How to Recover Financially After Coronavirus Pandemic

How to recover financially after Coronavirus pandemic

We have been in a, pandemic, situation for over 15 months now. Many of you who are reading this blog, have experienced some, personal finance, problems. We know that Amazon, Walmart, Google and all those big brands actually made millions of dollars and were very profitable during this, pandemic.

But, it is a fact that ordinary people like you and me had some struggles. Financial planner, Michelle Arpin Begina is going to share with us how to change our, money mindset, by paying attention to your, money story.  Your, money story, shows up in good times and bad times. So, keep reading to understand how your, money mindset, affected whether you thrived in this, pandemic, or just survived.

Listen to the full interview:

 

Your Money Story

This is the time to really get curious and ask yourself, What is my, money story? Go back and trace the roots of your, money story, and experiences?

Similarly, ask yourself as an adult, What did I hear growing up about, money? What did I take away from the big financial moments of my life? What were some of the behaviors that I observed from other people or my parents, that influence my, personal finance, now?

  • Did you become a consumer or did you become a miser?
  • Did your parents tell you all the time ” Money does not grow on trees”
  • or ‘Money is the root of all evil”

Those messages are a part of my, money story.

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Your Parents Money Story

Michelle: I remember growing up watching my parents and saying to myself two things:

  • If only they could get their, personal finance, act together, because they had all the ingredients to have everything they wanted. We all have it within us.
  • The second thing I said was: this is not going to be me. But, as it turned out. When I first got started out, I started following their footsteps.

Myrna: Oh! You became a, consumer, too?

Michelle: I did! I bought the new car when I was 19, while I was paying my own tuition and rent. So, I lived with that feeling of financial insecurity. I kept it going with, personal finance, problems well into my 30s and then I turned it around.

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How to Thrive after the Coronavirus Pandemic

Myrna: What is the, personal finance, lesson that you want to share with us, that can help the people who are barely surviving?

Michelle: I can say that it’s not just about the, consumers,  and the savers, but there’s probably more depth to thriving than that. We have to go into some biology.

Myrna: So, let’s take a deep dive into biology of the, money mindset.

Michelle: Alright! We’ve got to cut slack for the, consumers, and the savers. Putting away money for a rainy day, could turn someone into a tight wad, where they are not enjoying their, money. There are so many different translations that can happen from what we take in as a child and that forms our, money story.

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Become friends with your future self. 

Let’s talk about flourishing for a second. We are hardwired to live in the moment, because we are psychologically distant from Michelle 10.0.

We are not friends with our future self. Michelle 10.0 or Myrna 10.0, is not our relative. We don’t feel this connection with her today, so we can’t help it. This is who we are as people, this is our biology. It’s very difficult to handle, money, outside of what our needs or wishes or even impulses are in the moment.

What we need to do is recognize this. When the 401K rep comes in, when you don’t have two dimes to rub together and say if you put away the maximum amount in this account, you’ll be a billionaire by the time you’re 65. When you were 22, it’s going to go in one ear and out the other. You tell the 401K rep, I can’t even afford lunch! A 22 year old has no relationship with her 65 year old self.

Myrna: You hit the nail right in the head. I was just saying that people can’t save because they have no extras to save.

Most of us have more month than, money!

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Transform Your Money Story to protect your future

Michelle: What we can do to help ourselves and transform our, money story, is to literally create a relationship with your future self. The closer we feel to that person, as if they were really alive today and is our friend, the more that we’re going to act in their best interests.

There are so many new little things that we have to accomplish in the day-to-day details to get us to that overarching goal. So, when we’re in the moment of the impulses or just choosing between two different things, and we want to maintain, self-control. What actually helps is to create distance in the moment. When we talk to ourselves in the third person, it actually helps us to control our behavior in the moment.

Myrna: I get it like saying

Myrna would never do that, Myrna is going to do is make the choice that is going to really help her in the future.”

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What the Pandemic taught us about our money story

Myrna: Let’s get back to the, pandemic. What has the, global pandemic, taught us about, money?

Maybe you’re going to be a little different because, money, is your work, and you study it. Did you learn anything new about yourself and your, money beliefs, during the, pandemic, what do you think the global lesson was for us?

Michelle: I‘m a little afraid to answer this question.

Myrna: Let’s talk. It’s just your opinion.

Michelle: What I‘ve learned during this, pandemic, is a little embarrassing to say out loud is I learned a whole lot more about our systems and just how differently everybody is impacted, was the biggest thing that I witnessed.

Heartbreaking really in many ways and I‘ve discovered is that our systems were not designed to take care of people. Our systems were designed for the efficient management of accounts to obey the laws, rules and regulations. Many people had no, money, in the Bank because they didn’t see the need to save or to put something away for the rainy day. This, pandemic, exposed that flaw. 

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The Pandemic changed our money story

Myrna: Do you think that our values have changed, now that the, pandemic, highlighted our, money mindset?

Michelle: That’s basically what I was trying to get to as far as, money mindset, and the fallout from our, money story. Maybe their, money mindset, was thatyou get it”, you spend it that kind of thinking. I like to think – I mean it’s hard to know on a such a broad level whether it has or hasn’t, but I think for someone who was probably scared to their core, there will be a change to their, money mindset.

  • If they lost jobs or clients,
  • Were not able to continue to work or couldn’t pay their rent or mortgage. Their, money mindset, will shift to saving for a rainy day.

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We’ve heard so many different things happened. The income that I was relying on to make my month is evaporated or it’s down etc., but to me, it really is that, fight or flight, or life or death kind of an experience. On the other hand, we may want to totally push that out of our mind because it was such  an awful experience.  

I think for a lot of people who maybe saw, for the first time, at their own hand, how perilous their situation could become. I think those people have probably changed their, money mindset.

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What’s your success formula to change money mindset

Myrna: Great!!! You’re a financial planner. Do you want to share your, success formula, or how you help your clients to develop a relationship with their future self and change their, money mindset?

Michelle: What a, financial planner, does is to help you with, personal finance such as:

  • Plan for the rainy day,
  • Put away for retirement,
  • Save to buy a house,
  • You plan for vacations.

Myrna: That’s what you guys do, right? I understand you have a, success formula, can you share that? Like thinking about what resources did you bring to the table not just with, personal finance, but who did you know, what did you know etc..

Michelle: The, success formula, can be called your superpowers. We use the word superpower so much, but what part of you is special and unique? What do you bring to the table in every single one of your successes? We use that information to develop hope, optimism and resiliency.

