Sunday, November 1, 2009

Loser's Secret For Success

An Ex-Loser's Secret For Success

Source: Business, May 30 1993 SUNDAY STAR

THESE Days motivational specialist are a dime a dozen. You can't throw a stone without it landing on someone claiming to have the keys to success, happiness and vast riches.
Bob Proctor and John Kanary, however, are the originals, beginning their work in the early sixties.

Proctor in particular has been extremely successful, worth earnings of excess of US$1 million (RM3.8 million) a year, and contracts with some of the largest corporations in the world, including in Malaysia, Prudential Insurance, AIA, and MAA.

Another distinguishing characteristic of these men is that they have an established relationship with Malaysia, opening a Kuala Lumpur office four years ago which serves as a centre for the entire South East Asian region. They also have a Johor office, and are planning to set up offices in Penang, Kuching and Sabah.

With this in mind, GREG BRUNDAGE met recently with Proctor, to find out a little about the man behind the success, how he got to where he is, and why he did it.

was in the late 1950's, a loser. After dropping out of high school and completing four years in the navy, he drifted from one job to another - bars, factories and other things of that nature.

" I wasn't the most ambitious employee so I had a lot of jobs, "
He says.
" Then one day, I was working in a firehall (fire station), and I met a man who saw something in me I obviously didn't see in myself, and he got me to stop and take a look at what I was doing - what I was doing with my life. I was going nowhere; I was going backwards. He suggested that I should change it. It had never entered my mind that I could. "

" He asked me what I knew about myself and I came to the conclusion after a few questions that I knew just about nothing about me.

" I've since come to the conclusion that most people don't know about themselves. You go right through the educational system and learn nothing about yourself. "

" He pointed out that if my car wasn't working, I would do something about it. So, if you're going to fix yourself , (you) better know I read Think and Grow Rich by Napoleon Hill. "

Proctor went on to say that he found a secret in the book, and that was to write what you want to accomplish on a card and carry it in your pocket.
Then he says:
" I wasn't the happiest guy in town, or the healthiest, and I was in debt. I wasn't too interested in happiness or health, but I was interested in money."

"I went from earning about US$4,000 a year to earning US$175,000, and then I turn it into more than a million. "That's a phenomenal change and I couldn't account for what had happened. I had given the book to other people, and they didn't change.

"Earl Nightingale (another pioneer motivational speaker) in the 1950's of Chicago had read the book, condensed it and produced a record. I started to listen to the record. I thought maybe that's what did it. However, other people listened to the record and didn't change. So that couldn't have been it."


"Such a dramatic change had taken place in my life, that I thought, someone has to know what I've done, and they've either written a book or are talking about it. I did a lot of reading and attended a a lot of seminars and behavioral sciences, the mind and result-oriented programs."

Although I was picking up a lot of good information, I wasn't getting my answer. I was already successful, I just wanted to know why."

After searching for years, Proctor came to the conclusion that the educational system worldwide was lacking.

"I think a lot of people have come to the conclusion that a lot of what they are learning is just wrong. In the study that I have done, I found that all productive people are creative. Creative people are very intelligent but all intelligent people are not productive or creative. You can come out at the head of your class but do nothing with your life."

"That happens time and time again. As people, we almost defy the intellect. We give degrees and diplomas for what people can remember, not based on what they can do ...."

"I don't think there's a recession anywhere in the world. I think there is a transition going on. Large corporations are changing. They are demanding more creativity on every front. You see the walls coming down in the communist countries.

That's a symptom of something that runs much deeper. People want to live a fuller life. They want to utilizes their potential. Wherever
go, there are people who want to hear what we say and we've been getting pretty tremendous results."

"We teach very simple - I'm a simple guy, I'm not complicated - program. It took me years to figure out why I was so successful. That's really what we teach."

Asked what makes him different from other motivational speakers, Proctor said most motivational speakers work by getting audiences worked up emotionally.

His model, he says, is different in that it is an educational model. He focuses on people becoming aware of their real desires, goals and ambitions and teaching them systems to help them actualize those desires, goals and ambitions.

Monday, October 26, 2009

ALPHA Brain WAVES Technology - Part 3





There are many ways to go into this state of Alpha. We are choosing to go into Alpha by using the ALPHA BRAIN WAVES MUSIC. It is one of the easiest ways to enter the Alpha State because there is nothing that you have to do to go into Alpha. All you have to do is to play it in the background and you do not even have to listen to it consciously. So long as you have it playing gently in the background while you continue to do whatever it is that you are doing, in 15 minutes or less you will begin to experience its miraculous effects.

1. Sit or lie in a relaxed position and play the Alpha Brain Waves Music in the background. No specific rituals, positions, places or poses are required.

2. Take a few deep breaths. Take in a fast deep breath at a count of 2. Breathe in through your nose into your stomach. If unsure how, place your left hand on your navel. When you breathe in, your stomach should come out (imagine you are inflating a balloon in your stomach). Hold the breath at a count of 4. And breathe out slowly through your mouth at a count of 8. The stomach will naturally go in as your exhale. Repeat this 2-4-8 breathing pattern 3 times.

3. Focus on the music for a few minutes. Say your Affirmations (close your eyes if you have them memorized or open eyed if you need to look at them). Visualize your Goal with your eyes closed. If you fall asleep, which is most likely, as you are in a very relaxed state, its OK!

4. Whether you are doing work, studying, driving, going for an appointment, or need to induce sleep, calm yourself or control extreme emotional states, just leave it playing in the background as you go about doing whatever it is that you need to do. It has a natural effect on the mind and body.

5. The STRONGLY recommended times to play as background music are:

i. As you awaken in the morning and as you get ready for work – it will relax you, raise your energy level, stimulate your brain cells and create positive energy and mood.

ii. As a Sleep-Inducer and to program Goals while removing Mental Blocks. It also causes Natural Healing, detoxification and strengthens your immune system while you sleep. Just put it on and focus on the music, and drift off into a deep sound relaxing sleep.


To optimize the use of the Alpha Brain Wave music, below are some specific ways and times to play it.

1. Students while studying for exams or while doing homework and while studying late into the night.

2. Before an important appointment to calm down and be focused. When you feel fear, nervousness, tension, doubt, paranoia, before a presentation or speaking in public, or before seeing a client.

3. To internalize and program Goals into the Unconscious Mind during Affirmations and Visualization.

4. To remove Mental Blocks that prevent Goal Achievement or sabotage Success at the Unconscious level.

5. Calming effect to induce deep or restful sleep when brain wave activity is too high, or worried about daily problems. This state helps the mind to seek for solutions

6. When you need to work long hours with insufficient rest or sleep, or when you need a short Power Nap of 20 minutes with this music in the background. It energizes and speeds up cell replication.

7. Heal health problems naturally by strengthening the immune system and creates a conducive cell environment.

8. To control emotions when too emotional, or uncontrollable destructive emotional states.

9. Need to generate new and different original ideas. Promotes cell growth. Rejuvenates dying cells.

10. For purposes of Relaxation and Meditation. When stuck in traffic jams. (This is probably the only program of its kind that CAN be played while driving.



