Based on years of experience in the employment field, and augmented by the inexhaustible sources of information from numerous resources, I offer you a review of RETIREMENT PLANNING that you can consider and compare against whatever retirement efforts you may have already undertaken. In this review, we’ll identify the real advantages and details of sound retirement planning elements that many millions of employees and self-employed individuals rely on as a regular part of their workplace experience.

Those elements below will be in the form of questions and queries about your current status relating to the elements. Your answers will reveal how effecient, or not, your retirement planning has evolved. If your answers are lacking, then the questions themselves expose a map to implement a sound retirement strategy to fit your circumstances.

To start, lets consider PRIMARY ACTIONS one should consider for a secure retirement:

1. Create your individual retirement needs list.
2. Begin a step-by-step plan for reaching those retirement goals.
3. Assess your current assets.
4. Begin to build up savings.
5. Find good professional financial advisers
6. Learn about how to make the most of tax strategies

Let’s look closer at what the government has to say about it; from the Pentagon Federal Credit Union: “Now more than ever before, Americans are changing employers, indeed careers, several times during their lifetime. To adequately prepare for your future, it is important for you to establish, and manage, your own retirement plan. With the secure days of drawing from a hefty pension plan from one company gone, you may find that you must rely on several sources of income during retirement. These sources may include a company pension, Social Security, investment income, savings, part-time work, the sale of assets, and others. The sooner you begin planning for and contributing to your retirement, the better off you will be. Only you can determine whether your retirement will be spent counting pennies or living life to its fullest.”

Now, let’s consider some SPECIFIC CONSIDERATIONS that will affect your retirement: For instance, at what age will you retire? Or… how many years do you have for creating retirement savings? The answers to those two questions help to form much of your retirement strategy.

Next, put the results down on paper – actually create a retirement worksheet from which you can refer to as you make your way through the other elements you should consider. There are some free resources that you can access to help you create such a worksheet. For instance, the Pentagon Federal Credit Union web site offer a retirement worksheet. Go to Google search and input the keywork-phrase “Planning your retirement.” Resource Center: Planning for Your Retirement is typically the 7th or 8th link on the first page of search results. In that article, there is a link on the first page to the Retirement Planning Worksheet.

Some of the starting points to consider are: Your company’s Retirement Plan and what it offers. Often your 401K IRA (usually with company matched contributions) will give you the most for your money. Contribute what you can afford.

Other company choice often include Annuities and Mutual Funds. If you don’t have a company plan, or you’re maxed on your contributions, you would do well to consider Annuities and Mutual Funds. Annuities feature fixed annual return rate, and are considered by many the most secure investment. Many insurance companies sponsor annuities. Mutual funds feature higher returns, but they are more volatile, therefore more risky. Many investment professionals consider Mutual funds in the same risk category as stocks. A good strategy for minimizing the risk when investing in mutual funds, is to spread any investment across a number of different funds. Both annuities and mutual funds pose some risk to your initial capital investment. You should always bear in mind, that financial risk is inherent in any investment venture.

Another choice is to set up an Individual Retirement Account (IRAs). Traditional IRA accounts are well known. Traditional IRAs are considered Low risk. To begin with, they are federally insured. IRAs also carry significant tax advantages. Another choice is a Roth IRA. Roth IRAs are available to many who do not qualify for Traditional IRA because of participation in a company retirement program or because of income considerations. You may contribute to a Roth IRA until age 70.

As you continue to consider your personal Retirement Plan, remember to assess your financial state. There are a number of factors to be considered in making that assessment. For example, the amount of money you have in your savings; your net worth; what Real estate you may own; your stock portfolio, if you own any stocks; Bonds; Insurance policies; Valued possessions; your combined Income totals.

Don’t forget to establish your retirement goals. At what level do you want to live in retirement? Most folks require a 25-30 year budget for you total retirement dollars; but that doesn’t fit all needs. Be specific and rational.

Another important step is to determine how you will manage your assets. Investment asset management falls basically into three categories: budgeting and growth and savings.

Budgeting. Your retirement must be as much a priority as food and bills. Financial considerations and decisions must be viewed from the perspective of the potential impact on your retirement.