What superpowers did you use to pull those things in when times when facing difficulty or you faced a challenge. How did you react when there was an upside surprise?

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All of those traits that I just described, in whatever way someone uses them, it’s so cool. I mean we’ve all got a special factor that’s so different from one another. If you just look at your own and you start picking it apart, you can see how I can pull on this thread when it comes to my money.

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Your money superpowers is your success formula

It’s about figuring out what’s effective so that’s like the part of the expanded version of, personal finance. Financial Literacy, is what I would call it which is really kind of recognizing that we have a psychology and biology around in our brains and body around our, money. It’s not just understanding markets or investing or good sound, financial planning, or, risk management, or all of those things which are important, but it’s about your strengths.

Looking at the big picture and understanding someone’s background, who they are and are not with their, money, what their wishes are, what their values are, of course what the, money, is and then really digging into some of their, money mindset, about what makes them.

Myrna: So, that’s the, success formula.

Michelle: Yes, we use what makes you successful in other areas of your life and use the common thread to help you to be successful with your, money.

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The success formula challenge

Myrna: I understand that you have a website or a challenge to help the readers and those watching on TV. That would help them develop their, success formula. You want to talk about that?

Michelle: The best place for people to find me is my website, which is www.michelleab.com. Right on the home page is my, success formula, guide which anyone can download. Other channels that people can as well reach me or connect with me are on LinkedIn,

You can watch the full interview on the Transform Your Mind Podcast YouTube channel.

Also you can tune in at six o’clock Est every Sunday for our Preach the Word Network Television broadcast and of course you can listen in the radio WDJY 99.1 FM Wednesdays at 5p.m.

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Myrna: Thanks again Michelle. Thanks everyone for tuning in and until next time, blessings.

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Additional Resources

Understanding the Rules of Economics and Money

Is True Wealth Financial Freedom?

 

Real Estate Investing with No Money

Real estate investing with no money

Real estate investor, Trainer Trevor Evans, teaches, how to invest in real estate with No Money. Trevor teaches, how to get funding for your deals, fix and flip,  your, investment properties, and, how to flip a house.

Watch the YouTube video to learn how to Invest in Real Estate from a, Rich Dad, real estate investor.

What you will learn about Real Estate Investing in this motivational video:

1. What are some strategies to purchase property for your,  real estate investing, business with little or no cash?

There are several way to do this. You can max out your credit cards, you can set up a lease to own deal, you can get seller financing.

2. What does, Hard money lenders, look for in a good deal?

They look for the ROI or return on investment

3. How do you make your deal attractive to a, Hard money lender?

Show that the resale value is at least 40% higher that the investment.

Strategies using other people’s money to fund your, real estate investments:

1. Using your credit cards to fund your deals. The more credit you have the better off you are!

2. Hard money Lenders,  Hard money lenders,  look at the asset and not at your credit score.

3. Borrow money from friends and family. You convert them into, Hard Money lenders, and pay them a good interest rate to start your, house flipping, business.

4. Borrow from your Whole Life Insurance policy.

2. Take a loan from your 401K.

3. Take out an Equity line of credit on your personal house.

 

The commonly used strategy in, real estate investing,  is the use of a, Hard Money Lender.

You need a, Hard money lender, for your, real estate investing, business. A money lender does not look at your credit, what does he look for?

1. Your expertise. Most, Hard money lenders, want you to have three investments under your name. This does not include your personal residence.

2. The ARV or after repair value. The property must have equity before the deal is made.

3. How did the property come on the market. Eg is it a Foreclosure, short sale or probate.

4. What is your, exit strategy? Is your, exit strategy, to, buy and hold, or, fix and flip?

5. How long you need to complete rehab work.

6. How much is the estimated cost of repairs.

 

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Hard Money Lender do not offer 100% Financing

Make no mistake, hard money lenders, need borrowers to deploy their capital and get a return on investment for their capital partners. They often enjoy repeat business, real estate investing, aren’t typically one-time borrowers, so asset-based lenders like, hard money lenders, or, private money lenders, value the business relationships they develop with quality borrowers.

Real estate investing, with no money down or little or no cash is to borrow from, Hard money lenders, who charge high interest for short term loans. When, hard money lenders, provide a loan, they want to be confident that the, borrower, is able to repay the loan on time. If the, borrower, isn’t able to pay back the loan, this creates a great deal of extra work, stress and potential financial loss for the lender. A strong, borrower, with a significant down payment (or equity in the property) and cash reserves has the best chance of obtaining a, hard money loan, and succeeding with their, real estate, project.

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Looking for a, Hard Money Lender? Here is an article from Connected Investors on how to get bids on your project.

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Connected Investors, the world’s largest, real estate investing, network and marketplace, today announced the launch of the first centralized real estate investment funding portal, CiX.com. The technology allows real estate investors to quickly and easily submit their deals to a network of asset-based lenders, ensuring the best terms for loans on their, investment properties.

Subscribe to the Transform you Mind podcast with Coach Myrna to get notification of all shows, Life coaching tips as well as Real Estate Investment tips and strategies.

Additional Resources

How to Create the Freedom Lifestyle through Real Estate Investments.

How to Build Wealth with Turnkey Real Estate Investing

Real Estate Investing: Are Rental Properties worth the Admiration?

Investing in Rental Properties

Real Estate Investing, in Rental properties gets a lot of admiration because of, passive income.  Usually there is positive cash flow in, rental properties.

Joke of the day Rental properties 

A young woman, pursuing a graduate degree in art history, was going to Italy to study the country’s greatest works of art.
Since there was no one to look after her grandmother while she was away, she took the old lady with her.
At the Sistine Chapel in the Vatican, she pointed to the painting on the ceiling. ‘Grandma, it took Michelangelo a full four years to get that ceiling painted.’
‘Oh my, ‘the grandmother says.
‘He and I must have the same landlord!’

A few weeks ago I interviewed my co host Trevor Evans on the topic “The path to Financial Freedom” We received such an overwhelming response to that topic that I decided to have a spin off on, Real Estate Investing. This is episode #2 in the series: Real estate investing, “Funding, Fixing and Flipping. Is Owning, rental properties, worth the headache?

As a realtor for over 17 years, investing in, rental properties, has been my space up to this point. I own several rental properties and I also manage several rental properties.