1. Mental and Physical Relaxation

2. Program your Mind for Massive Success

3. Achieve every Goal you set

4. Heighten your Meditation and Spiritual experiences

5. Build Intuition and Psychic Ability

6. Optimum Physical Health

7. Emotional strength and stability

8. Physical and Emotional Healing

9. Release Toxins, Stress and Fears

10. Enhanced Relationships

11. Build Brain Cells & increase your IQ while you sleep

12. Build a Super Power Memory

13. Create a Positive and Motivated Mindset

14. Cope with Rejections and Objections

15. Collapse Old Habits & build New Habits

16. Condition your Mind for Success

17. Detect and Connect with your Life Purpose


Wednesday, July 29, 2009

12 Reasons Why People Do not Get Wealthy

Anthony Robbins' 12 Reasons Why People Do not Get Wealthy

According to Wallace Wattles, in his popular wealth treatise called the Science of Getting Rich, said that,
"There is a science of getting rich, and it is an exact science, like algebra or arithmetic. There are certain laws which govern the process of acquiring riches, and once these laws are learned and obeyed by anyone, that person will get rich with mathematical certainty."

It is true. Those who make wealth know that it comes about by application of simple rules and principles. Those who don't make wealth don't know about these simple things, and so they assume that wealth is a result of luck or pure chance or something just as superstitious or silly.

Anthony Robbins is one of the top success coaches in the world, having coached star sports players, heads of states and Fortune 500 executives. In his Get The Edge program, he listed down 12 specific reasons he has come to observe to be the leading causes for most people's lack of wealth.

Here they are:

1. They never decide and really define, very specifically, what wealth means for them. The keyword here is specifically. Can you imagine how hard it would be to build a car or a plane without making a blueprint or sketch drawings of it first? You have to know what your target is before you go chasing after it.

2. They make wealth a moving target instead of a fixed one (this is related to point one above). Once you have your target, fix it. Do not change it until you reach it. You must accomplish each step, celebrate, and then set course for a new step, a new target.

3. They define it in a way that seems unreachable. You only achieve what you believe. No more, no less. So you must make it believable for you. Set goals that will make you move forward and stretch, but not too high that even you yourself don't believe you can. Take the biggest step you believe you can, achieve it, then take the next biggest you believe you can. This will build positive reinforcement in your self-confidence as well.

4. They never start. Ok, this is obvious. If you keep thinking about it forever, it will forever remain in the thought level. You have to act! Start somewhere, anywhere! Only after you start do you begin to get some feedback, which will help you plot your course better. The aircraft has to first take off before it starts to adjust course for its destination. You must start, somewhere, anywhere, doesn't matter, just start! Act!

5. They never make it a must. Let me explain what it means to make it a must. It means marshalling all your intent, your will, your direction, into one singular flow that is directed towards your goal. All obstacles are viewed as challenges to be overcome. You will meet obstacles, and so expect it, but also expect to move forward anyways. Use your obstacles to develop strength and skills, don't run away.
Find out how to go past them.
Find out!
There is always a way, always. And if your emotions are acting against your desire, embrace them, learn what they are, know yourself, but keep moving forward. Make it a must, and it will happen. Guaranteed. You do not know in how many steps it will take, but you know it will happen.

6. They do not have a realistic plan. If you want to do something, find out how it is done from someone who has done it before. Make a realistic plan. Copy from those who have succeeded before you. But do not throw away your intuition. Your intuition is extremely powerful once you learn how to listen to it with practice.

7. If they have a realistic plan, they never follow through on the plan. Well, if you do not follow the plan, who will?

8. They give responsibility to others ("experts") instead of to themselves. This way, they never really learn how to do it, and if there are failures they never learn why the failures happened and so they are bound to repeat them. It is a good idea to get advice, but do it yourself.
At least understand it yourself even if you will delegate the actual doing.

9. They give up when they face challenges. Going through the challenges is what has made people rich, not giving up. Look, there are always challenges. So get used to that. You will only get where you wish to get to if you are willing to face the challenges along the path. All challenges are opportunities dressed in work clothes, remember that. After the challenge is over, you will discover the amazing fruit it held for you.

10. They fail to conduct their lives as a business; they never ensure that they make a profit year by year. Get a personal finance package like Quicken or Microsoft Money. You need to have budgets and cash flow statements for your personal finances and your businesses. It is easy with those software packages. If you do not keep records and track, you would not know when you are making or losing money until it is embarrassingly too late.

11. They allow other people's ideas to affect their decisions unreasonably. There will always be people who do not believe in your way, or who are pessimistic, who try to pull you down, or whatever. And they will sometimes be your closest friends and family. You cannot change that - they have a right to be who they are. It is OK. Allow them their thoughts, do not judge them for that, but do not feel obligated to accept their thoughts of follow their way.
Do not allow other people, now or from the past, unreasonably affect your decisions. Allow them their way, and you live your way.

12. They do not get quality coaching. This is extremely important! Coaching is simply getting mentored by someone who has succeeded wildly in the area of your interest. Get coaching! Our education system hardly equips us for real life, so do not assume that because you went to college you are properly equipped. Hardly. You need to keep learning. The most successful people attend seminars, read books, join mastermind groups and clubs, find mentors, network, and even hire expensive personal coaches to make sure they succeed.

How many of these reasons can you identify with?
Well, now that you see the reasons, you now can look at yourself and make sure that you don't follow ways that are known to not lead to wealth.
Follow what works and it will work.
And do not forget to enjoy yourself along the way.

Sunday, July 26, 2009



Born in 1935 as the middle child of a modest family in Northern Ontario, Canada. Robert Proctor was not an outstanding youth. Born into a worldwide depression that only gave way for a Second World War, Bob (like many of his peers) just wasn't interested in school. As a result, he didn't do very well, eventually dropping out just a few months of high school.

Even in the 1950s there were few lucrative career choices for high-school dropouts, so he soon joined the Canadian Navy for a four-year stint. After a mostly uneventful stint, he came home to Ontario, settling down in Toronto to work as a fire fighter. He has since described himself during this period as being "broke, sick and miserable." So, when his friend Ray Standford gave him a copy of Think and Grow Rich by Napoleon Hill, he was ready for a change.

He quickly decided to put the ideas outlined in the book to use. The first thing he did was take a figure he wanted to make, write it down, concentrate on it and keep it in the pocket. The initial sum of $25,000 may seem modest by today's standards, but in 1961, it was several times the average blue-collar wage in Toronto, even someone so lucky as to have a steady and lucrative positive such as a city employee. To the protests of his brother fire fighters, he quit anyhow.

Shortly, he'd started up a janitorial company that specialized in cleaning offices. Just twelve months after that, he was the head of a nation-wide janitorial chain and had made several times his original goal. Within a few years, he was a millionaire. Clearly the book had some sort of effect. He felt compelled to share this success with others through sharing the secret he'd learned.

Bob was ready to learn more and he devoured all the books he could come across on the subject, many from 19th century such as those by the proponents of New Thought Movement. He continued to study and found a mentor in Earl Nightingale, creator of the gold record winning "The Strangest Secret," and voice of over 7,000 motivational radio broadcasts.

A pioneer of the self-help movement that sprung up in the 1970s, Earl taught sales forces and housewives alike that "you become what you think," since it occurred to him "like a bolt out of the blue," while preparing an inspirational talk for insurance salesmen in 1958. Bob went to work with him as a content salesperson in Chicago, Illinois, and soon became Earl's right hand man.

In the mid 1970's Proctor decided to begin his career as a life coach and continues, 30 years later, in that capacity. In the ensuing years, Bob has taught executives at scores of companies such as Prudential and Metropolitan Life as well as Malaysia Airlines.