Growth. With retirement security as a major driving force, active management of assets becomes important. Consider finding a personal financial adviser you trust.

Building Up Your Savings. Savings are the best “hedge” against the future – there’s nothing like cold, hard cash. A savings plan is very helpful – For example, budgeting a certain amount from every paycheck to be deposited in your savings, and insuring that the deposits are made on a regular basis. Savings can also be a ready resource for further investing at any time.

Now let’s consider: Finding Professional Financial Help. There are thousands of financial firms that cater to individuals. You should research, reliable, well-known firms and interview their people to find one you trust.

And what about creating customized Tax Strategies? Each of the avenues we’ve discussed has tax advantages and/or liabilities. The laws are many, and can be confusing. Consider an independent class on retirement planning to educate yourself, so you don’t have to rely blindly on professionals who live on commissions for their advice.

Creating a Retirement Plan - Creating a Retirement Plan can be a daunting task. It can seriously impact the quality of your life in your golden years. Consider continuing education courses, to stay on top of strategies, trends and legislation that will impact your retirement investments. Such courses are offered through Community Colleges and online organizations (many offering Continuing Education Units).

By addressing the aspects of retirement planning and management reviewed herein, one can determine the value of their current retirement situation, or verify some alternative avenues for retirement that may fit a specific circumstance. Don’t neglect your retirement or put it off till later in your career. There are choices available for all levels of income. The information reviewed here could help to start you on a path towards a secure retirement.

Mark Baber has 20 years experience as an Executive Search recruiter, with placement background in many industries, including: Retail, Manufacturing, Sales, Accounting/Finance, MIS/IT, Petro/Chemical, and others; enjoying client relationships with firms like WalMart, OfficeDepot, Texaco, CircleK and other national and international firms. Mark has written many articles and books on recruitment and other topics, like Marketing strategies, Sales psychology, Training and other business related subjects. He studied at the University of Texas, focusing on Communications, Marketing, and Journalism. Later became Managing Editor for "Treatment Today Magazine," a publication focused on psychology, psychiatry, counseling, and drug treatment. Mark Baber is Recruit Consultant to http://www.JobNewsRadio.com where Jobseekers access 2 Million job transactions monthly, and can submit their Resumes Free and have them distributed freely to Employers they choose by industry, vocation, City or Region. Or submit your resume directly via: http://www.mcbaber.com

Many people go through their daily lives feeling overwhelmed. There are so many things to do and there never seems to be enough time or energy to do them all. Is this how you feel about your business, career, or life?

Have you promised yourself that this month you are going to make some serious changes but you just aren’t sure what those changes need to be?

Think about laying out a vision, but make it a big vision. One that encompasses your passion in life and the gifts you have come to share. No matter what the focus of your business or career you have a lot to offer. You are unique and only you can contribute your strengths in your special way. Whether it’s staying at home and raising a family, making the best widget there is, the CEO of a company, a manager in IT… Life is not a dress rehearsal so create your vision of what you really want and then take inspired action steps to attract it to you.

Don’t think of creating a little vision for your life, it’s time to stop thinking small. You will also need to let go of the excuse that you don’t have enough time. When that comes to mind think of this quote from Life’s Little Instruction Book, compiled by H. Jackson Brown, Jr. "Don’t say you don’t have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michelangelo, Mother Teresa, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein."

These are the same steps I take with my clients to help them make the changes in focus and habit that bring them meaningful results. First you must be willing to take action.

Without changing your focus and habits you will never be able to change the results.

Without taking action you will never move forward and reach the results you want. Coaching is about getting results; listening to what the client really wants and working together, setting out the measurable steps to be taken that result in action and success.

You are responsible for the momentum; it will be up to you to take the actions on your own unless you choose to have the support, encouragement, guidance, and accountability that a coach provides.

Without the forward momentum and inspired actions it’s just a good thought. In order for your business to be successful, to be happy and fulfilled in your career, or prosperous and content in your life you need to have one common thread. Vision.

The process of creation starts with a thought, a great idea, a passionate want, or a dream of something magnificent to achieve. These are the intangible sparks that ignite our drive to move forward and turn the intangible into our reality.

