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1

Money, Money, Money


Hannah du Plessis Self Improvement/Self Improvement 2007-03-03
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Money is good. And in today’s world, money is essential. But very few people become wealthy. Just as an example, in his book: “You were born rich” Bob Proctor wrote:

“In 1923, at the Edgewater Beach Hotel in Chicago, eight of the world’s wealthiest financiers met. These eight men controlled more money than the United States’ government at that time. They included:

The president of the largest independent steel company; The president of the largest gas company; The greatest wheat speculator; The president of the New York Stock Exchange; A member of the President’s cabinet; The greatest “bear” on Wall Street; The head of the world’s greatest monopoly; The president of the Bank of International Settlement.

Certainly, one would have to admit, that a group of the world’s most successful men was gathered that place; at least, men who had found the secret to earning money.”

Now let’s see where these men were twenty-five years later:

The president of the largest independent steel company, Charles Schwab, lived on borrowed money for five years before he died bankrupt.

The president of North America’s largest gas company, Howard Hopson, went insane.

The greatest wheat speculator, Arthur Cutton, died abroad, insolvent.

The president of the New York Stock Exchange, Richard Whitny, was sent to Sing Sing Penitentiary.

A member of the President’s cabinet, Albert Fall, was pardoned from prison so he could die at home.

The greatest “bear” on Wall Street, Jesse Livermore, died a suicide.

The head of the greatest monopoly, Ivar Krueger, killed himself.

The president of the Bank of International Settlement, Leon Fraser, also died a suicide.

Each of these men learned well the art of earning money, but it would seem that not one of them had ever learned how to live the “rich life”, which was their birthright.”

It is stories like this one that have caused many people to say that money was bad; that money is the root of all evil.

Money is not the root of all evil. In today’s world, money has become extremely important. We cannot do anything without money. We can’t get food without money. We even buy water with money. In fact, that makes money the second most important thing in life. The first being the air we breathe, and that is free.

Unfortunately, most of us are raised with the wrong perceptions of money. We learn to be the servant of money, and that is what is natural to us. We always have to remember that we are either slaves to money, or the master of money. In fact if you look at all the rich people you know (or know of) you will find they have this in common: They are the masters of money, and they teach their children the same.

How can you become a master of money in stead of its slave? Here are a few ways to increase your money:

Keep 10% of everything you earn. This is where the path to becoming wealthy starts. You have to keep at least 10% of all that you earn. This rule is only broken by those who have no money ... and no, that 10% is not for holidays, a new car, a new house or anything for you. It is only to invest wisely so that it makes you more money. I can guarantee you that this is how the wealthy get their wealth. And if you are poor, the reason for that would be that you ignore this rule.

What you want to increase, you need to give away. So it is a good idea to give 10% of your money to charity.

It is also a good idea to develop a prosperity consciousness. This you do by becoming comfortable around money. You need to feel comfortable with it. The way to help you do this is visualise yourself as having a lot of money, and visualise yourself as being where you want to be and doing what you want to do and having what you want to have. If this is difficult, start by “giving” yourself a certain amount of money every day and then deciding what to do with it. Write it down in your diary or somewhere where you can work with it each day. On the first day, give yourself $1,000. Decide what you would do with it. On the second, give yourself $2000. On the third, $3,000 and so forth; every day you decide what to do with it. After a while you start going out of things to spend it on: How do you feel now?

That is Prosperity Consciousness. If you feel it, you will attract it.


2

Money


TB Wright Finance/Finance 2007-09-11
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TB


By, TB Wright

Money isn't what most people think it is, and that's why they don't have more of it. The one thing you have to shift in your thinking about money is the thought that it's static because it's not. Money is not like rocks, yet most people treat it that way. Money flows and money grows, and if you think any other way about it, then money goes. You most likely want the flowing and growing mindset about money. And that's just it: money is a mindset. All wealth is. I define wealth as an increase in anything that is important to you. Whatever wealth is for you, creating more of it begins with a mindset, a setting of the mind toward an objective. If you have a mind to create more money, you have to start in the mind first. This process is no different for any other wealth you wish to increase. Think about relationship. Did it come in a million dollar package the day it walked in through your door? I doubt it. You have to work at it, play at it, and most of all, set your mind in the right direction about it, and that direction is to always be in the flow of it.

Part of that flow is letting go. Can you hoard relationship? Of course not. Do that and it dies. Money is no different. Jealously kills the flow of money just as fast as it kills relationships. The wealthy don't hoard their money; they invest it. They let what money they have work for them to the point where, every few years, or sooner, their money doubles. Money, like relationship, won't increase if you squeeze it to death. Any thoughts of lack or fears of losing are akin to squeezing. Tight grips sink ships. I know all these little truisms sound cute, but they're true, especially when it comes to money. Because the fact is, money is a thought, a totally created human illusion as temporary as sand on the beach. Just go to the mint and watch them destroy millions upon millions of dollar bills each day simply because they have been worn out, and you can imagine the flow it takes to do that. Illusions are defined by Webster as that which is real but temporary. Once you grasp this temporal nature of money in a big way, the desire to grip it so tightly begins to loosen. That's when you see the impossibility of holding onto something that does not last. Yes, we can do it for a time, but becoming detached from any ideas of permanence with regard to money supports you in increasing it. Such detachment is the beginning of letting your money flow.

Think about it. Money is as fluid as water. What happens to a pond when you dam it up? All manner of bacteria and algae grow to the point where everything gets choked off. Money is no different. Dam up the flow, and there your money goes - into stagnation. Break the dam, and let the fresh water flow, and everything rejuvenates. Think about this, too: if you think about money as being static and only having so much of it, like anything else in this Universe, you always get to be right about what you believe. Is that what you want to be right about? That the amount of money you have is it? How's it going to grow then? How's it going to flow then? Would you want your relationship to always stay the same? To never grow? To never get more satisfying? I would venture to say that your answer would be a resounding "no" to that question. Then why do you treat money flow in this way? As if by holding tightly onto it, and not investing, somehow that will serve you. It doesn't. What it does is put you out of the flow and into stagnation.

The first question I am always asked is, "How?" How do I let go? What do I invest my money in? I always answer the same way, and I know this answer does not satisfy many, but that's just the nature of the truth. It is what it is, and in the discomfort of finding out about it, you will be propelled out of your comfort zone and into the success zone where more of change and more of increase happen. Because truth is, I have no idea how you are going to let go or any recommendations as to what to invest your money in so that it grows in the flow. Only you can come up with such choices, and that's as it should be. What I do know is how to commit to being in the flow with regard to money or how to commit to being in the flow with regard to any increase in wealth you desire in your life. I go over the exact procedure for setting and then flowing the energy of intention in The One Penny Millionaire!TM As always, the first step in that process is to take a stand for something. For more money. For an increase in your experience of love in relationship. For the perfect and right partnership. Because for whatever increase in wealth you desire, your commitment always begins the process necessary for your success. And it is always, without exception, out of such commitments that miracles happen. What your particular miracles will be, I cannot say. I can only say "Get out there and take your stand, the sooner the better." Why sooner? Because none of us are going to live forever, and accomplishment seems to be such a joyful way to pass the time for us human beings. Might as well begin to grow in the flow - and right now! You go!

Just in case you're beginning to think that I have no concrete "To do" suggestions to offer, truth is, I do have one. One of the most effective and useful ways to get in the flow with regard to the money mindset that creates wealth is to tithe. What tithing sets up is the mindset of plenty, and in that set of "having enough to give it away" thoughts, and in that abundant conversation, miracles of increased wealth happen. I have seen this truth in action so many times, I won't even try to explain why it works so well. I probably don't even really know why, only that it does. But I don't know how electricity works so well either, but that doesn't mean that I'm not willing to use its flow to my benefit all the time! You can do the same. If you think you can't tithe or that you don't have enough money, that's when you need to tithe even more so you can get out of the "I don't have enough" mindset and into the "I have so much I can even give away ten percent of my wealth and do better than ever before" mindset. Neither one is more right than the other one, or even better, but know that each mindset has its particular results. I just happen to like the miraculous results of the in-the-flow-mindset most of all! The one that produces an increase in my wealth. Now that's thinking with a wealthy mindset, the one you need to succeed!


