Sunday, April 7, 2019

Meditations on Money for the Inner Soul: Understand Road Blocks, Karmic Blocks, and How You Manifest Wealth

Meditations on Money for the Inner Soul: Understand Road Blocks, Karmic Blocks, and How You Manifest Wealth

We live in a time in history in which wealth has taken on a new collective meaning. There are more wealthy people than ever before, and in the collective imagination, we have a newly created vision of a standard of living that we consider our birthright. Credit cards, mortgages, and car loans mean we can experience ourselves as being well-off without it necessarily being based in reality. Whole countries live off debt and fake money. It’s all very confusing when there are still large areas of the world dealing with famine and disease on a scale that is unheard of in what is termed the ”developed” world.

The inequality and illusory nature of wealth are not the only reasons to be wary of its seductions. Even if you thought you were well-off, chances are that whatever wealth you thought you possessed has diminished in recent times. The upheaval in the world’s financial markets has made it only too clear that worshipping at the altar of materialism is a risky business.

So how do we navigate this treacherous territory at a time when material greed and expectation have reached heights that Socrates probably never even imagined? At a time in which global finances are in such rapid flux that no one can predict what will happen next?

First of all, stay close to yourself. Listen to your dreams and imaginings, and your inner promptings. Take yourself seriously. The soul will not lead you in the wrong direction if you pay attention. Learn to distinguish between the inner soul voice and the conditioned fantasy voice, and pay close attention to how manifestation functions for you.

The following are some questions that will help you work through your thoughts about money. Write these in your journal, and take some time to meditate on and write about each one.

  • Where does your money tend to come from? Do you get funds from your family, from your spouse, from hard work, from throwing big parties, from creating works of art?
  • How does money come to you? Does it come in sudden wind-falls or in regular paychecks? Does it come happily or unhappily?
  • What are your open gates for receiving money, and where do you think you might be closed? Visualize the gates through which money comes to you and see why some are closed. Find out what it would take to open them.
  • How does stuff come to you? Is it different from how money comes to you? (Sometimes people have a knack for attracting things over money because they have a negative belief about money itself.)
  • Look for where life is easy for you and see if that lesson can be applied to the realms that are more difficult. For example, if you have easy, plentiful friendships with women, think about working in a field in which women will be your clients or customers.
  • Examine your family of origin issues. Every family has its trips about money. What did you learn about money as a child? If money was lacking, what concepts has that imparted to your thinking? If you were born into a family that had money and that you have inherited, accept this as your fate and use the money to further your soul dream, which will often be philanthropic and/or socially responsible.
  • Look at where you disrespect money and waste it, and clean up your act. Look at your ethics and see if you feel entirely comfortable with all your choices.
  • Add up how much money you spend a year in interest and see what you can do to turn that negative into a positive by earning the money before you spend it.

Gratitude practice is useful in clarifying our relationship with money. Think about all the financial help you have received in your life and give thanks for it. Gratitude blocks can often arise around money because it can be such a charged issue, bringing up issues of entitlement in particular.

If you feel you don’t have as much money as you need, look at what useful function the lack of money might serve for you spiritually. For example, if you tend to be scattered in your thoughts and actions, a lack of money might serve to focus you on what is really necessary. Imagine having all the money you think you need and see how you feel. Within that you may find clues to why you might be blocking yourself from being wealthier.

Practice respect for but also detachment from money. The gods and goddesses of money seem to like us to pay close attention but to also be relaxed. (That applies to just about everything, though, doesn’t it?)

Give space in your perceptions for the possibility that everything right now is absolutely perfect – that the restrictions you experience on the material level are actually part of the divine plan of your soul for your ultimate fulfillment. Do this while vowing to free yourself of karmic restrictions brought about by erroneous thoughts and actions regarding money, work, and material anxiety.

ABOUT THE AUTHOR
Lara Owen, author of Growing You Inner Light: A Guide to Independent Spiritual Practice (Copyright © 2009 by Lara Owen), has trained with spiritual teachers all over the world and has made a lifelong study of spiritual practice in several traditions. 
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Saturday, April 6, 2019

Time Management Training: What It Entails

Time Management Training: What It Entails

Are you an office manager or a business owner? If you are, you must know the importance of time management in the office. Did you know that when your employees don’t know how to manage their time, they likely end up costing your company money?  Whether you are a business owner or an office manager, you do not want to see this happen.

