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	<description>Financial Success is a Choice</description>
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		<title>My Formula for Success and Goal Obtainment</title>
		<link>http://www.winstonhenry.com/my-formula-for-success-and-goal-obtainment/</link>
		<comments>http://www.winstonhenry.com/my-formula-for-success-and-goal-obtainment/#comments</comments>
		<pubDate>Sun, 04 Sep 2011 04:46:15 +0000</pubDate>
		<dc:creator>Winston</dc:creator>
				<category><![CDATA[Goals]]></category>
		<category><![CDATA[Motivation]]></category>
		<category><![CDATA[goal obtainment]]></category>
		<category><![CDATA[My Formula for Success]]></category>

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		<description><![CDATA[Here are the general steps for success and goal obtainment: 1. You need to know what you want. Contrary to those who say no one really knows what they want; You need to first define what it is you want and have a burning desire for it. Next time when someone asks you want it [&#8230;] <a class="more-link" href="http://www.winstonhenry.com/my-formula-for-success-and-goal-obtainment/">&#8595; Read the rest of this entry...</a>]]></description>
			<content:encoded><![CDATA[<p>Here are the general steps for success and goal obtainment:</p>
<p>1. You need to know what you want. Contrary to those who say no one really knows what they want; You need to first define what it is you want and have a burning desire for it. Next time when someone asks you want it is you want ( your major goal) &#8211; make sure you can look them dead in the eye and clearly and precisely tell them just that. This is the first step and usually requires the most work on &#8211; as habits needs to change in order to keep your goals always in the back of your mind. Daily and consistent actions and thinking aligned with obtaining your goal will ingrain your goal into your subconscious and form new habits that ensure your success.</p>
<p>2. Research those who have done or become what you want in your goal. You can save hour, months, or even years off your journey when you find and model those who&#8217;s current status is that which you want. Find out what they are doing, what their belief system is, and that distinction that is setting them apart from whatever it is you want. In most circumstances, it is only a slight or minor action, edge, strategy, or thinking that has a profound effect on what it takes to get what you want. It is best to see them in their peak state so you can model exactly what it is they are doing in terms of what they are focusing on, how they take on disappointment and success.</p>
<p>3. Setup or have a system in place to track and measure your results so that you can see what is working and what is not working. Tracking what is pulling you towards or away from your goals is essential. This also ties closely with step 2. You need to know exactly what metrics you need to measure, track and improve on. Those who you need to model usually have a keen focus on these metrics and their actions tie closely to affecting these metrics with maximum effectiveness.</p>
<p>With constant improvement and refinement to your strategies, go back to steps 1 to 3 until you do achieve your goals. These are the major steps you really need to achieve your goals. I would just like to point out some useful things below.</p>
<p>4. A lot of people say you are the average of the 4-5 people you hang out with most. Or more commonly &#8211; birds of a feather flock together. This is generally true in business and in life so be careful who you associate and hang out with. You really should not let others know your major goals in life but make your best to hang out with those that are in alignment with your major goals and spend less time with those who don&#8217;t. Finding people that compliment your skills and have same goal alignments will rocket you to success.</p>
<p>5. Remember the 80-20 principle is always working &#8211; is it working with or against you. Apply it to the actions that affect the metrics you need to focus on the most so you can scale your results and achieve your goals faster.</p>
<p>6. Remember you are either growing or dying. There is no constant state. Know which one you are on or you may one day wake up and find out you died a slow death.</p>
<p>7. Aim high. Weak goals do not motivate and rarely have enough juice to keep you going in times of doubt, or failure.</p>
<p>8. Stay hungry. Do not settle for anything less than all you can be, do, have, give, and achieve.</p>
<p>9. Enjoy the journey, and be grateful as it is the only real thing you got at the end of it &#8211; the experience and living it on your terms.</p>
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		<title>Write It Down First</title>
		<link>http://www.winstonhenry.com/write-it-down-first/</link>
		<comments>http://www.winstonhenry.com/write-it-down-first/#comments</comments>
		<pubDate>Wed, 31 Aug 2011 05:36:00 +0000</pubDate>
		<dc:creator>Winston</dc:creator>
				<category><![CDATA[Goals]]></category>
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.winstonhenry.com/?p=43</guid>
		<description><![CDATA[I recently found a journal/notebook I had used about 3 years ago that kept track of my goals and thoughts during the year. The journal was filled from front to back with notes on goals, wants, ideas, and achievements. It documented a lot of days when everything seemed to be going well and when things [&#8230;] <a class="more-link" href="http://www.winstonhenry.com/write-it-down-first/">&#8595; Read the rest of this entry...</a>]]></description>
			<content:encoded><![CDATA[<p>I recently found a journal/notebook I had used about 3 years ago that  kept track of my goals and thoughts during the year. The journal was  filled from front to back with notes on goals, wants, ideas, and  achievements. It documented a lot of days when everything seemed to be  going well and when things were not so great. Flipping through the  journal, I soon got caught up in it and it felt like I was reading  someone else’s experiences – some matched the ones I remembered. It was  about 100 pages and I read through each page after the first dozen  notes. I noticed that I had a huge goal set out that year written even  in the first few pages of the journal and was interested in seeing if  and how I managed to pull it off. The journal was like a storybook –  with a guy on an adventure and on a mission. In the beginning it looked  like an impossibility for him with failed attempts, ideas that sound  silly now, and no clear path to reaching the goal. In the half way point  of the journal, I was hooked and really wanted to see how I achieved  that impossible goal I set out for myself so I read the notes carefully.  I found out that I did 3 major things to help me achieve that  impossible at the time goal. These are</p>
<p>1. Write down the chief aim or goal on top of your journal every day. With today: and Monthly:</p>
<p>Somehow after I kept writing these things on top of my journal  everyday (my day and my month) the impossible goal was making its way to  me faster.</p>
<p>2. Studying successful people who have achieved my impossible goal:</p>
<p>This was a key turning point in my journal – the moment I started  studying and learning from people who have been there and done it, my  goal was becoming into my reality faster and faster.</p>
<p>3. Work on what is working or scale just a handful of things for more results:</p>
<p>In the beginning of the journal it was a whole page filled with wild  ideas and new stuff to test out but with little to no success. Then at  the end of the journal it was short and simple with emphasis on what was  working. My Today, my month, and what needs to be done was the last 10  or so pages with the goal in grasp and in plain site. They were just a  handful of HIGH impact action items that yielded 90% of my results and  my journal showed that I only concentrated on these during my last few  hurdles.</p>
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		<title>When to Refinance Rule of Thumb Myths</title>
		<link>http://www.winstonhenry.com/when-to-refinance-rule-of-thumb-myths/</link>
		<comments>http://www.winstonhenry.com/when-to-refinance-rule-of-thumb-myths/#comments</comments>
		<pubDate>Wed, 31 Aug 2011 05:15:02 +0000</pubDate>
		<dc:creator>Winston</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://www.winstonhenry.com/?p=41</guid>
		<description><![CDATA[Here is an excellent article on Refinancing and if it is right for you now: You&#8217;ve probably found yourself at one time or another wondering whether it was a good time or not to refinance the house. You figure you can consolidate some bills, free up some monthly cash, maybe take some cash out&#8230;you know&#8230;to [&#8230;] <a class="more-link" href="http://www.winstonhenry.com/when-to-refinance-rule-of-thumb-myths/">&#8595; Read the rest of this entry...</a>]]></description>
			<content:encoded><![CDATA[<p>Here is an excellent article on Refinancing and if it is right for you now: You&#8217;ve probably found yourself at one time or another wondering  whether it was a good time or not to refinance the house. You figure you  can consolidate some bills, free up some monthly cash, maybe take some  cash out&#8230;you know&#8230;to fix up the house&#8230;possibly get that new flat  screen TV you&#8217;ve been talking about&#8230;and then <em>maybe</em> take a vacation with what&#8217;s left. Sounds good. It helps the economy, and hopefully it helps you too.</p>
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<p>Like  many people, you have probably heard of, or hold to, a rule of thumb  regarding when to refinance that appears to have served others, or even  yourself, well. I say &#8220;appears&#8221; precisely because things are not always  what they <em>appear</em> to be. And when it comes to when to refinance  rules of thumb, you must beware of simplistic rules. A refinance is  likely the LARGEST financial transaction you may ever make and two of  the most widely used rules of thumb don&#8217;t consider the big picture.  Simple is great, except when it&#8217;s SIMPLY WRONG.</p>
<p><strong>When To Refinance Rule Of Thumb Myth #1</strong></p>
<p>So  what are these two when to refinance rule of thumb myths, and how is it  they can appear to be giving you a good deal, while in many cases  actually costing you thousands? Well the first myth is what many people  call the 2% Rule. This rule states that you should never refinance into a  mortgage that doesn&#8217;t reduce your interest rate by at least 2%. And if  you can refinance into a mortgage with a 2% or greater decrease in  interest rate, then the monthly savings will add up to long term savings  over the life of the new loan. In some cases this can be true and in  many others it is not. The problem with this rule, as you will see  shortly, is that it is blind to all other loan factors <em>besides</em> rate. Let&#8217;s take a look at some actual figures and put this rule to the test.</p>
