Surveys tell us that that 60-80% of New Year’s Resolutions are broken in the first two weeks. This information is not encouraging and, of course, it may not refer to you. However, resolutions don’t seem to work that well. What does work well are clearly defined goals with a plan of action.

The year is about to close and it’s only natural for us to begin reflecting on how the past year really shaped up. No matter how much or little success you experienced during the past 12 months, think about these questions: "Was my year all that I planned it to be? Did I really achieve ALL my goals? What can I do differently to make this year even better? " How can I crash through my barriers with a firm intention that will carry me to what I really want and still enjoy the trip? Questions like these fuel your momentum for success and ensure that your mental state is where it needs to be for maximum results.

Start fresh by setting new goals and making changes to improve virtually every area of your life. For you to succeed think about the closed doors or barriers that seem to prevent your success. Perhaps these doors are not really locked. Perhaps all they need is a different approach.

Harry Houdini traveled the world having local jailers lock him in a cell. He would invite the press, demonstrate his feats, and they would write great things about him. He was a rousing success until he got to one town in Ireland. As hours passed he could not escape. The crowd left ridiculing him and called his "act" a hoax.

When a dejected Harry asked to be released, the jailer gently pressed against the door, which easily opened. It seemed it was never locked. Every time Houdini went to unlock the cell, he locked himself in.

Do you have a Houdini door in your life? When you are totally committed to your dream, a dream that will improve the quality of your life, the doors that seem to be blocking you will swing open and you will find yourself living the life you have always wanted.

"Dream lofty dreams, and as you dream so shall you become. Your vision is the promise of what you shall one day be; your ideal is the prophecy of what you shall at last unveil." -James Allen-

Allan and Barbara Kenyon are Personal and Business Coaches who help their clients live their dream life. Allan was a certified instructor for eighteen years with the Carnegie organization and he received coach training with Coach Training Institute. Barbara holds a Masters Degree in Counseling and is a Graduate of Coach U. The Kenyons work with success-minded men and women who want to achieve their personal or professional goals faster than if they were to go it alone. Their clientele include professionals, executives, entrepreneurs, business owners, sales people, and people in transition. Their coaching focuses on goals in the areas of career, money, retirement, health, relationships, getting organized, and life balance.

The Kenyons offer a 30 minute complimentary telephone coaching session so potential clients can decide if their coaching is for them. They can be reached at 402-423-6777 or by E-mail at KenyonCoaching@aol.com. Their website is http://www.kenyoncoaching.com.

To get what we want in life we need to have a plan. Goals are an important part of making plans and being successful. If we want to lose weight, we need to set goals and have a plan. If we want to be fit, we need to set goals and have a plan. If we want to have less stress, we need to set goals and have a plan. You’ve heard that saying? “She that fails to plan plans to fail.” So how can you plan to succeed? You need to start by setting goals following the S.M.A.R.T. formula.

Most people say things like, “I want to be thinner” or “I want to get fit” or “I want to be healthier, happier, less stressed etc.” These are not goals you can plan to achieve. They are wishes or desires. S.M.A.R.T goals are:

S = Specific M = Measurable A = Action Based R = Realistic T = Time Bound

Be specific about what thinner, fitter, healthier or less stressed means to you. Make your goal something you can measure. Being thinner means losing how much weight or being fitter means running how many kilometres? What does less stress involve for you?

Make sure you will get into action about your goal by basing it on a true desire. If you are not excited about your goal, find ways to make it more fun. If you’re trying to lose weight then save all the money you usually spend on chocolate and put it towards the reward of a holiday or new clothes.

Be realistic about your goal. Losing two or three kilos a week may be difficult and unhealthy, so plan to aim to lose a half a kilo or one kilo a week instead. If the goal is realistic you will stick to it.

Lastly make your goal time bound by giving it an end date. This gives your goal a sense of urgency and makes you get into action about it. Keep this date realistic.

This week look at your goals and make them S.M.A.R.T. “I will lose 20 kilos by January 28th 2006” “I will be able to run 5 kilometres in 15 minutes by February 16th 2006” Above all don’t fail to plan. Plan to succeed!

"Lisa Branigan is a certified Life Coach helping successful women create a less pressured, more enjoyable lifestyle." She is a speaker, writer, new coach mentor, regular guest on ABC radio and contributor to magazines and newspapers. Lisa enjoys coaching women to improve their health and life in personal phone sessions, working with leaders in acquiring coaching skills for professional use and helping new coaches feel the fear and do it anyway!

