Saturday, November 10, 2012

Financial Risk of Boomer Widows

Preparing for Retirement?

Are you financially ready for retirement?
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A Compulsive Spender

Are You A Compulsive Spender?
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Being Financially Responsible

Latinas
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Reasons Why People Do Not Become Wealthy

5 Reasons Why Most DonĂ¢��t Become Wealthy
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Wealthy People in the World

UK Bank Industry

Perceptions of the UK Banking Industry
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Friday, November 9, 2012

Principles of Getting Rich by John Calub



PRINCIPLE #1.

Never limit your potential. YOU AND I HAVE INFINITE POTENTIAL.


What are the Limiting Beliefs? Example:

  1. Money is the root of all evil.
  2. You cannot be rich if you stay in the Philippines.
  3. Knowledge is power.

The Limiting Beliefs should instead be reprogrammed to Empowering Beliefs:

  1. The greed of money is the root of all evil. It is a sin to be poor.
  2. I can be rich wherever I am.
  3. Wisdom is power. Wisdom is knowledge in action.


PRINCIPLE #2

"MAKE A DECISION TO BE WEALTHY STARTING TODAY."


PRINCIPLE #3

Understand that "YOUR INNER WORLD CREATES YOUR OUTER WORLD"

meaning, if you want to be wealthy the first step is "feeling wealthy inside."

"Have fun, feel good, it's all been done!"


PRINICIPLE #4

BE FAMILIAR WITH THE FOUNDATIONAL LAWS OF THE UNIVERSE ON WEALTH
Understanding the laws of the universe and applying it in one's life.

  1. The law of attraction
  2. The law of tithing
  3. The law of giving
  4. The law of cause and effect
  5. The law of forgiveness
  6. The law of gestation
  7. The law of polarity
  8. The law of abundance
  9. The law of rhythm
  10. Law of circulation
To read more about these laws click here.

PRINCIPLE # 5


"PAY YOURSELF FIRST BEFORE PAYING ANYONE ELSE."

Remind yourself with these empowering beliefs:

  1. I always have money that I will never need.
  2. My money works hard for me and makes me more and more money.
  3. Whenever I spend money, more money comes to me. (guided by the laws of the universe on wealth)
  4. I always make decisions that are for the highest good of all concerned including my self.

Thanks to this article.


Tuesday, November 6, 2012

Seven Important Laws of Success by Deepak Chopra M.D.


There are many aspects to success; material wealth is only one component. Moreover, success is a journey, not a destination. Material abundance, in all its expressions, happens to be one of those things that makes the journey more enjoyable. But success also includes good health, energy and enthusiasm for life, fulfilling relationships, creative freedom, emotional and psychological stability, a sense of well-being and peace of mind. Even with the experience of all these things, we will remain unfulfilled unless we nurture the seeds of divinity inside us. In reality, we are divinity in disguise, and the gods and goddesses in embryo that are contained within us seek to be fully materialized. Although I call the laws I'm about to discuss The Seven Spiritual Laws of Success, they could easily be called The Seven Spiritual Laws of Life. This is because they are the same principles that nature uses to create everything in material existence--everything we can see, hear, smell, taste or touch.



Success in life could be defined as the continued expansion of happiness and the progressive realization of worthy goals. Success is the ability to fulfill your desires with effortless ease. And yet success, including the creation of wealth, has always been considered a process that requires hard work, and it is often considered to be at the expense of others. We need a more spiritual approach to success and to affluence, which is the abundant flow of all good things to you. With the knowledge and practice of spiritual law, we put ourselves in harmony with nature and create with carefreeness, joy and love. True success is the experience of the miraculous. It is the unfolding of the divinity within us. It is the perception of divinity wherever we go, in whatever we perceive--in the eyes of a child, in the beauty of a flower, in the flight of a bird. When we begin to experience our life as the miraculous expression of divinity--not occasionally, but all the time--then we will know the true meaning of success.

Visit  Deepak Chopra's website here. 

Now let's go over The Seven Spiritual Laws of Success and see how we can apply them in our lives.