<p>(Note:  The figures and calculations below will be explained for those of you  that want to learn to calculate refinance costs yourself, as well as for  those of you that may not trust my math&#8230;LOL. I apologize if I get too  detailed, but I really want YOU to know for YOURSELF if you&#8217;re saving  money, rather than relying on a salesman&#8217;s opinion. This is information  EVERYONE MUST HAVE. As you read this article you will learn how to save  thousands in the refinance market, so it&#8217;s well worth your time to read  each section all the way to the end. Also please note that the Mortgage  Payment Calculator mentioned below can be found by following the link  found at the end of this article. It is not needed to follow along with  this article, unless you wish to double-check the calculations.)</p>
<p>For  our example, let&#8217;s assume 15 years ago you took out a fixed rate home  mortgage for $195,000 at 8% for 30 years. Your CURRENT balance on the  loan is $149,720.90. You have 15 years left to go and the payment on  this mortgage is $1,430.85 per month. If you input these figures into my  Mortgage Payment Calculator you&#8217;ll see that the TOTAL amount of money  you will pay in principal and interest over the life of this loan is  $515,092.47. (This total cost is disclosed to you on a lender&#8217;s  Truth-in-Lending Statement (TIL), and by law this statement must be  provided to you by the lender within 3 business days of application.)</p>
<p>Over  15 years you&#8217;ve made 180 payments of $1,430.85 for a total of  $257,553.00 already paid. If we subtract what you&#8217;ve already paid from  the total obligation of $515,092.47 we find that you still owe  $257,539.47 for the final 15 years. This number serves as a good  starting point for comparing different loan offers, because you should  have your Truth-in-Lending (TIL) Statement early (within 3 days) and it  will instantly show if the new loan is substantially more costly than  your current mortgage. But this is NOT the final word as there are <em>other</em> considerations that vastly affect cost and savings. We&#8217;ll get to that shortly, but first let&#8217;s continue with our example.</p>
<p>A  lender has offered you a $150,000 fixed rate mortgage at 6% for 30  years with 2 discount points down and $2500 in closing and processing  fees. (A single discount point is equal to 1% of the loan amount.) Like  many people you may decide to finance the points and fees into the loan.  For this example we will finance these costs, so our total NEW loan  amount will actually be $155,500, but still at 6% and still for 30  years, and your monthly payment will be $932.31. Using either my  Mortgage Payment Calculator or your TIL we can see that the total cost  of this new loan is $335,622.63.</p>
<p>So <em>is</em> this refinance going to save you money? It <em>does</em> follow the 2% Rule. The lower payment is also SAVING you $498.54 every  month, but the TIL shows it COSTS $78,083.16 more to take this loan. So  what&#8217;s the deal? Will this loan save you money, or cost you money? The  correct answer is&#8230;IT DEPENDS.</p>
<p>As it happens, one of the most  determinate factors affecting your wallet in a refinance is TIME. And I  don&#8217;t just mean the number of years on your mortgage term. Regarding our  example above, I specifically mean the length of time you plan on  keeping your home or mortgage. This is one of those factors that the 2%  Rule fails to consider. So why is that <em>so</em> important? It&#8217;s  because any savings or costs in a refinance are realized over TIME. The  bottom line is constantly changing as time progresses, you could be  saving more and more, or losing more and more.</p>
<p>It is true that the  above refinance would cost you $78,083.16, but that&#8217;s only after 30  years. However, after only five years, taking the refinance has actually  SAVED you $3,140.18. If you moved or paid off your mortgage after five  years you&#8217;d be ahead of the game. At 10 years you&#8217;d still be ahead by  $253.16, at 15 years you&#8217;ve lost $20,741.16 and at 20 years you&#8217;ve lost  $50,172.85. I&#8217;m sure you can see the downward trend as time moves on.  The monthly payment savings has the most benefit early on in the loan,  while the slower decline of the principal balance progressively  nullifies that benefit as time goes forward. The impact is substantial,  yet the 2% Rule doesn&#8217;t consider either of these two factors.</p>
<p>Let&#8217;s  give the 2% Rule another test run as a when to refinance rule of thumb.  We&#8217;ll use the same scenario as above, but we&#8217;ll make it a debt  consolidation refinance that you&#8217;re considering. This refinance will pay  off $20,000 in credit card and other consumer debt, freeing up the $250  you had been sending in for monthly payments. So in this case the loan  amount will be $175,900. We&#8217;re still financing the 2 points and closing  fees and the rate is still 6%. But now let&#8217;s make the TERM for 15 years.  This shorter term makes the monthly payment $1,484.35 which is actually  in increase of $53.50 over your present payment, but when combined with  the debt consolidation savings of $250, nets you a TOTAL monthly  savings of $196.50 every month. Using either my Mortgage Payment  Calculator or the TIL you will see the total cost of this loan is  $267,181.30. Subtracting this from the $257,539.47 we know you still owe  on your current mortgage results in a LOSS of $9,641.83, after 15  years, IF you take this refinance.</p>
<p>But as I mentioned earlier, this is not the final word as there are <em>other</em> considerations. Like what? Well, like the $250 you&#8217;re saving every  month on those paid off debts. We still have to account for that. The  Truth-in-Lending statement only shows costs related to mortgage payments  and loan balances over time. Now since our CURRENT loan has 15 years  left and our NEW loan is for 15 years, the loan balances would reach  zero at the same time, so after 15 years the costs related to loan  balances are the same. This means the only cost shown in our TIL  comparison above comes from the change in monthly payment. That&#8217;s why if  you multiply the loss of $53.50 over 180 months (15 years) the  resulting total loss of $9,630 is basically IDENTICAL to the loss of  $9,641.83 shown in our TIL comparison. (While it&#8217;s a negligible amount,  the reason for the difference is that the FINAL payment on a loan is  almost always lower than the NORMAL monthly payment, where <em>our</em> calculation assumes all 180 payments were the same.)</p>
<p>Now, back to accounting for the <em>other</em> consideration&#8211;the debt consolidation savings. When we multiply the  monthly savings of $250 over 180 months, or 15 years, the resulting  total is $45,000.00. When combined with the loss of $9,641.83 we find  you&#8217;ve actually saved $35,358.17 after 15 years!</p>
<p>So the 2% Rule is  in effect, and we can demonstrate some pretty substantial savings over  the life of the loan. Does that mean that using the 2% Rule in this case  will definitely save you money? Again&#8230;IT DEPENDS. If you moved or  paid off this mortgage after five years you&#8217;ve actually lost $3,982.92.</p>
<p>This  is because the difference in loan balances (what you would have to  pay-off) is greater early in the loan. And the monthly payment savings  can only show benefit once the steadily accelerating decline in the  principal balance of the NEW loan has been given time to catch up to  where the balance of the OLD loan would be at that time. (This will make  more sense when I show you how to calculate this for yourself shortly.)</p>
<p>There  is an upward trend in savings as time moves on, going from the  negative, upward into the positive. So for this refinance to save you  money, you must STAY in your mortgage until that trend line flips from  the negative side of losses to the positive side of savings. But again,  this information fails to be considered when using the 2% Rule as a when  to refinance rule of thumb. Clearly, relying on the 2% Rule as a when  to refinance rule of thumb is no guarantee of savings.</p>
<p><strong>When To Refinance Rule Of Thumb Myth #2</strong></p>
<p>I  promised you two when to refinance rule of thumb myths and I won&#8217;t  disappoint. The second myth that could cost you thousands of dollars is  what I will refer to as, for brevity&#8217;s sake, the $200/month &amp; 5 Year  Rule. This rule states that if you can refinance into a mortgage that  saves you at least $200 every month AND doesn&#8217;t add more than five years  to the remaining term on your current mortgage, then it will save you  money in the long run. The problem with the $200/month &amp; 5 Year Rule  as a when to refinance rule of thumb is that, like the 2% Rule, it is  blind to many of the same loan factors such as the impact of time and  loan balances. But where the 2% Rule was blind to monthly savings, the  $200/month &amp; 5 Year Rule is instead blind to interest rate. Let&#8217;s  check out some actual figures and see if this rule fares any better than  the 2% Rule.</p>
<p>In this example, let&#8217;s assume 15 years ago you took  out a fixed rate home mortgage for $211,000 at 6% for 30 years. Your  CURRENT balance on the loan is $149,910.62. You have 15 years left to go  and the payment on this mortgage is $1,265.06 per month. If you input  these figures into my Mortgage Payment Calculator you&#8217;ll see that the  total amount of money you will pay in principal and interest over the  life of this loan is $455,413.17. Over the last 15 years, the 180  payments of $1,265.06 you&#8217;ve made total $227,710.80. Subtract this from  the total cost of $455,413.17 and we see you still owe $227,702.37 over  the next 15 years. As before, this becomes our starting point for  comparison.</p>
<p>The lender comes back with a debt consolidation loan  offer in order to provide the $200 monthly savings. Again we&#8217;ll assume  you&#8217;re paying off $20,000 in credit card and other consumer debt, which  frees up $250 each month. So the offer is a fixed rate mortgage of  $175,900 at 6% which includes the 2 discount points and closing fees  which are being financed. In order to get the $200 monthly savings, it  is necessary to extend the TERM to 20 years, and this makes your monthly  payment $1,260.21. This is a monthly savings of $4.85 over your PRESENT  payment and you&#8217;re also saving $250 per month due to debt consolidation  for a total savings of $254.85 each month. Using either my Mortgage  Payment Calculator or your TIL we can see that the total cost of this  NEW loan is $302,446.81 after 20 years. Subtracting this from the  $227,702.37 we know you still owe on your CURRENT mortgage results in a  loss of $74,744.43 after 20 years, IF you take this refinance.</p>
