at specific times. Snipers don’t engage all the enemy on all fronts. Instead, they are given orders to kill “high-value targets.” And they are expected to kill those people with one shot from a concealed position. They shouldn’t expect a second chance. Which means each bullet (each “round”) has someone’s name on it, so to speak.I remember Scottie whenever I am talking with a client or prospective client who wants to use direct mail to reach the masses. Someone who wants to use direct mail as a shotgun so that everyone in its path receives the sales pitch.But direct mail marketing isn’t mass marketing. It’s a sniper rifle. With a sniper scope mounted on top. Direct mail marketing is all about putting one individual in your crosshairs and firing one message at that person. Newspaper advertising targets the masses. Direct mail marketing targets one individual.Direct mail is too accurate a weapon to be used simply for raising awareness. And it’s too expensive to use to reach the masses, since most individuals in the masses will never buy from you.So your first job as a direct mail marketer is to segment your market. Narrow your focus to those individuals who want and can afford what you are selling. They will usually fall into different groups.One group might be chief operating officers at non-profit teaching hospitals in cities of 400,000 people or greater, at hospitals with more than 700 beds.Another group might be chief financial officers at rural hospitals that have 200 beds or fewer, and that are operat
    ent upon you. There is a reason why they keep pointing their magic wants toward lack. Maybe they have important lessons to learn, and if we constantly give to them, they never learn to empower themselves. I've learned that it is best to assist them to create their own prosperity and abundance.

    Manifesting Tool # 1

    The Magic List

    First, I would like to share with you a tool I've used successfully, beginning early in my life. I know that many others have used this tool successfully and authors have written about it, especially in recent years. It's actually very simple and very powerful. I used to call this simply my "List" but now, I call it the "Magic List", inspired by one of my non-metaphysical students several years ago. (More about that later). With this Magic List, you are using the power of the written and the spoken word that is released to the Universe to manifest in your reality.

    All it requires are these steps:

    1. Take a piece of paper (any kind of writing paper - from a notebook, or your favorite color of paper, etc), and write a numeric list of all of your desires. They can be short-term of long-term desires. State your desires as clearly as possible.

    2. After you have written down your desires, at the bottom of the page, write something to this effect: "May all of these desires, or better, manifest for the Highest good of all." This releases any need to manifest your desires in a particular way. It opens it up to the Universe to bring you what you want in the best and Highest way possible, and at the right time.

    3. Keep your Magic List with you at all times, in your wallet, purse, etc.

    4. Read your list (aloud if possible) just before going to sleep, first thing upon awakening and before going into meditation. Do this every day, and you will soon see profound results.

    5. As your desires manifest, cross them off your checklist. Soon, you will want to rewrite it, creating a new Magic List (the old one eventually can look pretty unreadable with all of those lines crossing things off!) on a fresh piece of paper. If some of the old desires haven't yet manifested, you can add them, too. Personally, I prefer to do this on the new and full moons, taking advantage of their powerful manifesting energies.

    Several years ago, I studied Native American spirituality from a Lakota medicine woman and learned the ritual of clearly stating my written desires to the Universe on the new and full moons and then burning them, releasing them to the Universe. You'll want to keep your Magic List as a separate list, however, as you'll be using it every day.

    6. Finally, do not show your list or talk about it to others. Keep it to yourself. This is a way of keeping your energy totally and directly focused on what you want. Talking about it and sharing it with people only disperses your energy and it may take longer for those desires to manifest.

    The Magic List really, truly works. Anyone can do it. The non-metaphysical student (also my co-worker at the time) I mentioned earlier was in one of my prosperity workshops and, as I described what I originally called my "List", he became very pale. After the class, he told me that he had started to write a list just like the one I described when he was a little boy. He said he called it his "Magic List" and never told a soul, not even his brother. He was so amazed to hear me speaking about his secret! And he just had to show me his list, even though I protested. I'm glad that he did in this particular case, because his list was very unusual and it demonstrated how miraculous this tool really is.