Begin by brainstorming on paper, yes you must write it down to bring clarity, to make it real.

The first brainstorming session should be free flowing, don’t edit your thoughts or ideas. If you are working on your personal vision and your work vision to define what you want and how you want to spend your time, start with the personal vision.

This will give you absolute clarity about what is important to you, what you want, what are the things in your life you are passionate about and that make you feel fulfilled.

Then from there you can create the vision of your ideal business or career and take action to bring want you really want into your life.

Focus on what you really want, be very specific. Don’t just say you want lots of money, a nice home and no stress. Create a picture in your mind of exactly what you want down to the color of the carpet and the list of clients, and then using words draw that picture until your vision is clear.

For example:

I want a profitable and fulfilling holistic health practice.

I want to see clients in three different specialties plus passive income revenue streams.

A full successful practice will have 30-40 clients.

I will work five days a week between noon and six devoting the rest of the day to self-care, gardening, exercising, and spending time with family and friends.

I will make 100,000 a year and take 5 weeks vacation throughout the year.

I love to learn so I will spend 3 weeks a year in educational workshops and training programs to advance my career and myself.

I have several tape sets, workbooks, & learning products that fit into my personal and vision statement providing my clients excellent value and tools that help them to get on track with their lives.

These products are very rewarding to me because I can make money without having to be there. Making a contribution and improving people’s lives is very important to me so this is always something I carry out in my business practices and my community involvement.

I have redesigned my home to be bright and airy and laid out the gardens for ease of care, and to provide color and fragrance from my flowers and tastes and aromas from my organic vegetables. I avoid stress by focusing on the positive and focusing my energy on the things that are really important to me and just let the rest go.

You create what you put your energy on. If you concentrate on all the things you don’t want on all the things you don’t have enough of that is what you will create more of. Start creating what you do want.

Start with your vision; clearly lay out your life, career, and business vision and then take the steps to make it your reality. One of the steps might include hiring a coach to make it happen faster for you.

About The Author

©BZ Riger-Hull.www.in-spiros.com For valuable free articles, assessments, & practical success toolsmailto:A1@smartautoresponder.com Certified as a Success Coach, “Four Agreements” Facilitator, & Tele-Course leader We help you communicate powerfully, reduce stress, Strategically Attract success, & increase your financial well-being.

bz@in-spiros.com

I am going to write to you about a time-tested great way to start your New Year. You guessed it – making your list of monthly and yearly goals.

The business philosopher Jim Rohn said that, “The major reason for setting a goal is for what it makes of you to accomplish it. What it makes of you will always be the far greater value than what you get.”

The process of reaching your goal changes you forever. It brings you the confidence and motivation to pursue further, loftier aspirations.

Writing down your goals is imperative. You will activate and create new cells in your brain by writing your goals on paper. These cells would otherwise remain dormant if you just type them on your computer or think about them.

After Andrew Carnegie passed away, they found a sheet of paper in his home. Carnegie had handwritten one of the major goals of his life - to spend the first half of his life accumulating money and to spend the last half of his life giving it all away. Guess what. He did!

Go write down your goals now. Challenge yourself to new heights while not making your goals unreachable. In the same way, if you set your goals too low, you won’t make much of yourself.

Look at your list often, every day. You can never tell what you can do when you get inspired by reading your goals. And, most importantly, you can never tell what will happen when you put them into action.

Inspiration leads to activation and equals triumphant success.

Yes, everybody has short-term obstacles to overcome. And, that is the very reason why we need a lot of powerful long-range goals. They keep us focused, on track. They provide us with a powerful target. They remind us about the life we want to live.

The critical reason for goal-setting is to lure and persuade you to become the person that it takes to reach them. By activating the process that leads to the accomplishment of your goals, you change your outlook, your brain cells, your thought process in such a way, that you feel like a different person. A much evolved person.

You can liken this activation process to that of a snake shedding its old skin. Or, a salamander. Did you know that one of the great symbols of the ancient schools of wisdom is a salamander. You can cut off its tail, and the salamander can grow a new one. A carnivorous animal can bite the salamander in half, separating its stomach from its intestines and its lower colon cutting off its stem cells, cutting off its spinal column, and guess what. The salamander crawls away on its arms. It knows how to change itself to look like sand and rocks – like a chameleon. While its lying there, it exudes no fragrance. It grows back from its spinal column a new intestine, a new spinal column, new legs and a new tail. Then it emerges again.