He continued to seek new material to explained why some people were successful and some were not. Dr. C. Harry Roder of San Antonio's Concept Institute, Eric Hoffer of The True Believer fame and Leland Von Syring are among those Bob made acquaintance of during his travels to work with corporate clients. They gave Bob indispensable advice that he's incorporated into his programs and seminars. Any time he noticed his life was going along much more smoothly than before, he sought out the nugget of wisdom and investigated it. The resulting program is, in essence, his life's work.

He has written numerous books on the topics of getting what you want out of life and fulfilling goals since the 1960s including The Success Puzzle, The Winner's Image, The Goal Achiever and his highly influential and best selling, You Are Born Rich. Most recently he's been featured on the phenomenally successful movie "The Gift", as an interviewee and philosopher. With other experts from the film Bob has been conducting seminars to teach people how to use the power of thought to propel themselves into the powerful people they can become.

Bob claims to be spry as ever, in his early 70s, expressing sincere gratitude for his good fortune and abundance everyday. He remains committed to the teaching of his system for attaining personal satisfaction.


Saturday, July 18, 2009

Trainer Profile

Self Mastery Learning Centre.
Bob Proctor's Asia Master Coach Dev

Trinity Unversity

Business Coaching
Action International Business Coaching

The Malaysian Insurance Institute
Basic Agency Manager certificate.

The Malaysian Insurance Institute
Investment Link

Money & You,
Year 1996

City & Guild of London Institute
Full Technological Certificate

Founding Member formerly known as Life member
of XL Nation

Thursday, July 9, 2009

Financial Freedom

Jars System

Open a separate account designated as your Financial Freedom Account.
Put 10% of every after-tax dollar you receive into this fund.
This money is only for investments, buying or creating passive-income streams.
The job of this account is to build a golden goose that lays golden eggs called passive income. And when do you spend this money?
It's never spent. Only invested.

Eventually, when you retire, you get to spend the income from your Financial Freedom Fund, but never the principal itself. This way, it keeps growing and you can never go broke.

Many of my students have had amazing stories to tell about their experiences with this method. Some have even gone from bankruptcy to financial freedom just using this method.

Even if you only have $1 --manage that dollar. The principle of managing you money is more important than the amount you manage.

One of the biggest secrets to managing money is balance. On one side, you want to save enough to invest. On the other side, you want to put 10% into a "play" account. Why? Because you can't affect one part of your life without affecting the other. If you only save, save, save, your logical mind might be happy, but your inner spirit will feel deprived. Eventually, this fun-loving part of you will say "Enough! I want some attention too," and sabotage your results.

But if you only spend, you wind up not enjoying the things you spend your money on and feeling guilty. The guilt will cause you to overspend even more to make you feel better. And it might work for a while. But then you're back to guilt and shame.

The only way out of the vicious cycle is to learn how to manage your money in a way that works.

So have a play account specifically for that purpose. It's to nurture yourself. I want you to BLOW that money every month. That's right, blow it! On an extravagant restaurant and champagne. On renting a boat for the day. Or staying in a high-class hotel for a night of fun and frolic.

The only way most of us will stay with a savings and money management plan is with a playing plan that will reward us for our efforts. The play account is to strengthen your "receiving" muscle. Remember how I said rich people are excellent receivers?

It also makes managing your money a whole lot more fun.

In addition to your Play Account and your Financial Freedom Account, I advise you to create four more accounts:

10% into your Long-Term Savings for Spending Account

10% into your Education Account

50% into your Necessities Account

10% into your Give Account

Again, the poor think getting rich is all about income --that you have to earn a fortune to get rich. NONSENSE!

If you follow this program, you can become financially free on a relatively small income. If you mismanage your money, you can't become financially free even on a huge income.

I love hearing graduates of the Millionaire Mind Intensive share how much more confident they feel around money, success and themselves once they begin managing their money properly. The best part is hearing how other parts of their lives improve.

Money is a big part of your life, and when you learn how to get your finances under control, all areas of your life --your relationships, your health, your happiness --will soar.

Action #1
Open your Financial Freedom Account at the bank. Deposit 10% of all your after-tax income. And DON'T TOUCH THIS MONEY! It's only to be invested to produce passive income for your retirement.

Action #2
Create a Financial Freedom jar in your home and deposit money into it every day. It could be $10, $5, $1, a single penny, or all your loose change. Again, this will put daily attention on your financial freedom. REMEMBER: Where attention goes, energy flows and results show.

Action #3
Open your Play Account at the bank, or have a Play Account jar at home where you deposit 10% of all your income.

In addition, open four more accounts and deposit the following percentages into each:

10% into your Long-Term Savings for Spending Account

10% into your Education Account

50% into your Necessities Account

10% into your Give Account

Action #4
Whatever money you have, begin managing it now. Do not wait another day. Even if you only have a dollar, manage that dollar. Take ten cents and put it into your Financial Freedom Account jar. Another ten cents goes into your Play jar. This action alone will send a message to the universe that you are ready for more money.

Action #5-Declaration
Put your hand on your heart and say,

"I am an excellent money manager."

Touch your head and say..."I have a millionaire mind."

Good job.
Now practice this principle over the next 30 days and watch your mind, thoughts and financial life transform.

For your freedom,

T. Harv Eker

P.S. The Millionaire Mind Intensive is where we can really work with you and change your money blueprint on a deeper and more permanent level.
To receive the two complimentary tickets that I included with your book, go to

Register right away before all the seats are gone

Wealth File

Wealth File #14

Rich people manage their money well.

Poor people mismanage their money well.

It's not your income that makes you rich. It's what you keep and how you use it.

That's basically the conclusion Thomas Stanley, came to in his best-selling book, The Millionaire Next Door after interviewing millionaires across North America. As he said, "Rich people are good at managing their money."

The fact is, everybody manages their money. The difference is, rich people are good at managing their money and poor people are good at mismanaging their money.

So let me ask you:
Are you good at managing your money?
Or mismanaging it?
Do you control your money, or does your money control you?

The simple truth is this: in order to master money, you must manage money.

This is the Wealth File we'll be working on.

We'll begin in a moment.
But first I want to remind you of something before we get started: please be kind to yourself.

You're learning new mental habits.
You may slip back into your old thought habits from time to time.
That is OK.

In fact, it's great if you catch yourself thinking in the old ways. Simply congratulate yourself for catching yourself, simply say to that old voice "Cancel, cancel. Thank you for sharing." And replace the old thought habit with this new, millionaire thought habit.

The concepts --the new files --you're learning are simple but very profound. They make real changes for real people in the real world.

Just remember it's imperative you put each file into action as quickly as possible so that the knowledge can move to a physical, cellular level. That way, it can create lasting and permanent change.

I know how it's like to be broke. I've been there. The temptation is to think, "I don't have enough money to manage." The problem with this kind of thinking is, it's looking through the wrong end of the telescope. Instead of "when I have plenty of money, I'll begin to manage it" the reality is "when I begin to manage it, I'll have plenty of money."

That's like saying "I'll start exercising when I lose weight."

The way it works is, FIRST start handling what you have properly and THEN you'll have more money to handle.

At the Millionaire Mind Intensive, I tell a story that hits people right between the eyes:

Imagine you're with a five year-old child. You walk into an ice cream shop and you buy her an ice cream cone. The two of you walk outside. No sooner do you get outside, though, that she licks her ice cream and PLOP! It falls off and onto the sidewalk.