Contact Lisa for a "FREE" 30-minute phone coaching session and get started on achieving your goals today!

Email: lisa@quantumcoaching.com.au
Website: http://www.quantumcoaching.com.au/

The basics of setting a goal is an open secret known by top-caliber athletes, successful businessmen and businesswomen, and all types of achievers in all the different fields. The basics of setting goals give you short-term and long-term motivation and focus. They help you set focus on the acquisition of required knowledge and help you to plan and organize your resources and your time so that you can get the best out of your life.

Setting clearly defined short term and long term goals will enable you to measure your progress and achieve personal satisfaction once you have successfully met your goals. Charting your progress will also enable you to actually see the stages of completion leading to the actual realization of your goals. This eliminates the feeling of a long and pointless grind towards achieving your goal. Your self-confidence and level of competence will also improve as you will be more aware of your capabilities as you complete or achieve your goals.

The basics of goal settings will involve deciding what you really want to do with your personal life and what short term and long term goals you need to achieve it. Then you have to break down goals into the smaller and manageable targets that you must complete in your way to achieving your lifetime targets. Once you have your list waste no time in tackling your goals.

A good way to have a manageable list is to have a daily and weekly set of goals. By doing this you will be always in the position of going towards you life plan goals. Everyday will give you the opportunity to fulfill a certain goal giving you the feeling of accomplishment.

Here are some pointers that should be taken into consideration in setting goals and achieving them.

Attitude plays a very big role in setting and achieving your goals. You must ask yourself if any part of you or your mind holding you back towards completing your simplest goals? If there are any part of your behavior that is being a hindrance or puts your plans into disarray? If you do have problems in these areas then the immediate thing to do is to address this problem. Solutions may include a visit to a doctor or psychiatrist to control your emotions.

Careers are made by good time management practice. Failing in a career is often attributed to bad time management. Careers require a lot from an individual which often makes the career the life of the individual. Plan how far do you want to go into your career.

Education is key in achieving your goals. If your goals require you to have a certain kind of degree or require a certain specialization or demand a certain skill to be developed, make plans in getting the appropriate education.

Your family should never be left out of your plans. If you are just starting out then you have to decide if you want to be a parent or when you want to be a parent. You also have to know if you really would be a good parent and how well would you relate to extended family members

Personal financial situations also play a major role in achieving your goals. Have a realistic goal on how much you really want to earn. You also must be able to create plans or stages by which you will be able to reach your earning potential.

Physically gifted individuals may be able to achieve sports related goals like being in the National Basketball association or National Football League. Determining your physical capabilities should be one of your priorities. Physical limitations could however be conquered with proper planning.

As the saying goes -’All work and no play makes Jack a dull boy’, or something to that effect, is by all means true down to the last the letter. Giving yourself a little pleasure: should be included into your plans.

To start achieving your lifetime goals, set a quarter of a century plan, then break it down to 5 year plans then break it down again to 1 year plans, then 6 month plans then monthly plans, then weekly, then daily.

Then create a things-to-do list for the day.

Always review your plans and prepare for contingencies.

The basics of goal settings should not be so difficult once you get to be familiar with them.

Dr Schoeffel is the creator of Self improvement guide You’ll find useful informations, articles and resources to every aspects of self improvement and personal development. Here is the address: http://www.self-improvement-guide.com

Here’s something for January besides the usual diet promises. The start of the calendar year is a wonderful time to celebrate life and new beginnings. It is no wonder so many of us choose this time to set goals for ourselves. Most of us define goals as objectives that are within our control to obtain. Wishes, on the other hand, are our hopes and our dreams. It might seem impractical, but we still throw pennies into fountains and long for our wishes to come true. Here, we offer a different take on the standard New Year’s resolutions. Introduce your family to goal setting in a fun, child-friendly way.

Begin at dinner by discussing your own wishes and asking other family members to do the same. Give everyone a day or two to organize their thoughts, then gather in the room where your family feels most comfortable and begin to write. Let each person write as much (or as little) as they want. Leave a piece of paper on the breakfast table or in the car in case someone is suddenly inspired. Remember that dreams are very personal. Encourage everyone to share ideas without adding the slightest criticism or suggestion. Let your enthusiasm motivate you. By writing and sharing your dreams you make them real. Let your enthusiasm motivate you. Often, the greatest reward is not the destination but the journey itself. This New Year commit to building your own family traditions.