The next attack on a salamander may bite off its body right under its neck – only a head and one arm is left. It can lay in a catatonic state as it grows back a new body. But if its head is bitten off, the salamander is history.

The reason I am telling you this is to show you how incredibly powerful your mind is. It is the crowning glory of who you are and who you can become. Its creative power is simply limitless.

And setting goals is an incredible way to use your beautiful mind.

“We all have two choices: We can make a living or we can design a life.” –Jim Rohn

So design your new life. Allow every moment to renew your life anyway you want. Make this year one the one you want to remember forever.

Copyright 2006 Tania French

Tania Gabrielle French is a composer who has enjoyed performances and radio broadcasts of her music worldwide. Her new CD “Renewal” (released January, 2006) will feature a rejuvenating fusion of new age, classical, and world songs. Subscribe to her popular newsletter at http://www.prosperousartist.com

© 2005 Tania French. All Rights Reserved.

On BBC1 on Thursday, 05 January 2006, a young couple were interviewed on how they had managed to pay off their mortgage in 2 years. There are lessons we can all learn from their efforts whether we have a mortgage or not.

They had set themselves the goal of paying off their mortgage early so that they would be free to give up their jobs and move to the continent of Europe. They achieved their goal by both saving and making money.

They had shown real discipline in making savings. The man had given up his season ticket to Coventry City Football Club. One could argue that this was no great sacrifice as Coventry are not doing especially well this season! However, a true soccer fan will want to support his team whatever the results.

The woman had given up her cigarettes. This saved about twenty pounds a week. They had also cut down on wine and takeaways and had endured some miserable nights as a result.

This would not have been enough to pay off their mortgage on its own. They also had to bring in extra money. They showed determination and enterprise in making this extra money.

The man, for example, taught NLP lessons for pay and they both used NLP visualisation techniques to help achieve their goal.

They concentrated on visualising their goal all day long by putting up pictures of their dream house and car on several visible areas like the fridge. They had even placed a picture of the house on their computer as a screensaver.

Their two year goal plan had thus been kept in the forefront of their minds.

They thought daily about freedom, a house and a car. Eventually they achieved the extraordinary goal of paying off their mortgage in 2 years. It took me about 20 years.

It is also worth keeping your DAILY goals in the front of your mind.

Alan Lakein, the well known time management expert, advises the following:

"One of the secrets of getting more done is to make a TO DO List every day, keep it visible, and use it as a guide to action as you go through the day."

Some experts suggest making your daily list the night before so that your subconscious mind can work on it during the night. Either way, the key thing is to actually make a list.

The number six has been suggested as a viable number of things to do. Some prefer a smaller number like three. Any number will do.

Start on the most important task and finish it. Then go on to the next job. If you don’t finish your list, you will at least have achieved the most important tasks for the day. This is far more than most people manage.

My first most important job today is writing this article. I am focusing on it with determination in spite of several interruptions by Lizzie, the cat, who likes to wander round the house in a crazed manner at this time of the morning.

She also loves to meaow loudly for no apparent reason. I can hear her now in the distance. The vet is giving her monthly injections of steroids to keep her going as she is nearly 22 years old. The steroids are clearly working well!

There will always be obstacles to achieving any goal. I expect the couple above were told by their friends that there was no way they could pay off their mortgage in two years.

They obviously ignored advice and focused on their goal and their big reason for wanting to achieve their goal - freedom to leave their jobs and home and find their dream life abroad.

They showed huge belief in their ability to achieve this goal. Strong belief is usually a major cause of success.

There is no good reason why the rest of us should not achieve our dream goals. I, for one, have completed my first goal of the day by finishing this article in spite of the fact that the cat is now meaowing non stop as she sits on my bed.

To be fair to her, she is now quiet and dozing peacefully as I check and submit this article to the article directory!

About the author

John Watson is an award winning teacher and fifth degree black belt martial arts instructor. He has recently written several books about achieving your goals and dreams.