My co-host for this podcast is Trevor Evans: Speaker/Trainer for Legacy Education Alliance and Rich Dad Education. Trevor is also an Entrepreneur, Real Estate Investor. Banker and Founder of Personal Awakening Brand “Being Normal Sucks.”

I met Trevor earlier in the year when I attended a Get Motivated Seminar and signed up for a 3 day, real estate investing, seminar. I met my co host Trevor Evans at this program and let’s say his vast knowledge on the subject of, real estate investing,  and, real estate, opened my mind to new opportunities.

I didn’t know what I didn’t know!

His knowledge base was extensive. I immediately enrolled in the Legacy Education Alliance, investing in real estate, training program.

Real Estate tip of the week

What is your best choice as a, real estate investment? From the book Your money and how to keep it by Brian Costello

Real Estate, will be a natural choice for many as an, real estate investment, vehicle. Generally, real estate, can be counted on to rise in value over a period of time. If you want short term investments, you can use short term investment vehicles like treasury bills. Other options are gold, commodities and the options market. Small investors are now also switching to Mutual funds because they offer a great deal of flexibility, and they can be cashed in at any time.
So, the best investment choice depends on your country laws as it relates to Capital Gains tax vs interest tax. In the USA and Canada, interest is taxable while you can make a lot of money tax free with capital gains.

Todays episode of Fund, Fix and Flip is sponsored by, Myrna Young Realtor 

Are you looking to invest in the south Florida market? The time is ripe for investors. Call Myrna Young  at Century 21 Selling Paradise 239-542-5777 for all your Wholesale or Rehab purchases, Buy and Hold, rental properties, or Property Management services. We are licensed in real estate and property management services and can also buy or lease your home. Don’t delay, Call today 239-542-5777

“Is Owning Rental properties worth the headache?” Show notes:

What are investors doing that is causing the headache?

  1. Not properly screening the tenant.
    Most investors are stressed to put a tenant into, rental  properties, because it costs to have a vacant property.
    That is the underlying reason that they short the screening process or decide to take a risk with a tenant. But it costs more to have the tenant removed and evicted, so the pain of a bad tenant lingers for a long time.
  2. Not understanding the renters mindset
    A renter does not have an owners mindset to take care of a property.
    The environment the rental is living in determines the mindset of the tenant. If you have a tenant in a single family home that is costing over $1500 per month.  That tenant has an owner’s mindset and would usually take care of the, rental property, as his own because he or she is probably an executive and is not renting because they can’t afford to buy.
  3. Know your tenant
    That allows you to skip inappropriate steps.
  4. Understanding the positive cash flow cycle
  5. Buy only properties that need remodeling instead of renovations
  6. Setting up warranty or replacement work directly with local scratch and dent shops
  7. Paying a flat fee to a Property Management company

Additional resources

Some resources for Real Estate Investors:
BiggerPockets: The Real Estate Investing Social Network. There are many free articles and forum threads all for free on how to get started in real estate investing.

https://www.mashvisor.com Use analytics to find lucrative traditional or Airbnb properties in a matter of minutes.

https://myhelpsrealestateinvestments.com/ – list of off market properties at discounted prices in Fort Myers, Fl and West Palm beach, Florida

Is True Wealth Financial Freedom?

The path to Financial Freedom

The path to, financial freedom, comes from the quality of our lives. This is, true wealth.
True wealth, does not depend on how much we accumulate, save, or spend our money.

True wealth, comes from who we are on the inside, and not by what we do, or what we have.

We cannot measure our self-worth by our net worth!

The first step to, financial freedom, is to make the mental shift, that your world in here, will be reflective of your world out there.

This week on Mindset Transformation radio, I interview Trevor Evans, teacher/trainer in real estate investments.

Here is a tip of the week Financial Freedom:

There are 2 types of people in regards to, wealth, one who is magnetized and full of confidence and know his potential, and the other is demagnetized and full of fear and doubt, and he tells himself I will fail, I could lose my money, people will talk about me behind my back etc. So, he does nothing. He takes no risks!

As you have probably figured out, the demagnetized man will never get very far.
I love the parable Jesus told about the man who was going on a long trip. He called his servants and entrusted his money to them while he was gone.
He gave 5 bags of silver to one, two bags of silver to another, and one bag of silver to the last.
The servant who received the five bags of silver began to invest the money and earned five more. The servant with two bags of silver also invested and earned two more; but the servant who received one bag, dug a hole in the ground and hid the master’s money.
When the master returned, he was full of praise for the two servants who invested his money and increased it; but the servant who gave him his money back with no increase he called “wicked and lazy.”
The moral of the story is the path to, financial freedom, is investing what you have to earn more.  Let your money work for you. Also it show those who use well what they are given, even more will be given to them; but those who take no risks and do nothing, even what little they have will be taken away.

There are 3 honest ways to financial freedom.

  1. The first is to work for it. The common consensus is that with a few exceptions you can never become, wealthy, working for someone else.
  2. The second way is to inherit it. For most of us, inheritance is not a sure bet.
  3. The third way to, financial freedom, and the most powerful way, is to invest it. Let your money work for you. Compound interest, is one of the most powerful tools in the accumulation of, wealth. Let it work for you. Do you know if you put $2000 in your 401k at 21 years old and let it grow with an annual compound interest of 10%; at age 65 it would have grown to over $1,000,000?

I love this article from Inc.com

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Financial freedom in America

Nassim Taleb said, “The three most harmful addictions are heroine, carbohydrates, and a monthly salary.” But salaries, fed through cubicle farms, are worse than addiction: salaries are slavery. While starting a company may emancipate you from salary slavery, most founders are enslaved to their startups — trading family time, personal health, and happiness for late nights, long commutes, and stress. So where’s this, financial freedom, in the Land of the Free?

This week on Mindset Transformation radio w/ coach Myrna and podcast, I interview Trevor Evans, Speaker/Trainer. Trevor is going to talk about the mindset of an investor, what you need to do to think like an investor and not an employee as well as some foundational tools of real estate investing.