<p>But  as you remember from our prior debt consolidation example, we still  have to account for the $250 monthly savings over those 20 years as  well. So 240 months, or 20 years, multiplied by $250 per month in  savings equals $60,000. When we combine that with the loss of $74,744.43  from our TIL costs calculation, it results in a total loss of  $14,744.43 after 20 years.</p>
<p>Well, so much for the $200/month &amp; 5  Year Rule being bulletproof. What if you get out of the home or  mortgage early in the term, do you come out ahead then? Sadly, no. In  this scenario, the rule FAILS COMPLETELY. The loss after 20 years is the  HIGHEST this trend line ever climbs. It is climbing, but climbing only  halfway out of a hole still leaves you in the hole. After five years  you&#8217;ve lost $20,103.16 and after 15 years you&#8217;ve lost $19,309.81.</p>
<p>In  this scenario the $200/month &amp; 5 Year Rule would cost you thousands  no matter what you did. Like the 2% Rule, I know there are scenarios  where this rule can be applied, and it <em>will</em> be financially  beneficial, but blindly relying upon either of these rules as a when to  refinance rule of thumb is a crap-shoot. How do you do when you&#8217;re in  Vegas? &#8220;Do you feel lucky&#8230;punk? Well DO ya&#8230;?&#8221;</p>
<p>The banks, like  casinos, have all run their numbers. They know the statistics, they know  the odds. If you&#8217;re determined to come out on top, then you must RUN  THE NUMBERS.</p>
<p>So as a when to refinance rule of thumb, do the 2%  Rule or the $200/month &amp; 5 Year Rule work? Sometimes Yes, and  sometimes No. Do they capture all of the complexities related to  refinance costs? Certainly not. Do they serve as reliable when to  refinance rules of thumb to use as a basis for your next refinance  decision? That&#8217;s something only <em>you</em> can answer for yourself,  but as for myself, I trust numbers and I am always going to DO THE MATH.  To me, a rule that works sometimes is UNRELIABLE, and essentially not a  rule at all, it&#8217;s a myth.</p>
<p><strong>The Best &amp; Only When To Refinance Rule Of Thumb</strong></p>
<p>DO THE MATH. DO THE MATH. DO THE MATH.</p>
<p>When  it comes to home refinancing, you really need to see the process for  what it is&#8230;possibly the LARGEST financial decision affecting your  wealth that you will <em>ever</em> make. In one of the above examples  the savings over 15 years exceeded $35,000. That&#8217;s an EXTRA YEAR&#8217;S  SALARY for many of us, 2080 hours of wages for which you didn&#8217;t have to  do any work. In another example, the losses were twice that over 30  years. Ouch! The <em>only</em> way you can be sure that you&#8217;re saving  and not losing is to DO THE MATH. You&#8217;ve seen me throwing out all of  these trend figures for different points in time, without explanation  for how I derived them. Now I&#8217;m going to show you how to calculate your  refinance savings or losses for YOURSELF.</p>
<p>There are really only  five factors involved in comparing the costs of a CURRENT loan to a  REFINANCE loan for any point in time. They are:</p>
<p>1-Monthly Payments Difference Cost/Savings to date</p>
<p>2-Debt Consolidation Savings to date</p>
<p>3-Remaining Balances Difference</p>
<p>4-Cost of Refinance (Points &amp; Fees)</p>
<p>5-Term Difference Savings to date</p>
<p>Our FIRST STEP is to subtract the CURRENT Monthly Payment from the NEW Monthly Payment.</p>
<p>Example: $1265.06 (CMP) &#8211; $1260.21 (NMP) = $4.85</p>
<p>The result is a gain of $4.85 per month. If ever this calculation results in a loss, be sure the number has a negative sign(-).</p>
<p>The  NEXT STEP is to add any Debt Consolidation Savings to the result of the  last calculation. (Remember, if the last calculation resulted in a loss  you&#8217;re essentially subtracting here, since you&#8217;re adding a negative  number.)</p>
<p>Example: $4.85 (MP Savings) + $250 (DC Savings) = $254.85</p>
<p>Now  we need to know the point in time you wish to examine. Let&#8217;s look at  five years out. So that is a total of 60 months from now. Since in this  example you&#8217;re saving $254.85 every month that&#8217;s a total savings of  $15,291.00. Write this number down in a column.</p>
<p>The NEXT STEP is  to determine the Remaining Balances for BOTH loans in five years. Using  my Mortgage Payment Calculator will help make this easier. In this  example, the beginning loan amount on the CURRENT mortgage was $208,000  at 6% for 30 years with zero points and $3000 in closing costs which  were financed, and you&#8217;ve been in the mortgage for 15 years. If you  input these figures you&#8217;ll see that after 15 years in the mortgage, your  CURRENT loan balance is $149,910.62. The amortization table shows that  in five more years (20 years into the mortgage) your Remaining Balance  will be $113,943.69. Now let&#8217;s find out where the NEW loan will be in  five years.</p>
<p>For this example, input a loan amount of $170,000 at  6% for 20 years. It also has 2 points and $2500 in closing costs, which  are being input ONLY because they are being <em>financed</em>. (If you  are paying points and fees out of pocket, DO NOT include them in this  calculator input.) Hit the Calculate button and you&#8217;ll see that after  five years your Remaining Balance is $149,337.85. Subtract this NEW  Remaining Balance from the CURRENT Remaining Balance.</p>
<p>Example: $113,943.69 (CRB) &#8211; $149,337.85 (NRB) = -$35,394.16* *Notice the result has a negative sign(-).</p>
<p>Add  this negative number to the column with the $15,291.00. When you total  these numbers it shows a TOTAL LOSS of -$20,103.16 after five years. In  this example, this is the FINAL TOTAL after five years.</p>
<p>The last  two of the five factors don&#8217;t apply to this example. The Closing Costs  don&#8217;t need to be deducted here because they were financed, and their  expense is accounted for in the Remaining Balance on the NEW loan. If we  had <em>not financed</em> the points and fees, then you would determine  their total cost and write it in the column as a negative number,  totaling it with the other numbers in the column in order to account for  the cost. And the last factor, Term Difference Savings, doesn&#8217;t apply  because we are only looking five years ahead. This factor has no effect  until the term on the CURRENT mortgage has expired.</p>
<p>To show you  how to account for this last factor, let&#8217;s compare the same two loans  but look 20 years ahead, five years after your CURRENT mortgage has  expired. The monthly savings of $254.85 multiplied by 240 months, or 20  years, is $61,164.00. Write this in a new column, since it&#8217;s a new point  in time.</p>
<p>Now the Remaining Balances Difference after 20 years is actually $0.00. The CURRENT loan <em>only</em> had 15 years to go and the NEW loan was <em>only</em> for 20 years, so a zero balance minus a zero balance equals zero. Write a zero in the column.</p>
<p>The  Closing Costs were financed and therefore accounted for, so the only  remaining factor is the Term Differences Savings. Since your current  mortgage expires in 15 years, but the new mortgage is for 20 years, this  is the money you would NOT have to pay for the final five years if you  STAY in your CURRENT mortgage. Your CURRENT monthly payment is $1265.06  and NOT paying that for 60 months would save you $75,903.60. This number  is also written in the column, but as a negative since this is a loss  you realize by taking this refinance. Total up the $61,164.00 and the  $0.00 and the -$75,903.60 and you&#8217;ll get a FINAL TOTAL LOSS of  -$14,739.60 after 20 years or the life of the loan.</p>
<p>You can even double check this by using the TIL cost calculation as demonstrated at the beginning of this article.</p>
<p>Example: $227,702.38 (Remaining Cost) &#8211; $302,446.81 (New Cost) = -$74,744.43</p>
<p>This  example&#8217;s total loss is -$74,744.43 after 20 years. We already know the  TIL can&#8217;t account for Debt Consolidation Savings, so in order to make a  <em>true comparison </em>we need to account for those savings. Now $250  a month over 240 months, or 20 years, is $60,000.00. When we add that  $60,000.00 Debt Consolidation Savings to the TIL costs calculation  result in the example above, the total result is a loss of  -$14,744.43&#8211;nearly identical to the FINAL TOTAL LOSS of -$14,739.60 we  were double checking. This is proof of the accuracy of this method and I  hope you can see it&#8217;s value.</p>
<p>I do admit, all this math can become  a bit tedious, especially when looking at several different points in  time for several different offers. If your interested in a great  alternative to doing all of this math manually, you should check out the  Trend Master Refinance Calculation Tool. It will do all of this math in  a flash and show you in a user friendly way, exactly how your mortgage  will affect you. It&#8217;s really a fantastic tool. You can find out more by  following the link provided below.</p>
<p><strong>Advice From A Former Mortgage Professional</strong></p>
<p>I  STRONGLY ENCOURAGE you to create tables of each of your loan  comparisons over several different points in time. Seeing the trends  visually can be truly enlightening. Keep in mind the length of time you  plan on staying in the home. I also highly, HIGHLY recommend you get  multiple, read many, quotes from <em>different</em> lenders. A &#8220;Good  Deal&#8221; means not only putting yourself in a better financial position,  but also getting the best value in the current market.</p>
<p>THINK about that last sentence for a minute.</p>
<p>If  a 2% interest decrease saves you $300 a month and $10,000 long term, is  it a &#8220;Good Deal?&#8221; What if another lender was offering a 3% decrease at  that time and it saved you $600 a month and $40,000 long term? Is the  first offer still a &#8220;Good Deal&#8221; or a &#8220;Not So Good Deal?&#8221;</p>
<p>Look at  it another way, if you bought a $60,000 car for $50,000, and then saw it  somewhere else for $35,000, regardless of how much money you saved,  you&#8217;d still probably feel cheated. That&#8217;s because deep down you know you  got a deal, but NOT a &#8220;Good Deal.&#8221;</p>
<p>You should always explore the  market. Multiple offers help give ALL of the offers a sense of scale and  value. Utilize the methods I have given you here. Use my Mortgage  Payment Calculator to assist you. Always DO THE MATH and look at the  trends over time. Information is power.</p>
<p>Use the tools that work  and throw out the tools that don&#8217;t. Oversimplified when to refinance  rules of thumb are tools that don&#8217;t work. The Trend Master Refinance  Calculation Tool is a tool that does work. Follow the link below to  learn more about what it can do for you. You owe it to your pocketbook  to at least check it out.</p>