3

Money Money And More Money


Calvin Joness Business/Entrepreneurs 2007-10-16
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When a market timer trading index funds such as the Rydex Nova Fund and Rydex OTC Fund makes a trading decision based on a news event, fear of losing out on a rally or of losing money in a sell off, or even the stock broker neighbor's trading tip, he or she is trading on emotions.
If you’re considering the possibility of making a good return from investing in the property market, renovation or buy to let are the usual options.
Forget everything you have read that says you can make easy money in the stock market, it is just not true, for if it was, we would all be millionaires by now.
The real secret to making money from penny stocks is to day trade penny stocks.
Throughout the centuries the rich have used real estate as a safe guard for their money and as an asset.
If you've ever thought about how you might be able to use an old collection to make a little bit of extra money, then read on... the information below is designed to get you on the right track toward realizing your dreams.
Learning how to invest in dxinone it's similar to the idea of driving a car: It's not indispensable to comprehend how it fully works in order for you to drive it succesfully.
For makeup of this subscription order card or coupon, simply start saving all the order cards and coupons you receive during the next month or so.
Making money in the forex is a matter of having accurate information and using it properly.
Based on my experience, and feedback from flea market vendors, I have come up with a list of strategies for making money at flea markets.
Depending on the type of products you sell, you could offer wholesale, place your items in resale shops, sell at craft fairs, auctions, schools, day cares or create a website.
The amount of money you risk is low because you can often negotiate a 90 day option on a $100,000 house for $10 ,The constants in making money are preparation, preservation and perspiration.
By using positively cash flowed real estate you can create your own wealth and live the lifestyle that others only dream about.

4

Money Surveys


Paul Schmitt Business/Business 2008-05-05
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People have been making some good money for years doing online surveys. Companies are always looking for people to take their online surveys. You may ask how can you make money taking surveys?

Many companies need a wide variety of feedback on opinions and taste from different people of all ages and all backgrounds. This helps them to research their products and services. They want to be able to do many things. One is to reach large audiences of people and to mold their products to fit people the best.

Surveys online have been paying people money for years. It takes you anywhere form five minuets to maybe 15 minutes per survey to fill out and send in. The key is to find money making surveys. Surveys that pay well range from $5 per survey to $25 and up.

Good surveys making money are the ones that pay you the most and cost you the least time. Once you find some good cash surveys you can start making some really good money right from the comfort of your own home.

This is nice because you can set your own hours. Spend as much or as little time as you want each day doing surveys online. Making money surveys can be found in many programs and e-books. I have found some very good ones that give you expert advice and map out the blue prints for you to find surveys making money.

I have placed some links off to the left side of this site where you can look over some really good books and sites that will help you get started in money making surveys. Check some of them out. These have been tested and work very well. You can start making money the same day you get started.

Some sites can take up a lot of your time but as you try different and new sites you will find which sites optimize your time to take their cash surveys. Some spend hours at the wrong sites only making a few dollars, while others are taking money making surveys every few minuets. This is were you make some good money for your time.

If you spend the time to find the right places and use the advice from the experts you will be successful taking surveys online. There are some sites they say they will get you started but only to take your money and run. That is why I have placed links on the left that are well known and reputable places to get started in online surveys.


Please visit some of my websites money.blogspot.com/ title=Surveys Making Money>Surveys Making Money and Cash Surveys


5

Money Management


paydaybank Finance/Loans 2008-01-29
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Managing your money wisely is an important aspect of everyday life. Your quality of life and well being is highly influenced by the amount of money pressures you may suffer. In order to reduce money stress one must make the right decisions. Having more money helps you build a happier marriage and bring up your spirits when things are tight at home and in life in general. Below are some tips for managing your money wisely:

Stop Financial Leakage- knowing where your money is going is important. Most of us know what it feels like to have our personal money dribbling away little by little. Therefore paying attention to our spending is highly important. Recording all expenditure for a set period of time is a good thing to so as to realize where your money is going. Be Prepared for a shock; Many people do not have a clue how much cash is spent on unnecessary expenses. Once you understand exactly where your money is going, you can curtail unnecessary expenses.

Build your own budget AND STICK TO IT. Design your budget or get a budgeting form free of charge off the internet. Creating a budget that will meet your financial needs deserves some effort. Remember to put some of your money away for reducing your debts and savings. This action may mean that you need to cut down on certain expenses in order to live within your budget. Once you remove financial stress via wise money management, you shall find out you are able to better your financial status over time. This is almost impossible when you are overspending without paying attention to where your money is going.

Make saving a main priority. On Each payday, try putting a small amount of money away in a separate savings account, prior to paying other bills. You will be amazed at how quickly the pounds accumulate.

These tips can help keep you on the right track financially. Nevertheless, we realize that unexpected expenses can always occur between paydays. When they do, you can turn to us at PaydayBank UK and get a short term payday loan to help make ends meet.

6

Money Mastery


Laurie Santos Self Improvement/advice 2007-11-20
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When I was a kid I was constantly told, "We can't afford that; we can ONLY get this; ask your dad if you can have that; you must save your money for a rainy day; start saving now for retirement." Don't get me wrong, I understand the intention of some of these messages and that they may even hold value for some folks but I also have learned that these statements can lead to potential financial paralysis.

By hearing those statements over and over again, I developed what could have been my Money Destiny. That Money Destiny led me to believe I would never have enough money, that I must always save and never spend, and that I was not financially safe. These messages repeated themselves in my mind every time I needed to make a money decision or anytime I thought about money. Soon thereafter I found myself resenting money and at times wanting to rebel against it. Thank goodness I realized one day that should I continue down this same Money Destiny road, I was destined to have just enough (not plenty) or none at all for that matter or worry about money constantly, and stay in the middleclass.

When I noticed how I was making decisions that would keep me in the same place and never propel me forward financially, I knew it was time to bust my old patterns, break debilitating money-habits, and create a new money system, a new Money Destiny. Doing this was going to take some mental, emotional, spiritual, and physical work, oh yeah, and finacial work as well! It meant I was going to have to stop listening to what I had been told all my years growing up as a child as well as stop playing the "tape recording" of these messages over in my mind. It also meant I was going to have to buck this old system every time it flashed before my eyes! My intention in sharing this article with you is to help you break down your conditioned mindset and build it up with a new one that actually works with you and not against you. This is a mindset that YOU are going to create, nobody else will be creating it for you. Isn't that exciting?

So what does mastering money look like? Mastering your money literally boils down to one thing: your mindset. Have you ever noticed that when your bills are paid off for the month and you have some extra "green" in savings, you are just bouncing around the planet like you are rich (even if you aren't)? However, on the contrary, have you noticed that when you don't have enough to make ends meet and you're struggling to figure out where the next dollar will come from to pay your rent or mortgage, you never seem to see the light? And, have you ever noticed that you actually decided, either consciously or subconsciously, which of those scenarios would play out in your life?

What I would like for you to do is sit for a moment and put yourself into both situations. First, visualize yourself in the moment when you have no money, nothing in the bank, in fact you may be in the negative. You're not going to be paid for another week and all of your bills are due yesterday. What is the first feeling that you notice? Desperation, anger, frustration, helplessness? Take a quick note of that. Now, go to the visual of having money in the bank, all bills paid off and in essence you feel free. You have extra money to do what you would like and everything seems to be going right in the world. Again, take note of the first feeling that pops up for you when sitting in this visualization.