Our sponsors for this episode are A&C Limousine service and Young Real Estate Investment services.
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Are you looking to invest in the south Florida market? The time is ripe for investors. Call Young Real Estate Investment Services at 954-999-6125 for all your Sales, Rentals or Property Management services. We are licensed in real estate and property management and will buy or lease your house. Don’t delay, Call today 954-999-6125

Show notes Financial Freedom:

• Topic: What is, True Wealth: The Path to, Financial Freedom
1. Question 1: Tell us of your path to becoming a Speaker/Trainer for Legacy Education Alliance and Rich Dad Education.
2. Question 2: Before you become an investor, what mindset shifts must you overcome?
3. What I love about the Legacy training is that it focuses on understanding the market and how to use money and not just on the brick and mortar of Real Estate investing. It covers using credit card as an asset instead of a liability. So that is the first mindset shift I think we should discuss.
4. What is the second mindset shift you think is important to acquiring, wealth?
5. If someone listening to this show wants to start investing in, real estate, what advice would you give them and where should they start.
6. When I took your class, you spent the first 2 hours totally letting us wait for the information you know we all wanted to hear but you spent time teaching about Abraham Hicks vortex and frequency. Why was that important?

If you found this content inspirational follow coach Myrna
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web: www.myrnayounghelps.com
Also please subscribe to my iTunes podcast and leave a review.
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Additional Resources

Is Starting A Real Estate Investment LLC A Good Idea?

How to Get Started with Wholesaling

business coaching

 

Wholesaling, is often marketed as a low-to-no cost way of getting into real estate investing and this can be true. A new, wholesaler, can certainly profit with a much lower initial cash outlay than a, real estate investor, who has to buy a property and rehab it.

In, wholesaling real estate, a real estate, wholesaler, contracts with a home seller, markets the home to his potential buyers, and assigns the contract to the buyer. The, wholesaler, makes a profit, which is the difference between the contracted price with the seller and the amount paid by the buyer.

What Exactly is Wholesaling Real Estate?

Wholesaling, is often marketed as a low-to-no cost way of getting into, real estate investing.  However, the successful, wholesaler, has to have a firm grasp of what makes for an attractive deal – once you understand this process of , wholesaling, it becomes much easier and can be broken down into a serious of repeatable steps.

Word from our sponsors:

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How to Build Wealth with Turnkey Real Estate Investing

My co-host today on this podcast is Trevor Evans.
Trevor is a Professional Speaker, Real Estate Investor, Retail Store Owner.
Speaker/Trainer for Rich Dad Education and Founder of Personal Awakening brand “Being Normal Sucks.” Trevor has also been married for 19 years and have 2 beautiful daughters ages 22 and 18.

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Are you on a journey to find happiness through the doorway of wealth?
Living in financial abundance is one way to find happiness but not fulfillment.

You deserve happiness, and you CAN attain it.

The Transform Your Mind with Coach Myrna podcast has entered into collaboration with with Swami’s Brahmananda to offer my listeners guidance and the power of an entire community of happiness seekers, so you too can wake up happy.

For more information please clink the link below and start your Happiness journey

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Show Notes:

How to get started with real estate wholesaling

Investors ready to learn how to start, wholesaling houses, will be happy to know the process is not complicated. Here are a few simple steps to get started, real estate wholesaling:

  1. Research your local market before getting started.
  2. Find a realtor with off market discounted properties.
  3. Secure a financing source that works best for you. This is usually a Hard Money Lender.
  4. Begin searching for potential, wholesaling, properties by driving for dollars.
  5. Decide whether to sell the contract or assign the contract.
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What is a step by step plan to becoming a Real Estate Wholesaler?

Step 1: Create a Database of buyers:

Contact local Rehabbers and Contractors and ask them what kind of properties they are looking for to rehab.
You can find them at your local Chamber of Commerce or your local REIA

Ask them these questions.
1. What kind of properties are they currently rehabbing?
2. Type of properties they like to work with Eg. Single family or multi family?
3. What are they certified to work on? Eg. Are they certified to work on burn down or water damaged properties?

Step 2: Put an AD on Craigslist
Ask the following questions when you get responses to your AD
1. Is the property listed with a Realtor?
2. Are you speaking with the owner of the property?
3. Is the property in, Foreclosure, probate, bank owned, or free and clear
4. Does the property need rehab? If so what is the estimated cost of repair.

Step 3: Put together your power team which includes your Title and Escrow Agent.
If you structure your deals properly, you could use one escrow deposit for 10 properties!

In our first episode you talk about process. You said that setting up a process prevents failure.
What is the process for the real estate Wholesaler?

Wholesaler Website: do you need one

My friends at Connected Investors wrote this article on Getting started with, real estate Wholesaling.

Wholesaling, is often touted as the easiest entry point into the world of, investing in real estate. And financially speaking the barriers to entry are generally a lot lower, especially when compared to fix and flipping or buy and hold investing. Many experienced, professional investors have door-knocked and bandit-signed their way up the REI ladder without having more than a cell phone, gas money, and the will to WIN. read more …

• If you found this blog post inspiring, please Subscribe, Rate and Review this Podcast, then send me an email to info@myhelps.us with the subject line “podcast review” and I send you a free gift.

Free eBook: Wholesale Plan of Action Cheat Sheet

This cheat sheet was created by Connected Investors and goes into further detail on the Wholesaling steps.

Additional Resources

Is Starting A Real Estate Investment LLC A Good Idea?

How to Build Multiple Passive Income Streams

How to Overcome Fear and Find Joy

energy of fear

Fear, is an, energy, and thoughts are the most powerful, energy,  force in the universe.  Thoughts can be either positive or negative.
Heading up the rear of, negative thoughts, is, fear. It is the bottom feeder or all the emotions.
If you allow, fear, to linger in your body and in your mind, It will not only attract the thing you, fear, the most into your experience; but it will also bring disease to your body.
All diseases can be traced back to, negative thoughts, or, fear. Negative thoughts, transform your body into an acidic state.

Fear, is a, negative thought, magnified to the 1000th degree.

In, fear,  mode your body is activated in the fight or flight mode.
Your body tenses, your breathing is shallow, your heart palpitates, your blood pressure is elevated, your hands and body sweat.
Not a good place to dwell!
Unfortunately, your brain cannot detect the difference between your imagination and reality, so the person in the grip of fear cannot tell the difference. They cannot tell that, fear, it is “False Evidence Appearing Real.”

Using Positive Energy to banish Fear

Today I want to teach you how to use, positive energy, to clear the, negative energy, of, fear. But first I want to review one of the Spiritual Laws of the Universe.

The Law of Sowing and Reaping

We all know of the physical laws like, Gravity.
Some laws are physical and some are Spiritual and quantum.
Understanding the spiritual “Law of Sowing and reaping” can change your world.
Understanding that whatever you create it in the spiritual world of your thoughts will manifest in the physical world.