<p>Another suggestion is to contact actual  lenders. You&#8217;re not obligated to anything until you sign at closing and  it costs nothing to get a quote. Get the Good-Faith-Estimate and the  Truth-in-Lending statements from each lender. They are REQUIRED BY LAW  to provide them within 3 business days of application. Also ask for an  amortization schedule as well, since it will show you the loan balances  over time.</p>
<p>A final word. There are some fantastic online services  that take most of the work out of mortgage shopping today. You can fill  out just one online application and get back multiple offers very  quickly. At that point you can apply my methods for each offer over  several points in time and really see what action is best for you. And  you should REPEAT this process until you are satisfied you have a &#8220;Good  Deal.&#8221;</p>
<p>Remember, it&#8217;s not you against the banks, it&#8217;s the banks against each other! That&#8217;s your LEVERAGE! Use it!</p>
<p>Pass  this information on to everyone you know. If we all know how to make  informed decisions and spend money wisely, we add stability to our  economy and to our future.</p>
</div>
<div id="article-resource">
<p>You can access the Mortgage Payment Calculator at [http://www.enlightenedrefinance.com/Mortgage-Calculators.html]</p>
<p>Get  more information about the Trend Master Refinance Calculation Tool at  [http://www.enlightenedrefinance.com/Trend-Master-Details.html]</p>
<p>______________________________________________________</p>
<p>&#8220;Take calculated risks. That is quite different from being rash.&#8221;</p>
<p>George S. Patton</p>
<p>______________________________________________________</p>
</div>
<p><span style="color: #808000;">Article Source: 				<a href="http://ezinearticles.com/?expert=Dan_Rego">http://EzineArticles.com/?expert=Dan_Rego</a></span></p>
</div>
<div><span style="color: #808000;"><br />
Article Source: http://EzineArticles.com/3087084</span></div>
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		<title>The Power of Modeling Success</title>
		<link>http://www.winstonhenry.com/the-power-of-modeling-success/</link>
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		<pubDate>Thu, 11 Aug 2011 05:40:53 +0000</pubDate>
		<dc:creator>Winston</dc:creator>
				<category><![CDATA[Goals]]></category>
		<category><![CDATA[Motivation]]></category>
		<category><![CDATA[Modeling Success]]></category>

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		<description><![CDATA[When we were children we imitated the things we saw our parents do, and said the things we heard them say. We also had hero’s we admired and were inspired to become. I remember Halloweens where my childhood friends and I all got a chance to become that superhero we admired most. We would not [&#8230;] <a class="more-link" href="http://www.winstonhenry.com/the-power-of-modeling-success/">&#8595; Read the rest of this entry...</a>]]></description>
			<content:encoded><![CDATA[<p>When we were children we imitated the things we saw our parents do,  and said the things we heard them say. We also had hero’s we admired and  were inspired to become. I remember Halloweens where my childhood  friends and I all got a chance to become that superhero we admired most.  We would not just buy and make the costumes but tried to speak like  them, move like them and feel what they would feel. This behavior is  called modeling.</p>
<p>Modeling is a conditioned behavior that we picked up from those we  are closely associated with beginning in our childhood.  Unfortunately,  we no longer need most of those behaviors by the time we reach  adulthood.  Most of the time those learned behaviors are negative in  nature and hold most people back.</p>
<p>Before you can reach any level of success, the negative habits must  be transformed into positive ones.  The fastest and most effective way  to do this is by learning to model other successful people.  This  requires making some changes.  Awareness is the first step toward  change.</p>
<p>You need to become aware of what it is that successful people are  doing and have done that allows them their wealthy lifestyle.  Use that  information to compare with the things you are doing.</p>
<p><strong>Choose the Strategies You Want to Model </strong></p>
<p>If you want to be successful, it makes sense to model the strategies  of the successful.  It’s an old concept, yet it’s completely underused  and often misunderstood.</p>
<p>We are talking here about modeling those strategies that you feel you  want to integrate into who you are and then make them entirely your  own.  It is a matter of personal choice what strategies you choose to  master.  Step into a world of possibilities that may not have occurred  to you or been open to you before.</p>
<p>Take the risk to model something that is slightly outside of your  comfort zone.  If you do something you have never done, you’ll get a  result you’ve never gotten before.  And that can be a good thing.</p>
<p>You can model anyone, living or dead.  Get specific details.  Check  if they have an autobiography or a biography.  Speak to people that know  or knew them. Read and, if possible, listen to their speeches.  Find  out if you can meet the person.  You might even be able to ask them to  be your coach or mentor.</p>
<p>By studying what other successful people have done, rather than  finding your way alone, you can receive better results much easier.</p>
<p>To begin, you need to analyze exactly what it is that that person is  actually doing to produce the results you would like to produce.  Once  you have analyzed and understand what your model does, you can work at  doing the same things.</p>
<p>The modeling approach is sometimes referred to as “fake it until you  make it,” but there is nothing fake about it.  You are simply using a  scientific approach to duplicate their thinking process.  The closer you  can imitate their physiology the easier it will be to create the same  thought patterns.</p>
<p>Eventually these new result producing behaviors will be programmed  into your own personality.  You will have adopted the very same thought  processes and be producing similar results. Then you will be the one  others will want to model.</p>
<p><strong>Success Leaves Clues</strong></p>
<p>This is a powerful idea:  Success leaves clues.  If you can learn the  methods that someone else used to succeed, then you can do the same  thing.</p>
<p>Anthony Robbins said in his bestselling book Unlimited Power, “If you want to achieve success, all you need to do is find a way to model those who have already succeeded.”</p>
<p>Here are two questions for you:</p>
<p>-Whose success clues are you studying?</p>
<p>-Whose model are you duplicating?</p>
<p>Without a model, success will be much more difficult for you to  achieve.  Choose one model and begin to implement it.  Don’t chase after  multiple models, trying a little of this and a little of that.</p>
<p>Pick one and begin.  Action is the key.</p>
<p>How do you know which is the right model to follow?</p>
<p><strong>What to Look for In A Success Model </strong></p>
<p>Here are three things to look for in a model for online success:</p>
<p>1.  It should show you how to target a hungry online market.</p>
<p>2.  It should reveal to you powerful ways to generate website traffic.</p>
<p>3.  It should teach you how to convert prospects into customers.</p>
<p>Use the above criteria to critique the model you choose to  duplicate.  The final step is to take action and actually implement your  success model.  Who is your primary model of success?  What one person  best captures your idea of living the dream?</p>
<p><strong>Six Simple Strategies for Effective Success Modeling</strong></p>
<p>Below is a simple strategy to help you model success.</p>
<p>In getting answers to these questions and using the responses,  youll  tap into the success strategies of the person you are modelling. The  important thing here is to take action on what you learn in a sense to  do as they do and integrate those aspects of success into who you are.</p>
<p>1. Environmentally, what type of people does the individual surround  themselves with, what type of mindset do these individuals have? How do  they view and respond to the world around them?</p>
<p>2. How does this person you wish to model behave? How do they manage  their emotional well-being? What is their skill set? How do they use  that skill set to take them to the next level? How do they manage gaps  in their skill set? Is their behavior reactive to other peoples’ moods  and behaviors,  or do they stand in their own power and choose how they  wish to behave in any given situation and the world in general?</p>
<p>3. Is this person a forward thinker, a strategist? To what extent are  they focused on continuous improvement? Is this person a good  listener  and able to assess a range of views and be decisive?</p>
<p>4. Find out what the individual’s belief and value system is. What is  important to them and why? How and why do they do what they do?</p>
<p>5. Delving deeper into understanding the individual, what is their  purpose? What is this person’s reason for being? What have they come  here to be and do?</p>
<p>6. What is the ultimate success for this person, however they define this for themselves?</p>
<p>Many successful people live a life of no limits. Their focus being the world is theirs to have and to hold as they wish.</p>
<p>Success is a choice. There is no right time for it, so why not get   motivated, inspired and start right now to create the lifestyle of your  dreams. Take the actions to model your way to success.</p>
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		<title>Make A Decision:  Inner Freedom Comes From Within</title>
		<link>http://www.winstonhenry.com/make-a-decision-inner-freedom-comes-from-within/</link>
		<comments>http://www.winstonhenry.com/make-a-decision-inner-freedom-comes-from-within/#comments</comments>
		<pubDate>Sun, 20 Sep 2009 04:31:23 +0000</pubDate>
		<dc:creator>Winston</dc:creator>
		
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		<description><![CDATA[Man is born free, and everywhere he is in chains. Jean Jacques Rousseau (1712-1778) The Social Contract 1762 “Man is free at the moment he wishes to be.”  Voltaire If you are not free in thought, word, deed, vocation, relationship, and any other aspect of your life, make a decision today to become free.   After [&#8230;] <a class="more-link" href="http://www.winstonhenry.com/make-a-decision-inner-freedom-comes-from-within/">&#8595; Read the rest of this entry...</a>]]></description>
			<content:encoded><![CDATA[<p>Man is born free, and everywhere he is in chains.</p>
<p>Jean Jacques Rousseau (1712-1778) The Social Contract 1762</p>