Here, we offer a child-friendly way to help families visualize their goals.

The Wishing Tree

The start of each calendar year is a wonderful time to celebrate life and new beginnings. It is no wonder so many of us choose this time to set goals for ourselves. The wishing tree visually proclaims your hopes for the future. Have family members inscribe thoughts on colorful ribbons. Tie the ribbons to a barren winter tree. Listen to them whisper their messages as they flutter in the wind.

Directions
You will need:
8 x 11-inch colored card stock
A hole punch
String
Scissors

1. Let each person choose a different color of bright card stock. The sheets should be 8 x 11-inches. You will need several sheets of each color.
2. Cut strips 2-inches wide by 8-inches long. Using a hole punch, make a hole at the top of each strip.
3. Cut a 10-inch length of string for each colored tag. To make a loop, thread one end of the string through the hole and tie a knot.
4. Have each family member write their wishes on the tags.
5. Hang the wishes over the branches of a designated tree and announce your dreams to the world.

You have permission to reprint this article electronically or in print, free of charge, provided that each article is:
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4. And the following byline appears at the bottom of each article:
About the Author: Rondi Hillstrom Davis is the co-author of the award-winning book Together: Creating Family Traditions. To check out her website that’s jam packed with family ideas, visit http://www.togetherparenting.com

About the Authors Janell Oakes and Rondi Davis are co-authors of the award winning book, Together: Creating Family Traditions. They want to give you the most important gift you can give your family. You can be a part of an irresistible offer available for one day only.
http://www.TogetherCreatingFamilyTraditions.com

They’ve asked several of their friends to join in making available hundreds of dollars of complimentary gifts as a special present to you.
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We don’t want you to miss out on this amazing 24 hour offer.

"The key to realizing a dream is to focus not on success, but on significance." - Oprah Winfrey

What if true fulfillment could be found not in what we achieve, but in the significance of what we do?

Often, when we think about setting goals for ourselves, we think about what we could have or do that would bring us great success. We dream of a promotion, being on TV, winning the lottery, going on exotic trips, and of the proverbial, shiny red corvette. All these things represent a form of success that we imagine being available for ourselves.

It seems reasonable that winning the lottery or getting a new car would increase our standard of living. After all, who couldn’t use more money or a better car? However once we’ve made it to one level of success, we rarely take a moment to appreciate it before moving on to the next. The material object we desire has been captured, and the chase is over.

It is instances like this where we have failed to make a true difference in our own lives. By focusing on objects of success, rather than objects of significance, we have created a continuous cycle of disappointment.

How is focusing on success different from focusing on significance?

We all have a slightly different idea of what success is, based on our own opinions of what it takes to have, be, and do ‘more’ or ‘better.’ In this sense, the things we feel successful about are measurable things in our life. Getting the promotion means we have succeeded in acquiring a measurable result. Winning the lottery is a measurable result, as is making it onto Jeopardy(tm), visiting Nepal, or owning a corvette.

We also have our own opinions of what is significant in our lives. Our families, friends, spiritual commitments, and health are just a few examples. Sometimes we sacrifice experiences and actions that would make a profound impact in what we would consider significant in our lives, because we are blinded by the more appealing, "successful" solution that will make us look really good.

If your dream is for your children to grow up to be healthy, have solid values, and be productive citizens, which would make a more significant impact in their lives? You getting a high-paying job where you travel a lot and aren’t home often, but have plenty of money to pay the bills, treat them to movies, and pay for their college tuition? Or would your dream more significantly be fulfilled by taking on a lower-paying job where you are home more, available to spend time with them creating memories, and allowing them to take on the responsibility of paying their way through school?

Neither of these options is "right" or "wrong", but they will each have a very different results. Each year millions of parents make decisions just like this, and many opt to be financially successful, because they equate having money to being a good parent. They were brought up, perhaps not having a lot of money, and recognize opportunities that they can make available to their kids using money as a tool.

For another example, let’s say that since you started your marketing firm, your dream has been to help home-based businesses reach their market expansion dreams. Like all marketing and media firms, you are bombarded with opportunities to win awards and prestigious recognition for the work you do. The issue is that in order to win the awards and gain much desired exposure, you must alter the way you do business.