1) The Law of Pure Potentiality

This law is based on the fact that we are, in our essential state, pure consciousness. Pure consciousness is pure potentiality; it is the field of all possibilities and infinite creativity. When you discover your essential nature and know who you really are, in that knowing itself is the ability to fulfill any dream you have, because you are the eternal possibility, the immeasurable potential of all that was, is and will be. This law could also be called the Law of Unity, because underlying the infinite diversity of life is the unity of one all-pervasive spirit. There is no separation between you and this field of energy. One way to access the field is through the daily practice of silence, meditation and non-judgment. Spending time in nature will also give you access to the qualities inherent in the field: infinite creativity, freedom and bliss.

2) The Law of Giving

This law could also be called the Law of Giving and Receiving, because the universe operates through dynamic exchange. The flow of life is nothing other than the harmonious interaction of all the elements and forces that structure the field of existence. Because your body and your mind and the universe are in constant and dynamic change, stopping the circulation of energy is like stopping the flow of blood. Whenever blood stops flowing, it begins to clot, to stagnate. That is why you must give and receive in order to keep wealth and affluence--or anything you want--circulating in your life. If our only intention is to hold on to our money and hoard it--since it's life energy, we will stop its circulation back into our lives as well. In order to keep that energy coming to us, we have to keep the energy circulating. Thus, the more you give, the more you will receive. The best way to put The Law of Giving into operation is to make a decision that any time you come into contact with anyone, you will give them something. It doesn't have to be in the form of material things; it could be a flower, a compliment or a prayer. In fact, the most powerful forms of giving are non-material. The gifts of caring, attention, affection, appreciation and love are some of the most precious gifts you can give, and they don't cost you anything.

3) The Law of Karma (or Cause and Effect) 

"Karma" is both action and the consequence of that action; it is cause and effect simultaneously, because every action generates a force of energy that returns to us in kind. There is nothing unfamiliar about the Law of Karma. Everyone had heard the expression, "What you sow is what you reap." Obviously, if we want to create happiness in our lives, we must learn to sow the seeds of happiness. Therefore, karma implies the action of conscious choice-making. Whether you like it or not, everything that is happening at this moment is a result of the choices you've made in the past. Unfortunately, a lot of us make choices unconsciously, and therefore we don't think they are choices--and yet, they are. If you step back for a moment and witness the choices you are making as you make those choices, then in just this act of witnessing, you take the whole process from the unconscious realm into the conscious realm. This procedure of conscious choice-making and witnessing is very empowering.You can use the Law of Karma to create money and affluence, and the flow of all good things to you, any time you want. But first, you must become consciously aware that your future is generated by the choices you are making in every moment of your life. If you do this on a regular basis, then you are making full use of this law. The more you bring your choices into the level of your conscious awareness, the more you will make those choices which are spontaneously correct--both for you and those around you.


4) The Law of Least Effort

This law is based on the fact that nature's intelligence functions with effortless ease and abandoned carefreeness. This is the principle of least action, of no resistance. This is, therefore, the principle of harmony and love. When we learn this lesson from nature, we easily fulfill our desires. In Vedic Science, the age-old philosophy of India, this principle is known as the principle of economy of effort, or "do less and accomplish more." Ultimately, you come to the state where you do nothing and accomplish everything. This means that there is just a faint idea, and then the manifestation of the idea comes about effortlessly. What is commonly called a "miracle" is actually an expression of the Law of Least Effort. Least effort is expended when your actions are motivated by love, because nature is held together by the energy of love. When you seek power and control over other people, you waste energy. When you seek money or power for the sake of the ego, you spend energy chasing the illusion of happiness instead of enjoying happiness in the moment. When your actions are motivated by love, your energy multiplies and accumulates--and the surplus energy you gather and enjoy can be channeled to create anything that you want, including unlimited wealth. There are three components to the Law of Least Effort--three things you can do to put this principle of "do less and accomplish more" into action. The first component is acceptance. Acceptance simply means that you make a commitment: "Today I will accept people, situations, circumstances and events as they occur." This means I will know that this moment is as it should be, because the whole universe is as it should be. The second component is responsibility. This means not blaming anyone or anything for your situation, including yourself. This allows you the ability to have a creative response to the situation as it is now. All problems contain the seeds of opportunity, and this awareness allows you to take the moment and transform it to a better situation or thing. The third component to the Law of Least Effort is defenselessness. This means that you have relinquished the need to convince or persuade others of your point of view. If you relinquish this need you will in that relinquishment gain access to enormous amounts of energy that have been previously wasted.