<p><a href="http://www.lucidcafe.com/library/95nov/voltaire.html">“Man is free at the moment he wishes to be.”  Voltaire</a></p>
<p>If you are not free in thought, word, deed, vocation, relationship, and any other aspect of your life, make a decision today to become free.   After all we are free if we make up our minds to be.   We are each free to overcome the obstacles that block us from gaining our personal freedom and knowing authenticity and joy.  It all depends on our own will, values, attitudes, personal philosophies and attainment of spiritual growth. </p>
<p>Lack of freedom results in ignorance which breeds fear. Fear distorts the individual&#8217;s perception of reality and results in restricted understanding.The individual lives in the prison of his own limited emotional and psychological scope encouraging suspicion, hatred, and confusion.</p>
<p>To those who perceive themselves as helpless, bound, too fearful to make a break their chains, let the love within you and your own inner wisdom show you the way to become free.  A person can become free in a prison, jail, the military or a hospital.  It is a matter of turning your stumbling blocks into stepping stones. </p>
<p>Freedom comes from within.  There is no one&#8217;s permission you need to get.  No authority you need to submit to in order to get your freedom approved.  No one can tell you that you can&#8217;t be free on the inside where it counts.  They can hold your body hostage, but not your mind, heart and spirit where it counts. </p>
<p>Forgiveness and unconditional love are two paths to inner freedom.  You can be imprisoned by your hatred and resentments just as securely as if you were in a maximum security prison.  Other paths leading to inner freedom are overcoming the hurdles of anger, self-pity, false pride, envy and bitterness.  All of these negative emotions eat like a cancer and keep you from finding joy and freedom.</p>
<p>Freedom is the result of having the willingness to do whatever it takes to overcome any road blocks  that stand in your way.    Perhaps fear is the result of  perpetuating illusions you have believed for too long.  You may believe if you take a risk you will be helpless in an uncertain future.  If you aren&#8217;t choosing freedom, you&#8217;re choosing fear. </p>
<p>Let go and let God, or your higher power or the universe.  Fear, it is said, is False Evidence Appearing Real.   It is a fake boogieman that carries no real threat where there is love.</p>
<p>Fear is the opposite of love.  Get in touch with the love within you.  Be one with the God (or your Higher Power or the universe)  within which is Unconditional  Love.   Experience the Oneness of Higher Consciousness. </p>
<p>Commit to excellence.  The rest is merely illusion and fear.  Freedom is an awakening.    Be prepared to be roused from your comfort zone of lulled sedation and habitual mind-sets of  &#8220;I can&#8217;t.  I&#8217;m trapped.&#8221;</p>
<p>Your natural state is one of happiness, health and abundance.  Are you cheating yourself out of the having the freedom to enjoy these qualities for some reason that doesn&#8217;t even have your full awareness?   Your refusal to confront your fears, leave your comfort zone or give yourself permission to alter your life is cheating you out of pursuing your dreams and having the universe manifest them in your life now.</p>
<p> If you don&#8217;t meditate,  begin.  You will find the strength within to decide you want inner freedom and joy.  You can begin with ten minutes a day sitting in a straight back chair or on the floor with legs folded trying to focus on your breathing.  Thoughts will gradually come to you from a deeper source other than the rational mind.  You will begin to tune in and feel at one with your higher consciousness.</p>
<p> When &#8220;monkey-mind&#8221; thoughts pop up to interfere with your meditation, just regard them as  clouds in your sky.  Say &#8220;thought&#8221; in your mind, and go back to focusing on your breaths.  In time, it will get easier,  and you will be able to meditate for longer periods of time and tune in more directly with your higher consciousness which has always been free.</p>
<p>A great hero of freedom who overcame severe obstacles to rise to become the first elected President of South Africa is Nelson Mandela.  Mandela was an anti-apartheid activist who was convicted on charges of sabotage, which really meant having the courage of his convictions.   He served 27 years in prison, 18 of these years on Robben Island, a very difficult place for prisoners.</p>
<p> Mandela was very angry when he went into jail.  He was furious over the lack of justice.  But in prison he mellowed and even became gentle and compassionate.  He  practiced forgiveness.   Most social and political thinkers believe he could never have become the political and moral leader he did if not for the suffering he experienced.</p>
<p>During his time on Robben island,  he and a group of other Black prisoners would be taken outside every Thursday.  They were then commanded to dig a six-foot trench.  When they finished it, they were then told to get into it.  The white wardens  then urinated on them.  Then they had to fill the trench and return to their cells. </p>
<p>When Nelson Mandela was about to be inaugurated, he invited these same wardens to his inaugural dinner.  The first time he sat down to break bread as head of state those same wardens were his guests.  He had freed himself from his anger and resentment.   Actually, because of forgiveness, he was free long before they opened the prison gates to let him out.</p>
<p>You have  the freedom to make your dreams reality.    Be committed to the path of freedom.  Stop using old  habits of thinking, interpreting  and responding to a life that no longer serves you.  Look at the world with fresh eyes.</p>
<p>&#8220;Set a goal to achieve something that is so big, so exhilarating that it excites you and scares you at the same time. It must be a goal that is so appealing, so much in line with your spiritual core, that you can&#8217;t get it out of your mind. If you do not get chills when you set a goal, your not setting big enough goals.&#8221;~<a href="http://video.google.com/videoplay?docid=-7386852872076769794#">Bob Proctor</a></p>
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		<title>Getting the Most Out of the Law of Attraction:  Understanding and Working With It</title>
		<link>http://www.winstonhenry.com/getting-the-most-out-of-the-law-of-attraction-understanding-and-working-with-it/</link>
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		<pubDate>Sun, 20 Sep 2009 04:24:49 +0000</pubDate>
		<dc:creator>Winston</dc:creator>
		
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		<description><![CDATA[What is the Law of Attraction? (LOA) The LOA is the most powerful law in the universe. It is simple in concept but practice is necessary. But once you &#8220;get it&#8221;, _ there is no looking back. The simplest definition of this law is &#8220;like attracts like.&#8221; _ Other definitions include: You get what you [&#8230;] <a class="more-link" href="http://www.winstonhenry.com/getting-the-most-out-of-the-law-of-attraction-understanding-and-working-with-it/">&#8595; Read the rest of this entry...</a>]]></description>
			<content:encoded><![CDATA[<p>What is the Law of Attraction? (LOA) The LOA is the most powerful law in the universe. It is simple in concept but practice is necessary. But once you &#8220;get it&#8221;, _ there is no looking back. The simplest definition of this law is &#8220;like attracts like.&#8221; _ Other definitions include:</p>
<p>You get what you put your energy and focus on, whether wanted or unwanted. The Law of Attraction is neutral.</p>
<p>All forms of matter and energy are attracted to that which is of a like vibration.</p>
<p>You are a living magnet.</p>
<p>Energy attracts like energy</p>
<p>What it says is; all your thoughts, all images in your mind, and all the feelings connected to your thoughts will later manifest as your reality. In other words; everything you have in your life now has been attracted to you through your mind.<br />
This means that both the things you are happy with and those you are not &#8211; are your own creation.</p>
<p>Most importantly it means from now on you can create your life consciously. You can start attracting only those circumstances that creates happiness for you &#8211; and leave out those you do not desire&#8230;</p>
<p>Being Guided by Feeling Good, Joyous and Free</p>
<p>Feeling joyous, free and just generally good is the key that unlocks your fortune in the universe with the LOA. All you need is to relax and have an intention. This means that you have a clear vision of the future which you are very clear about achieving or having it manifest in your life soon. You don&#8217;t need to know the details or how it&#8217;s going to happen exactly. It&#8217;s enough to know that you are clearly visualizing your desires and sending our the energy vibrations to attract those things in the universal mind which will cause them to be made manifest in your life. Know this and be at peace about it. Don&#8217;t allow negative thinking, worry or reaching too hard or too greedily to interfere with the flowing process.</p>
<p>Deep inner peace and joy will guide your attraction energies. When you are feeling these things, you will notice the good that currently is flowing into your life and you will pause and be grateful for it. On the other hand, constant fretting thoughts about how far away you are from reaching your goals makes you feel bad, which does not serve you well in using the LOA. Stick to visualizing the desires you wish to see made realities and focus on how you will feel when they are in your life. Don&#8217;t forget to feel the gratitude you will feel.</p>
<p>Remember to Be Grateful</p>
<p>Be grateful for what you already have when you are attracting more. If you wish more money, for example, pay attention to the money you already have. Focus on money coming into your life from earnings and unexpected money through winnings, gifts, windfalls, old insurance policy pay outs, rebates, found in odd places, etc. Don&#8217;t view it as money just for bill paying. It was unexpected, right? Have some fun with it and enjoy living abundantly. Buy yourself some gifts or buy some for someone else. This kind of prosperity consciousness is like priming the pump for more wealth to be attracted to you through the LOA.</p>
<p>Action and the LOA: Using Affirmations With the LOA</p>
<p>The relationship between action and the LOA confuses a lot of people. Are we supposed to be so relaxed and confident about receiving our desires that we do nothing but sit around and wait for them like we would wait for the mail carrier to bring our mail? You do need to take some action, but it needs to be the right kind of action, inspired action. That is action that goes with the flow. You are not struggling just affirming.</p>