Let's take an even further step. Picture that you are in control of both scenarios. You actually designate or choose which will happen in your life. And, you actually choose the same scene over and over again. Which do you choose? Do you choose the visualization with lots of money and financial freedom or do you choose the daunting visual? I venture to guess you wish to choose the one of Money Mastery.

The concept of Money Mastery has to do with having a destiny when it comes to money. Some folks actually are destined to be rich, middle class or poor. For most of us, we witnessed how our parents behaved with money, listened to things they said and then modeled after them. If our parents were rich, we figured as adults that we, too, had the right to be rich. If our parents were poor, we grew up thinking we did not deserve to have more money so we followed in the footsteps of our poor parents.

I am here to tell you that you don't have to follow in anybody's footsteps when it comes to mastering money except your own. Today, you get to decide your new Money Destiny in just three steps.

Step One: Change Your Money Talk-

As I stated earlier, mastering money has to do with your mindset so if you have been saying repeatedly, "I don't have enough money" or "I need more money" then I venture to guess you haven't had enough money for quite some time. So, I challenge you to begin saying(even if you don't believe it in the moment, trust me, you will learn to believe the following statements wholeheartedly), "I have plenty of money," or "I am grateful for the money I have," or "Money is a precious gift." These are simple statements yet extremely meaningful. These affirmations are packed with power! And here's why: when we hear ourselves say something, we generally believe what we say-whether it is good or bad-we believe it! Thus, if you are constantly saying, "Money is a precious gift and I am grateful for it," somehow your mind hears that statements and translates it into action. Before you know it you are taking action to have more money in your life or better yet, money is finding its way to you and you did not even lift a finger!

Do you see where I am going with this new verbiage? Positive thoughts become positive feelings which lead to positive actions that grant you positive results.

Step Two: Change Your Money Feelings-

If you feel badly about money all the time you will not get money in return or worse yet, you will spend it like water because you want to get rid of the bad feeling. Makes sense, right? Therefore, it is imperative to change your Money Feelings.

Here's an exercise: Take out a one-dollar bill. Look at it, in fact, examine it. Notice what you like about the one-dollar bill. Is it the color, the images printed on the bill or perhaps it is what is stated on the bill. I want you to find at least two things you like about the dollar. Now, sit there for a moment and FEEL what you like about it. It may help you to close your eyes and just be in the feeling, be in the moment. Now, think about what you can get for just one dollar. Maybe an apple, a banana, an orange. Maybe a pack of gum or two packs of gum even? You can give a tip to somebody after buying a coffee or you can get change for your one-dollar bill and put money in the meter to prevent getting an expensive ticket. Do you see how far that one dollar went? Did this give you a new feeling and new perspective about that bill? For what appeared to be a small bill it certainly turned into big things, didn't it?

The idea here is to constantly associate positive feelings with money in order to get more of it. Let me give you another example. I used to get angry every month when I had to pay the bills. I would say to myself, "I get so angry working so hard for my money only to turn around and give it over to somebody else." Then one day it dawned on me that I should be grateful that I have the money to pay the bills in the first place! Suddenly I reframed my thinking to state,"I make plenty of money to pay my bills every month." And believe-it-or-not, I no longer resent that time of the month when I have to pay bills and more money has been coming my way.

Step Three: Change your Money Behavior-

If when you get your paycheck and you turn right around and spend it then I am going to challenge you to pause for a moment and not take the same action. In fact, I am going to ask you to replace that action with a new action: Paying yourself first. What I suggest to my clients is that they take at minimum 10% of their paycheck and pay themselves first by putting it in a savings account, retirement account or money market account. What is better is if you can automate this so you never even see that 10%. These days, most banks or employers offer an automated savings plan whereby they take whichever percentage you desire and they put it into whichever account you want. This is a great way to begin paying yourself.

Now if you are the type who never spends a dime, I ask you the question, "What exactly are you saving for?" Don't get me wrong, I am not encouraging you to not save your money, but I am encouraging you get really connected to what exactly you are saving for. If you are saving in case of an emergency rather than for freedom, excitement, purpose, joy, or love, realize what will manifest is an emergency. My challenge to you then is to change the reason for your saving.

When we stop and really think about the phrase, "Money Talks" we realize just how truthful that is. What's important to note is that we have the power to dictate the conversation with and about money so that it is either a rich conversation full of financial freedom and joy or it is a poor conversation wrought with desperation, frustration and debt. Here, you have been given three powerful steps to Money Mastery. My question to you: Which conversation will you now be having?


7

MONEY MARKET


ts saraswathi Finance/Finance 2007-01-17
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I. INTRODUCTION

Money market is a market for short term loans or financial assets. It is a market for the lending and borrowing of short term funds. As the name implies, it does not actually deal in cash or money. But it actually deals with near substitutes for money or near money like trade bills, promissory notes and Government papers drawn for a short period not exceeding one year. These short term instruments can be converted into cash readily without any loss and at low transaction cost.

Money market is the centre for dealing mainly in short term money assets. It meets the short term requirements of borrowers and provides liquidity or cash to lenders. It is the place where short term surplus funds at the disposal institutions and individuals are borrowed by individuals, institutions and also the Government.

The money market does not refer to a particular place where short term funds are dealt with. It includes all individuals, institutions and intermediaries dealing with short term funds. The transactions between borrowers, lenders and middlemen take place through telephone, telegraph, mail and agents. No personal contact or presence of the two parties is essential for negotiations in a money market. However, a geographical name may be given to a money market according to its location. For example, the London money market operates from Wall Street. But, they attract funds from all over the world to be lent to borrowers from all over the globe.

II. DIFINITION

The money market is the collective name given to the various firms and institutions that deal in the various grades of near money.

III. FEATURES

The following are the general features of a money market:

• It is a market purely for short term funds or financial assets called near money.
• It deals with financial assets having a maturity period up to one year only.
• It deals with only those assets which can be converted into cash readily without loss and with minimum transaction cost.
• Generally transactions take place through phone i.e., oral communication. Relevant documents and written communications can be exchanged subsequently. There is no formal place like stock exchange as in the case of a capital market.
• Transactions have to be conducted without the help of brokers.
• It is not a single homogenous market. It comprises of several submarkets, each specializing in a particular type of financing. Example, call money market, acceptance market, bill market and so on.
• The components of a money market are the central bank, commercial banks, non-banking financial companies, discount houses and acceptance houses. Commercial banks generally play a dominant role in this market.

Objectives

The following are the important objectives of a money market:

a. To provide a parking place to employ short term surplus funds.
b. To provide room for overcoming short term deficits.
c. To enable the central bank to influence and regulate liquidity in the economy through its intervention in this market.
d. To provide a reasonable access to users of short term funds to meet their requirements quickly, adequately and at reasonable costs.