When it comes to poor time management at the office, there are many office managers and business managers who choose to provide their employees with time management training.  If this sounds like a good idea to you, you may be looking for more information.  You may be curious as to exactly what time management training its, how it works, and what your staff members will learn.  If these are all questions that you have, you will want to continue reading on.

When understanding time management training, it is important to remember that it does come in a number of different formats.  For example, most companies choose to hire outside specialists.  These are individuals or teams of individuals who come in and teach staff members the importance of proper time management, as well as share tips on how to get the most done through the day.  A good example of this is by showing or helping your staff members get their office desks better organized.  This is key, as organization and time management go hand in hand.

As nice as it is to hire outside help from professional office organizers and time management specialists, the cost of doing so may be a put off for you.  If it is, you may be able to host your own time management training sessions.  Doing so is actually a lot easier than you may originally think.  In fact, many business owners and office managers like this approach as it gives them complete control over what their staff members learn.

Speaking of what your staff members will likely learn in time management training, it will vary.  As previously stated, you can hire outside help or you can perform your own training sessions.  Regardless of which approach you do take, there are some things that you will want to make sure that your staff members know.  First, make sure that you not only tell them the importance of properly managing their time at the office, but show them ways that they can improve the use of their time.  These ways may involve keeping a clean and organized office desk, completing a to do list each morning, and so forth.

It is also important that you outline the consequences for employees who continue to waste company time.  After time management training as has been offered to all employees, there is no reason why employees should be seen standing around, socializing with each other, or using an office computer for personal use.  State that these things are okay for break time, but not during normal work hours.  You may want to go as far to show your staff members just how much their wasted time is costing the company.  Let them know that additional warnings may come, with termination being a possibility.

As a reminder, time management training is not required by many means, but you may find it a relatively easy and effective approach, especially when compared to terminating and rehiring new employees.
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How to Sell Your House by Lease Options

How to Sell Your House by Lease Options

How to Sell Your House by Lease Options - Many people buy a house then have to move within a few years, due to divorce, relocation or financial difficulties. Without any equity though, it can be nearly impossible to find buyers and you still have realtor fees to contend with. There is a simple, easy way to have your payments taken care of for you and find a buyer, so that you can move onto your new life quickly and easily.


Homeowners can sell their homes by lease option.

What are the benefits of selling my house on a lease option?

When you lease option your house, you sell the right to purchase your home at a set price within a predetermined period of time. During that time, the purchaser of the lease option pays you a set monthly fee. They pay what amounts to their "rent" to you with the provision that they can purchase your house within a certain period of time and have part of the rent that they have paid you applied to their final purchase price.

Q What are the advantages of selling my home by lease option over listing it with a Realtor?

By selling your home in this way, you avoid realtor fees and some other closing costs. You also have a tenant who intends to purchase your property. They will take better care of the home than a renter would and may even fix it up a bit for you. You also, naturally, have your payments taken care of and keep the tax benefits of owning your home, until the final sale.

Q How long does it take before your tenant/buyer cashes me out?

A That depends on a number of different factors. Many people with less than perfect credit can rebuild their credit and receive a mortgage from a mortgage broker within 6 consecutive payments.

Q Why don'’t I just sell the house myself?

If you have little or no equity in your home, it will not be considered a good investment by most buyers.

Q What if my tenant/buyer doesn'’t buy the house?

A It is important to pre-screen buyers to make sure that they want to buy the house and are able to buy it at some point in the future. However, circumstances can change in someone'’s life, such as an unexpected job transfer, that make it necessary to move. In situations like that, a new tenant buyer would have to be found.
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Friday, April 5, 2019

What To Do With Employees Who Don't Properly Manage Their Time

Employees Who Don't Properly Manage Their Time

Are you a business owner? If you are, there is a good chance that you have employees in your staff who do not now how to manage their time. What do you do with these employees? If you are unsure as to how you should proceed, please continue reading on.

First, it is important to do something.  The last thing that you will want to do is let an employee who has bad time management fly under the radar.  Many business owners do not think about this at the time, but there are a serious consequences for not calling out poor performing workers.

One of the many consequences to allowing one of your employees to keep on wasting their time and yours, is that others are likely to follow suit.  Even some of your best performing employees are likely to waste time socially or by surfing the internet when they see that others are able to do the same and get away with it.

Your business profits will also likely be put at risk.  When an employee spends too much time surfing the internet or wasting time in general, it will likely take much longer for you to get projects completed.  This can have an impact on your business profits.  For example, you may later end up paying your employee overtime to complete a task that they should have finished during normal work hours.