Put another way, that means whatever you plant in the fertile soil of your mind, will manifest in your physical world.
Just like planting an apple tree. Except that in the spiritual world;

The soil is your mind, The seeds are your thoughts,
The water are your actions,
And The sun is your feelings.

If you allow, fear, to dwell in your heart and mind every day you will manifest an apple orchard in your reality.

Energy flows where Attention Goes

Whatever you focus on expands.

Fear is Negative Energy

Everything is, energy, and all, energy, attracts similar energies.
You can’t put out, negative energy, and expect positive results.
You can’t plant apple trees and expect oranges.

Likewise, you can’t focus on what you, fear, and produce a successful result.
If you are constantly thinking of the things you, fear, you are planting a seed and based in the universal Law of Reaping and Sowing, it must germinate.
The mind or consciousness is connected to reality.
Think of something strong enough or long enough to and it will eventually manifest in your reality.
These are six words you must stamp on your mind

“You become what you think about”

When you realize that your mind is a garden you will begin to plant only the things you desire.

How to overcome fear

Exercise: How to overcome fear, write down something that is opposite of what you, fear, and start giving it the same attention you have been giving your, fear.
Since light conquers darkness, it will eventually have your, fear, for lunch!

  • Imagine you having fun traveling the world in crystal clear clarity.
  • Say daily affirmations that compliments your desire.
  • Visualize your goal so much that sometimes you are not sure what is imagined and what is reality;
  • the same way that you let fear take you out of reality.
  • Don’t get disappointed if it takes time to perfect this. Remember that positive things take time to manifest,
  • it is the negative ones that show up quickly.

Weeds will sprout up, negative thoughts, of failure will sprout up.
So, every morning find the weeds and dig them up.

Remember a successful gardener will always cultivate his land.

Cultivate your mind for success.
Life is energy, whatever you put out, is returned to you.
The mind does not care what seeds you plant; it will always return what you plant.
You can plant wealth or you can plant poverty.
You can plant fear or you can plant happiness.

Here is an excerpt from the book: The Wise Heart: A Guide to the Universal Teachings of Buddhist Psychology:
The Buddha faced plenty of his own fear and terror of imminent death. This is a passage from the Buddha’s early writings that Jack Kornfield, a teacher who helped introduce Buddhist mindfulness practice to the West, quotes in his book.

How would it be if in the dark of the month, with no moon, I were to enter the most strange and frightening places, near tombs and in the thick of the forest, that I might come to understand fear and terror. And doing so, a wild animal would approach or the wind rustle the leaves and I would think, “Perhaps the fear and terror now comes.” And being resolved to dispel the hold of that fear and terror, I remained in whatever posture it arose, sitting or standing, walking or lying down. I did not change until I had faced that fear and terror in that very posture, until I was free of its hold upon me … And having this thought, I did so. By facing the, fear, and terror I became free.

Do not Fear: Definition of fear

Fear – False objects appearing real, as per the about passage, can be released by standing your ground. Our instinctive reaction to, fear, is to turn and run because as humans we are hard wired to run from pain and towards pleasure. But, as the Buddha teaches in the passage above if you stand and have the courage to not move, you become free you, let go of fear, and realize that your imagination is always worse than the reality.

Let me share a personal story on how I overcame, fear and, remove negative energy from home. 

When I first came to the United States of America, I came as a business owner. I did not have any of the benefits of a permanent resident. As my business was building, I decided to earn money as a sales person selling vacations. I was not authorized to work in the US, so I became very fearful of being found out and being deported. Every night I would dream that the immigration officials would come to my house and take me away in handcuffs. Sometimes I would dream that they would throw me in the back of the trunk.

One day, my pastor preached a sermon on, the fear factor. He said that God promises to carry your burdens, so give them to God. He said when you give your, fears, and heavy loads to God, you can’t worry or take them back because that would mean that you don’t have faith in God’s promise to carry them. He asked the congregation to write our, fears, and heavy burdens on a piece of paper and ceremoniously throw them at the alter giving them to God. I wrote my, fear, of being deported on a piece of paper and threw in on the alter. In doing so, I, let go of fear, and became free because I gave it away to someone else, God. The good news is that I no longer was afraid of anything. Every time something came up that would potentially me fearful, I would face it and know that it will work out for my good. I stood on the scripture “I know the plans I have for you, plans to prosper you.”

Meditation to Let go of Fear

Sit quietly in a chair, be comfortable.
Place feet flat on the floor, hands clasped in your lap. Close your eyes. Be present. Focus on your breathing, feel your belly rise and fall under your clasped hands.
Breathe in for a count of 4 and breathe out for account of 6. Thus, slowing down your rhythmic cycles. Be mindful of the air as it passes through your nostrils down your esophagus and into your abdomen. If your mind wanders off bring it back gently to your breathe. Your mind can only concentrate on one thing at a time. Concentrating on your breathe bypasses your mind. Once you slow your cycles and quiet your mind, you are now in the receptive mode to change your programming.

Think briefly about something you, fear. Today we will use as our example the, fear of flying. Today we are going to use our imagination to replicate the experience of flying while you are sitting comfortably and safely in your chair.

Let’s begin. visualize you are at the airport with your loved ones, your husband and 2 children. You are on your way to Venice, Italy. You chose Venice because you wanted a romantic vacation with your husband. You can’t wait to ride on the Gondolas and be serenaded with live music, going to the opera and have the experience of taking a water taxi everywhere. You are excited. This energy is positive. You let this feeling of euphoria wash over you, you feel your body tingle with this positive energy. You feel good!
Now you are boarding the plane, you are starting to feel a little anxious. You board the plane and find your seat, you buckle yourself in. The pilot announces that your flight time is 6 hours and that he will be flying at a cruising altitude of 35,000 feet. He advises you to give your attention the flight attendant and pay attention to the safety information. You mentally note your exits. You listen to what to do in the event of a water landing! Your mind is going nuts with fear. Your heart starts to palpitate rapidly, you start to sweat.