They can be found on his website http://www.motivationtoday.com along with a motivational message and books by other authors

Ezine editors / Site owners

Feel free to reprint this article in its entirety in your ezine or on your site but please include the resource box above.

For many people, money is like the weather – they talk about it, but don’t do anything about it. But making more money is not just about working longer hours or working harder. If your goal is to have more money, achieving it is about achieving your vision.

To achieve something extraordinary, you need to have a clear and precise vision plus a detailed plan to achieve that vision. A detailed plan includes specific goals and steps with timelines. Dreams without clearly defined goals, and goals without clearly defined steps, are rarely achieved at all.

Achievers and Non-achievers

There are four types of people in the world:

1. Drifters have no dreams, only vague hopes.

2. Pursuers have vague or generic dreams – to have a good life, to be rich – but no plans or time frames within which to achieve those dreams.

3. Achievers have vague dreams, but they have definite short-term goals and target dates. They pursue these vigorously and achieve them.

4. Super-achievers have big dreams that are clearly defined with detailed maps of intermediate goals and target dates. They vigorously pursue and achieve these dreams, and often revise their dreams upward.

Mapping Your Vision

If you are serious about having more money, you will need to map out your vision. This can be done in four steps:

1. Define and describe your dream or vision in writing.

2. Convert that vision or dream into a set of specific goals.

3. Convert each goal into a set of specific steps.

4. Convert each complex step into a specific set of tasks. Look through all of the task and circle the ones that you cannot achieve on your own due to your lack of know-howl, resources (time, talent or money) or certain personality traits. Then write down the specific type of person or outside resource that you need to enlist to accomplish that task.

Set target completion dates for each task, step and goal.

Other Keys To Achieving Your Vision

Keep in mind the following pointers:

1. Be flexible and realistic – don’t assign target dates that are so hard to meet that you are likely to miss them.

2. When you are falling behind schedule, ask for help or move your target dates back.

3. Writing down your vision, goals, steps and task is key. Without this road map, trying to achieve your vision will be like climbing to the roof using a ladder without rungs.

4. You can tackle one dream at a time, or start on as many as are important to you.

If you can achieve your vision, you will be able to get the money that you want.

Gordon Goh is webmaster for the free, informative website SEO Website Builder offering quality useful tips for SEO Website Builder

When I started my business career, I started in sales and marketing. I found that after trying to teach school and coach baseball, I was a good teacher and a great baseball coach. But I could not stand dealing with the parents. I loved working with the kids. The one thing I was always able to do was sell people on my ideas. It was either belief or sales ability or a combination of both, but I always got my ideas accepted.

I then figured sales was my avenue to success. Actually, I was right. I have been a top producer for a yellow page company, an advertising company and the top annuity producer for an insurance company. I have taught people to be better sales people and make more money. I have turned sales organizations from bottom feeders to kings of the hill. How did I do this? Read on.

I began to study long ago the art of using NLP or Neuro-Linguistic Programming. It is the art of speaking using embedded commands, voice inflection, and reading your prospect. When you master the art of using NLP, you will master the art of selling and get VERY FEW objections. I have studied under the masters of using NLP. Tony Robbins, yes that Tony Robbins, was my first introduction to NLP. I have studied, Marshall Sylver, a hypnotist and success trainer that uses what he calls “Hypnotic Selling”, Duane Lakin, PhD, a master at NLP training for management, salespeople and telemarketing, and Bill Twyford, a real estate investor that is an expert at writing scripts and using embedded commands. These people have taken me to a new level of sales and sales training.

Goals for growth is actually an acronym. Everyone needs goals.

G stands for greater power. I dont know who you are or what you believe, but I feel there is a greater power in the world. To me it is God, to you it may be Buddha, Allah, or even "The Force" if you are a Star Wars fan. Whatever it is there is a greater force out there. Are you close with that greater power, are you searching for it. If and when you find it, you will be unstoppable.

R stands for realtionships. What relationships mean the most to you. Is it your realtionship with the greater power, your spouse, your family? I personally believe you should have a ranking system to this. Are you interested in building relationships?