<p>Once you have made your intentions clear, you need to set some time aside each day to affirm them. Repeating positive affirmations, and feeling them strongly as you say them, benefits you in several ways.</p>
<p>&#8220;As a man thinketh in his heart, so he is,&#8221; it says in the Book of Proverbs (23:7). Affirmations are short, positive thoughts that we program ourselves with to change our consciousness as well as our reality. They help the LOA work for you.</p>
<p>You can use the simple tool of positive affirmations to replace negative thoughts and beliefs to change your reality from negative to positive. An affirmation is a declarative statement, a reinforcing of a strong belief or something that you want to become a strong belief.</p>
<p>Positive affirmations are used in many religious, spiritual, intellectual groups to bring positive change. They help us reprogram our mind to expect and accept our desired goals. You attract the things you want in your life by repeating them regularly and with feeling. This occurs on the cosmic level, but the results are very real. New wealth is found, new health is experienced, more love does come into your life and much more. You get what you affirm.</p>
<p>Put some strong positive emotion into the speaking of the affirmation, even if you only speak it in your mind. Be passionate. Think how you will feel when the affirmation is 100 percent totally true. Be grateful for what is occurring as a result of the affirmation.</p>
<p>Visualize yourself and/or your friends and loved ones with the positive outcomes of the affirmations. See it clearly in your mind.</p>
<p>If negative self-criticism creeps in, substitute a positive affirmation that is appropriate for dealing with it. For example substitute, &#8220;I will never be self-supporting;&#8221; with &#8220;Life&#8217;s riches come to me as I require or desire them, and my life is wonderfully abundant.&#8221;</p>
<p>Don&#8217;t outline how your good should come to you. The universe is far more creative than you, and it will choose exactly the right channels to bring your good to you.</p>
<p>Create your own affirmations. Begin with the statement, &#8220;Today I choose&#8230;&#8221; Fill in a quality or entity that you want into your thinking. Repeat it during the day. Use it to guide your actions so they will be directed to your goals.</p>
<p>We build confidence and attain our dreams by using positive affirmations. We raise our vibrations to the frequency of the qualities we want to attract. Remember, in the LOA like attracts like.</p>
<p>Here are some examples of affirmations you may want to use:</p>
<p>I live abundantly and claim my good now.</p>
<p>I prosper everywhere I go because I love life.</p>
<p>I freely give my money and possessions to others with my love and goodwill. I<br />
have abundance.</p>
<p>I deserve all the abundance I receive.</p>
<p>I visualize powerful images of my good coming to me now</p>
<p>You can write your own powerful positive statements. Just be sure that they occur in the present and that they are positive and speak as though your good has been manifested.</p>
<p>Write them on 3X5 index cards and take them with you when you leave the house in the morning. Take them out and re-read them with feeling throughout the day. You will very soon notice positive action on them occurring in your life.</p>
<p>Pay Attention to Synchronicity</p>
<p>The LOA is constantly working in your life whether you are aware of it or not. If you want to experience more abundance in your life, you will need to harness its power in a more conscious way. Sitting around greedily dreaming about wealth beyond your wildest dreams doesn&#8217;t produce money in your bank.</p>
<p>Instead, you need to pay attention to the synchronicity that will appear in your life and inspire you with actions to take that will produce results. You might, for example, be inspired to attend a certain event that ends up altering the course of your life in a positive, lucrative way. You might &#8220;accidentally&#8221; bump into someone who turns out to be important in getting your plans moving. You might read something that grabs your interest and sends you down a whole new path that you never imagined but that you now know is right. This type of natural inspiration followed by the right action is how the LOA works.</p>
<p>Money Alone Doesn&#8217;t Buy Happiness</p>
<p>Remember always that money by itself doesn&#8217;t make anybody happy. Those who pursue money for its own sake either fail and stay poor, or end up having to suffer, compromise themselves and experience pain to get it. You need to focus on the good that money can bring you, and realize that money is simply a tool which will enable you to do the things you desire. With the right attitude, money brings happiness and fulfillment. The freedom and the power it can bring are a great blessing. Money is not evil in itself, but it will never lead to lasting happiness on its own.</p>
<p>The Universal Mind and the Subconscious</p>
<p>All the great spiritual teachers have said that there is only one intelligence, the Universal Mind, and we are each manifestations of that intelligence. Our individual minds are to the Universal Mind as a drop of water is to the ocean. They are made of the same stuff.</p>
<p>Our subconscious mind is the center where everything happens. It is open to conscious thinking, directing mind. At the same time it is open to the Universal Mind. Our conscious mind&#8217;s job is to think. Our subconscious mind&#8217;s job is to actualize those thoughts and bring them into reality. It does this by accessing the Universal Mind. Our thoughts and beliefs are the key to creating our life experiences.</p>
<p>We cannot control the process. We can work hard to achieve results, but we cannot engineer Universal Mind. All the coincidences, synchronicities, the people turning up in your life at just the right moment, all the luck and serendipities, all of that is the work of the Universal Mind. Let go and don&#8217;t try to manage the process or you will only get in the way. Let the universe handle the details.</p>
<p>Affirm your intentions in your thoughts. When you plant a seed in the ground, you don&#8217;t keep digging it up to see how it&#8217;s progressing. You just need to tend the soil, water it and it will grow. Just keep tending your intentions with positive thoughts, and leave the rest of the process to the Universal Mind working through your subconscious.</p>
<p>Esther Hicks claims that non-physical entities called Abraham speak through her, and that her teachings (referred to as Abraham–Hicks teachings) are based on this experience. The basic tenets of the teachings include that we create our own reality through our thoughts, that our emotions are constantly guiding us toward where we want to go, and that life is supposed to be fun. <a href="http://www.abraham-hicks.com/lawofattractionsource/index.php">Abraham Hicks</a> says that as soon as we believe something it is ours. Our most important work is remove the barriers which are preventing it from flowing into our experience. Abraham calls this the art of allowing. We do it by being open minded and feeling good. Bring an open mind and not a set of expectations. Always focus on feeling great.</p>
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		<title>Being Your Authentic Self and Not Settling For Less</title>
		<link>http://www.winstonhenry.com/being-your-authentic-self-and-not-settling-for-less/</link>
		<comments>http://www.winstonhenry.com/being-your-authentic-self-and-not-settling-for-less/#comments</comments>
		<pubDate>Sat, 19 Sep 2009 03:54:10 +0000</pubDate>
		<dc:creator>Winston</dc:creator>
		
		<guid isPermaLink="false">http://www.set4wealth.com/?p=16</guid>
		<description><![CDATA[Have you lied to yourself so that you could settle for what you think you can get rather than what you really want? Do you shut out the infinite abundance of this universe and trudge along unhappily to your job that you detest or your so-so relationship that you aren&#8217;t really satisfied or happy in? [&#8230;] <a class="more-link" href="http://www.winstonhenry.com/being-your-authentic-self-and-not-settling-for-less/">&#8595; Read the rest of this entry...</a>]]></description>
			<content:encoded><![CDATA[<p>Have you lied to yourself so that you could settle for what you think you can get rather than what you really want?  Do you shut out the infinite abundance of this universe and trudge along unhappily to your job that you detest or your so-so relationship that you aren&#8217;t really satisfied or happy in?  Do you ask yourself why you settle for &#8220;just okay&#8221; instead of an extraordinary life?  How much lying overtime do you have to do to yourself to try to convince yourself that everything is &#8220;just okay&#8221; when actually you are miserable?</p>
<p>How do you break out of mediocrity?  Many people don&#8217;t have the first clue how to do it, and they are also afraid to leave their comfort zone even if they&#8217;re not really all that comfortable in it.  At least it&#8217;s a known entity.   There&#8217;s nothing to be fearful about.  So they stay with the &#8220;good enough&#8221; standard for life.  </p>
<p>What about personal integrity?  Integrity demands that you get what you want and need in your life and stop pretending.  It means confronting the truth even if it creates conflict or stress.  Integrity and being authentic mean behaving in ways that are in harmony with your true personal values.  It means making choices on what you actually think, feel and believe, not what you would have others believe.  </p>
<p>We lose our authentic selves when we are living on someone else&#8217;s terms.  It is imperative that we are brutally honest with ourselves, know who we are, and live from that center at all times.  Otherwise we are miserable phonies living an inauthentic life of failure.  In that stance we mold ourselves to be who our partners, parents, friends, relatives and co-workers want us to be,  and we make decisions based on fear, need, and scarcity instead of on love, trust and abundance.  </p>
<p>When you live according to the dictates of your heart, life rewards you with your actual desires.  It is an energy drain to hold back from what you really wish you had.  You live a life of &#8220;should&#8217;s&#8221; and &#8220;have to&#8217;s.&#8221;  There is no balance, no flow and no creativity.  </p>