Now the airplane is taxing down the runway at full speed, then lifts off the ground.
You squeeze your husband’s hand, you are hardly breathing, your whole body is tight. The plane is climbing it shakes a little. You are so scared the sweat starts dripping from your forehead. The plane reaches cruising altitude, the pilot turns off the fasten seat belt sign and people start moving about the plane. You calm down a little, but still aware of every movement of the plane. The flight attendants come around and offer beverages. You ask for a glass of wine. You drink it down in one gulp! You start to feel calmer. The flight is uneventful. After what seems like an eternity the pilot announces that in 30 minutes he will be starting his descent into Venice. Your fear returns, the plane shakes a little as it descends and you are once again in the grip of fear. The plane touches down and speeds down the runway braking speed. Your body is tight, your breathing shallow. Then it is all over. You faced your fear and came out on the other side! You exit the plane and you are in Venice!

I want you now to realize that you have taken your first flight in your mind.
I want you to realize that fear is false evidence appearing real.
I want you to realize that once you face your fear, like a bully, it backs down.
I want you to realize that the energy of fear is keeping you stuck.
I want you to realize that whatever your fear, just like we took a ride on an airplane and came out alive on the other side that is how all fear works. It has no real power over you. The only thing that is holding you back from doing the things you want to do is all in your mind. So, the only way the clear it is to start with the mind. Do a dress rehearsal in the mind and then do it in the physical.

The first step in How to overcome fear is to face the fear.

The second step is to clear it from the place it is planted in your mind. Take a moment now to ask your higher self where the fear of flying came from. When was the fear planted? When you get the answer, you may think to yourself, boy that was silly or you may have a legitimate reason to be afraid of flying. Someone you know could have died in a plane crash or you yourself could have been in a plane emergency landing. The thing to remember is that you know that every time you drive on the highway you could die and you are aware of thousands of people who have died in car accidents; yet few people have a fear of driving in a car.
So, consciousness is the second step.

The third step is to clear that energy by replacing it with, positive energy. We are going to use the, positive energy, of gratitude. Sit comfortably again. Imagine a bright light entering the crown of your head moving down through your check, down your throat to your chest, down your abdomen through your feet.
Feel this light fill all your energy centers as you become fully relaxed. Now expand this energy out from your chest past the room, past your city, past your country, past the clouds, past the sun, past the planet into the stratosphere. You are now floating in cyberspace. If you can bring your fear to mind in this space, do so now.

Then replace that feeling of fear with the feeling of gratitude. Gratitude that you are alive, gratitude that you are in your sound mind, gratitude that you have a place to sleep and food to eat. Gratitude that you are wealthier than 95% of the people in the world and you have the resources to travel to exotic destinations. Gratitude that you will not let fear rob you of your joy.
Now set the intention to fly to the first place on your bucket list within the year.

If you found this post helpful, I would love to hear your comments on what your fears are, and if you achieved a successful result transferring it with these exercises. Please share this podcast and blog post with friends and family and remember to subscribe and post a review.
Transform your Mind podcast is giving away a Free Checklist you can do every morning to replace your fears with positive affirmations.
To receive please subscribe, rate and review this podcast then send me an email to info@myhelps.us with the subject line iTunes review.
Until next time Namaste

Additional Resources

No Fear : How to Live with Courage

Health is Wealth: How to lose weight without Dieting

lose weight without dieting

Health is wealth, If you don’t have your, health, no amount of wealth can buy it. A healthy, weight, is an indication of health so today we are talking about, how to lose weight, without dieting.

Listen to full interview here:

 

Health is Wealth 

Think about it. Most of us dream about becoming wealthy but would you trade your ability to walk for a million dollars? I know I wouldn’t.

The second way we could look at the phrase, health is wealth, is that you can be healthy but poor and still be happy. On the flip side, you can have copious amounts of wealth,  but if you don’t have your, health, you  would willingly trade all your money to feel good or be healthy again.

So the message in this, health is wealth, series is, You can’t just trash your body and then try to alleviate the evidence of disease.

Download on Spotify

Healthy Weight Loss

Health, is not the absence of disease, disease is the absence of, health.

What is, health? According to the dictionary, health, is fitness of body or mind, and freedom from disease or ailment. It can be body fitness, or mental fitness.

What is wealth? In the same dictionary the meaning of, wealth, is stated as “a great quantity of money, valuable possessions, property, or other riches.

So in the first episode of this series we and going to unpack how your, health is your wealth,.  To start off this series, our  topic today is “How to Lose Weight, without dieting”

How to Lose Weight when you Have an Eating Disorder

Myrna – Dr Nina. What led you to do this work?

At a very young age, I suddenly and randomly developed an obsession with my size. I thought that my thighs should be thinner and I thought if my thighs were smaller, I would be perfect. By the way, I was a perfectly normal weight.  But I became convinced that thinner legs would somehow make me better.  This obsession just got worse as I got older and by the time I was an adolescent,  I had full blown, eating disorder.  My last thought at night was what did I eat today.  I would fall asleep counting the calories and fat grams of my food intake for the day and figuring how to, lose weight, 

The scale was my most welcome friend and my biggest enemy, it ruled my life.  So much so that when I went hiking with friends or did anything fun like dancing,  I would focus on how many calories I was burning instead of how much fun I was having.  I would be calculating how, to loose weight, 

Getting Therapy to Help Lose Weight 

I would restrict restrict myself of food and then eventually I would binge and then purge.   So finally I went to therapy.  I  would open up with my therapist about every aspect of my life except one, I never ever told her what was going on with me and food.  I went to my therapist once a week for three years and I never talked about what was going with my. eating disorders. 

 After some time in therapy, I became aware of my feelings.  I learned to process my emotions rather than to deny them.  I learned to use words to comfort myself instead of using words to criticize myself.  By the time I left therapy, I had zero, eating disorder, or, anorexia,  issues and No unhealthy relationship to food. The amazing thing about this is that not once did I ever talked about food to my therapist.  When I fixed my emotional issues, I fixed my, anorexia.  So the answer to the question How to, lose weight, without, dieting, is first learning how to process your emotions instead of stuffing them down with food. 

People ask me all the time. How did you recover from three, eating disorders, that consumed your life without ever talking about it?  How is that possible?  The answer is that whatever was going on with food and my, eating disorders, was a symptom of the actual problem, not the problem.  When I  learned different ways of coping with what was going on with me, I cured my, eating disorders including, anorexia.  

How to, lose weight, by understanding why you eat certain finds of foods 

 I developed this formula to help people figure out you know what is eating them out.  

  • If you like creamy foods like ice cream or frozen yogurt or pudding. It suggests a longing for comfort or nurturing. Limit your exposure to these foods to, lose weight,. 
  • If you like foods that like bread, pasta, cake, pizza those are correlated to loneliness since they are  bulky and they symbolically filling an internal void.  Fill your internal void by finding a hobby. Doing something you like instead of eating. It will help you to, lose weight, 
  • Finally, foods  that are crunchy like chips or pretzels, anything with a crunch suggest you are angry. Dealing with your anger in a healthy way will help you to, lose weight. 