Will you continue to run your business in a way that significantly impacts the lives and futures of your clients? Or will you choose to chase the images of success that lie in awards and recognition? Is it possible to do both and still fulfill upon your mission?

If your dreams are a classroom, significance is the genuine learning experience, and success is a standardized test. While you are experiencing true learning and growth, you might learn what you need to ace the test, but when you teach only for the test, you miss out on a lot of wonderful experiences that aren’t related to the final exam.

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Kimberly D. Wells specializes in goal setting and achievement. Find out more about the BE SMART Goal Achievement System at http://www.besmartgoals.com, or visit Kimberly’s Blog to receive one-on-one goal setting advice: http://besmartgoals.blogspot.com
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“If one advances confidently in the direction of his dreams, and endeavors to live the life, which he has imagined, he will meet with a success unexpected in common hours”. - Henry David Thoreau

The headlines shouted, “Easy Steps to Organization.” As I stand in the supermarket checkout line, one magazine issue right after the other expounds the virtues of being organized. Everyone is writing about getting organized and even TV reality shows chatter about the possibility of getting clutter under control.

Is it as easy as the magazine articles and TV programs claim? Sometimes yes, but most often no. Reaching your goal to get and stay organized (or any goal you choose) depends mostly on your dream and the strength of your commitment. In other words, how badly do you want it? Is it just a wishful thought or a vision built upon an action plan?

A top New Year’s resolution is to get organized. Every year on January 1, millions of people resolve to do a better job at decluttering and every year millions of people reach July still wishing they were better organized. How are you doing with your resolutions? Are you steadily progressing toward your goal or still hoping to find the time to start the project?

Why do so many people struggle with getting organized and never reach their goal? The answer is simple – self-imposing obstacles! Obstacles are the constraints we place upon our dreams that prevent us from moving forward. Many people begin with high hopes and end up with “excusitis” – a disease of making excuses when things do not end up the way we dreamed. Excuses range from not enough time, not enough money, not enough education, not enough help, not enough____ . You fill in the blank. Face reality! An excuse is just that, an excuse for you to not keep a promise made to yourself.

Sharing in a Dream

My older son has a scuba diving facility in Florida. His dream was to build a business that would allow him to share his passion of the underwater world. For three years, he and his wife have worked day and night to achieve their goal. By the way, my son started to swim when he was 6 months old and loves to tell people he was born with gills. Should I wonder why he chose a profession in the water?

Over the years, I have watched him grow in his skills and observed his continued learning process. He is now one of a few scuba instructors working with physically challenged individuals - OurOceanDreams.com

My son had a dream, a commitment and a plan. By systematically executing his action plan, he attained success. I watched this process and got caught up in his enthusiasm. When he broached the subject of me learning to scuba dive and share in his passion, I said yes. Now, I had a dream, a commitment and a plan.

Participating in a home study program, I read the book and watched the DVD before heading to Florida to complete the pool work. Finally, the day arrived and we boarded a plane for Bonaire where I discovered just how deep my commitment would be. Believe me, it was a mountain of fear to overcome – physically, mentally and emotionally. On the fourth day and after completing the list of qualifications, my son pulled out his underwater slateboard and wrote, “Congratulations, you are now a scuba diver and I’m proud of my Mom.”

It was a dream with lots of obstacles. But, the goal was clear and each obstacle was surmounted. Yes, I am now a certified scuba diver. Most obstacles are fear driven. When we face those fears, we can climb over, under, around or through each obstacle we meet. It can be done!

Summary – Think Big!

It is time to review your goals Are you on the right path or have you stumbled into the bushes? What is stopping you from reaching your goal?

I have learned that the only thing that stops people from achieving their dreams is the size of their thinking. So start to think big! How big you think determines the size of your accomplishments.

And, here is another truth – action cures fear. In other words, just do it, as Nike tells us. Put on those shoes, fins or skates and take the first step. What is holding you back? Are you fearful of the process or the results of decluttering? Just start! Sit down at your desk and start the clearing process. Pull out those clothes from the closet and start purging. Head to the basement and decide what is important enough to keep and occupy the valuable space.