    This man, then in his fifties, had several hobbies, most centered around finding and collecting unusual, rare, old objects and bottles - some valuable. The items on his list were things most people have never heard of or seen before. His list was well worn, with several items crossed off. He said he kept it in his wallet, looking at his list a couple of times each day. He described to me how each item came to him, just like magic.

    Sometimes, it meant suddenly driving down a street for no apparent reason, just to discover that there was a garage sale going on, and then seeing one or several of his desires on the list for sale at the perfect price for him. He would continuously find himself in the right place at the right time. One of the items on his list manifested about three weeks after he had showed his list to me. It was a classic car (I forget the model) in the exact color and year he had specified, and in mint condition. An elderly woman had kept it in her garage all these years and decided to get rid of it. On his way to work one day, he happened to turn onto her street. He saw the 'For Sale' sign, and the price was right. Later, he drove the car to work to show me.

    I wanted to share this experience with you to emphasize how the Magic List always works, even for those not familiar with metaphysics.

    Manifesting Tool #2

    The Magic Wheel

    As a teenager, I started to create what I call a "Magic Wheel", learning from people like Catherine Ponder, author of "Opening Your Mind To Prosperity", who calls it the "Wheel of Fortune".

    In the years since, I've learned other names from different sources, such as the "Prosperity Wheel", but the main thing is that this is another powerful tool that works for everyone. The Magic Wheel works like the Magic List, except that you are creating pictures of your desires instead of writing them down. Your subconscious communicates to you in pictures and symbols all of the time, mainly through your dreams. Why not communicate directly to your subconscious in pictures? You do so, anyway, with your imagination. This is yet another very powerful way to manifest what you want in a short period of time.

    1. First, buy some large poster boards in the colors that appeal to you. For example, if you are working specifically on creating wealth, prosperity, or a new job, you may want to select green poster paper. Gold will work well for this, also. Visually, the subconscious will associate green or gold with money. Remember that color is vibration and energy, also, and what we are doing is working and playing with energy. If you are working on love and romance, for instance, you may want to select a pink shade of poster board. Use whatever color you personally resonate to for what you want to achieve.

    2. Cut the poster board(s) into large circles.

    3. Search through magazines, brochures and ads and look for pictures, specifically color pictures, of what you desire. The subconscious will more quickly respond to color than to black and white pictures. Then cut them out and paste or tape them to your wheel.

    4. I've taught people to use different wheels for different kinds of desires. For example, you'll want the love and romance wheel to only have pictures that represent love and romance to you, such as hearts, pictures of couples, etc. Put pictures representing prosperity and money, or your ideal job or life's work, on your prosperity wheel. You may want to cut out pictures of money in the denominations you want and place them on your wheel. A picture of your new career will show your subconscious exactly what you want.

    You can have many wheels, just be sure not to clutter them with your pictures or you'll attract cluttered results. And make sure the pictures you place on your wheel are exactly what you want to see manifest in your life.

    5. Once you have completed each wheel, put something on it that represents your spiritual connection, such as a picture of an Ascended Master that you resonate to, pictures of angels, etc. This doesn't have to be a picture; it could be a solid object, like crystals or a cross, for example. In my Native American spirituality class, we learned to also add something that represented our personal totems to our wheels. By adding something that represents your concept of spirituality, you add power, energy and protection to your wheel.

    You may want to place a picture of yourself on each wheel, also, so that your subconscious can see you associated with the pictures you wish to materialize. However, your subconscious will get the message very clearly with or without your picture.

    6. Look at your Magic Wheel every day, especially when you first wake up and before you go to sleep. And again, you don't want to share your wheel with others. As Catherine Ponder says, "what is sacred is secret".