 The best way to deal with the triggers of emotional eating is try to understand where they’re coming from.  It is the first step. The next step is to deal with those an underlying feelings of lack of self worth. 

  • How do you see yourself? 
  • How do you feel your loneliness? 
  • How do you express your anger?  
  • How do you deal with what you are feeling? 

Weight Loss Tips 

Nurture  yourself with words instead of ice cream.  If you use mean words to describe yourself and then you nurture yourself with food, it becomes a viscous cycle. You eat the ice cream and you call yourself nasty words for being so weak, then you eat again to comfort yourself.  

When you feel good about yourself it’s easier to be good to yourself.  

Self acceptance is the key. 

The most practical thing that you can do, is to throw out your scale. It is a tyrant, it does not measure your value, it ruins your day. It has too much power over you,  so getting it out of your life is a very powerful stance that you can take on your own behalf. 

Download to listen to the rest of this powerful interview and learn five main reasons for diet sabotage.

Download and subscribe to hear all episodes in this series. 

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Additional Resources

How to Reprogram your Mind to Stop Binge Eating

https://www.medicalnewstoday.com/articles/322345.php

https://blog.myhelps.us/detoxing-both-the-body-and-soul/

https://blog.myhelps.us/tips-to-change-your-skin-change-your-life/

How to Find Beauty in Your Now!

Finding Beauty in your now

Finding, beauty, in your Now is the point of all power that unlocks healing, growth, strength, peace, desires, success, and happiness.

This week I interview Aireka Harvell, aspiring motivational speaker who focuses on transforming the minds and lives of women with her blog “Be That Woman.” She is also the Founder of Nodat Place Advertising LLC. where she encourages and promotes female entrepreneurship and offers daily motivation and support through her social media platforms.

Introduction  “How to find Beauty in your Now”

Aireka has a powerful story of overhearing a mother telling her son that she was, ugly, and seeing her mom treat he brother better because he was handsome when  she was just 9 years old. That tag stayed with her throughout her life and gave birth to low self esteem, becoming a people pleaser and allowing her husband to mentally and physically abuse her. Aireka has lived in darkness of thinking she was, ugly, for most of her life, until one day she heard the voice of God telling her to Help other women “Be That Woman” he made them to be.

Today she has a huge following on Instagram and on her blog and offers Hope and Encouragement with her daily posts.

Listen to find out How to control your mind and bring it under subjection when thoughts of fear and hopelessness threaten to stomp out your joy.

Learn that there is opportunity to learn and grow from every situation.

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Transform your Mind Soundcloud podcast

What is Beauty in the eyes of God

The tip of the week from Coach Myrna is an except from the book The University of Success by Og Mandino

A Conversation with our manufacturer (God)
God: Tell me “what is your purpose down there on earth”

Man: Well you know “I want to work hard and not hurt anyone, and I want to get along with folks and stay out of trouble”
God: “But what about your talents”

Man: Well what talents I have and there are not much, I take good care of. I kind of pace myself, you know.
No, No,No God shouted, your answers are all wrong. Don’t you remember the story of the talents?

Man: Yes I think so … You gave each of three men a different set of talents. To one man, you gave five talents. To another man, you gave two talents. And to the third, you gave but one talent.

“That’s right says God: and some years later I checked up on each of these three men. I was pleased to find that the man with five talents had multiplied his talents by working hard, and applying each one. The man whom I gave two talents had also labored hard and multiplied them. But when I checked with the man I had only given one talent, I became very angry. For that man had buried his talent in the name of protecting it. To which I cursed him saying “thou wicked and slothful servant” how dare you not use the gifts and, beauty, I gave you. You Knew that I reap where I have not sown and gather where I scattered no seed.
Do you not get the point of this parable?

Man: Yes I think so. I am to use the talents and, beauty, you gave me and multiply them to help others.

God: Let me ask you another question
“Who is in charge of your life?”

Man: I am responsible for my life – but with a few exceptions. I mean sometimes you just don’t get the breaks, you know. Sometimes things just don’t go my way, but that is the way the ball bounces or the way the cookie crumbles”

God jumped to his feet “No, No, No, he shouted. You were created in my image of, beauty. “When will you learn, you are totally responsible for your life, no exceptions. You are totally responsible for the results you obtain. Not your mother, not your father, not your boss. It’s not the breaks, that control your life, it’s you. Don’t ever say that is the way the ball bounces, that it is the way the cookie crumbles. You must bounce your own ball!

Man: Okay, okay I think I see. The fact is that I have been put on earth to succeed, I have an obligation, a responsibility, to use my abilities to the fullest. I must control my life, for I wasn’t designed to be led. I prefer excellence to mediocrity. I won’t prevent my own success, for all success requires is that I am here, and that I use my talents to the world and not wait for the world to come to me. And I will act now, no matter how convenient waiting may seem, no matter how imperfect might be the results I obtain.
Tears welled up in God’s eyes, a smile creased his face.

God: “Thou wonderful and faithful servant, take all the love and energy and talent that you have and share it. Share it with all you meet, until it seems you have no more to give, there will always be more and more in reserve. Your potential extends beyond your wildest imaginings. The only limitations you will ever face will be those you place on yourself”

Transform your Mind Spotify Podcast
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How to find Beauty in everyday moments

Johanna Sevier Robb says in her blog post on “How to find the Beauty in Everyday Present Moments”:

There is so much, beauty, in the world—and because this crazy, gorgeous life is so fleeting, I want to focus on the, beauty.

No, I won’t turn my eyes away from the horrors of the world. But I also won’t become so consumed by these horrors that I no longer notice the wind dancing on the water. Or the tender grasp of my lover. Or the plant on the windowsill stretching toward the sunlight.

I’m not trying to downplay the crap. But just to understand the, beauty standards, of men. I don’t want to crumple into a small, powerless mess each and every time I read the news.

Negativity sells. Sensationalism sells. But this is not the reality of, beauty. So I ask, what is beauty?

Sure, man’s, beauty standards, is real. But generosity, kindness, humility and love is also real. And I still believe in humanity. Only a tiny bit of the present world can be summed up by violence and acts of terror. Only a tiny bit of human history can be summed up by wars and acts of cruelty.