She starts to cry. So back into the store you go to buy her another one. And just then, the child sees a colourful sign with a picture of the "triple scooper" cone. Delighted, she points to the picture and squeals "I want that one!"

Question: Being the kind, loving and generous person that you are, would you go ahead and get her the triple scooper? You might be tempted to say "sure." But think about it. Why would you set the child to fail again? She couldn't even handle a single scoop. How could she possibly handle a triple scoop?

By the same token, why would a kind, loving universe give you more than you could handle? The universe is saying "Until you show you can handle what you've got, you won't get any more!"

So how exactly do you manage your money?

At the Millionaire Mind Intensive, we teach an amazingly simple and effective money management system. It's beyond the scope of to go into it in detail, but let me give you a couple of basics to get started.

Will Coaching Change Your Life?

Will coaching change your life?"

The answer is:
Maybe not.

I say "maybe not" for two reasons.

First, it's the coaches.

Almost none of them have any understanding of soul connections.

They have no clue about the spiritual reasons for the shifts taking place in the world.

Even so-called "business coaches" are likely to have little or no business experience. They're trained to be "accountability partners" -- they will nudge you when you don't stick to your goals list, and that's about it.

Second, it's the clients.

Few people who sign up for coaching are looking for much beyond the initial energy burst of "doing something" about their situation.

It's like joining a gym when you want to "do something" about your fitness level. But joining the gym does nothing unless you go to the gym and do workouts that challenge you on a regular basis. Ever wonder why gyms try to collect the full year's membership up front? They know 90% of people will drop out.

HOWEVER... coaching CAN change your life...

IF you come to coaching with a willingness to explore ideas and actions that open you to ever-greater levels of freedom, satisfaction, and success.

Wong黄 Chong宗 Sen聖 a.k.a Handsome Wong
Life Coach and Small Business Mentor
Specialising in Wealth Dynamics
Keynote Speaker: Life Skills and Business Topics
Your Personal Guide to Passion & Success
Bob Proctor's Asia Master Coach DEV elite team of coaches
Past President, Lions Club of Krian
Past President, Penang MCA{Must Conquer All} Toastmaster Club,

Join my S.I.E.P. coaching for a year – costing RM3,000.00

just add RM100.00 for a one-day Seminar workshop on “How to go from broke to millionaire within 3 years” valued RM1,500.00
by Macro Robinson,

Saturday, June 20, 2009

Thinking And Speaking:

Thinking And Speaking:
The instructions of and for life

Closely related to images are thoughts. Just as life is images of the mind expressed, it is also thoughts of the mind expressed. In other words, life is the mind expressed. Your external reality is the densest part of your mind, without any separation. The separation between you and your outside world is illusionary. As we move on in this book, you will come to see first hand how this is so, scientifically and spiritually.

Life is your mind expressed. The outer world is the densest part of your self; it is an extension of your mind. When you finally will stop believing in the illusion of separation, your power will rise dramatically. But even now, you may still change your mind to change your world. You will now see how this happens, and as we move on further into this book, you will see scientific and further evidence of this. Eventually, the illusion of separation will fall off totally, and you will have mastered this. But even now, just knowing this is empowering.

This chapter is a course in how to think in ways that are friendly to the universe and its laws, ways that co-create the universe itself purposefully into one that you wish to live in and not one that you find yourself in. In this chapter, there will be several mentions of the laws of the universe. These are the laws that you will learn throughout this book, and not necessarily in this chapter alone. The pieces of the puzzle will fall into place as you read on.

Ok, let us dive into the mind. Your world is the densest part of your mind...

Life is your thoughts, expressed. Let us paraphrase what we learnt about images over here. Life, The Source, uses your thoughts as the instructions by which to create your reality in the material world. Life expresses your thoughts into physical reality. To express is to make known, to state, articulate, communicate, convey. The force of Life makes known your thoughts to yourself and everyone else by forming them into experiences and objects that can be experienced, here in the physical world. You experience your own thoughts first hand, your images of your mind, so that you may know which ones are suitable and which ones are not. That is how you know yourself, that is how you experience your self, and that is how you grow. This world is designed to enable you to experience your Self. It is designed to enable you to experience an idea and its effects and consequences.


Your state of wealth externally is an extension and testament of your state of wealth internally. How clear and certainty you are in thoughts of wealth is evidenced externally.


Life does not select which thoughts to express and which ones not to. How would it choose for you? It therefore expresses all of them to the extent that you have them and believe them. You have true free will. This free will is truly free because of the fact that all of it is acted upon without filtering or favoring. Free will is truly free because of the fact that it actually gets results all the time, not just some of the time, and it gets them exactly.


To the extent that your thoughts are not conscious, deliberate and focused in any topic of life, you will be affected by the outcome of the thoughts of other people. And to the extent that your thoughts are clear, focused and non-contradictory, your results will be sped up. A few people are able to perform what many people would call miracles simply by thinking only one way and strongly about a thing. The idea that the outcome of their intention may not happen as they wish it to happen does not even occur to them for a split moment.


Suffering is always the result of an error in thinking. It is an indication of being out of harmony with the laws of the universe. The only purpose behind the existence of suffering is to show a person when a thought is in error and alert them of the existence of a higher thought that would serve them better. Suffering stops as soon as that higher way is found, that higher thought. In the presence of suffering, try not to resist. Instead, examine with an open mind, and the answer will always show itself to you without fail.


Concentration gives thoughts more power and speed in achieving goals.


Your dreams, thoughts and visions will build your world. You will rise and fall with the rising and falling of your thoughts.


Repetition breeds integration and internalization. To attain wisdom, read this material repeatedly and think in the right way over and over again. Through repetition, things are embedded into your subconscious. They cross over and become you.


You can predict the future by looking at the thoughts, words and actions of today, and applying the law of cause and effect to them.


You are never denied answers to your questions. Whatever questions you ask believingly and earnestly will be answered exactly. No more and no less. If you earnestly and believingly seek and ask how to earn one million dollars, the universe will conspire to bring you the knowledge, tools, people and events to give you that answer. If you ask how to earn a billion dollars, you will also get answers worthy of that amount. Einstein was not born a mathematical and physics genius. He simply asked the right questions, believingly. You see, the universe works by perfect law that never once errs nor favors particular people. Once you understand the universe's deeply complex yet simple rules that are perfectly balanced, you cannot fail to succeed predictably. Whenever you see chaos and unpredictability in the universe, you are simply seeing something that you do not yet understand, but something that is organized and predictable by certain laws. Nothing is difficult for The Source, God. And perfection and balance is the nature of The Source. Hence, all laws are applied equally, universally and unfailingly. Ask the right questions, believingly and earnestly.


Be specific and do not keep changing your mind. All thoughts count and produce results. Changing your mind all the time 'confuses' the universe. Imagine walking into a travel agency and saying, 'I wish to travel'. Then you look at the agent blankly. He or she would be ready to make your reservation, but they cannot until you tell them where you wish to go. Imagine you now say, 'Well, I'd like to go to Moscow and Timbuktu, at the same time'. Again, the agent cannot fulfill that request. Now imagine you say, 'OK, then book me to Moscow. No, wait, Timbuktu. No, wait, Moscow. No, wait; I am not sure I can afford it. No, I can. No, maybe I don't wish to go there or travel at all.' This is how many people think all day. And the universe is 'confused' by their thoughts, just like the travel agent is, and it therefore produces 'confused' results for them.


