Letter from Bob Proctor - Money is not the Goal

Hi Friend,

One of the key concepts to creating wealth is to understand that
money is not the goal. That's right, I said, money is not the goal.

Frequently people will tell me that they want to make money.
However, I know it is not money they are really after. It is the
things that money can buy and the freedom of time to do what they
really want. While you may think this is an insignificant
difference, it is actually the reason so many people never become
wealthy.

Most of us were taught throughout our childhood that the whole
point of making money is to sock it away and build our own 'nest
egg'. We think of this as a type of insurance against bad fortune,
accidents or old age when we can no longer work. The wealthy know
that money only works when it is in motion - not when it's sitting
in a bank account. You must understand that wealth is an ongoing
journey of growth and circulation and if that circulation is
stopped, then the flow of money will cease.

While it may seem that there are many roadblocks on your journey to
wealth, the only real obstacle is what you believe, think, and feel
about money. Most of us were raised with the cliché "Seeing is
Believing" which is a skeptical and negative view of life. Still,
we hear it our whole lives until it becomes a part of our thought
process without our even realizing it. Wealthy people understand
that this cliché is exactly backward - you must believe in what you
can achieve before you will see it happen in your life. They know
that "Believing is Seeing." The only thing that separates a
millionaire from you right now is a wealthy mindset and the
foundation of that mindset is belief.

Does this mean that the wealthy have some special skill or
knowledge? No - but they do possess some key characteristics that
help them become wealthy.

The first of these characteristics is a willingness to listen to
their own heart. If you could become wealthy by listening to the
masses, then the masses would be wealthy and they are not. It is a
natural tendency to ask the opinions of those we love or respect.
Unfortunately, we listen to their comments and biases not taking
into account the results in their own lives. We make a decision to
listen based on our emotional attachment rather than by looking at
what they have achieved. How can anyone who has not accumulated
wealth advise you on how to do it? They can't.

A second characteristic of the wealthy is the ability to act when
opportunities present themselves. Opportunity is often imagined to
be something that you can't miss or pass up. However, I know from
personal experience that opportunity is often only a whisper that
comes during some of the most trying times of life. If you read the
life stories of very wealthy and successful people, you will
frequently find they were fired from jobs, kicked out of school or
dealt with significant personal tragedies that other people would
view as devastating. Instead, they viewed the challenges as
opportunities and prospered.

The wealthy also understand that wealth is an ongoing process. It
is not a destination you arrive at one day and then stop. It is
also rarely accomplished overnight - although it can occur in a
short period of time. However, if you gain wealth before you have
gained a wealthy mindset then you are in danger of losing that
wealth forever. We have all heard of those that win the lottery
only to be near penniless a few years later. Since they were  never
taught to think wealthy, they have very little chance of achieving
wealth that lasts and ultimately they lose what money they have.

Those with a wealthy mindset do what they love - and make money at
it. Often I see individuals who are seeking wealth like it's
something outside that they have to search for. In reality, wealth
exists within you. You have activities and hobbies that you love
and you can make these into your business if you choose to. Those
who are successful and create a great deal of wealth do so because
they are doing something they love. The money follows and is just a
logical result of them realizing their dream. Money is not the
dream.

Whether you grow up in the worst circumstance or have every
advantage, you have the exact same potential inside of you to
create the life you want. No matter how many times you read or hear
someone talk about how to become wealthy, your life will never
change until you believe that it can - Believing is Seeing.

To your success,
Bob Proctor

Change your attitude, change your life.

Famous pastor and author Charles Swindoll says, " this may shock you, but I believe the single most significant decision I can make on a day to day basis is my choice of attitude. When my attitudes are right, there is no barrier too high, no valley too deep, no dream too extreme, no challenge too great for me."

A Morning Prayer

Oh Holy Spirit, at the beginning of this day, take away all burdens from my heart and fill it with joy.

The Debt Sentence

JUST what does the statement “Crime does not pay” mean?

“Crime doesn’t pay” is focused on the risk involved in “crime.” If you involve yourself in criminal activity, there is an inherent risk in getting caught. The higher the payout of the crime, the higher the risk of getting caught. Consequently, the higher the sentence.