Characteristic features of a developed money market

In order to fulfill the above objectives, the money market should be fully developed and efficient. In every country of the world, some type of money market exists. Some of them are highly developed while others are not well developed. Certain essential features of a developed money market. They are as follows:

a. highly organized banking system
b. presence of a central bank
c. availability of proper credit instruments
d. Existence of sub-markets
e. Ample resources
f. Existence of secondary market
g. Demand and supply of funds

Importance of money market

A developed money market plays an important role in the financial system of a country by supplying short term funds adequately and quickly to trade and industry. The money market is in integral part of a country’s economy. Therefore a developed money market is highly indispensable for the rapid development of the economy. A developed money market helps the smooth functioning of the financial system in any economy in the following ways:

a. development of trade and industry
b. development of capital market
c. smooth functioning of commercial banks
d. effective central bank control
e. formulation of suitable monetary policy
f. non-inflationary source of finance to Government

IV. COMPOSITION OF MONEY MARKET

As stated earlier, the money market is not a single homogenous market. It consists of a number of sub-markets which collectively constitute the money market. There should be competition within each sub-market as well as between different sub-markets. The following are the main sub markets of a money market:

a. Call money market – The call money market refers to the market for extremely short period loans, say one day to fourteen days. These loans are repayable on demand at the option of either the lender or the borrower. As stated earlier, these loans are given to brokers and dealers in stock exchange. Similarly, banks with surplus funds lend to other banks with deficit funds in the call money market. Thus it provides an equilibrating mechanism for evening out short term surpluses and deficits. Moreover, commercial banks can quickly borrow from the call market to meet their statutory liquidity requirements. They can also maximize their profits easily by investing their surplus funds in the call market during the period when call rates are high and volatile.
b. Commercial bills market or discount market – A commercial bill is one which arises out of a genuine trade transaction, i.e., credit transaction. As soon as goods are sold on credit, the seller draws a bill on the buyer for the amount due. The buyer accepts it immediately agreeing to pay the amount mentioned there in after a certain specified date. Thus a bill of exchange contains a written order from the creditor to the debtor, to pay a certain sum, to a certain person, after a certain period. A bill of exchange is a self liquidating paper and negotiable. It is drawn always for a short period ranging between 3 months and 6 months.
c. Acceptance market – The acceptance market refers to the market where short term genuine trade bills are accepted by financial intermediaries. All trade bills cannot be discounted easily because the parties to the bills may not be financially sound. In case such bills are accepted by financial intermediaries like banks the bills earn a good and reputation and such bills can be readily discounted anywhere. In London, there are specialists firms called acceptance houses which accept bills drawn by traders and impart greater marketability to such bills. However, their importance has declined in recent times.
d. Treasury bill market – Just like commercial bills which represent commercial debt, treasury bills represent short term borrowings of the Government. Treasury bill market refers to the market where treasury bills are brought and sold. Treasury bills are very popular and enjoy a higher degree of liquidity since they are issued by the Government.


8

Money Leaks


Michael Folan Writing Speaking/ebooks 2007-12-30
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People are always trying to save money, especially with today’s economy. No matter what your reason for saving you will discover ways never considered.

The price of everything has gone up, requiring people to be more conscientious about money. The problem is that by the time the mortgage, car, utilities, and credit cards are paid, there is little money to put aside. Saving money is not that hard, just a matter of learning all the different options and being creative.

In addition to the obvious of putting money into a retirement fund or savings account, there are hundreds of ways to save money. Although some ways of saving may not seem like much, once you add them up at the end of the year, you will see how substantial the savings really are.

Keep in mind that saving is more than a single lump sum of money put aside. Saving is something found in your everyday life by the way you live and the choices you make.

Rome was not built in a day and neither will your bank account be. Each penny saved is one more penny than before. If you have the ability to save big, that is great. However, most people are not in that position, which is why this e-book will show you how little savings can add up quickly.

Be encouraged that it is never too late to start saving, regardless of your age. Set your mind that now is the time to start building your future.

For more ways to save money click here

For more great value ebooks visit ebooksdirect.eu


9

Manifesting Money


Lori Hamann Self Improvement/self help 2007-11-16
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Do you ever get the sense, that if you could just make more money, all of your problems would be over? Do you ever feel like money controls you, instead of you controlling your money? Money gives you things, yes, but more importantly it gives you freedom. Freedom to spend, freedom to have, and freedom to just be. You want money so that life can be and feel easier...You want money so you can have the experience freedom.

Isn't it funny...how we all want to manifest more money in our lives, (and not have to work for it!) - but so many of us hold to the belief that in order to have an abundance of money in life you must work very hard for it?! The key is, if you feel that you must work hard to create money, you will.

Isn't is funny- how we all want to manifest more money in our lives, so we will feel better about who we are - but so many of us hold to the belief that the rich are evil or stuck up? The key - if you feel negative feelings about those who create money around you, you will repel abundance and money away from you.

What is your dominant belief or feeling about money? What do you think you are "vibrating" or "resonating" about money? What are you putting out there? Are you inviting money to come into your life, or are you repelling it away from you? Have you been stuck in the same place for a long time?

Manifesting, or creating for that matter, can be explained in a few short steps. You ask, you receive, and you allow "it" to come into your life, whatever "it" maybe. Whether it's a new car, a relationship, health, or money - those are the simplified steps to creating anything you want in your life. You have heard the expression, "be careful what you ask for, you might just get it!" True.

So it may sound too easy and simple. We ask and we receive? Boom, just like that? Yes, just like that. What we struggle with is "allowing" the manifestation.

How do you hinder money from coming into your life? You hinder the allowance of money flow into your life with contradictory thoughts, beliefs and feelings. You say, "This year I will make $50,000. But, I want to (or wish I could) make $100,000 or more." Which of these projections do you think will manifest? So many times it is the limited belief that is manifested in life, because it holds the bigger focus for you.

By the Law of Attraction, what we focus on gets bigger. If you are focused on lack, you create lack. If you focus on abundance you create abundance. If you focus on nothing, you create nothing. If you focus on what is, you create more of what is. If you would like to consciously create in your life, it calls for a shift in focus. A shift towards what you want vs. what you don't want.

Here are a few tips to get you started - so that you may begin to attract the money that you would like in your life - so that you may experience the freedom you desire.

How to Increase the Flow of Money Into Your Life

1. Be conscious of the Law of Attraction: Abraham defines the Law of Attraction like this - "That which is like unto itself is drawn. " So what you are radiating and vibrating in your life with your thoughts, words, emotion and beliefs you will attract to you. Again, focus on abundance, get abundance. Focus on lack of money - and you will create more of a lack of money. Also remember that first you ask with your desire, you receive, and then you allow "it" to come into your life.

2. Say YES to money: Have you made a decision to have money in your life? Have you said YES to money? Remember that when you say yes to money, you include that in your vibration, and you will attract money. If you are saying NO to money - with your feelings, thoughts or beliefs, you will also include that in your vibration. Decide to say YES to money. Line up what you want with what you feel. Don't settle for what life throws your way - create your life just as you want it to be.

3. Consciously vibrate positive feelings about your money: As you think about your money, focus on what you have, vs. what you don't have. Allow what you "don't have" only to serve as a light in helping you to see what you do in fact want to create. Think positive thoughts about the money that you do have, see it growing, see it flowing in and out of your bank account with ease. See that you have enough, and that we all have enough. Come from a place that lack will only be our experience if we believe and project lack. See money as a wonderful source of energy that is a God given form of exchange. Get excited about creating money and feel good about it. Nothing is more important than that YOU FEEL GOOD when you are creating your life.

4. Be aware of where negative beliefs about money sneak up on you: Negative beliefs have a tendency to sneak up on you. Pay attention to your emotions - they will guide you. If you are not feeling good, check out your thoughts behind it. You may find a negative belief. If you find yourself feeling angry that someone makes more money than you, examine what your belief is. If you find yourself feeling sorry for another is not as prosperous as you, and you feel bad, examine that as well. Begin to unhook from negative beliefs through awareness, reframing, or shifting focus - which will allow you to flow your energy positively. Looks for as many positive aspects of a situation that you can possibly find. Write them down.

5. Make sure that what you want, and what you are vibrating, are the same: This of course ties in with your beliefs. People tend to have mixed attitudes that stem from greater belief systems, when it comes to creating money. You might say, "I want to create an extra $500 to pay for that seminar I want to take..." But then you might find yourself saying, "There is no way I am going to get that extra $500....or, I can't afford it....or, it's too much....or, I have no idea how to get it....or, it's probably not worth it anyway....or, or, or. Those beliefs or attitudes are in no way a match to what you actually desire - which is to go to that seminar. Can you feel the difference in the vibration even as you read the words? You make sure that what you desire, and what you are vibrating (about that desire) be in alignment.