Action is a confidence builder and tool for success. As David Schwartz, PhD states in “The Magic of Thinking Big,” an idea without action is a car without an engine. Successful people have ideas, develop an action plan and follow through.

Get in contact with me if you need help in the process. You will succeed if your commitment is strong.

Clutter can entangle you in chaos and confusion and plunge you into depression. Clutter has a negative effect on all aspects of your life – physical, mental and emotional. It traps you into living in the past, fearful of the future. Take the steps to eliminate clutter and rejoice in your peaceful surroundings. With the help of Judith Ann Kirk you will learn to eliminate stressful clutter and find joy in your surroundings.

Note: This article was originally written at mid year so it is good reminder around June but the principles are applicable anytime.

In a sporting event, the players are given a break at the half in order to refresh themselves, look at how they played in the first half, and set strategy for the second half. So as you approach halftime, here are some thoughts. Do you have a vacation planned in the next two months that will give you the needed break and refreshment? If not, schedule one this week! How did you "play" in the first half of this year? Have you met your goals that you established at the beginning of the year? Here are a few ideas to evaluate where you are at with your goals as you approach the halfway mark.

Take some time to sit down alone and review your goals. How many are you on mark to make? How many have you not even begun on? How many have you achieved?

For those you haven’t even begun, my suggestion would be to reset your goal at 10 percent of the original goal. Obviously this goal hasn’t been a priority, for whatever reason, and most likely won’t suddenly become so. But you can make some ground. Set a small increase for the remaining six months and get ahead a little in these areas.

For the goals you are on pace to achieve, try to stretch about 10 percent. So, to give it a numerical value, if your original goal was 10 and you have already reached 5 after halfway, stretch yourself to try to achieve 11 by the end of the year. This will give you a good reason to kick into high gear as the year progresses.

For those goals you are on pace to break strongly through, try an increase of 50 percent.

And finally, for the goals you have already reached, try to set the new goal at 100 percent of the original goal.

In all of these remember that it is better to try hard, and even fail at a higher goal, than to take the easy route and attain nothing at all!

Best of luck as you re-evaluate your goals!

About The Author:

Chris Widener is a popular speaker and writer as well as the President of Made for Success, a company helping individuals and organizations turn their potential into performance, succeed in every area of their lives and achieve their dreams.

To see Chris "live" at the upcoming Jim Rohn Weekend Event as he speaks on the subject of Secrets of Influence go to http://Chris-Widener.InspiresYOU.com/ or call 800-929-0434

Brainstorm

Get yourself in a quite place where you are not likely to be disturbed. Let your mind focus on these questions:

What would you like to accomplish in the next two years? What would you like to change? What would you like to be? What would you like to have? What would you like to do? Where do you want to go? What would you like to contribute?

Now spend 5-10 minutes writing down whatever goals come to mind. For this exercise, there are no limits. Let the ideas come freely, without evaluation. Don’t just think about them, write them down. Remember, the weakest ink is better than the strongest memory. Come up with as many goals as you can. Now you are ready to…………

Decide - on two things:

1) Choose one goal from the brainstorming list that you most want to accomplish in the next two years, and

2) Decide it will happen. Decide that no matter what, you will get this goal sometime in the next two years.

This is a very powerful decision to make. Because change can occur in an instant, deciding that you will get this goal begins the process of change, and begins to build momentum.

To continue building momentum, now it’s time to………..

Do

Do all the necessary things to make it happen. One way to do this is to work backward from your deadline to now. For example, if your goal is to save a certain amount of money by the year 2000, how much will you have to save each year, each quarter, each month, each week, each day? In this way, you are able to break a rather large goal down into daily actions. Remember, once you set and commit to a goal, you can only have two results: you get the goal or you have excuses why you didn’t.

Distinguish

Distinguish between what is working and what is not. If what you are doing is working, keep doing it. If what you are doing is not working stop doing it and try something else until it works.

Visit The Article Guy for more leading edge tips and tools for writing articles that bring you prospects, publicity and profits. You can also subscirbe to our monthly Article Empire Tips Newsletter. You are also invited to visit my Express-Start Article Writing Program for more information on the next article writing tele-seminar.

The Law of Can’t

You cannot achieve a goal that you do not have. That sounds so obvious, but we so easily forget it. We have wishes, desires, or dreams, but then don’t turn them into goals. And then we wonder why we don’t make progress toward our wishes, desires, and dreams.