<p>Some people are so tragic that they don&#8217;t even know they are settling for less.  They are always trying to fill a void but they don&#8217;t understand why it&#8217;s there.  So they go about trying to fill the deep hole with loveless sex, drugs, alcohol, shopping, food, gambling or some other addiction. Sometimes these addicts get lucky (or blessed),  and end up in treatment and/or  a self-help program for their addiction.  The first thing they learn is that they must get real and stay real to defeat their addiction.  They are taught how to get honest with themselves by working the twelve steps of the recovery program.   They are urged to find a spiritual program and a higher power to turn to.  And, in many cases, miraculously, they become their authentic selves, admit they are powerless over their addiction, and work an honest program of recovery which requires them to know who they are and to act as that self each day.  </p>
<p>If you are inauthentic and living a lie,  and you aren&#8217;t lucky enough to develop an addiction, it may take years or even a lifetime until something happens that causes you to take an honest look at yourself and act on who you really are and what it is you really want.  Or it may never happen and you die a failure who never really lived at all.  You were only a cardboard cutout of a person who never did anything to rock the boat.  </p>
<p>Life is supposed to be about satisfying our dreams, passions and talents.  This is how we live enriching, rewarding and joyful lives.  Some people feel that to focus on those things is too selfish and self-seeking and that they need to keep their focus on their loved ones in order to be good people.  This is nonsense.  Good people are joyous, fulfilled people who can share their joy, peace and overflowing love because they have it to give.  We become better parents, siblings, adult children, friends, spouses and co-workers when we allow ourselves to be ourselves. </p>
<p>We need to face ourselves honestly, admit that we are living inauthentically, become as honest as we know how to be, honor our desires completely and never settle for less again.   Your true self has been waiting in your heart and in your soul for just this glorious transformational day.  You will find that it happens more naturally than you might think.  We learn to fall in love with ourselves and reflect that love rather than the lack we have been projecting for so long. </p>
<p>All areas of your life will change.  You will shrug off  decaying relationships in favor of healthy, vital and truly loving ones.  You will turn your back on failures and reach for successful living.  You may decide to quit that dead-end job you detest,  and start your own business using a talent or skill you had almost forgotten you possessed.  You may drop some sycophant friends that liked the way you conformed to what they thought you should be, and find some real friends who accept you as the very one you are.  </p>
<p>You will be able to set real goals that fit the real you, and take steps every day towards getting them accomplished.  One day you might surprise yourself by spontaneously writing a five-page list of current dreams in your  journal and believing in them all.  </p>
<p>You may take up new hobbies, interests, activities, routines and travel to places you&#8217;ve only dreamed about.  Nothing will be able to hold you back any longer once you come into being your one true self.  There is strength and originality in you that can be motivated to get dreams accomplished and goals met.   You may amaze yourself by your abilities to take the bull by the horns and to stop standing in the sidelines of your life observing.  You might join a new religion or spiritual group, study a language you&#8217;ve always been curious about or start skydiving.  </p>
<p>Your old friends won&#8217;t recognize you.  Good.  They&#8217;ll probably shun you for changing and causing them fear because you left their friend comfort zone.  Your family may initially wonder about you, and then when they see how much joy you have be happy for you and wish to take part in your new and exciting life.  </p>
<p> You are where you are supposed to be.  You can forever shut the door on regret and bitterness.  You won&#8217;t be missing out on life any more.  You will be learning and growing at a very fast rate.  You will be making up for lost time.  Following your bliss may take you on some lovely adventures and some surprising journeys.  You may go back to school,  start a group of some kind, become an activist for an cause, or learn new talents and skills that amaze you.  </p>
<p>And the only person you will ever again try to control will be yourself.  You will absolutely not be interested in changing other people, places and things to suit your needs.  Changing into a genuine person will have made you flexible and accommodating.  Your motto will be &#8220;Let Go and Let God.&#8221;  </p>
<p>Begin the transformation with inner work.  Take stock of yourself.  Journal daily.  Visualize a future that is in alignment with the authentic you.  Don&#8217;t worry about whether it seems possible.  Assume it is possible.  It&#8217;s an infinite universe and its gifts are abundance for all.  Forget preconceived judgments.  Drop your habitual way of viewing the world.  Use daily affirmations and believe what you are saying.  Use the Law of Attraction and stand back and let your desires  manifest for you in your life.  </p>
<p>Very soon you will begin to see brand new options that you never imagined before.  Then you will be in touch with your real  intentions.  Trust your instincts.<br />
Follow your hunches.  Talk to the universe and let it talk back to you.  Watch for signs of synchronicity which are just miracles that God doesn&#8217;t sign Her name to.  Discover what your values are and where your passions lie.  </p>
<p>Never give up.  You will discover your life&#8217;s purpose if you keep working on being as honest as you can be and practicing that honesty in all your affairs.  If your decision about what to do with your life doesn’t take advantage of the daily fuel of passion, then you’ve made the wrong decision.  Go back and try again.  You are supposed to love what you do all day even if it is called work.  You will soon find your role in the world.  You will know it and be at peace.  </p>
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		<title>Decisions:  Your Whole Life  Depends On Making Them</title>
		<link>http://www.winstonhenry.com/decisions-your-whole-life-depends-on-making-them/</link>
		<comments>http://www.winstonhenry.com/decisions-your-whole-life-depends-on-making-them/#comments</comments>
		<pubDate>Sat, 19 Sep 2009 03:06:05 +0000</pubDate>
		<dc:creator>Winston</dc:creator>
		
		<guid isPermaLink="false">http://www.set4wealth.com/?p=9</guid>
		<description><![CDATA[&#8220;Concerning all acts of initiative and creation, there is one elementary truth&#8211;that the moment one definitely commits oneself, then Providence moves, too.&#8221;&#8211;Johann Wolfgang Von Goethe If we don&#8217;t make up our minds and make a decision, then how can our higher power and the universe line up behind us and start the synchronicity needed to [&#8230;] <a class="more-link" href="http://www.winstonhenry.com/decisions-your-whole-life-depends-on-making-them/">&#8595; Read the rest of this entry...</a>]]></description>
			<content:encoded><![CDATA[<p>&#8220;Concerning all acts of initiative and creation, there is one elementary truth&#8211;that the moment one definitely commits oneself, then Providence moves, too.&#8221;&#8211;Johann Wolfgang Von Goethe</p>
<p>If we don&#8217;t make up our minds and make a decision, then how can our higher power and the universe line up behind us and start the synchronicity needed to make everything fall into place for a good manifestation of our desires?  It&#8217;s a simple question.  Indecision is a weak person&#8217;s game.  It accomplishes nothing.  It is a total waste of time and energy.  </p>
<p>Decision-making is a muscle we build with practice.  We make better decisions when we make more decisions.  How else can we learn to trust the still, small voice within and our rich intuition if we never let them out for a trial run?   Failure to make a decision is based on fear, doubt  and weakness.  It lets those negative characteristics paralyze us and keep us from moving forward.  It is no way to live.  You will never receive your desires at that rate or make your dreams come true.  You will not succeed in life.  You will only know failure. </p>
<p>Many fearful people use procrastination as a method of sabotaging their decision-making processing.  Here&#8217;s how you put an immediate stop to that.  Get a kitchen timer and put it next to you.  Now decide how long it reasonably should take you to make a specific decision you&#8217;re having trouble with.  Say fifteen, twenty, thirty minutes to come to a decision?  Set the timer for that amount of time.  Then weigh the pro&#8217;s and con&#8217;s knowing that you have within a deadline that you must stick to.  When the buzzer goes off you are  through.  What&#8217;s your decision?  Get in the habit of making all your decisions with the timer until you are a strong enough decision-maker to go without it. </p>
<p>There is also a solution that many spiritually mind people use.  It&#8217;s called &#8220;Let go and let God.&#8221;  And that&#8217;s all you do.  You give the decision to God or to your Higher Power in prayer or even simply say &#8220;Take It.&#8221;  Then you are done with it.  You become merely an observer,  and you watch which way things develop.  You will soon find out what the decision is.  Then go along with it and do the action steps,  and all will work out well.</p>
<p>Other people, risk-takers, suggest that when you cannot make up your mind between two courses of action, simply choose the bolder one.  It keeps things interesting and exciting.  No gamble, no gain they say. </p>
<p>The dictionary defines decision as &#8220;The act of reaching a conclusion or making up one&#8217;s mind.&#8221;  Another word for decision is choice.  One definition of choice is alternative.</p>
<p>We always have a choice.  Even if we feel we are being pushed into a corner and only have one option, we still have a choice.  You might not see it clearly that day or be fully aware of it at the time, but you always have a choice. </p>
<p> William James, the famous American psychologist said, &#8220;When you have to make a choice and you don&#8217;t make it, that itself is a choice.&#8221;  And that&#8217;s often a tragic one.  When you could have exerted your will to change a consequence and make it favor you, and you were too weak and fearful to do so it&#8217;s your loss.  Then you have to live with the unhappy consequences, and you have no one to blame but yourself. </p>
<p>Fear, uncertainty and doubt can back many a fine, but weak person, into a no-exit corner of non-resistance causing them to say yes when they wanted to say no.  </p>
<p>An example is buying a dress because your shopping companion said it would look good on you and you didn&#8217;t want to disappoint her or make her think that you didn&#8217;t trust her taste and judgment.  You ended up never wearing the dress, and finally giving it to Goodwill years later.</p>