    Manifesting Tool #3

    Positive Affirmations

    Many of you have heard about the power of using positive affirmations to create what you want in life. If you have beliefs such as those I mentioned earlier in this article, beliefs that have been holding you back from what you want, use of positive affirmations is the key. When used repeatedly, positive affirmations literally re-program your subconscious mind. They are positive instructions that replace those old b

    Promotional Mugs
    Crazy for Promotional Coffee Mugs If you’re looking for a way to get your logo seen and your business in the public eye, consider investing in promotional coffee mugs. Presented as gifts to clients, or as part of a marketing blitz, promotional coffee mugs can help you in spreading the word about your enterprise. More noticeable than pens, and more universal than golf balls, coffee mugs can be used by anyone, anywhere. While coffee drinkers will appreciate the addition of a new mug to their collection, non-coffee drinkers can use it for tea, hot chocolate or soup. Promotional coffee mugs offer an inexpensive, yet highly effective means of advertising your business.Personalizing Promotional Coffee Mugs and Glassware From logos to mission statements, personalized coffee mugs are designed by you and custom made to your specifications. Even if you don’t have a business to promote, promotional coffee mugs make great souvenirs of class or family reunions, anniversaries and large scale birthday celebrations. Many suppliers offer photo transfer services that allow your logo and/or images to be permanently affixed to a variety of coffee mug designs. As they are generally purchased in bulk quantities, promotional coffee mugs are extremely cost effective and are adaptable to most budgetary constraints. Don’t let the competition edge you out, get a head start by distributing promotional coffee mugs today.Styles, Shapes and Sizes – The Variety of Promotional Coffee Mugs Personalized coffee mugs to advance your business or cause can be found in an abundance of styles and several materials. Whether you’re looking for an acrylic travel mug with a spill-proof cap, a standard ceramic mug with a high gloss or matte finish, or an elegant glass mug with your logo etched into its surface, promotional coffee mugs are available to suit your taste. Specially sized jumbo coffee mugs in flared brim and signature coffeehouse styles lead the current trend in coffee cup promotions. Glass mugs in the traditional pint or Irish coffee styles are
    their powerful manifesting energies.

    Several years ago, I studied Native American spirituality from a Lakota medicine woman and learned the ritual of clearly stating my written desires to the Universe on the new and full moons and then burning them, releasing them to the Universe. You'll want to keep your Magic List as a separate list, however, as you'll be using it every day.

    6. Finally, do not show your list or talk about it to others. Keep it to yourself. This is a way of keeping your energy totally and directly focused on what you want. Talking about it and sharing it with people only disperses your energy and it may take longer for those desires to manifest.

    The Magic List really, truly works. Anyone can do it. The non-metaphysical student (also my co-worker at the time) I mentioned earlier was in one of my prosperity workshops and, as I described what I originally called my "List", he became very pale. After the class, he told me that he had started to write a list just like the one I described when he was a little boy. He said he called it his "Magic List" and never told a soul, not even his brother. He was so amazed to hear me speaking about his secret! And he just had to show me his list, even though I protested. I'm glad that he did in this particular case, because his list was very unusual and it demonstrated how miraculous this tool really is.

    This man, then in his fifties, had several hobbies, most centered around finding and collecting unusual, rare, old objects and bottles - some valuable. The items on his list were things most people have never heard of or seen before. His list was well worn, with several items crossed off. He said he kept it in his wallet, looking at his list a couple of times each day. He described to me how each item came to him, just like magic.

    Sometimes, it meant suddenly driving down a street for no apparent reason, just to discover that there was a garage sale going on, and then seeing one or several of his desires on the list for sale at the perfect price for him. He would continuously find himself in the right place at the right time. One of the items on his list manifested about three weeks after he had showed his list to me. It was a classic car (I forget the model) in the exact color and year he had specified, and in mint condition. An elderly woman had kept it in her garage all these years and decided to get rid of it. On his way to work one day, he happened to turn onto her street. He saw the 'For Sale' sign, and the price was right. Later, he drove the car to work to show me.

    I wanted to share this experience with you to emphasize how the Magic List always works, even for those not familiar with metaphysics.