5) The Law of Intention and Desire

This law is based on the fact that energy and information exist everywhere in nature. A flower, a rainbow, a tree, a human body, when broken down to their essential components are energy and information. The whole universe, in its essential nature, is the movement of energy and information. The only difference between you and a tree is the informational and energy content of your respective bodies. You can consciously change the energy and informational content of your own quantum mechanical body, and therefore influence the energy and informational content of your extended body--your environment, your world--and cause things to manifest in it. The quality of intention on the object of attention will orchestrate an infinity of space-time events to bring about the outcome intended, provided one follows the other spiritual laws of success. Intention lays the groundwork for the effortless, spontaneous, frictionless flow of pure potentiality. The only caution is that you use your intent for the benefit of mankind.


6) The Law of Detachment

This law says that in order to acquire anything in the physical universe, you have to relinquish your attachment to it. This doesn't mean you give up the intention to create your desire. You give up your attachment to the result. This is a very powerful thing to do. The moment you relinquish your attachment to the result, combining one-pointed intention with detachment at the same time, you will have that which you desire. Anything you want can be acquired through detachment, because detachment is based on the unquestioning belief in the power of your true Self. Attachment comes from poverty consciousness, because attachment is always to symbols. Detachment is synonymous with wealth consciousness, because with detachment there is freedom to create. True wealth consciousness is the ability to have anything you want, anytime you want, and with least effort. To be grounded in this experience you have to be grounded in the wisdom of uncertainty. In this uncertainty you will find the freedom to create anything you want.


7) The Law of "Dharma" or Purpose in Life

The seventh spiritual law of success is the Law of Dharma. (Dharma is a Sanskrit word that means "purpose in life.") This law says that we have taken manifestation in physical form to fulfill a purpose. You have a unique talent and a unique way of expressing it. There is something that you can do better than anyone else in the whole world--and for every unique talent and unique expression of that talent, there are also unique needs. When these needs are matched with the creative expression of your talent, that is the spark that creates affluence. Expressing your talents to fulfill needs creates unlimited wealth and abundance. There are three components to the Law of Dharma. The first says that each of us is here to discover our true Self. The second component is to express our unique talents; the expression of that talent takes you into timeless awareness. The third component is service to humanity. When you combine the ability to express your unique talent with service to humanity, then you make full use of the Law of Dharma. The Seven Spiritual Laws of Success are powerful principles that will enable you to attain self-mastery. If you put your attention on these laws and practice the steps outlined above, you will see that you can manifest anything you want--all the affluence, money and success you desire. You will also see that your life becomes more joyful and abundant in every way, for these laws are also the spiritual laws of life that make living worthwhile.

Friday, November 2, 2012

Inspiring Stories by Steve Jobs

Transcript of Commencement Speech at Standford 

Given by Steve Jobs


I am honored to be with you today at your commencement from one of the finest universities in the world. I never graduated from college. Truth be told, this is the closest I've ever gotten to a college graduation. Today I want to tell you three stories from my life. That's it. No big deal. Just three stories.

The first story is about connecting the dots.


I dropped out of Reed College after the first 6 months, but then stayed around as a drop-in for another 18 months or so before I really quit. So why did I drop out?

It started before I was born. My biological mother was a young, unwed college graduate student, and she decided to put me up for adoption. She felt very strongly that I should be adopted by college graduates, so everything was all set for me to be adopted at birth by a lawyer and his wife. Except that when I popped out they decided at the last minute that they really wanted a girl.