<p>Letting a car salesman talk you into buying a vehicle that you didn&#8217;t really want because he went on and on about what a fool you&#8217;d be to pass up such a good deal.  It was just not the car you wanted.  You&#8217;re still driving it five years later, and you still regret buying it.</p>
<p>Staying in a bad marriage or relationship because you don&#8217;t want to be the one to pull the plug and create the scenes, the angry outbursts, and take the responsibility   for the breakup.  Also, you need the household money to live.  A better decision would be to get a job to support yourself so you could move out and start healing from the experience.  </p>
<p>Anthony Robbins, author and motivational speaker, says there are three decisions that control your destiny.  He says they are:</p>
<p>     *1.  Decisions about what to focus on.<br />
     *2.  Decisions about what things mean to you.<br />
     *3.  Decisions about what to do to create the results you desire.</p>
<p>If we don&#8217;t make these decisions consciously, we will pay a major price.   Your challenges today were no doubt created by some bad decision making prior to their creation.  That&#8217;s the way it works.  </p>
<p>Use what life gives you in the moment.  The universe and your Higher Power do look after you.  Synchronicity runs deep.  Check around and feel which way the wind is blowing.  Sniff the air.  Take a few deep breaths.  You just might find some signs to let you know which way to go.  </p>
<p>Just remember if you really are to succeed you need to focus on the long-term and not onimmediate gratification.  Be true to your highest personal qualities and on who you aim to become, not the moment of weakness you may be in presently and your lesser qualities. </p>
<p>When you decide to commit to long-term results and skip the short-term fixes, it&#8217;s as important of a decision as any you&#8217;ll make in your lifetime.  You may suffer financial, societal or great personal pain otherwise that you didn&#8217;t even see coming.  Always take the high road. </p>
<p>Remember the power of decisions:  They can change your whole life.  The hardest step in achieving anything is making a real commitment.  Learn from your decisions.  </p>
<p>&#8220;Life is either a daring adventure or nothing.&#8221;&#8211;Helen Keller </p>
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		<title>Secrets of the Millionaire Mind</title>
		<link>http://www.winstonhenry.com/secrets-of-the-millionaire-mind/</link>
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		<pubDate>Fri, 18 Sep 2009 05:44:43 +0000</pubDate>
		<dc:creator>Winston</dc:creator>
		
		<guid isPermaLink="false">http://www.set4wealth.com/?p=12</guid>
		<description><![CDATA[Here is a video by T. Harv Eker about the millionaire mindset. When I first set out to become rich, I picked up almost every famous book that I found with the word &#8220;Millionaire&#8221; in it&#8217;s title. T Harv Eker wrote the Secret of the Millionaire Mind and it contains all the necessary ideas to setting [&#8230;] <a class="more-link" href="http://www.winstonhenry.com/secrets-of-the-millionaire-mind/">&#8595; Read the rest of this entry...</a>]]></description>
			<content:encoded><![CDATA[<p>Here is a video by T. Harv Eker about the millionaire mindset. When I first set out to become rich, I picked up almost every famous book that I found with the word &#8220;Millionaire&#8221; in it&#8217;s title. T Harv Eker wrote the Secret of the Millionaire Mind and it contains all the necessary ideas to setting yourself to wealth in very plain and understandable language.</p>
<p><object classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="425" height="344" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0"><param name="allowFullScreen" value="true" /><param name="allowscriptaccess" value="always" /><param name="src" value="http://www.youtube.com/v/mcAGTYVYV48&amp;hl=en&amp;fs=1&amp;" /><param name="allowfullscreen" value="true" /><embed type="application/x-shockwave-flash" width="425" height="344" src="http://www.youtube.com/v/mcAGTYVYV48&amp;hl=en&amp;fs=1&amp;" allowfullscreen="true" allowscriptaccess="always"></embed></object></p>
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		<title>Your Dreams Are Meant To Be Realities:  The Power of Thinking Big</title>
		<link>http://www.winstonhenry.com/your-dreams-are-meant-to-be-realities-the-power-of-thinking-big/</link>
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		<pubDate>Fri, 18 Sep 2009 03:04:51 +0000</pubDate>
		<dc:creator>Winston</dc:creator>
		
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		<description><![CDATA[&#8220;I like thinking big. If you&#8217;re going to be thinking anything, you might as well think big.&#8221;&#8211; Donald Trump &#8230; Here is something you need to know about being able to think big: Our worst fear is not that we are we are losers and will fail. Our deepest fear is that we are powerful [&#8230;] <a class="more-link" href="http://www.winstonhenry.com/your-dreams-are-meant-to-be-realities-the-power-of-thinking-big/">&#8595; Read the rest of this entry...</a>]]></description>
			<content:encoded><![CDATA[<p>&#8220;I like thinking big. If you&#8217;re going to be thinking anything, you might as well think big.&#8221;&#8211; Donald Trump &#8230;</p>
<p>Here is something you need to know about being able to think big:  Our worst fear is not that we are we are losers and will fail.  Our deepest fear is that we are powerful beyond measure.  It is our light, not our darkness that most frightens us.  We don&#8217;t know if we&#8217;re worthy of all that success, prestige, wealth, power, love, and joy.  Here&#8217;s the thing:  You are worthy of all that and more.  And you can have it anytime you&#8217;re ready.  Be ready today. </p>
<p> Dust off those dreams or imagine some new ones,  and get busy making them come true.  Thinking big is the only way to travel through an abundant universe that is just waiting to give us all our desires when we request them.  If our thoughts haven&#8217;t let the universe know what we want, we can&#8217;t blame it for not manifesting our destiny.  </p>
<p>Can you move out of your squalid little comfort zone and start getting really comfortable surrounded by your heart&#8217;s own desires?   You know about the Law of Attraction don&#8217;t you?  You know it can&#8217;t work if your energy doesn&#8217;t pair up with that of what it is you want made manifest.  You must  think big and you must believe.  You are not merely wishing.  You are commanding the universe,  and it is waiting for your commands. </p>
<p>First of all, write down all of your big ideas/dreams.  Keep writing until you actually can&#8217;t think of any more.  Read them aloud with feeling.  Be positive about them.  Think of them in terms of already having received them&#8211;that they have all come true.  Think how you would feel.  Be grateful to the universe.  Share them with a trusted friend, life coach, mentor or advisor.  Never expose them to someone who will try to tear them down.  </p>
<p>Remember you must overcome your life-long conditioning.  We are all conditioned in this society to think small&#8211;to not expect anything so we won&#8217;t be disappointed, to not be greedy, to not think above our station in life.  We have been victimized by a puritanical way of thinking since the day we were born.  It&#8217;s time to dare to dream,  and to think like the child of the rich father in Heaven which we are.   </p>
<p>Do you know that some psychology researchers did an experiment where they put two classified help-wanted ads in the paper?   These ads were for the same job, doing the same work for the same hours.  One of them offered a salary that was many times what the other offered.  And imagine this:  About ten times more people applied for the lower paying job.  People think small.  They think that&#8217;s where they fit in.  This is why they fail in life.</p>
<p>Are you afraid to think big?  Afraid to be successful?  Afraid to be too powerful or too wealthy?   Do you prefer the dreams of these things to the real possibility of the reality of them?  Can you be committed to being rich, being successful, being powerful?  Can you work towards those things with everything you&#8217;ve got until they are realities?</p>
<p>Then set your goals.  Goals are how we apply overwhelming force to the process of obtaining the things we want in life.  You make a written plan and break it down into bite-size steps to use your intelligence, intuition, skills, talents, money, family, relationships, reputation, assets, environment, education&#8211;in short&#8211;all you are, to assist you in getting what it is you want. </p>
<p>You review these goals on a daily, or at the very least, weekly basis.  You step up progress where it needs to be stepped up.  You check off the steps you have completed.  Before you know it you will have completed your goals and attained some dreams.  </p>
<p>Always ask for more.  Life expands if we&#8217;ll let it.  Overcome your life brain-washing to want less, to be less.  That kind of thinking is a tragedy.  It leads to a wasted life.  There really IS enough to go around.  The universe has enough wealth, enough success and enough power to keep you and many, many others supplied with them.  It never runs out.  It just makes more.  And the beauty of it is that the more you get, the bigger of an inspiration you are to others and the more you can share with them.  The more you receive the more you can contribute and enrich the world.</p>
<p>You are a child of God.  Your seeking to be less than you are doesn&#8217;t serve God.  You are meant to manifest the glory of God.  Don&#8217;t worry about making others feel insecure.  Bring them with you by your example and generosity.  We each are meant to let our own light shine.  Remember it says in the Bible not to hide our light under a bushel basket? </p>
<p> Be free of your fears.  They serve no purpose.  They only concern the two days you can do absolutely nothing about:  yesterday and tomorrow.  For today be self-confident.   Have faith.  Think of the power of the universe which is made manifest in you and in your life.  Your freedom from fear liberates others from theirs.  You are a role model for those still living in fear.  Watching you live, they realize they can step into the light  of love and let go of their shackles.  </p>
<p>Remember to dream those dreams that come from thinking big.  Visualize them.  Affirm them.  Don&#8217;t seek validating from others.  Be willing to take risks and to step our of your comfort zone.  Write the dreams into goals and the goals into action steps you can take on a daily basis.  </p>
<p>Be cheered by the words of this man who who definitely thought big:  “It’s kind of fun to do the impossible.” &#8212; Walt Disney, Entrepreneur and Dreamer</p>
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