Whatever you put your attention to gets energy from you and grows. Remove the attention and it dies. Be conscious and deliberate in this. Intention goes along with attention. What you intend and give attention to begins to become.


This text was extracted from the book A Happy Pocket Full of Money

The Truth About Time:

The Truth About Time:
It does not exist except as you say it does

Time is a funny thing. A very funny thing! The biggest trick time ever played on us was to make us think it was real, and that we were under its full control. Yet, time is a complete illusion, a strong and persistent illusion.

What wonderful news that is! Time is an illusion created by you. Once you understand how this illusion, is created by you, you then begin to re-create it as you wish, consciously and deliberately instead of unconsciously and accidentally as you may have been doing.

What is time? What do I have to do with time? How should I think and be about time so that I may experience wealth and other things in larger quantities faster? This chapter will begin to answer these questions. In other chapters in this book, these concepts will become more real to you.

The only time that truly exists is Now...

The distinction between past, present and future is only an illusion, however persistent - Albert Einstein


Whether time is long or short, and whether space is broad or narrow, depend upon the mind. Those whose minds are at leisure can feel one day as a millennium, and those whose thoughts are expansive can perceive a small house to be as spacious as the universe. - Hung Tzu-ch'eng


Time flows in all directions, not forwards only as it appears to. The past, present and future exist simultaneously.


Here is an easy explanation of what time is. This is an extremely simplified explanation but it will do for now. Imagine a football or soccer field with 10 objects spread around it. Now, imagine that a certain object A represents a child being born and a certain object B represents being a 10 year old child. If object A was to travel to object B, that travel would take what you now call '10 years of time'. That is 10 human years of a child growing up. Now, it gets a little complex: What if that football field was to shrink?

Object A would reach B and pass through all the experiences of 10 years of childhood, but the sensation of time would change. In other words, 10 years would feel very different. If that field shrunk enough, ten years could feel like an instant. And you have experienced this often. When you are having a great time, you feel as if time flew by. You did not notice the hours pass; yet your watch said they passed, because your watch is designed to take the same amount of 'time' to move from one-second marker on the clock face to the next. But you are not designed that way. Time is the moving of your consciousness past pre-existing events in the space-time continuum. You will soon see what this is.

The field of life that we live in is not static - it keeps changing its dimensions. That is why we have to keep readjusting our watches worldwide all the time for this crazy thing called time to make sense for us - but only because we think of time as consistent slices of periods. It is not. It is merely our misinterpretation of our consciousness moving by one pre-existing event in the filed of Life to the next event, as you shall soon see. The field of life is not static, nor does our consciousness move at a fixed speed. The field may not change that fast for us, and our consciousness may not change its rate that fast unless we will it to do so, and that is why we do not usually notice these differences that much and see that time is not constant.

But if you were to travel very fast in a spaceship, as you may well have heard from Einstein's Theory of Relativity, you can slow down time or even go back in time. Time is more of a sensation of passing events and the faster or slower you pass these events, the faster or slower the calibration of time changes. It is not the taking of time that changes; it is the calibration of time (one minute no longer takes one minute).

Ok, back to the soccer field. Imagine you were one of the objects. You would feel time as you move around the field passing other objects that you see, isn't it? Yes. Now, imagine if you were born moving faster, say three times the speed. Time would seem shorter. Now, imagine you were the soccer field itself! Or even an object large enough to cover the whole field. Now we are talking! Time would cease to exist for you. Because you are the field and you can feel, touch, and be with all the objects on you at the same time always, there would be no travel from one object to another. It would all be happening Here, Now. All of it!

All the 10 objects would be happening at the same 'time' for you, always. This is the eternal moment of Now, Here. Everything that can possibly happen in the universe, everything that can possibly be created, the past, present and future, are all running all at the same 'time' in one huge field. Your consciousness and awareness are awake to only a small section of this field at any one 'time' and as you move them about from one point to another, you experience 'time', experiencing a sensation of past, present, and future. The field itself does not experience time; it only experiences an eternal process that is always happening all at one go, Now, Here, Always, All Ways. You can think of the whole field as The Source.

As you expend your consciousness and awareness, as you take up more and more of the field, and time shrinks for you. Can you see that? Now the amazing thing is that, the mind and the Self (or soul or spirit, whichever you are used to referring to) is a lot larger than your physical body. We are used to thinking of the soul or Self as a little thing contained inside our body. That is just human thinking - relating things to containers. Have you ever considered that the soul, being far more powerful than the body, actually holds the body together and surrounds it? And the mind holds the brain and nervous system together and surrounds it? If you have considered that the soul and mind are larger than the body and brain, have you ever considered where they end? How many feet away from your body? Or is it how many miles away? Or how many light years away from your body does your soul end? It is not impossible that your Soul and Mind are a billion times larger than your body (why not?). They are infinite and eternal.

Yet, this humongous powerful Self is you. Anyway, let us get back to wealth. Understanding time clearly, how it works and how to take control of it, and understanding your Self and your Self's composition and relation with everything else physical and non-physical, is of high importance if you wish to experience massive wealth 'fast'. It is all a matter of expanded consciousness, right state and right thought and choice. These lead to your consciousness becoming awake to wealthy parts of the whole and doing so in wider circles.


Now is the only moment that exists. An eternal moment of Now is all there is. You can remember the past and dream the future but you can only be, exist, Here, Now. Make an irrevocable commitment to yourself to make Now the best moment of your life ever!


Do not dwell in the past, or live in the future. Your only moment is Now. Dwell in Now.


As you will soon see, your outer world mirrors your inner world. You will see in this book how this is so.

Do you feel as if you do not have enough time to do what you wish to do? People short of time on the outside are short of it on the inside. They act, think, and speak believing they are short of time. Stop thinking and saying you do not have enough time. Do not believe that for a second. The universe has no shortages of anything including time, and neither do you, except for the ones that you build for yourself. Believing in any sort of shortage makes your consciousness smaller and slower so that you may experience what you believe in.


The present moment is the greatest gift you can have. It is perfectly created for you according to your stated designs. You state these designs by the thoughts, states of being, words, and actions that you held most true to yourself earlier. The present is something that you send yourself, a perfectly pre-sent moment. It allows you to experience, taste, review, and change your past thoughts, states of being, words and actions.

Be grateful for the present, for you know you can change it, for it allows you to experience your Self, for its entire existence is to serve you. Cursing, condemning and judging the present moment will only keep it as it is longer. What you resist, judge, and condemn persists. What you embrace and bring to the light for non-judgmental, honest and clear examination reveals the lessons you are looking for, the key to the next level that you seek.


Time is only an illusion produced by the succession of our states of consciousness as we travel through eternal duration, and it does not exist where no consciousness exists in which the illusion can be produced; but 'lies asleep.' - H. P. Blavatsky


The future influences the present just as much as the past. - Nietzsche


The first time you do something is a journey of discovery. You take in the details and learn many new things. At this point, there are no labels and memories to enable you to pre-judge the new experience. Learning is at its highest. The hundredth time you do it is often very different. For most people, repetition brings about unconsciousness. Most people do and see the things that occur most often in their lives in an unconscious and unaware state. Because they have seen or done something once, they turn to relying on their memories of it and labels about it that they built in their minds the first time. Learning and discovery drops to zero. Memories of the past experiences take over. What good does it serve you to live today based on your memory of it yesterday? You miss the gift of the present moment totally! In your business or work, do you take an absolutely fresh look at your work, workmates and customers each new day, or do you go by how you 'know' them in their past?