    Manifesting Tool #2

    The Magic Wheel

    As a teenager, I started to create what I call a "Magic Wheel", learning from people like Catherine Ponder, author of "Opening Your Mind To Prosperity", who calls it the "Wheel of Fortune".

    In the years since, I've learned other names from different sources, such as the "Prosperity Wheel", but the main thing is that this is another powerful tool that works for everyone. The Magic Wheel works like the Magic List, except that you are creating pictures of your desires instead of writing them down. Your subconscious communicates to you in pictures and symbols all of the time, mainly through your dreams. Why not communicate directly to your subconscious in pictures? You do so, anyway, with your imagination. This is yet another very powerful way to manifest what you want in a short period of time.

    1. First, buy some large poster boards in the colors that appeal to you. For example, if you are working specifically on creating wealth, prosperity, or a new job, you may want to select green poster paper. Gold will work well for this, also. Visually, the subconscious will associate green or gold with money. Remember that color is vibration and energy, also, and what we are doing is working and playing with energy. If you are working on love and romance, for instance, you may want to select a pink shade of poster board. Use whatever color you personally resonate to for what you want to achieve.

    2. Cut the poster board(s) into large circles.

    3. Search through magazines, brochures and ads and look for pictures, specifically color pictures, of what you desire. The subconscious will more quickly respond to color than to black and white pictures. Then cut them out and paste or tape them to your wheel.

    4. I've taught people to use different wheels for different kinds of desires. For example, you'll want the love and romance wheel to only have pictures that represent love and romance to you, such as hearts, pictures of couples, etc. Put pictures representing prosperity and money, or your ideal job or life's work, on your prosperity wheel. You may want to cut out pictures of money in the denominations you want and place them on your wheel. A picture of your new career will show your subconscious exactly what you want.

    You can have many wheels, just be sure not to clutter them with your pictures or you'll attract cluttered results. And make sure the pictures you place on your wheel are exactly what you want to see manifest in your life.

    5. Once you have completed each wheel, put something on it that represents your spiritual connection, such as a picture of an Ascended Master that you resonate to, pictures of angels, etc. This doesn't have to be a picture; it could be a solid object, like crystals or a cross, for example. In my Native American spirituality class, we learned to also add something that represented our personal totems to our wheels. By adding something that represents your concept of spirituality, you add power, energy and protection to your wheel.

    You may want to place a picture of yourself on each wheel, also, so that your subconscious can see you associated with the pictures you wish to materialize. However, your subconscious will get the message very clearly with or without your picture.

    6. Look at your Magic Wheel every day, especially when you first wake up and before you go to sleep. And again, you don't want to share your wheel with others. As Catherine Ponder says, "what is sacred is secret".

    Manifesting Tool #3

    Positive Affirmations

    Many of you have heard about the power of using positive affirmations to create what you want in life. If you have beliefs such as those I mentioned earlier in this article, beliefs that have been holding you back from what you want, use of positive affirmations is the key. When used repeatedly, positive affirmations literally re-program your subconscious mind. They are positive instructions that replace those old b