So my parents, who were on a waiting list, got a call in the middle of the night asking: "We have an unexpected baby boy; do you want him?" They said: "Of course." My biological mother later found out that my mother had never graduated from college and that my father had never graduated from high school. She refused to sign the final adoption papers. She only relented a few months later when my parents promised that I would someday go to college.

And 17 years later I did go to college. But I naively chose a college that was almost as expensive as Stanford, and all of my working-class parents' savings were being spent on my college tuition. After six months, I couldn't see the value in it. I had no idea what I wanted to do with my life and no idea how college was going to help me figure it out. And here I was spending all of the money my parents had saved their entire life. So I decided to drop out and trust that it would all work out OK. It was pretty scary at the time, but looking back it was one of the best decisions I ever made. The minute I dropped out I could stop taking the required classes that didn't interest me, and begin dropping in on the ones that looked interesting.

It wasn't all romantic. I didn't have a dorm room, so I slept on the floor in friends' rooms, I returned coke bottles for the 5¢ deposits to buy food with, and I would walk the 7 miles across town every Sunday night to get one good meal a week at the Hare Krishna temple. I loved it. And much of what I stumbled into by following my curiosity and intuition turned out to be priceless later on. Let me give you one example:

Reed College at that time offered perhaps the best calligraphy instruction in the country. Throughout the campus every poster, every label on every drawer, was beautifully hand calligraphed. Because I had dropped out and didn't have to take the normal classes, I decided to take a calligraphy class to learn how to do this. I learned about serif and san serif typefaces, about varying the amount of space between different letter combinations, about what makes great typography great. It was beautiful, historical, artistically subtle in a way that science can't capture, and I found it fascinating.

None of this had even a hope of any practical application in my life. But ten years later, when we were designing the first Macintosh computer, it all came back to me. And we designed it all into the Mac. It was the first computer with beautiful typography. If I had never dropped in on that single course in college, the Mac would have never had multiple typefaces or proportionally spaced fonts. And since Windows just copied the Mac, it's likely that no personal computer would have them. If I had never dropped out, I would have never dropped in on this calligraphy class, and personal computers might not have the wonderful typography that they do. Of course it was impossible to connect the dots looking forward when I was in college. But it was very, very clear looking backwards ten years later.

Again, you can't connect the dots looking forward; you can only connect them looking backwards. So you have to trust that the dots will somehow connect in your future. You have to trust in something — your gut, destiny, life, karma, whatever. This approach has never let me down, and it has made all the difference in my life.

My second story is about love and loss.


I was lucky — I found what I loved to do early in life. Woz and I started Apple in my parents garage when I was 20. We worked hard, and in 10 years Apple had grown from just the two of us in a garage into a $2 billion company with over 4000 employees. We had just released our finest creation — the Macintosh — a year earlier, and I had just turned 30. And then I got fired. How can you get fired from a company you started? Well, as Apple grew we hired someone who I thought was very talented to run the company with me, and for the first year or so things went well. But then our visions of the future began to diverge and eventually we had a falling out. When we did, our Board of Directors sided with him. So at 30 I was out. And very publicly out. What had been the focus of my entire adult life was gone, and it was devastating.

I really didn't know what to do for a few months. I felt that I had let the previous generation of entrepreneurs down - that I had dropped the baton as it was being passed to me. I met with David Packardand Bob Noyce and tried to apologize for screwing up so badly. I was a very public failure, and I even thought about running away from the valley. But something slowly began to dawn on me — I still loved what I did. The turn of events at Apple had not changed that one bit. I had been rejected, but I was still in love. And so I decided to start over.

I didn't see it then, but it turned out that getting fired from Apple was the best thing that could have ever happened to me. The heaviness of being successful was replaced by the lightness of being a beginner again, less sure about everything. It freed me to enter one of the most creative periods of my life.

During the next five years, I started a company named NeXT, another company named Pixar, and fell in love with an amazing woman who would become my wife. Pixar went on to create the worlds first computer animated feature film, Toy Story, and is now the most successful animation studio in the world. In a remarkable turn of events, Apple bought NeXT, I returned to Apple, and the technology we developed at NeXT is at the heart of Apple's current renaissance. And Laurene and I have a wonderful family together.