O stands for outlook. What is your outlook to life? Are you a positive thinker? Is the glass half full or half empty? Negative thougths cloud our vision, judgement, and outlook. I want postive people around me. I dont know about you, but I dont have time in my life for negativity. I make a lot of money because I follow a process. If you were financially free, what you you be doing right now?

W stands for wealth. How are you going to become wealthy? What is your process going to be? I have a wealth strategy that is time tested. I can show you. Just follow my lead.

T stands for time. Some people can get more done in 24 hours than some in 24 days. Using your time effectively is paramount. If you are to be successful you have to deligate your time, and treat it as an asset.

H stands for health. You have heard the saying "if you have your health you have everything" Actually they are right. you need to be in good condition to lead yourself to success. How are you going to enjoy the fruits of your labor six feet under?

Take advantage of Goals for Growth and see your way to the top

Copyright 2006 James Mack

Jim Mack is an author, sales trainer and mentor to people that are making millions. He is a sports junkie who loves helping others. Visit his websites at http://www.passivecashcow.com http://www.whoisjimmack.com http://www.coldcallingstinks.com

What do u wanna be when you grow up?" " I don’t wanna grow up”!! How lovely it would be if we don’t grow up and be a child forever?

The teacher asked her class what each wanted to become when they grew up. The teacher noticed one boy sitting silent.. So asked him” What do you want to be when you grow up?" "Possible" he replied. "Possible?" asked the teacher. "Yes," He said. "My mom says I am impossible. So when I get to be big, I want to be possible. !! This is a popular joke going around.

But seriously how many times have you heard the question, "What do you want to be when you grow up?" As a teenager you tend to hear this question a lot, but you have probably heard it since you were five years old.

For the first few years, the impact of being with someone who may be a teacher or a doctor or an engineer make us say spontaneously whatever we want to be. We just spurt out the reply without knowing what is in store for us.

The teenagers who would be out of school in a few months begin to ponder about this question. They are now mature enough to decide on what they are good at and what they can specialize in. It requires quite a bit of knowledge to become successful in this tough environment. But it should be remembered that a teenager is fairly naïve about the real world and so it is easy to make mistakes during that age which can affect negatively for the rest of your life. They should heed to a fair amount of guidance and counselling at this age.

They would opt for their dream careers once they are out of college but how many are lucky enough to find their dream careers? There are some of us who never decide on our dream careers, while others seem to know exactly what they wish to do from a very young age. How do we find out what work will be our cup of tea??

Asking guidance from experienced people, and experimenting in our lives and treading across the hard facts of life - these are the solutions one has to opt for if one has to be successful in pursuing their dream jobs?

HPriya Sivan

(Channelled) (This communication with Joseth happened more than a year ago, while I was focused on bringing money into my life. Apparently I still haven’t managed to manage my thoughts correctly to bring all the money into my life that I desire. However I will say that this is the first time in years that my bills are all paid and I do have a positive balance in my savings account.If there is one thing that I have really learned from this session, that is the importance of knowing exactly what I want.)

In the text below, it is a Q&A session where the initial "J" is for Joseth and "R" for Roy.

Good morning Roy, good morning Joseth.

J… Roy, why are you doing this?

R…Doing What?

J…Writing at your kitchen table every morning.

R…Because, I want to, I want to express myself.

J…Then why am I expressing myself?

R…I want to do both. I want to communicate with the other parts of me. I also want to share this exprience with others. I want to open up the doors for them, so that they can do the same thing.

J…Why?

R…So that they can begin to create a life that is more enjoyable. less stressful.

J…Has this helped you?

R…Yes

J…Is your life less stressful?

R…Yes

J…Are you more joyfull?

R…Somewhat.

J…Do you have more abundance in your life?

R…No

J…So as I understand it, you want more abundance and joy in your life and you have been writing for more than three years and yet you have failed to create the things that you desire, am I correct?

R…Yes

J…Roy, what’s your problem?

R…I don’t know

R…I have been asking you for your help for the last four years. You tell me what it is that I am missing, why am I not getting what I desire?

J…Roy, you are you are getting all of it. You have all of it, you do not see it?

R…Now you got it! I do not see it, I can not touch it and I do not feel it.