    Secured Business Loans - Cheap Finance For Prosperous Business
    For a business person, cost matters the most in every front of his business, either it is established or a new one. A business flourishes on the basis of reduction of costs like on raw material but a low cost of taking business loan also goes a long way in making the business a profitable one. Secured business loans are perfect option for availing a low cost loan and are popular with the business people.Secured business loans can easily be availed just when the business person has decided to place his any property like home or a business as collateral with the lender. The security ensures a lower interest rate on secured business loan to the business person. Lower interest means the business person has gained the ability to reduce monetary outgo towards installments. Secured business loans providers give larger repayment duration and that too enable in reducing amount payable for installments per month. Thus secured business loans save a lot of business person’s money for other business expenses.The loan amount under secured business loans depends on equity in collateral. For greater amount collateral like home must have greater equity. Type of business also enables in availing a greater loan. If the lender finds your business a good potential for generating income, then greater loan and its approval comes fast.Are you suffering from bad credit? Since you are taking the loan against your property, lenders do not incur risks in offering a greater amount as secured business loan even if you have bad credit. But in case of payment default, you may loose the property as lender may sell it for recovering the loaned amount. It would be wise if you pay off some easy debts as this may improve your credit score and lender may not be enquiring much. The lender then give you a loan of terms-conditions that favor you more.Numerous secured business loans are available on internet. Make the best use of it for comparing as many secured business loans providers for their individual interest rates. For fast processing and approval
    forget the model) in the exact color and year he had specified, and in mint condition. An elderly woman had kept it in her garage all these years and decided to get rid of it. On his way to work one day, he happened to turn onto her street. He saw the 'For Sale' sign, and the price was right. Later, he drove the car to work to show me.

    I wanted to share this experience with you to emphasize how the Magic List always works, even for those not familiar with metaphysics.

    Manifesting Tool #2

    The Magic Wheel

    As a teenager, I started to create what I call a "Magic Wheel", learning from people like Catherine Ponder, author of "Opening Your Mind To Prosperity", who calls it the "Wheel of Fortune".

    In the years since, I've learned other names from different sources, such as the "Prosperity Wheel", but the main thing is that this is another powerful tool that works for everyone. The Magic Wheel works like the Magic List, except that you are creating pictures of your desires instead of writing them down. Your subconscious communicates to you in pictures and symbols all of the time, mainly through your dreams. Why not communicate directly to your subconscious in pictures? You do so, anyway, with your imagination. This is yet another very powerful way to manifest what you want in a short period of time.

    1. First, buy some large poster boards in the colors that appeal to you. For example, if you are working specifically on creating wealth, prosperity, or a new job, you may want to select green poster paper. Gold will work well for this, also. Visually, the subconscious will associate green or gold with money. Remember that color is vibration and energy, also, and what we are doing is working and playing with energy. If you are working on love and romance, for instance, you may want to select a pink shade of poster board. Use whatever color you personally resonate to for what you want to achieve.

    2. Cut the poster board(s) into large circles.

    3. Search through magazines, brochures and ads and look for pictures, specifically color pictures, of what you desire. The subconscious will more quickly respond to color than to black and white pictures. Then cut them out and paste or tape them to your wheel.

    4. I've taught people to use different wheels for different kinds of desires. For example, you'll want the love and romance wheel to only have pictures that represent love and romance to you, such as hearts, pictures of couples, etc. Put pictures representing prosperity and money, or your ideal job or life's work, on your prosperity wheel. You may want to cut out pictures of money in the denominations you want and place them on your wheel. A picture of your new career will show your subconscious exactly what you want.

    You can have many wheels, just be sure not to clutter them with your pictures or you'll attract cluttered results. And make sure the pictures you place on your wheel are exactly what you want to see manifest in your life.

    5. Once you have completed each wheel, put something on it that represents your spiritual connection, such as a picture of an Ascended Master that you resonate to, pictures of angels, etc. This doesn't have to be a picture; it could be a solid object, like crystals or a cross, for example. In my Native American spirituality class, we learned to also add something that represented our personal totems to our wheels. By adding something that represents your concept of spirituality, you add power, energy and protection to your wheel.

    You may want to place a picture of yourself on each wheel, also, so that your subconscious can see you associated with the pictures you wish to materialize. However, your subconscious will get the message very clearly with or without your picture.

    6. Look at your Magic Wheel every day, especially when you first wake up and before you go to sleep. And again, you don't want to share your wheel with others. As Catherine Ponder says, "what is sacred is secret".