6. Clean up your money clutter: When you clean up any space in your life, including you money space - you create space for more of what you want to come in. If you are wanting to create more money in your life, it is important to create space for that money! Pay your bills, pay those you owe, ask for payment for those who owe you, straighten your files, create a plan for your money, or handle your emotional issues around money. Remember that you will, as an end result feel clear. When you feel clear, you feel good (it's like cleaning the house). And when you FEEL GOOD, and are coming from a good place about your money, you will be vibrating a pure vibration which aligns you with what you want -- more money!

7. Love and appreciate your money: You may have had the experience, as you sit down to pay your bills - that you HATE to pay your bills. You see your bank account drain once again, and the fury builds from within. It's important to note that what you love and appreciate you will attract more of, and what you depreciate you will repel. If you want more money, match your vibration to what you want, and the best way to feel good about something is to appreciate it, and allow your self to love it. Society tells us that it is not ok to love your money -- in fact it's not right even to talk about it. Break the chain of societal beliefs about money.

8. Love and appreciate yourself: It was said before, nothing is more important than feeling good. When you feel good, and happy, and passionate, and peaceful, and aligned with you true self , the process of manifestation can begin! Part of self appreciation is honoring yourself enough to look within for the "answers". It is tuning into your inner self and your intuition. It is paying attention to your emotions. If you feel negative, then you are not in alignment. If you feel good, then your are in alignment with your true self and your desires. Self appreciation also comes from choosing your thoughts, beliefs, and feelings - and acknowledging your power as the creator of your life!


10

Saving Money:


Jennifer Burns Business/Marketing 2007-04-10
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Sometimes it gets so hard to control your money expenses, especially if you do not have a well-paid job. Approximately every second person on this planet has to struggle to live on a living wage, unless he/she is a millionaire and does not have to worry about tomorrow. It takes some time to get an experience in planning a budget according to your demands, though there are so many seductions in supermarkets nowadays. An abundance of foodstuffs and luxurious goods make us want a higher salary and a better way of life. But, trust me, if you do not learn how to plan your current budget, you will not be able to do it even having thousands of dollars available.
Until you are single, it is easier. What you need to do is to provide yourself with everything necessary. You can refuse a lot to yourself or choose buying something cheaper, but when it comes to marriage life, everything turns out to be tougher.
Family is a constant money-problem. Forget about your needs, especially if you have a coming up baby or grown-up kids.
First, define what you are going to spend the earned money on. Whether it is a summer vacation or your children’s education, start saving money now. Split your budget in 4 parts: money to be spent on food, money for public utilities, pocket-money (such as gas money or any other immediate spending) and the 4th part is to be saved and not touched at all! My advice is to deposit it at a bank, therefore you will even get some benefit out of it. Keep strictly to the set rules. Credits from the banks a forbidden, unless you have a firm confidence you will pay it back.
Just put yourself into frames and remain positive!


11

Money Matters


Mary Jo Shaffer Self Improvement/Self Improvement 2008-02-26
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MONEY...MONEY...MONEY

My bet is that just seeing the word "Money" big and bold triggered an emotional response in you. Take a second to think about it. What was your first reaction? Was it a flashback of someone telling you that money is the root of all evil; that money doesn’t grow on trees; that you have to work hard to get it; be dishonest or take unfair advantage of someone else? None of these are probably what you "think" about money. Honestly, most people's thoughts of money are that they want more (and I'm talking a whole lot more) of it. But the challenge is, if what you are thinking and what you are feeling are not a match, your feelings will win out every time.

It should not surprise anyone that money is such an emotionally charged matter, because money is essentially energy. Money is currency, or in other words, a current that flows from an exchange of talents, services or actions. However, the feelings of fear and negativity are co-creators of the barriers that build up and substantially slow or stop the natural flow of currency, money or abundant energy, into our lives.

Here's a tool that may help you "feel" differently about money. In her classic book, "The Dynamic Laws of Prosperity," Catherine Ponder tells the story of a salesman whose standard response to the "How's business" question was always "Business is wonderful because there’s gold dust in the air!" And for him there was. Because he said it was so, each contact resulted in sales and people always remarked of him, "Everything he touches turns to gold."

Everything you touch can turn to gold, too, if you "see" the gold dust that is in the air. Take a few moments several times a day and simply visualize gold dust surrounding you...well, like the air you breathe. Have fun with this. Feel its vibrant energy cascading over you, softly grazing your hair, faintly brushing your cheeks, covering your clothing, and collecting in your hands and at your feet. Squish it between your fingers. Wiggle your toes in it. Roll around in it. Make gold dust angels! Then when you are truly in that golden state of abundance, feel yourself overflowing with gratitude as you thank the Universe for your bounty.

Visualizing gold dust in the air allows you to accept the truth that wealth and abundance are accessible to everyone and that there is an unlimited supply of it. No one has to lose out. As a matter of fact, abundance is your birthright. The way life was meant to be experienced. You don’t have to work HARD for money, take advantage of anyone else or be evil to get it. Figuratively, all you have to do is open your hands (or a very large trunk) to collect whatever you want. See yourself doing just that and expect golden opportunities to open up for you. Expect that gold nuggets of wisdom to newfound wealth will be revealed to you, and they will.

We've created a Heartivations(tm) mini-poster that you can download free of charge to help you with the Gold Dust meditation that appears in this article. It combines words and art that speak to the Heart. Get your free download at our website, www.manifesting.us. Click on the Newsletter tab located on the left-hand side of the Home page and select the March 2008 Heartivations(tm).


12

Fast Money


Michael Comeau Business/Home Business 2007-11-09
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Millions of people are turning to the web for fast money. Many have gotten themselves into financial trouble and are over their head in debt, while others are looking to make some extra money so they can ensure they don't get into trouble.

Millions are people are searching in hopes of being able to get out of the day-to-day rat race. I can imagine people not wanting to sit in traffic for ours before they even get to their day job. That sounds really ugly, but millions to it every day in the big cities. At the time of this writing unemployment it at an all time low, however there are still plenty of people looking for work. The Internet is a great place to turn, because the cost to work at home is minimal and the learning curve is small.

You can see the desire by looking at the key word phrases being searched for on a daily basis. They are phrases such as fast money, make money fast, cnbc fast money, make money fast and easy, make money fast online and making money fast. This is only a few out of hundreds of requests.

The problem is many people just do a search and jump into the program that looks the easiest, pays the most and promised everything. I'm sure you can figure out what happens next. They either get scammed or they think they will make money without putting in any effort and it won't happen. That's why they call it work at home, because you have to do some work from home. The effort is normally far less than a day job, but you still have to put in some effort.

The reason why people jump so quickly is the need for fast cash. We are in what I like to call a microwave era where everyone want things fast. If you want to make some cash on the Internet it can be done, but you have to either do your research or use a web site that has done some research to ensure you are getting into the best possible programs.

There are many programs available whether it is Online Paid Surveys, Data Entry, Type At Home, Mystery Shoppers or Telephone Answering. This is just a few, but each one involves narrowing down your selections to just a few companies out of the thousands that are on the web. You must either use a web site or be able to spend hours researching or you are probably going to get into the wrong program. If you do the research one way or the other there is plenty of good programs, whereby you can make some really nice money on the Internet. You more than likely have the skill sets required to do any of the task required.

You probably already have most if not all of what you will need such as a computer, printer, access to the Internet, word processor and spell check. Please feel free to read more of this article by visiting my link in the resource box below. I always enjoy getting emails pertaining to my articles or my site. Your feedback is important to me.

13

Website = Money


Internet Business/Internet Business 2007-12-09
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Creating a website to make money online sounds great but there are a couple of key things you need first. It is better to be prepared than unprepared and then end up wasting your time and money.

Before you even start your website you will need to find a product. Now you can choose to create your own product, become an affiliate for a product already in place, or join an MLM company. If you are going to create and sell your own product, be sure you research your product before investing time and money. You need to figure out if there is a market available for your product, who your competition is, and who your target market is.