J…You can not see the forest for the trees, you asked for abundance, you got abundance, you are abundantly aware!

R…Cute! But my abundance is not paying the bills! I have no money.

J…Then why didn’t you ask for money, or even the experience of no bills?

R…I thought I did, I thought abundance meant lots of money.

J…Da! Think again. You must be specific in your request. Be careful what you ask for. You asked for abundance, you have been seeking awareness, you have an abundance of awareness. Did you or did yo not get what you asked for?

R…Yes, but it’s not what I meant.

J…Do you always say what you do not mean?

R…Apparently so, I wasted four years expecting to have money and because I was not clear in what I really wanted, I did not get it. I got what I asked for but not what I desired?

J…Yes, "Now you got it." You must be specific and very clear about what it is you want to create.

R…So now I have to wait another four years for money?

J…No, you did not have to wait four years for the abundance you now have either, you are still creating an abundance of awareness and that will continue.

J…Roy, ask for money, think about creating money and you will have money. The awareness you now have can be converted to cash. Use it to created all the money you desire. Start now and focus on money. What it is with you people? You always believe that having money is bad. You try to be nobel or deserving in your approach to asking me for money, ie "If I were rich I would give it away, I would do this for this group, this person, etc, etc. You put them first. But what you really mean, what your real root thought is "I want money for me." "I want to spend it on me first." Roy, it’s OK to want money for yourself first, and then give away part of the surplus or what you don’t need. It is the dishonesty that you have with you own thoughts that stops you from getting what you desire. You must be 100% honest with yourself about what you desire. You do not have to be deserving or generous or pre-qualify in any way. You only have to know that you want it, that it is your desire to possess it for whatever reason you choose. Stop trying to cover up your true thoughts, they are betraying you. Stop trying to be so noble and generous with something that you do not have. Create the money first, then you can afford to be noble and generous with it.

R…Would that not appear to be selfish?

J…So what? Be selfish first by all means, then you can afford to be generous later. YOU CANNOT GIVE AWAY WHAT YOU DO NO POSSESS. It does not matter how others would see you. It is not working now, what does being selfless have to do with it? How is being selfless benefiting anyone right now, are you giving away selflessness?

J…Always, always, always think about yourself first. Know what you desire for yourself. Create it for you own purposes, then give what you have away it that is your desire. What does it take to see how practical that is? You cannot let others interfer with manifesting what you desire simple because you want to appear more deserving. You have tried it, it doesn’t work. Their opinions do not matter in this matter. I am sure that once you have your abundance (money) there will be no less amount of opinions on how you should spend it.

J…Roy, do you now understand?

R…Yes I understand.

J…Are you going to manifest money in your life?

R…Yes!

J…When?

R…Now, it is mine now!

J…"Good, now you got it."

Live well and prosper Joseth

[As I mentioned at the top of this dialogue, money has been coming in, still much slower than I would like to see it. I have attracted some from different sources so it is like a river that has smaller tributaries merging into it in small amounts, it has not reached the ocean yet, but that is were my focus is. I have to overcome a lifetime of negative thought that says I’m not deserving. As I chisel away at those the successes become more frequent. Conscious manifesting does work to the degree that you believe it will, Joseth was correct]

Roy E. Klienwachter is a resident of British Columbia, Canada. A student of NLP, ordained minister, New Age Light Worker and Teacher. Roy has written and published five books on New Age wisdom. Roy’s books are thought provoking and designed to empower you to take responsibility for your life and what you create. His books and articles are written in the simplicity and eloquence of Zen wisdom.

You may not always agree with what he has to say. You will always come away with a new perspective and your thinking will never be the same.

Roy’s style is honest and comes straight from the heart without all the metaphorical mumble jumble and BS.

Visit Roy at: http://www.klienwachter.com

Are you setting goals? I used to subscribe to the belief that goals were not important. I mean, you never knew what life would throw at you, so why plan? Well, I started setting goals a couple of years ago, and I can’t tell you how incredibly my life changed. If you want to get anywhere, you’ve got to know where you’re going. And goals are just the tools to help you do that. More than likely, you will tweak your plans and revise your goals along the way, but the goals are there for guidance. Did you know that writing down your goals increases your chances of achieving them by 70 percent? Those are pretty good odds! The simple formula I’m about to show you will ensure that the goals you set can easily be achieved.