Everything changes, and using memory keeps you from seeing that change, seeing things as they truly are. Try to 'forget' everything about what you are looking at, and you will discover a whole new world, and you will grow a whole lot faster, grow your wealth and self a whole lot quicker.

Think about it. It is quite often that a stranger will complement your work mate or spouse over something that you totally miss every day because you do not look at them as if they were totally new to you. Memory has its place, but many people overuse it, often in an unbeneficial way.

Decide right now to face every experience anew by choosing to forget that you have ever faced it before. Decide not to anticipate a specific appearance or behaviour, an anticipation based on your memory and emotions. Practice detachment of outcome, but have certainty of your choices and intention, and you will find a world that has been hiding from you all along, right in front of your eyes all along.


This text was extracted from the book A Happy Pocket Full of Money

Images of the Mind: The blueprints of life

Images of the Mind:

The blueprints of life

The next step to getting wealthy is to know how life works. In other words, how does the force of life take instructions and turn them into things and new moments out of the quantum energy field? What type of instructions does Life take so that it may create each new moment in your day? In what format and specifications?

This chapter seeks to answer these questions with you. They are the most basic questions, but they must be answered first before we get progressively deeper into the essence of wealth. In fact you may have heard the principles in this chapter before, they aren't really new yet few people understand them fully and even fewer use them, despite their simplicity.

Although imagination is such a basic part of becoming wealthy, it is an integral part. Every other part uses this simple part at some stage. Your mind's images are literally the blueprint from which your world is built.

In the chapter on Quantum Physics, you see scientifically how physical reality is produced. In other chapters in this book, you will also see imagination's interconnections with Life. But let us first look at imagination, images of the mind, in and of itself.

Life is images of the Mind, expressed...

Life is images of the mind, expressed. What this means is that Life, The Source, uses your thoughts, your mental images, as the instructions by which to create your reality in the material world. Life expresses your mental images into physical reality. To express is to make known, to state, articulate, communicate, convey. The force of Life makes known your thoughts to yourself and everyone else by forming them into experiences and objects that can be experienced, here in the physical world.

You experience your own thoughts first hand, your images of your mind, so that you may know which ones are suitable and which ones are not. That is how you know yourself, that is how you experience your self, and that is how you grow. This is the supreme purpose of this physical world that we are now in. It is designed to enable you to experience your Self. It is designed to enable you to experience an idea and its effects and consequences.

Life does not select which ones of your images to express and which ones not to. How would it choose for you? It therefore expresses all of them to the extent that you have them and believe them. You have true free will. This free will is truly free because of the fact that all of it is acted upon without filtering or favouring. Free will is truly free because of the fact that it actually gets results all the time, not just some of the time, and it gets them exactly. Later we will see how exactly free will works, even when it looks as if it is impossible for it to do so.


Imagination is the force that takes you to places you have never been. Napoleon Hill said that imagination is the most marvellous, miraculous, inconceivably powerful force the world has ever known. Life is imagination, images of the mind, expressed into physical form. Feed your imagination daily and accurately with pictures, movies, and concentration. Spend time doing this in detail every day. Imagination is the most powerful force, and it is so because Life uses it to know what to create next. Most people spend little time imagining. They imagine using idle thought, haphazardly, and wonder why their life is not rich for them. Imagination has the power to make or break your life. It is your mind, and your choice.


Images. Images. Images! Life is images of the Mind, expressed. Imagine your life as you wish it to be, picture perfect, with colour and details, in your mind, every day. Spend an hour daily doing your images. And throughout the rest of the day, keep your thoughts in harmony with your images of your chosen life. This is so important that it cannot be over-emphasized. The Source, God, works perfectly, giving you exactly what you envision and think about. Exactly. No more, no less. It is therefore extremely important that you have crystal-clear images and thoughts, consistently.

For example, many people wish to have a nice car. But the mistake they make is to have 'get a nice car' as their goal. What do they expect the universe to give them? There is physically no such car called Nice Car. Be crystal-clear! Envision the exact car, its make, model, colour, options, and all that. Go to the car yard or look it up on the Internet and know exactly, or as exact as possible, what it is you wish to have as a nice car. Then envision that every day - the more you think about it, the closer you get it to you.

This is the effective way to image. Life is images of the Mind, expressed. Do you wish to travel to another country for a dream holiday? Go to the travel agency and get all the details from them, get the brochures, flight itinerary, prices, hotels and car reservations, and all that. Build up the whole trip, exactly, in your mind in full colour and spectacle.


Life is an expression of inner images. Everything we do and experience is an expression of our images, our imagination, and our thoughts. Work on your images. To change your life, change your imagination and change your thoughts.


The life that you are living is the life that you have imagined.


This text was extracted from the book A Happy Pocket Full of Money

Money is an illusion.

Money is an illusion.

There is a science of getting rich, and it is an exact science, like algebra or arithmetic. There are certain laws, which govern the process of acquiring riches, and once these laws are learned and obeyed by anyone, that person will get rich with mathematical certainty. - Wallace D. Wattles.

The first step to having wealth is to know what it is. And few people know what it really is, in and of itself.

What is wealth?
What causes it?
What causes the cause of it?
Let us start with money, the world's symbol of wealth, and then move deeper.

Money is not real.

Money is merely legal tender, a form of exchange. We use it to exchange value. It represents value.

Money is the 'body' of value. It is the physical representation of value that rises and falls in ourselves, within us. Not within 'things' outside of us, but within us.

For without us, what can the value of a thing, such as a car, be to us?

Nothing, at least not to us. We the observers, that place value in the things.

In other words, it is we, the observers, that place value in things, but this value is really value in us - we give value to the material things. The material things have no 'money' value in themselves - we give that to them. So, money is the external physical representation of a particular section of our internal value, within us, within you.

That is why a house or a block of shares valued at $1 million today can fall to a valuation of half a million dollars tomorrow when fear is introduced into the hearts of those involved. The fear kills a portion of the internal values of the participants and that is reflected by the paper money, the 'body' of value.

Here is something else: physical paper money does not even represent money in full. It cannot reasonably do that. By some estimates (and this varies from nation to nation), only as little as 4% of the money in the banks exists as paper cash. Imagine how much cotton, linen, pulp, and metal the world would need so as to make all the money everyone has in his or her bank accounts. Imagine how much space it would take to store all this money in paper form. If you were to stack only one million US$1 bills, it would weight one ton and be 361 ft high. Neither does money exist as gold reserves any more. This is for exactly the same reason - we ran out of the reasonable ability to keep a gold standard in the 1970s.

So what does it exist as, the money that we are always talking about? Well, it is one massive illusion. It is all just numbers written on paper and computer storage devices, and assigned to people and entities such as companies and investments, or more accurately, further records!

To put it in another way, for every $100 or its equivalent in any other currency, only about $4 exists as printed-paper notes or coins, while the remaining $96 exists as numbers written on papers and computers in banks and businesses and other entities. The only reason this system does not collapse is that we all believe in it.

The last time people stopped believing in it in a large enough extent was just before the Great Depression when large numbers of people rushed to their banks to withdraw their money and found that they could not all get it. This is not what caused the Great Depression, but it in a large way accelerated it.