    Manifesting Tool #3

    Positive Affirmations

    Many of you have heard about the power of using positive affirmations to create what you want in life. If you have beliefs such as those I mentioned earlier in this article, beliefs that have been holding you back from what you want, use of positive affirmations is the key. When used repeatedly, positive affirmations literally re-program your subconscious mind. They are positive instructions that replace those old b

    The New Reading
    An audio book is the recording of a person or persons reading aloud the content of a book. These audio books are also known as talking books or spoken books. There are 2 main types of audio book unabridged and abridged. Unabridged audio book is narrated word for word. It has the exact same content as its book counterpart. Abridged audio book isn’t narrated word for word. It’s more like someone telling you a story.Audio books have been available for decades; it started out similar to the music industry from tape then CD and now in digital format. Thanks to the boom of the Internet technology and especially the high-speed Internet connections downloadable audio books are now much more popular. Since you can download it 24/7 anywhere in the world. The best thing is that you can access your audio books as soon as you purchase them. You can easily transfer your audio books to your mp3 and take them anywhere with you discreetly.The biggest benefit of an audio book is in the power of words. Reading is good, don’t get me wrong but hearing those words usually has more impact on you. Since we, as a human being, start learning from our ears. The best example is when we learn to speak as a child. We learn to speak not by reading but by listening to other then we repeat what we’ve heard.Since hearing is our first skills, therefore, we tend to retain more of what we’ve heard than what we’ve read. This is the basic principle of effective language course! You may have heard that “Words cut deeper than swords.” Perhaps you may have experienced it yourself, I know I do. Maybe there is a rhyme or a jingle from ads or songs that you can’t get them out of your head. If these ring a bell, then you know exactly how powerful word can be.That is why I believe listening to audio books is more effective than reading books. Plus you can also listen to audio books while you’re commuting (listening in a car won’t give you a headache like reading does), doing household chores such as dish washing, or simply relaxing.If you don't have time
    ur wheel.

    4. I've taught people to use different wheels for different kinds of desires. For example, you'll want the love and romance wheel to only have pictures that represent love and romance to you, such as hearts, pictures of couples, etc. Put pictures representing prosperity and money, or your ideal job or life's work, on your prosperity wheel. You may want to cut out pictures of money in the denominations you want and place them on your wheel. A picture of your new career will show your subconscious exactly what you want.

    You can have many wheels, just be sure not to clutter them with your pictures or you'll attract cluttered results. And make sure the pictures you place on your wheel are exactly what you want to see manifest in your life.

    5. Once you have completed each wheel, put something on it that represents your spiritual connection, such as a picture of an Ascended Master that you resonate to, pictures of angels, etc. This doesn't have to be a picture; it could be a solid object, like crystals or a cross, for example. In my Native American spirituality class, we learned to also add something that represented our personal totems to our wheels. By adding something that represents your concept of spirituality, you add power, energy and protection to your wheel.

    You may want to place a picture of yourself on each wheel, also, so that your subconscious can see you associated with the pictures you wish to materialize. However, your subconscious will get the message very clearly with or without your picture.

    6. Look at your Magic Wheel every day, especially when you first wake up and before you go to sleep. And again, you don't want to share your wheel with others. As Catherine Ponder says, "what is sacred is secret".

    Manifesting Tool #3

    Positive Affirmations

    Many of you have heard about the power of using positive affirmations to create what you want in life. If you have beliefs such as those I mentioned earlier in this article, beliefs that have been holding you back from what you want, use of positive affirmations is the key. When used repeatedly, positive affirmations literally re-program your subconscious mind. They are positive instructions that replace those old beliefs with the ones you need, in order to manifest exactly what you want. Using positive affirmations is one of the most powerful things you can do to help yourself.

    Positive affirmations are positive statements that you write down and/or read daily, until what you wish manifests in your life. Reading and writing positive affirmations repeatedly about money, prosperity and abundance is another very powerful tool that always works.

    1. To start, write down a page of positive affirmations in the present tense. Start with "I" or "I Am". Write down these affirmations several times each, 10 - 20 times. For example, you may want to write, "I am a success", or "I am a magnet for prosperity", or "I deserve to be wealthy", or "I now have a wonderful, new job", over and over. The statements you use must feel comfortable to you. You can write positive affirmations for all areas of your life, including love and health.