Now that you have your research done you can focus on building your website. If you do not have the tech skills to build a quality website, I would suggest hiring a professional to build website for you. Depending on who you go with this may be pricey. Look and interview as many different professionals as possible. Do not be afraid to negotiate what you are willing to pay with them. One other thing is not to spend all your money on the website, marketing your site is more important.

When your website is up and running you must do a couple of things. First, make sure to have your page optimized. After that it is time to drive traffic to your page. Driving traffic to your website is how you make money with your website. Having a beautiful webpage and the best product in the world will not make any difference if no one is able to see it. There are countless ways to drive traffic to your website ( way to many to cover in this article).

Creating a website to make money online will work as long as you work it. Once you have one website making money, the next websites will be a cakewalk. The first one is the toughest.

14

Website=Money


Eric Fields Internet Business/Internet Business 2007-05-06
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Creating a website to make money online sounds great but there are a couple of key things you need first. It is better to be prepared than unprepared and then end up wasting your time and money.

Before you even start your website you will need to find a product. Now you can choose to create your own product, become an affiliate for a product already in place, or join an MLM company. If you are going to create and sell your own product, be sure you research your product before investing time and money. You need to figure out if there is a market available for your product, who your competition is, and who your target market is.

Now that you have your research done you can focus on building your website. If you do not have the tech skills to build a quality website, I would suggest hiring a professional to build website for you. Depending on who you go with this may be pricey. Look and interview as many different professionals as possible. Do not be afraid to negotiate what you are willing to pay with them. One other thing is not to spend all your money on the website, marketing your site is more important.

When your website is up and running you must do a couple of things. First, make sure to have your page optimized. After that it is time to drive traffic to your page. Driving traffic to your website is how you make money with your website. Having a beautiful webpage and the best product in the world will not make any difference if no one is able to see it. There are countless ways to drive traffic to your website ( way to many to cover in this article). I give out a free course on driving traffic and getting leads for your business. http://www.leadgenerationworld.com

Creating a website to make money online will work as long as you work it. Once you have one website making money, the next websites will be a cakewalk. The first one is the toughest.

15

Smarter Money


Alex North Business/Business 2008-02-07
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So, you are looking into ways of making money on the Internet? - Aren't we all, and it seems very hard to find the winning strategy. I have a recipe for you,

Everyone trying to make money online is trying to make something, with nothing. This will never work for obvious reasons if you can look at things objectively. You have to have something to be able to make something. Simple as that. If you invented the Ipod, great, you are a millionaire 100 times over (they just sold their 100 millionth copy).

If Ipod was created by a new company as their first product, who would make the most money on the short term scale (less than 12 months)?

The venture capital companies or business angels that put up the core investment in the company to realize the product. Every company with a strong product must capitalize their company to get the first product on the market, and the VC companies makes a ridicules amount of money on seed funding and startups because they are the source of funds for the entrepreneurs with the product, the next cool product. The next 100 million dollar product.

So, am I saying that you have to figure out the next super cool product or service? No. I am saying you should try to get in on the VC level with your investments, since they have the largest leverage on the capital. If you buy a stock today, for $10 a share, and if it went up to $12, it would be great, but what if you bought the same stock for 30 cents and sold it for $12?

Well, it is not easy to be a VC, since it requires access to a lot of money, money we first must earn. But what if you got a chance to add a small investment to a pool that would do seed and startup funding, and take the gigantic percentage increase from the stock on your money directly?

Let's assume there is a company trying to get a funding of $3 000 000 for getting the product out there, and selling 49% of the company's equity for 30 cents a share, would you take the risk of a 3000 dollar investment to own shares in that company if the product and idea is good?

I would. And I did. On one particular investment I went from an investment of $4000 and made the exit at the IPO (when everyone else was getting in) I sold my shares for $2,5 each, and I bought them for 10 cents. Please count the percentage on that.

Yes, it is astronomical.

But how did I dare risk $4000 for a product that was only on the drawing table? It was easy for me, knowing the power of Internet and the marketing waves on the Internet, I saw an opportunity that was so good it had problems to fail. Well, you see, if the product is good, it will sell, and by understanding the product everyone that can think for a minute can take the right decision. Risk is higher but the reward ratio is much higher if it works.

Did you know that over 30 different VC companies turned Skype down, they didn't believe in the product. Skype had a very tough time getting the funds to develop the first versions. Skype was sold to Ebay for an astonishing $5 BILLION. What do you think the down turning VC's said afterwards?

Skype is a hype, it will blow over. It is crazy how much power the VC's do have since they are controlling the funds, and they do know each other so they talk to each other. The VC behind the Skype funding, paid about $1M for 30 % of the Skype Corp, and guess if they where happy when Ebay bought it.
But isn't there a significant amount of risk involved in early investments in companies? Sure, risk is much higher than if you left the money on the bank, or on the stock exchange. But you are looking into a way of making money, and to be able to make money you have to risk certain money to be able to succeed. Risk is somewhat similar to any business; will they make it? Will the product sell? Will it boom? What happens if it just sells and not booms?

The ground rule is, how many ways is it possible for me to make money in this particular investment? Is it all depending on one thing or do they have multiple income streams?

What about track record? They have none, the company is new, remember. It is all down to the product and its market. Why is everyone talking about track record anyway? It is of course risk reducing to get in at a later stage, but reward ratio is then lower. I like the risk, makes it fun, and sure, I would not bet my house, only small money, less then $10 000 for me. If you cant afford to loose the investment, do not do it.

Think of the product, is the product a good idea? is the market good? If so, then it is just a matter of your own financial capacity. You have to have SOME money in order to make an investment. A few thousand dollars should do it. And yes, if you only make one investment the first time, you have an exciting period ahead, when the progress reports are coming in, since you are a shareholder you will get information updates regular.

If it pays off good, if you can sell the shares for $3-5 each and bought them for less than 50 cents, please save at least 50 % of the profit before entering new deals. This is how you get rich over time. There is no getting rich quick thing, it all takes a lot of time and a lot of sense. Do the math and do not get in heavy (with all your got), save the profit and get a less risky investment with some of the profit and let some of the profit go to new equity deals in new companies with exciting products, on the right market.

I cannot recommend anything to you, but I can tell you the truth, it is impossible to make something out of nothing. And when it pays off, it is fun, you feel very light, very energetic and the sunshine around you makes your day beautiful.

If it doesn't pay off as planned, well you tried, and you do have the shares, most companies will come around so at least you get something back. And there are always new deals to consider. Do you remember the sum Mr Donald Trump was owning 99 banks when he crashed? It was billions of dollars. Where is he now? Oh yeah, he has a few billions in net worth again, and boy that man is a genius, or is he? What did he do? He took risks, thats all what it comes down to, take the right amount of risks and capital at stake, to do the deals that pays off the highest.

There is no secret here, it is common sense, risk and some money at hand.

Are you up for it?

There is even an opportunity for you to get shares, no money down, shares for free. Does that sound interesting? But you have instead of money down, work to do as a reseller instead. Your time for free shares.

Astonishing.


16

Easy Money.


Nathaniel Tabares Business/Business 2008-05-04
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Is it possible to make easy money? I have seen truckloads of pure hype about this subject out there. Still, most people ask themselves these questions probably on a daily basis: Could there be a reliable way to make money easier than how I am doing it? Could there be a way for me to quit my job and enjoy life as I deserve?

Well, the answer is YES and NO. Many times the opportunities are in front of us and we can't see them. Other times we choose with our decisions what we get. Everyone is different though. What may seem easy to you, may seem very hard to others. In my opinion there are certain professions or jobs, which require little effort and can help you earn a lot of money comfortably.

How can you define if you are making money easily? How can you tell your friends that your job is easy or hard? That's up to you! As I told you already everyone has a brain and everyone judges things differently. Bellow I enumerate the qualities that a business or job may have in order for me to categorize it as easy money.