If your business deals directly with the general public, an employee who does not know how to mange their time can also have a negative impact on your company’s public perception.  Deadlines should not be missed, but proper time management is vital when working with clients.  Did you agree to have forms drawn up on time for a client of yours?  If you did, they should be ready when expected.  If not, your client may look elsewhere.  Also, places that have employees just hanging around the office and socializing tends to look unprofessional in nature.

So, you now know the consequences of letting an employee with poor time management slide, but what should you do?

It is important to bring a lack of time management to the attention of your employee or employees.  Let them know that wasting time on the clock is not acceptable, especially when there are other tasks or projects that they could be working on.  Clearly state that socializing is for break times only.

Next, be sure not to let the same behavior continue.  Workers who have been warned about wasting their time and the time of the company should not have any excuse for doing so.  Give one more final warning before taking evasive action.  This action may include terminating your employee’s position with the company.

Despite the fact that termination is an option, you may have what you believe to be an otherwise good employee.  If that is the case, you may want to opt for time management training.  This can be done yourself or with the services of a third party.  In fact, if you have a large number of employees who seem to not know how to manage their time, you may want to opt for company wide training.

Should you decide to host your own time management training seminar, as opposed to using outside help, be sure to share tips with your employees, outline the importance of making good use of their time at the workplace, as well as the consequences of not doing so.  This leaves no room for exceptions and you should see a significant improvement in productivity in your workplace.

As a recap, if you are a business owner or even just an office manager, it is important to make sure that all of your employees are working to the best of their ability.  Your company and your own personal reputation may end up taking the fall for those who do not perform to the best of their ability.
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The Secret System For Getting Completely Out of Debt and Reaching Financial Independence on Your Present Income, in 3 Easy Steps

The Secret System For Getting Completely Out of Debt and Reaching Financial Independence on Your Present Income, in 3 Easy Steps

The Secret System For Getting Completely Out of Debt and Reaching Financial Independence on Your Present Income, in 3 Easy Steps - All families and home biz owners have to think about debt, finances, bills and income almost every day. There is no reason to be overwhelmed by something that can actually be CHANGED. How?

This article will show you how to:

  1. Eliminate all of your debt (including your mortgage) in 5 - 7 years
  2. Take control of your finances
  3. Become financially independent (the dream of most Americans) by retirement.

The First Step is to get a copy of your CREDIT REPORT. In it you will find your entire credit history. It may be shocking to you, but it will be revealing. I suggest that you do it today. At the bottom of this report is a link to help you get started.

The Second Step is to make a list of all the debts you have using the

"ROLL DOWN SYSTEM." This is a powerful but little known system that will allow you to pay off all your debts, including your mortgage, in half the time or less than you may have thought possible.

Start by calculating the entire amount you are spending on all debt payments each month, including your mortgage. Then list the credit cards, credit lines, car loans and other short term debt, from the smallest to the largest. From this time forward, simply spend the same amount each month to service your debt you have always spent. Here'’s the secret to accelerated payoff...

Once you have completely paid off your first debt, DO NOT begin spending the amount of the payment '– add it to the payment of the next debt on the list! As each debt pays off, continue this process. In a year or two, you will get to...

Your MORTGAGE! But now you have considerable extra money to pay each month. Using this strategy, you should be able to pay off all your debts, including your mortgage, in 5 '– 7 years! So, after you pay off everything, you can begin living the life of Riley, right? NO!

Now it'’s time for Step Three. You simply take the ENTIRE AMOUNT you were using to pay off your debts and begin INVESTING it in sensible mutual funds. This will be a considerable sum, and will allow you to reach that enviable state of FINANCIAL INDEPENDENCE that most Americans truly want to reach.

Here are two bonus strategies to create wealth even faster...

  1. Add as much as you can to your monthly debt payment from the beginning. The more you can add, the sooner all will be paid off and the sooner you can begin investing.
  2. Start a sensible home business to add extra income to your budget, but use its profits in this plan, not for high priced "fun." Added attraction '– having a home business offers numerous tax benefits for even more savings.

For many people, doing all of this seems a little complicated and difficult. That'’s why most have not implemented such strategies in the past. Many of these things can be done automatically with the right service. WealthLink is one such service which I highly recommend. It helps you get your credit report, analyze it, creates your debt payoff plan, helps you make a sensible investment plan and even offers an excellent business opportunity by giving you your own website to promote the service. Here'’s the link: http://www.wealthlink.com/familybiz

Good luck on the road to financial independence!
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