    2. Read your positive affirmations out loud. The spoken word is very powerful and will create results quickly. It will set certain vibrations into motion that will manifest into form.

    3. Say your positive affirmations aloud in front of a mirror. At the School of Metaphysics, I learned how powerful it is to look into your own eyes in a mirror while doing certain exercises such as speaking affirmations. Your eyes really are the windows to your soul, and repeating affirmations while looking into your eyes is highly empowering. The benefits are many, including gaining a greater self-confidence, self-esteem, self-image, self-love, and optimism. Louise Hay, author of 'You Can Heal Your Life," also suggests speaking affirmations in front of a mirror while looking into your eyes.

    4. You can also tape your affirmations in your own voice and play them at work or in your car, or anywhere, anytime. The more you use your affirmations, the faster your affirmations become beliefs. And your beliefs will always become your reality. For examples of powerful, positive money and prosperity affirmations, I strongly suggest reading "Creating Money" and/or ordering the affirmations on tape at www.orindaben.com. There are many suggested affirmations throughout the book, channeled from guides Orin and DaBen, which are designed to create major changes in your life.

    In Conclusion

    These tools are some of the ways in which you can quickly manifest money, prosperity and abundance, or anything you desire. Some other very effective tools you may wish to explore are Feng Shui (which keeps positive energy flowing in your personal and working environment), mudras (yoga hand postures), mantras (word/sound affirmations) and using the power of sound, such as "AH", to manifest while visualizing your desires. All of these tools are ways to keep your magic wand pointed only at what you want. These tools and techniques use energy and spiritual laws that truly create magic in your lives.

    It is also important to let go. In my workshop experience, this is where many people get stuck. They want to control how and when something is going to manifest. This only creates a block in the energy flow. After using any or all of the above manifesting tools, directing your attention only on what you want, it's important to let go of the outcome. Just let it happen. Don't worry about it. Allow it to come into your reality. Trust that the Universe will bring it to you in the Highest possible way.

    Anytime you want to see or measure just how your manifesting is progressing, just look around at your life. Your life is a mirror of everything going on inside of you. Your life accurately reflects your beliefs, desires and dreams. If you don't like what you see, change it by changing that picture in your head and by changing your beliefs. Make sure your wand is pointing exactly at what you want at all times.

    Know that you are never alone. You can always ask for assistance from your Higher Selves, angels, guides, the Ascended Masters, All-That-Is, at anytime. You are really standing on the brink of the Golden Age. Now is the time to remember who you really are. You truly are magicians, shamans, wizards, masters, avatars and creators.

    Additional Book Suggestions

    Merlin's Message "Reawakening and Remembering"
    by Marelin the Magician
    www.wizardwonderland.com

    Creating Money: Keys to Abundance
    by Sanaya Roman and Duane Packer
    www.orindaben.com

    Do What You Love The Money Will Follow
    by Marsha Sinetar

    The Seven Spiritual Laws of Success
    by Deepak Chopra

    Ten Thousand Whispers: A Guide to Conscious Creation
    by Lynda Madden Dahl

    Beyond the Winning Streak
    by Lynda Madden Dahl

    Money Love
    by Jerry Gillies

    You Can Heal Your Life
    By Louise L. Hay

    The Power is Within You
    by Louise L. Hay

    Open Your Mind to Prosperity
    by Catherine Ponder

    Creative Visualization
    by Shakti Gawain

    The Magic of Believing
    by Claude M. Bristol

    Move Your Stuff, Change Your Life:
    How to Use Feng Shui to Get
    Love, Money, Respect and Happiness
    by Karen Rauch Carter

    Feng Shui Design
    by Sarah Rossbach and Master Lin Yun

    Healing Mudras: Yoga for Your Hands
    by Sabrina Mesko Ballantine

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