The Law of Dreams

It’s been said that “a goal is a dream with a deadline.” One of the keys to successfully achieving goals is to have a deadline that other people know about. This will help hold you accountable. And then if you really want to change your life, achieve the goal before the deadline.

The Law of One at a Time

When you are first learning how to set and achieve goals, it’s best to start out with just one. This will allow you to:

focus on one goal at a time avoid getting overwhelmed experience the success of achieving a goal build momentum for the next goals

Remember, we all have to walk before we run. As you strengthen your goal setting muscles, you’ll be ready to add more and work on several at the same time.

The Law of “Too Many”

Mark Victor Hansen, author of “Future Diary” encourages people to have “too many goals.” Having an abundance of goals encourages our mind to be more and more creative in finding ways to reach all the goals.

The Law of Ink

“The dullest ink is stronger than the sharpest memory.”

In other words, write your goals down. Commit them to paper. Writing them down means tells your brain that you are serious.

The Law of Slipping

This is where lots of folks begin to lose sight of their goals. No matter how much we want to change something, it’s human nature that we will slip up now and then. The danger when we slip up is to say “Well, I blew. I might as well just give up.” Wrong. You fell off the horse, brush your self off and get back on it. This leads to……..

The Law of Action

Never leave the place where you set a goal without taking some action toward it. This prevents the number one goal stealer, procrastination from setting in and creates momentum toward your goal.

The Law of Celebration

Remember that one of the most important tasks in life is to enjoy what you have achieved. When you meet a goal, have a goal celebration. Besides having fun, celebration builds momentum to set and get more goals.

Visit The Article Guy for more leading edge tips and tools for writing articles that bring you prospects, publicity and profits. You can also subscirbe to our monthly Article Empire Tips Newsletter. You are also invited to visit my Express-Start Article Writing Program for more information on the next article writing tele-seminar.

Let’s face facts. Anyone who wins at anything – whether it’s winning an Olympic gold medal, building a successful and profitable business or losing weight and keeping it off – must develop a winning routine.

So what’s it going to be? Do you have some goals you want to accomplish? Are you willing to develop a winning routine to accomplish them? If so, here are some guidelines for how to go about it.

The first step is to Make a Commitment. “Yes, I really want to do this and I’m willing to commit to go for the ‘gold’ 100%.” But, think about it first. Don’t just say you’re ready to commit, if you’re not.

Earl Nightingale said, “Successful people are those who are willing to do the things that failures don’t like to do – which are the same things that none of us like to do.” So, in order to get yourself to “do the things that none of us like to do,” accomplishing the goal must be important enough to you that you’re willing to establish some new behavior and winning routines.

Once you’re committed, Do Your Research. Don’t just rush into action randomly. Look at the goal rationally. Listen to what the experts say. Find out what’s worked for others. Whether you like the advice or not, if your commitment is strong enough you’ll be willing to do what it takes to accomplish your objective. But, first you have to find out what it takes.

Next Create a Strategic Plan. Any plan has to be clear and concise – “Do this, then this, then this.” However, it must also be flexible enough that, if it’s not working or you get some new information on how to achieve your desire, you can change your tactics in midstream.

After you make a commitment, do your research and make a plan, it’s time to Get into Action. As Woody Allen said, “90% of success is just showing up” (or taking action). But, random action is usually a big waste of time and energy. For best results, you should complete steps 1, 2 and 3 before taking action.

Lastly, Establish a Routine. For your actions to turn into a routine, you need to do them everyday, day after day. For example, brushing and flossing your teeth daily is a winning routine. So is balancing your check book, eating your vegetables, expressing appreciation to the people you care about, cleaning your bathroom, exercising every day, etc. These are all simple winning routines that you may have already developed. If you think about it, you might realize that you don’t like to do them. But, because you like the results and benefits you get, you established these routines and, most of the time, you do them without even thinking about whether or not you like the routine.

You can follow this same process with any goal – no matter how difficult. By persistently focusing on your intention, you can discover how to develop a winning routine that will pay off in big dividends by eventually taking you directly to your target. That’s the way you or anyone wins “the gold.”

Katie Byrd will take you by the hand and teach you the skills she’s used to journey from a financially strapped, bad credit nightmare to debt free abundant living. To find out more visit: http://abundanceandwealth.bellaonline.com