So, money is not real - something else is. Money is just the shadow of that other something. The first step to wealth is to know what money really is, or more accurately, what it represents. Learn not to look at the money most of the time. As you will soon see, it is very rare in a day that you should ever look at money as you know it today - the cash, the bank accounts, the costs, etc.

This is merely the shadow and not the real thing. Looking at the shadow, the physical money, as you will soon see, is most of the time very unwise and unhealthy for you and your finances.

Look, instead, at the value within you and within people, and the flowing and exchanging of this value between people. Our internal value, is what creates money. Money is the shadow of our internal value. Develop this internal value in yourself and in others and your external money and wealth will correspondingly rise automatically, without fail.

Know this however: Money represents an aspect of a person's internal value, but that does not mean that it represents a person's entire internal value. That is very important. It is not about self-worth. Money only represents an aspect of that internal value that pertains to wealth. You cannot therefore say that a wealthy person has a higher self-worth and value than a poor person, but you can correctly say that in matters that relate and pertain to money, the wealthy person has a higher internal value in that aspect of value or that the person chooses to exercise a higher proportion of this internal value.

This section of internal value that reflects on the outside as money, when exercised, is called Wealth Consciousness. It is available to all people equally and can be developed by and within all people equally. Like everything else that is important to all of us alive, such as air, wealth consciousness is free to all.

But you can choose to develop it or not develop it, or to exercise it or not. At any time, you can change your choice, and nothing outside of you can stop you.

You require nothing outside of yourself to increase your wealth consciousness, and therefore your money. All you need is within you right now. You may have forgotten it, but it is right there. You will now remember it. And the first step to that is to always remember that money is not real; it is the shadow of something else.

And here is another secret: Wealth consciousness is simply the expansion of your consciousness and awareness into the wealthy parts of your Self. That is why all that you need to increase your wealth consciousness is within you already. You are already wealthy, but you have been taught to choose to not experience your wealth.

This insight changes everything. Like the wealthy people, you can now know how to and choose to start experiencing the wealthy you.

You have more wealth capability within you than you can possibly experience in a lifetime. You need not worry that you have reached your limit of becoming wealthy in any way or because of any condition. Neither do you need to know how to convert wealth consciousness into paper cash money - as you will see, it will happen automatically.

All you need to do is expand your wealth consciousness and exercise it, act on it, be it, and the situations and opportunities for the equivalent conversion into cash money will present themselves automatically to you. None of the extremely wealthy people today could have, at the time when they were not wealthy, possibly predicted and planned the exact sequence of events that would lead to their immense wealth.

They most probably had a set of goals and a plan, but any one of them will tell you that they met countless 'coincidences' and opportunities that 'joined the dots' for them in ways they could never have predicted. Their goals were their own doing, but the paths that led to them coming into being, and exceeding them, we amazingly intelligent yet unforeseen.

You shall now see how to make them happen in your life - you may not be able to predict their sequence, but you can certainly make these 'fortunate coincidences' happen to you every day of your life.

By the way, it is not only paper money that is not real. A lot of the things around you that you hold so real are really not real at all. You are about to embark on a beautiful, empowering and liberating journey that will show you exactly what your world is in a way that you have never looked at it before.

It is a journey that will open your eyes and free your wings. You are about to look 'under the hood' of the Life, you are about to learn how to customize your world to your liking.

You are about to attain Wealth Consciousness. Once you do, avoiding success and wealth will become very difficult. Yes, you read that correctly. Once you have wealth consciousness, it will be very difficult for you to not have success and wealth. Success and wealth will follow you automatically wherever you go.

You will not need to concern yourself with their quest, yet they will find you. You will be free to experience other aspects of life that you may not have even dreamt of before, dimensions of Self and Life that are truly amazing. The same goes with happiness, health and success as well.

Let us now get started on the real stuff, when you are ready.

This text was extracted from the book A Happy Pocket Full of Money

Goals: The road map to and in wealth


The Road Map to & in Wealth

There is a certain way in which you should set your goals.
What are goals really supposed to be for?

Goals get you thinking in the right way to wealth.

Goals focus your thoughts, format them in the right way for the universe, and keep your images consistent and non-random.
Hence, there is a right way to set goals.

A lot has been said before on the importance of setting goals. This is nothing new. What you are about to now see, however, is quite likely new to you. You will now see how you should set goals to get to wealth fast. Setting goals is well enough, but setting goals correctly is tremendously powerful.

Welcome to the world of powerful goals! Your goals are the prophecies of what you shall one day become...

If you do not know where you are going, you will end up exactly there (where?). If you fail to plan, you plan to fail. If you have no specific goals, you will get no specific results. Remember, The Source takes your thoughts, your images of your mind, and manifests them into your reality. You see exactly how this happens scientifically in the Quantum Physics chapter. But your thoughts and images are the blueprint by which your world is designed and created by and for you. Goals are planned thoughts, directed thoughts. Without planned and directed thought, your life will be unplanned and undirected, seemingly haphazard and seemingly unreliable.


Simply know where you are going and the answers as to how you will get there will come to you on their own time. Do not worry about it. Simply believe that you will get there.


Your ideas, visions and dreams, whatever they may be, are the prophecies of what you shall one day become and achieve. You can predict your outer life tomorrow by looking at your inner self today. You can change your tomorrow by changing your inner self today.


Take goals seriously.
A twenty-year study involving students in a certain Ivy League university in the USA traced the lives of one graduating class.
3% of that class had their own written goals at the start of the study.
By the end of the 20 years, that 3% who started with written goals and plans were worth more financially than the other 97% combined.
They also reported more satisfaction and joy with their lives.


The visionaries and dreamers of the world are the saviors and driving force behind it. These are the inventors, artists, philosophers, educators, sages, business people, designers, scientists, leaders, and so on - anyone who dreams big and creates. The world lives in their ideas and ways and it cannot let their ideas die fruitlessly. The world is beautiful because of the dreamers and visionaries. The world and the universe as a whole are in full support of these dreams, if only the dreamer were to believe this and act that way. The universe, the world, The Source, God, is friendly and supportive of your dreams and aspirations.

Simply have a vision, believe in that vision, and you will without fail realize it to the extent that you believe you will.
All else is in your favour.
So, dream very big!
Dream very, very big indeed!


Conformity can be your worst enemy.
If you do what the crowd does, you will get what the crowd gets.
Everyday, people get up in the morning, go to work like everyone else, and do things like everyone else.
But ask them why they do it and they just do not really know.
They just work hard all day because everyone else does, and their reason for working is that they wish to pay their bills and provide for themselves and their family.

If you are 30 years old, working hard like everyone else, like the rest of the crowd, and that is all you are doing, you can easily tell, roughly, where you will be in life when you turn 50 by looking at the 50 years old crowd today.
Are most 50 year old today financially independent or wealthy?
No, they are not.
The vast majority of people today are not wealthy or financially independent.
But they could be.
If only they just did not follow the crowd just because 'it's the way it is done'.

To get something better than the crowd gets you have to do one thing different: and that is to have specific goals, reasons, visions, and wealth consciousness. By reading this book, you have started to something different and wealth causing. By practicing it daily, you complete the requirements for wealth.

Realistically speaking, you can be self-made wealthy and financially independent even at 18 years of age or less. It all depends on how early, strongly, accurately, and believingly you start your goal setting, envisioning, and wealth-consciousness building. Hard work alone is not the key to wealth. People have gotten wealthy with and without hard work. Wealth consciousness as a whole is the key. And goal setting in the right way is the map.