I'm pretty sure none of this would have happened if I hadn't been fired from Apple. It was awful tasting medicine, but I guess the patient needed it. Sometimes life hits you in the head with a brick. Don't lose faith. I'm convinced that the only thing that kept me going was that I loved what I did. You've got to find what you love. And that is as true for your work as it is for your lovers. Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you haven't found it yet, keep looking. Don't settle. As with all matters of the heart, you'll know when you find it. And, like any great relationship, it just gets better and better as the years roll on. So keep looking until you find it. Don't settle.

My third story is about death.


When I was 17, I read a quote that went something like: "If you live each day as if it was your last, someday you'll most certainly be right." It made an impression on me, and since then, for the past 33 years, I have looked in the mirror every morning and asked myself: "If today were the last day of my life, would I want to do what I am about to do today?" And whenever the answer has been "No" for too many days in a row, I know I need to change something.

Remembering that I'll be dead soon is the most important tool I've ever encountered to help me make the big choices in life. Because almost everything — all external expectations, all pride, all fear of embarrassment or failure - these things just fall away in the face of death, leaving only what is truly important. Remembering that you are going to die is the best way I know to avoid the trap of thinking you have something to lose. You are already naked. There is no reason not to follow your heart.

About a year ago I was diagnosed with cancer. I had a scan at 7:30 in the morning, and it clearly showed a tumor on my pancreas. I didn't even know what a pancreas was. The doctors told me this was almost certainly a type of cancer that is incurable, and that I should expect to live no longer than three to six months. My doctor advised me to go home and get my affairs in order, which is doctor's code for prepare to die. It means to try to tell your kids everything you thought you'd have the next 10 years to tell them in just a few months. It means to make sure everything is buttoned up so that it will be as easy as possible for your family. It means to say your goodbyes.

I lived with that diagnosis all day. Later that evening I had a biopsy, where they stuck an endoscope down my throat, through my stomach and into my intestines, put a needle into my pancreas and got a few cells from the tumor. I was sedated, but my wife, who was there, told me that when they viewed the cells under a microscope the doctors started crying because it turned out to be a very rare form of pancreatic cancer that is curable with surgery. I had the surgery and

I'm fine now.

This was the closest I've been to facing death, and I hope it's the closest I get for a few more decades. Having lived through it, I can now say this to you with a bit more certainty than when death was a useful but purely intellectual concept:

No one wants to die. Even people who want to go to heaven don't want to die to get there. And yet death is the destination we all share. No one has ever escaped it. And that is as it should be, because Death is very likely the single best invention of Life. It is Life's change agent. It clears out the old to make way for the new. Right now the new is you, but someday not too long from now, you will gradually become the old and be cleared away. Sorry to be so dramatic, but it is quite true.

Your time is limited, so don't waste it living someone else's life. Don't be trapped by dogma — which is living with the results of other people's thinking. Don't let the noise of others' opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary.

When I was young, there was an amazing publication called The Whole Earth Catalog, which was one of the bibles of my generation. It was created by a fellow named Stewart Brand not far from here in Menlo Park, and he brought it to life with his poetic touch. This was in the late 1960's, before personal computers and desktop publishing, so it was all made with typewriters, scissors, and polaroid cameras. It was sort of like Google in paperback form, 35 years before Google came along: it was idealistic, and overflowing with neat tools and great notions.

Stewart and his team put out several issues of The Whole Earth Catalog, and then when it had run its course, they put out a final issue. It was the mid-1970's, and I was your age. On the back cover of their final issue was a photograph of an early morning country road, the kind you might find yourself hitchhiking on if you were so adventurous. Beneath it were the words: "Stay Hungry. Stay Foolish." It was their farewell message as they signed off. Stay Hungry. Stay Foolish. And I have always wished that for myself. And now, as you graduate to begin anew, I wish that for you.