When setting goals, your goals should be SMART. SMART goals were created by Paul J. Meyer in his book, “Attitude is Everything.” SMART stands for Specific, Measurable, Attainable, Realistic, Tangible. This is starting to look difficult, isn’t it? I promise you, it’s easy. And, once you learn this formula, you will increase your chances of achieving your goal exponentially.

First, your goal must be specific. It’s not enough to say, “My goal is to increase my income.” This is not specific enough. Increase your income to what? And how are you going to increase your income? It’s better to say something like “By the end of 2006, I want to increase my income by 50% by marketing my services to another demographic.” You see the difference? Be as specific as possible when creating your goals.

Next, your goal should be measurable. In the example above, you would definitely know by how much you have increased your income. You must have a way of measuring your progress.

Your goal must also be attainable. In other words, you must actually be able to break it down into smaller steps and achieve each step leading to the larger goal. When you say you want to increase your income by 50% by the end of the year by marketing to another demographic, you need to make a plan. Your plan would include things like, create marketing materials for the new demographic. You’ll break your goal down into smaller manageable pieces. That way, you can achieve the small steps that lead up to the larger goal.

Next, your goal must be realistic. For example, if you were to say, “I want to lose 120 pounds in 1 month” that is well out of the realm of reality. Setting goals that are unrealistic, or unattainable, will not only set you up for failure, but they will be discouraging and frustrating.

Finally, your goal must be tangible. A tangible goal can be experienced with one of the senses. You can see an increase in income. You can feel a newly created product, you can see and feel weight-loss.

Now, think about what you want your business to look like by the end of 2006. If you’ve set goals, are they SMART? If you need to, tweak them so that they help you map out a solid plan. Once you’ve got your plan, you must put it in action. The only way you’re going to get anywhere is to move in the direction you want to go. Think of it this way: SMART goals + plan + action = achievement. Seem too easy? It honestly is. Yes, there are going to be times when you will need to tweak the plan. But, with the plan in place, you’ll always know where you are headed. So even if you do need to make adjustments, you can always get back on track.

Copyright 2006 Jennifer Givler

Jenn Givler is an Empowerment Coach who helps entrepreneurs and those on the verge of entrepreneurship gain clarity about their business and exceed their business goals. Get her free e-book Be Empowered! http://www.jgivlercoaching.com/newsletter.htm

Let me tell you about the exact moment I went from struggling, near failure, to SUCCESS! I learned /realized I did NOT have a strategy. So, I then learned HOW to create one, it doubled my business in 1 year - and it will do AT LEAST that for you! If there is one thing you can do that will explode your business more than anything else, it’s this: Create a plan! With a proper plan in place, your business can reach new heights at an incredible rate… AND you will be able to keep the momentum going. So what needs to be in your plan to be the most effective? Simple. You need to incorporate various strategies and tactics that will drive you towards your end goal. Before I go on, I want to define exactly what I mean by ’strategies’ and ‘tactics.’ Strategies are the ideas on what you can do to dramatically improve your business.

Tactics explain exactly what you are going to do step by step to implement your strategies. A great plan has both. And when lined up correctly, there’s no way you will miss your goal. Now, in this email, I’m just going to give you some BASICS as to how YOU can do this. To come up with your strategies, first… Decide EXACTLY what you want! Now you have "strategic objective"…

Next, take a piece of paper and write down the 10 things you KNOW would have to happen for you to achieve that Goal/Objective. Guess what! You now have your: Strategic Objective. Your Strategy (the 10 things you need to do) Your TACTICS are the Actual ACTION Items you take to achieve one of the 10 things on your list. NOW - Just do an ACTION at least 1 per day that leads to you being able to physically cross one of the 10 things on your list off, and now, you’re working far more efficiently than at least 90% of the so-called entrepreneurs out there! Your no longer are reacting to each day and hoping something happens. You are being PRO active and MAKING things happen! Congratulations!

Tim Altvater has been actively involved with the home business industry since 1999. Mr. Altvater has written several articles and training programs.

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