There is a mistake some people make when they achieve their goals. This mistake takes them back down. The best way to understand this mistake is to illustrate it. Let us say that a person has a goal of having a million dollars in their bank account soon, and now they have four thousand dollars in their account. So, they do all the right things, set their goals, visualize, get certain, act and do all that. They keep their vision of that million high and they achieve it. Now when that account shows one million dollars, they get happy, of course, then they start the mistake. And that mistake is that they now start looking at the bank account, trying to maintain their precious old goal, worrying when it drops below their goal level, and so on. They switch their sight from that of an unachieved higher goal and they start looking at the achieved past goal. They start living in the past, trying to maintain the past. Then they start worrying, and it goes on like that until they lose that million. They stop doing what they were doing right in the first place to get to their goal, and they start living as they used to.

Always set your goals higher than your present reality. This does not mean that you are never to be satisfied with your achievement. This does not mean that you should get greedy. No. On the contrary, it means that you should enjoy every day without worry. You should not worry about losing what you got. You should not worry about maintaining that million you just made. Instead, make the million, enjoy making it and having it, but when you reach that million, do not switch to worrying about keeping it. Instead, set a new higher goal and have your eye on that new goal, but enjoy your old successes without a worry of maintaining them. In any case, it is folly to worry, as the worry itself is what would bring you down.

Wealth consciousness and all its activities are a lifestyle, not something you do occasionally. Your thoughts, being and goals should always be on the next grander version of you, not the past version.


Be careful how you set your goals and visions. The heart, also called the subconscious, has a tendency to take in and internalize the un-negated part of a vision or statement. For example, if one of your goals is to never miss paying your bills on time again, it can be harmful to make the goal statement 'I will never miss paying my bills again'. That is because only the 'miss paying my bills again' may be taken in, due to the bringing up of fear that statement brings about as soon as you say it. Instead, make it out to be 'there is always more than enough money to live the life I choose, to enjoy myself and to invest'.


Failing to plan is planning to fail.
Plan and set goals and visualize them.
Master this skill.


This text was extracted from the book A Happy Pocket Full of Money

Friday, June 5, 2009

Power of Believe !

The person with a fixed goal, a clear picture of his desire, or an ideal always before him, causes it, through repetition, to be buried deeply in his subconscious mind and is thus enabled, thanks to its generative and sustaining power, to realize his goal in a minimum of time and with a minimum of physical effort.

Just pursue the thought unceasingly.

Step by step you will achieve realization, for all your faculties and powers become directed to that end.

The Magic of Believing
by Claude M. Bristol

“Images are the Blueprint of your Life”

The Evolution of Money


# A medium that can be exchanged for goods and services and is used as a measure of their values on the market, including among its forms a commodity such as gold, an officially issued coin or note, or a deposit in a checking account or other readily liquefiable account.

In the modern world we take money for granted.

However, pause for a moment and imagine what life would be like without money. Suppose that you want to consume a particular good or service, such as a Macbook. If money didn't exist, you would need to barter with the retailer for the Macbook that you want.


Barter is the process of directly exchanging one good or service for another. In order to purchase the Macbook, you would need to have something to trade for the Macbook. If you specialized in growing orange, you would need to bring enough boxes of oranges to the retailer's shop to purchase the Macbook. If the retailer wanted your oranges and you wanted his Macbook, then a double coincidence of wants would exist and trade could take place.

But what if the retailer didn't want your oranges? In that case you would have to find out what he did want, for example, chicken. Then you would have to trade your oranges for chicken and the chicken for Macbook.

But what if the person selling chicken had no desire for oranges, but instead wants a cooker? Then you would have to trade your oranges for a cooker—and it would take a lot of oranges to buy a cooker. Then you would have to trade your cooker for chicken and the chicken for Macbook.

But what if…?

At some point it would become easier to make the Macbook yourself or to just do without.

Cool 0r Cool!

“Wealth is define by the numbers of days you can lives forward if you stop working now”

The Evolution of Money

Money evolved as a way of avoiding the complexities and difficulties of barter. Money is any asset that is recognized by an economic community as having value. Historically, such assets have included, among other things, shells, stone disks (which can be somewhat difficult to carry around), gold, and bank notes.

The modern monetary system has its roots in the gold of medieval Europe. In the Middle Ages, gold and gold coins were the common currency. However, the wealthy found that carrying large quantities of gold around was difficult and made them the target of thieves. To avoid carrying gold coins, people began depositing them for safekeeping with goldsmiths, who often had heavily guarded vaults in which to store their valuable inventories of gold. The goldsmiths charged a fee for their services and issued receipts, or gold notes, in the amount of the deposits. Exchanging these receipts was much simpler and safer than carrying around gold coins. In addition, the depositors could retrieve their gold on demand.

Goldsmiths during this time became aware that few people actually wanted their gold coins back when the gold notes were so easy to use for exchange. They therefore began lending some of the gold on deposit to borrowers who paid a fee, called interest. These goldsmiths were the precursors to our modern fractional reserve banking system.

Functions of Money

Regardless of what asset is recognized by an economic community as money, in general it serves three functions:

* Money is a medium of exchange.
* Money is a measure of value.
* Money is a store of value.

Money as a medium of exchange:
Used as a medium of exchange, money means that parties to a transaction no longer need to barter one good for another. Because money is accepted as a medium of exchange, you can sell your lemons for money and purchase the desired Macbook with the proceeds of the sale. You no longer need to trade lemons—a lot of them—for a cooker and then the cooker for chicken and then the chicken for the Macbook. As a medium of exchange, money tends to encourage specialization and division of labour, promoting economic efficiency.

Money is a measure of value:
As a measure of value, money makes transactions significantly simpler. Instead of markets determining the price of oranges relative to cookers and to chicken and to Macbook, as well as the price of cookers relative to chicken and to Macbook, as well as the price of chicken relative to Macbooks (i.e., a total of six prices for only four goods), the markets only need to determine the price of each of the four goods in terms of money. If we were to add a fifth good to our simple economy, then we would add four more prices to the number of good-for-good prices that the markets must determine. As the number of goods in our economy grew, the number of good-for-good prices would grow rapidly. In an economy with ten goods, there would be forty-five good-for-good prices but only ten money prices. In an economy with twenty goods there would be one hundred and ninety good-for-good prices but only twenty money prices. Imagine all of the good-for-good prices in a more realistic economy with thousands of goods and services available.

Using money as a measure of value reduces the number of prices determined in markets and vastly reduces the cost of collecting price information for market participants. Instead of focusing on such information, market participants can focus their effort on producing the good or service in which they specialize.

Money as a store of value:

Money can also serve as a store of value, since it can quickly be exchanged for desired goods and services. Many assets can be used as a store of value, including stocks, bonds, and real estate. However, there are transaction costs associated with converting these assets into money in order to purchase a desired good or service. These transaction costs could include monetary fees as well as time delays involved in the liquidation process.

In contrast, money is a poor store of value during periods of inflation, while the value of real estate tends to appreciate during such periods. Thus, the benefits of holding money must by balanced against the risks of holding money.

“Value is the river in which wealth flows”


Money simplifies the exchange of goods and services and facilitates specialization and division of labour. It does this by serving as a medium of exchange, as a measure of value, and as a store of value.