Therefore if you get caught “crime doesn’t pay.” Simply put, lawbreakers do not benefit from their actions, and they always suffer the consequences later. In fact, most of the criminals get caught at the time they are nearing their golden years. The ironical thing is that due to the degree of the crime they committed, they are given life imprisonment (reclusion perpetua) or even worse, the maximum penalty which is the death sentence. Examples of heinous crimes that are punishable by death are illegal drugs trafficking, and murder,

What if the crime of a person is non payment of his debt? Is there a punishment? Sad to say there is none as of now. There is no one who has been imprisoned for not paying his debt. There are stories of people getting killed over unpaid debt. There is truth to the adage, “Debt is death to those who mismanage it.” Once I overheard one statement that goes like this, “Debt sounds like death. It might be the cause of your death.” Actually, the Bible has this to say:

Psalm 37:21 “T he wicked borrows and does not pay back, but the righteous is gracious and gives.”

If there is a death sentence for heinous crime against a fellow human being, there is also an equivalent penalty for no payment of debt to the creditor. It is the debt sentence.  The most accurate description of a penalty of being a debtor is found in Proverbs 22:7 “The rich rules over the poor, and the borrower becomes the lender’s slave.”

This makes sense. Years ago, a friend in need approached me and borrowed money. When it was time to pay, he was always nowhere to be found. He mysteriously disappeared. Then I realized I had power over him. He was afraid to see me face to face. Even if he is not physically my slave, mentally, he has become a slave not to me but to money. His fear of facing me has become his punishment. Worse, he just destroyed in just a short period of time the credibility he has built over the years.  The consequence of his action exceeds the value of the money he owed.

One of the most common personal finance crimes is to use the credit card and pay the minimum amount due. Credit card is a good financial tool. Used properly, it can be your slave. Abused properly, it can be your biggest problem. It is highly possible that majority does not know how credit cards can work against them. Innocence of the law excuses no one. The same holds true for personal finance.

Let us say the debt is P10,000. The minimum amount payable is P500 and interest pegged at 3.5 percent per month on the balance. Without considering other fees, it will take 33 months and P16,400 to pay off the original debt. Including the other hidden fees will result to a lifetime payment (like life imprisonment) and a never-ending accumulation of debt due to it’s compounding effect.

Most of the time, when people borrow money, they have a bad habit of using their home as collateral. According to Proverbs 22:26-27 “Do not be a man who strikes hands in pledge or puts up security for debts; if you lack the means to pay, your very bed will be snatched from under you”.

This verse makes perfect sense. I had a friend who loans out money in exchange for real estate property as collateral. Often times, the borrower would default on his payment. Then later, the borrower will be ejected  after the court judged in favor of the lender. The borrower has no choice but give up his property and look for house for rent. Instead of saving more money, he will be renting his shelter for the rest of his life, which is also equivalent to life imprisonment.

The penalty for committing a crime depends on its degree. The higher the degree, the bigger the punishment. However, all of the penalties translate to one thing: loss of freedom. With debt, one also loses his financial freedom. He will always be running after money to pay his debtors. He will, apparently be the perpetual slave of money and also of his debtors. If innocence of the law excuses no one, then the only solution to avoid the debt sentence is not to be financially innocent . If crime does not pay, then it pays to invest in financial education!

Edmund Lao is a Registered Financial Planner of RFP Philippines. To learn more about personal financial planning, attend the RFP program Batch 29 on October 13 to December 8. For more details, please e-mailinfo@rfp.ph or visit www.rfp.ph.

source: http://www.businessmirror.com.ph/home/banking-a-finance/31896-the-debt-sentence

God does not.....

In life, God does not give you the people you want.  

He gives you the people you need.

To teach you.
To hurt you.
To love you.
To make you laugh, and to make you exactly the person you should be.

Be fully enlightened .

Our Blessings...

“Our real blessings often appear to us in the shape of pains, losses and disappointments; but let us have patience and we soon shall see them in their proper figures.”

~Joseph Addison

GOD is good........

We are not supposed to always understand why certain things happen.  
We don't have to always know the reasons why GOD allows somethings to take place.

All that HE asked from us is to trust HIM completely and let HIM be in control.

GOD will never fails us.

Not now.
Not ever.

GOD is good and great all the time

Take my yoke...

Take my yoke upon you and learn from me for I am gentle and humble of heart, and you will find rest. ~ Matthew 11:29

Trust GOD...

We are living in a fast changing world, but in this world we can be secure in the knowledge that GOD is in control.

Trust GOD always.

Never.....

Never ever grow tired of living your life...
Never ever quit on moving forward..
Never ever ever stop running..
For you never know how many persons are looking up to you and see you as their Inspiration in their own respective lives...

Keep on moving...
Keep on flying, 
Keep on inspiring...
Keep the fire burning!