1. You can do it from anywhere in the world.

2. You don't have to deal with people †̃face to face' or via a telephone.

3. You don't need to purchase anything to start.

4. You work only three hours per day or less.

5. Your clients come to you. You don't have to seek them.

6. You are doing something moral and ethical. People feel happy with you.

7. You are helping others succeed.

8. You can make a lot of money (thousands of dollars per week).

9. Other people do all the selling for you. You only pay them a small commission for each sale they generate.

10. You don't have to work every day. You choose your own schedule.

11. You don't have to organize merchandise within a room.

12. You don't have to physically deliver the products to your clients.

13. Other people could create the products and services for you, so you don't have to do that either.

14. Other people take care of your marketing campaign for free, so you don't have to pay them.

15. You don't have to rent real estate for business related purposes.

16. Since the beginning your duties are just to make sure that everything is running smoothly.

17. You can start with almost no money at all.

Now, do you agree with me that such a business could make you easy money? The problem is most people don't believe that such a business could really exist. Let me tell you that they are far from the truth. Remember that everything is easier on the Internet. There is no reason to make it complex. Starting your own online business is one of the best decisions you could make in your life!

EasyWebRiches.com © 2007


17

Saving Money


Carson Danfield Finance/Finance 2007-12-29
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At some stage you will want to begin saving money to cover costs that will be occurring in the future, however until you have paid off your debt that is costing you money in interest and penalties it is not wise to save money.

You need to reduce and eliminate your debt thereby cutting off the drain on your income that is required to cover the interest costs and by doing so you will be gaining a lot more benefit than trying to build up a surplus of funds in your account.

You will always earn less money from the interest of funds invested than it will be costing you for the interest you are paying on your debts.

Because of this if you were to save money and not pay off debts it would be a backward step as it is in effect costing you the difference between the after-tax interest you could be earning on your investment money and the full amount of interest that you are paying on your debt.

In addition to paying interest on your debt often you will be missing out on discounts for early payment of accounts and this is an additional 'saving' in effect that you will be losing out on by not making payments on time.

The best action you can always take is to reduce debt where possible unless that debt is associated with an income earning asset or something that you will make a capital gain on over and above the expenditure that you have to make on the interest by having that debt.

Once you have cleared all your debt then you can start thinking about making savings but it is not a good business decision to do that before the due time even though it might make you feel good.

Eliminate your most costly debts first, the rest of your debts second and then start saving your excess funds when all else has been taken care of.

18

Money Magnet


Leo Foster Self Improvement/Self Improvement 2007-05-26
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There is a simple technique you can use to start activating that Money Magnet inside you.

I will start by briefly repeating a technique that was explained in a different article. It will be for the benefit of those who never read it.

Then, I will present an alternative technique in case you have a subconscious barrier using the first method.

THE UNIVERSAL LAW OF ATTRACTION

In one of her books titled "The Dynamic Laws of Prosperity", Catherine Ponder stated something worth remembering, "The ungrateful never prospers'. According to the author, your ungrateful attitude is pushing abundance and prosperity away from you.

Do you take a few minutes every day to be grateful and thankful for all the good things you have in your life right now?

Most likely, NO. You are probably too busy focusing on what is wrong in your life and bitterly complaining about it.

You do not even begin to understand that, by NOT being grateful and thankful, you are becoming a REPELLENT to money, wealth and riches.

"How can that be?", you may ask. "What is really happening here? Why are gratitude and thankfulness mentioned by so many teachers, authors and lecturers?", you may be wondering.

The Law of Life is the Law of Belief, also known as the universal Law of Attraction. It simply states that "what you deeply believe will sooner or later materialize as your physical reality". In other words, you are creating your own reality through the beliefs you deeply hold in your Subconscious mind.

And as you keep resenting and FOCUSING on the things that you BELIEVE are wrong in your life, the universal Law of Attraction guarantees that you shall keep attracting more of the same. There is also another very little known law, the Subconscious Law of Multiplication and Expansion, which simply brings back to you multiplied whatever you FOCUS on and makes it expand into other areas of your life.

Now, it should be perfectly clear why 'The ungrateful never prospers". As these ungrateful individuals FOCUS mainly on what is wrong in their lives, they put into operation the universal Law of attraction, which keeps bringing them what they FOCUS on: the 'bad' stuff in their lives. And the Subconscious Law of Multiplication and Expansion makes those troubles, not only worse, but it makes those troubles expand into all the areas of their lives as well.

The persons who are thankful and grateful are FOCUSING their minds on what is good in their lives, on what is working alright. The universal Law of Attraction keeps bringing them more of what they FOCUS on: the 'good' stuff in their lives. And the Subconscious Law of Multiplication and Expansions takes care of multiplying and expanding those good results in all areas of their lives. BEING THANKFUL AND GRATEFUL makes this person a MONEY MAGNET as well as a magnet to many wonderful things and events being attracted to his life.

TECHNIQUE NUMBER ONE

Now, a simple technique to activate that MONEY MAGNET inside you is the following. It was explained by the late Jack Ensign Addington in one of his books. It was given to a man who was desperate with an ever increasing pile of unpaid bills and angry creditors hunting him all over the place.

As you are in bed, ready to fall asleep, implant into your Subconscious mind the idea of abundance by simply repeating to yourself, over and over again, with feelings but without forcing, the sentence "I give thanks for the abundance that is mine". You may modify it to "I give thanks for the abundance, wealth and riches that are mine". Or even "I am a money magnet. I give thanks for the abundance of money flowing irresistibly to me". Use the one that feels most natural, the one you can accept the most easily. Fall asleep gently letting this truth sip deeper and deeper into the depths of your own Subconscious mind.

As you wake up in the morning, spend the first 5-10 minutes staying in bed with your eyes closed and again repeating over and over the same sentence.

Then, as you go through your day, STOP focusing on things that you consider to be detrimental and no good in your life. Instead, keep mentally repeating one or several of the statements above. The Laws of Attraction and the Law of Multiplication and Expansion will take care of everything else.

Now, who or what do you give thanks to? That is your choice. Give it to God, the Universe, Life, The Universal Mind, Infinite Intelligence within you, The Quantum Field, The Creative Force, the Creator or whoever/whatever you believe to be the SOURCE of that abundance you are attracting to you using the power of your Subconscious mind.

TECHNIQUE NUMBER TWO

Even though the first Method is simplicity itself, some may find subconscious barriers to its use.

These barriers may manifest themselves as objections arising from the mind when repeating the statements in Technique Number One.

These objections could be "Come on, what abundance, what wealth?". "Nonsense. You are drowning with unpaid bills", "You repel money", "You never have enough money". and many others.

Those objections will make the use of Technique Number One very ineffective.

Therefore, you will be using a different TACTIC to go around the resistance of your Subconscious.

Instead of giving thanks for the abundance, the wealth, the money that are coming your way and that you are a Money Magnet, you will start being thankful and grateful for anything you GENUINELY can be thankful for.

Examples: Thank you for my great health and vitality.

Thank you for my great intelligence

Thank you for having a car

Thank you for having a roof over my head

Thank you for my parents, brothers, sisters, friends

Thank you because I have a job

Thank you because I have enough money to eat

Thank you for the wonderful lunch I had today

Thanks for my wonderful eyes (teeth, skin, etc.)

Make certain those are things you are GENUINELY thankful and grateful for.

Keep following Technique Number Two for several days. You may even need a week.

And then, SLOWLY and GRADUALLY, start ADDING the statements in technique Number One. Slowly, gradually I said.

What you did was to train your Subconscious to accept things that were going well in your life. And then, you started to SNEAK in a few of the statements in Technique Number One. And then, a bit more. And a bit more. Until a time where your Subconscious will start accepting those statements, they will be incorporated as part of your BELIEF system and the Law of Attraction will make you a Money Magnet and attract abundance, wealth, money into your life.

Practice these techniques for the next THIRTY (30) days and you will notice improvements in your life. These improvements will be gradual. They will get bigger and bigger, greater and greater as each day goes by. And you will be very happy you learned these very simple techniques.

= = = = = = = = = = = = = = =

Leo Foster. Leo is in a mission to make the process of being a Millionaire EASY and FUN. You may reach him at Millionaire Mind Secrets - Be a Millionaire, Money Magnet -- where he is involved in designing the best and fastest techniques and tools to identify/eliminate conflicting beliefs and download directly into your brain cells the Millionaire Mind of the super rich so that you automatically start to think, believe, behave and achieving like the super rich..


19

Managing Money


Finance/Mortgages 2007-12-17
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A good financial condition is necessary for a better lifestyle. Everyone wants to have a sound financial structure in present as well as for the future. All the hard work would be waste if you could not take care of the financial future. The future financial structure depends on how you stand financially after each passing year. If you are in a strong financial position than you were a year ago, then you are improving. But if there is no increase in your assets or you does not earn more than before then it is time for some retrospection. Such situation demands to take stock where are you now and where you want yourself in future. You need some enhancement in your financial standings.

Most of us are so busy to put things in order. There is dearth of systems to handle this important area with ease. All the paperwork is disorganized and stored somewhere in the corner of the house. We don’t have any idea about how to spend money and no plans regarding financial future. The need of the time is to organize your personal life unless you could not know how to do it. Don’t leave your work for some other day.

- Keep a filing system to store all the paper work.

- Make categories for different things such as bank, car, medical, home, Insurance, investment, tax and so on. Take a little responsibility in organizing direct debits for regular bills.

- Maintain a diary to look up and remember things. To keep tabs on your money check your bank accounts weekly.

- There must be time to check your personal affairs weekly. Educate yourself well by attending seminars and reading books on information regarding wealth creation. Knowledge makes easier to take decisions and actions about wealth.

- You could also take advice from professional advisor or proactive accountant in terms of wealth creation.

- Ensure that you have adequate cover for all your insurances policies and you are getting enough value for your money.

- Keep maintaining of your income and expenses to know where your money goes exactly. The financial future and how you organize those must be at the top of your priority. Education on how to organize your hard earned money for a secured future must be top of your agenda. You must be take interest in shaping your financial future; no one else will be interested in your future. Take control of your present situation and it will take care of your future.

20

Healthy Money


Patrick Roberts Spirituality/spirituality 2007-11-14
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Patrick

In Christ we can press on past the supposition that giving money is, all by itself, a spiritual accomplishment. The truth is that giving money does not necessarily accomplish anything in God's kingdom... oftentimes, it's even a hindrance to God's spiritual goals.

Since we are unable to accomplish anything spiritual by ourselves, we depend on Christ to work out every spiritual accomplishment on our behalf. (This truth, by the way, should eventually discourage all our religious activities in general). We will take a step in the right direction when we quit trying to feel better about ourselves by giving money.

If we have money, let's surrender it to God for His kingdom use. Our place is to trust Him, that He will use us however He sees fit.

In the mean time, be encouraged that there is no such thing as one part of God's kingdom contributing spiritually whilst another hangs limp and paralyzed. This is all to God's credit, because He is dauntlessly faithful. No matter what our circumstances, His Spirit will teach us our genuine, spiritual contribution to His kingdom. And, until we let go of ourselves, so that Christ is our singular, solid Foundation, He will continue to be the fresh, cleansing Water that soothes our searing sin.

Driving home from an exhilarating little conference where they listened intently to a missionary about the great wide-world, the aforementioned audience gathers themselves for another busy workweek. Now that they've done their duty and given money to the kind-hearted missionary, it's back to the real world of busy bread-winning.

Well-meaning missionaries or churchy speakers do their best to put things in perspective using big monetary figures versus small ones, or visa versa. And the average churchgoer feels satisfied with these big and small figures. These are things that the working-class westerner can relate to. However, there is a subtle message that continues to soak into the minds of these audience members as they drive home. This message is destructive to God's kingdom because it belittles God's Spirit, glorifies money and discourages the sincere Christ-seeker.

By their actions missionaries and churchy speakers say, "Cut your check and your work is done." Churchgoers whose unit of measurement for everything is the dollar might think to themselves, "Ten percent is pretty good, but I gave fifteen percent this week!" Thus, church folk can feel better about themselves. Consequently, missionaries and churchy speakers feel good for making their supporters feel good. Both parties work together to accomplish a common goal, which is to quench each other's consciences and feel good.

In this way, mainstream church-leaders are employed by a church-system that encourages spiritual lethargy in most of its adherents in order to pave the way for the religious aristocracy to accomplish all the "real" spiritual work. Such thinking says, "That comfy little world you churchgoers live in works for me, so long as you keep your monthly pledges rolling in."

This error is subtle because it embraces pseudo-obedience as a whole church. Yet it is gobbled up by fleshly westerners because it seems practical to them. For every westerner who says, "Tell me what to do and how much it's going to cost," there is a church somewhere to answer. This is task-driven religion, where it doesn't matter how our weekly duties get done, so long as they get done.

This also goes hand-in-hand with daily-planner-faith, where churchgoers narrow their obedience to God down to fulfilling their churchy agendas. Hectic, religious absent-mindedness is practical for Sunday-morning Christians who have no desire to be left in a room alone with God.

However, we westerners still have every reason to be encouraged in Christ. He is not impressed with either an excess or lack of wealth. Nor do religious money-handlers thwart His kingdom goals. He will clear all distraction out of His Father's house one way or another. Nor does He worry when His disciples' stock of bread and fish runs low, even when there are thousands of hungry people to feed. But Christ is invariably successful in addressing these issues because, above all, He remembers the preeminence of God's kingdom. First He remembers that God is great, then He attends to this other detail, which is a lot of needy people standing all around Him. Jesus Christ effectively cares for and fulfills people's little concerns by placing these concerns second to God's priorities.

Please be encouraged, hopeful seekers, that with man it is impossible, but with God anything is possible. He is in the business of picking self-centered people out of their down-spiraling patterns of self-indulgence, for no other reason than because He is great. Don't overcomplicate things. Just ask. Christ is God's Way to every possibility. Be encouraged not by your imaginary ability to tell the future, but rather, be encouraged by God's unalterable Truth. If you are God's, then you are His unique workmanship, created to carry out the work that He knew you would do before you were born. Put your confidence in Christ, who is saving and purifying a people for His own heavenly purposes.

As for "having money" or "being blessed with wealth," these things will never be the ultimate end of any of God's children.

By God's Spirit we can move on from the unconstructive, short-sighted discouragement that plagues westernized Christendom. So long as we set our confidence in Christ, anything will be possible. He will humble us and re-teach us in all the areas that we presume to have Him and His kingdom figured out.

Christ continues to be our Motivation for casting aside all our miniscule self-images along with any dependence on anything that isn't Him. As we continue to depend on Christ, we will be transformed into His likeness.

I don't want to inspire greater pride in our heritage or anything else that might distract us. I would rather spur people toward exploring their heavenly citizenship in Christ. Nor am I trying to throw a pity party for Americans or any westerners. In Christ we can cast aside all these childish things.

By God's grace, we can look forward to heavenly glory in the next life while we expect nothing more than the cross in this one. As we obey our heavenly Savior, we can expect at least as much difficulty, rejection and suffering as He endured during His physical stay on earth.

We will get to know an indescribable quality of joy in Christ, superior to all the fame, money and instant gratification that this world has to offer. And we will share in Christ's joy as we faithfully obey Him. We can walk exclusively by whatever strength His Spirit supplies, bearing necessary hardship for a brief time, however long this life lasts.

by Patrick Roberts

This is an excerpt from To the Church of the West, Scattered Throughout the World. Find this book and similar articles at www.BooksByPatrick.com


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