How to Find your Beauty even if the world thinks you are ugly

Despite his physical appearance, the elephant man  and his mother were close.  His mother did not think he was, ugly. A former housemaid, she was also handicapped and had three additional children, two of whom died at a young age. She herself passed away in 1873 of pneumonia. Her death devastated young Joseph. Not only did he lose his closest friend, but his father, now working as a haberdasher, soon married the strict widow Emma Wood Antill who had two children of her own and demanded young Merrick, elephant man,  leave school and earn his living. Amazingly, despite his growing abnormalities, he found employment at a cigar shop, but his right hand soon became too large to manage the delicate work of rolling cigars. In order to earn his keep, his father got Joseph a hawker’s license to sell gloves door to door. But his, ugly,  appearance frightened prospective customers and his sales were dismal. Joseph Senior would often beat his son if he came home empty-handed and the stepmother would deny him full meals unless he had earned enough to pay for them. As a result, he ran away — or rather walked away — from home more than once.

~

How to Become a Life Coach

If you liked this content remember to share, subscribe to my iTunes podcast and write a review. Once you do, send me an email to info@myhelps.us with the subject line “Podcast review” and I will send you one of two gifts. My eBook “How to become a Life Coach” or a “Mindset Shift Focus Wheel” a workbook to change from a Fixed Mindset to a Growth Mindset.

Additional Resources

Life Coaching part 1: Who am I

 

How to Use Meditations to Activate the Law of Attraction Money

Using Meditation Law of Attraction Money

As I did all these different, meditations, what happened to me was I was able to release out of my body and mind, all this inner turmoil and activate the, law of attraction money. I found my creativity, love and the wisdom that we all have within us. It was hugely successful to say the least that I found those, meditations.~Pragito Dove

Listen to the full interview here: 

Myrna – Tell us your journey to becoming an author, hypnotherapist and coach?

  • Pragito Dove is an internationally recognized Author, Hypnotherapist, Coach and Speaker with over 20 years’ experience.  Pragito helps entrepreneurs, leaders, and CEO’s align their mindset to allow more peace, time and financial freedom. She shows you how to change your money blueprint, recondition your mind for automatic abundance, and use Spiritual Laws of Attraction to create real world success.

Pragito – It didn’t start off so great. I could tell you I had a very challenging childhood. I had a cruel mother and my father didn’t protect me. I just adored my father; but he was not in his power. He didn’t stand up for himself and didn’t stand up for me, so basically I got trodden all over by my mother. I was actually terrified of her; so what I did to cope was to shut down my heart and live in my head.

I had a lot of fear, I had a lot of anger and pain in my heart. I realized even as a young child that I was just going to have to sort of stick it out so to speak until I got old enough to do something about it.

In my early 20s, I heard about this Zen master called Osho in India. He had a wide range of, meditation techniques, including expressive, meditation. I started doing these, meditations, because I really needed to release all those turbulent emotions that I’d stuffed down; because they were clearly not helping me attract the life I wanted.

How to Clear Your Money Blocks and Build Wealth

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There are several, Meditation Techniques

I travelled to India with my son was 14 months old and studied with Osho. Let me tell you, they worked.

  • There was a laughter, meditation to activate the, law of attraction money
  • A fearless, meditation, for crying and releasing
  • There was a dancing, meditation, for joy
  • A gibberish, meditation, to just get out all the junk
  • Also a dynamic, meditation, great for dumping out anger and
  • A humming, meditation.

As I did all these different, meditations, what happened to me was I was able to release out of my body mind, all this inner turmoil and found inner peace. I found my creativity, love and the wisdom that we all have within us. It was hugely successful to say the least that I found those, meditations.

Myrna – How many years did that take you to release all the hurt?

Pragito – Well, it was a process.

It was just an unbelievable transformation that happened to me. I saw how it was possible for me, so I trained to teach all these, meditations, to others as well.  I realized I could create a business and help others use the, law of attraction money, and that’s become my mission.

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Hypnotherapy vs Meditation

Myrna – What exactly is, hypnotherapy, and how is it different from, meditation?

Pragito – Well, what I do with the, hypnotherapy, is I take people on a guided journey deep into their subconscious mind (because that is where the solutions to the problem lay).

Now, if we take, money, let’s say someone is always broke or use his/her credit cards and pay off the credit card; but then goes back in the same cycle. That was me actually. I would pay off the credit card and then it’d be back on the credit cards again. Always getting to the same place like an inner ceiling and not being able to get past that.

What we can do in the, hypnotherapy, session  is go to the root of the problem and find out what is going on with their, law of attraction money, what they  learned about, money as a child.

Myrna – My last interview, we discussed, money blocks. I don’t want to do too much into that because I had a whole episode on, money blocks; but would that be considered another, money block, or is there a different word for this particular blueprint like, law of attraction money?

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Using Hypnotherapy to remove Money Blocks

Pragito – The, money block, is what’s blocking you. The blueprint is your beliefs and what’s guiding you. Like a blueprint for a construction project,   you’re told this is the way life is and you believe it because that’s what you’re told.

I have to tell you something very interesting. I’ve been doing, hypnotherapy, for over 23 years. It’s not about, making money, at all. It’s about love. It’s about deserving,  a lot of us believe I am not deserving, I am not worthy. Another way, ‘I’m not enough, I don’t deserve wealth.

Myrna – I agree, Michelle Obama in her book – “Becoming”,  talked about not being enough  a lot. Even when she was first lady and even when she was a lawyer and successful; because she started off in the poor parts of Chicago,  she felt she wasn’t enough and she felt that she didn’t deserve it.

As a hypnotherapist, what kind of work do you do to remove that, money block, blueprint and activate the, law of attraction money?

How to Accelerate Your Soul Journey: Clear these Money Blocks

Pragito – Your, money, blueprint is sometimes formed in the womb! The child can learn that the mother doesn’t want it or maybe the father doesn’t want it, because it’s all energy. We’re all transmitting energy all the time and then the child arrives.  So I take my clients into a more relaxed state; but not going out.  They’re still present and I ask the wisdom of their body, the wisdom of their heart and their higher self to bring forward for us the, money block.

Pragito – The good thing about, hypnotherapy, is because you’re working at the root, when we’ve healed everything, it never ever comes back.

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How does the, Law of Attraction Money, work

Myrna – Why is it important for an entrepreneur to understand how the,  Law of Attraction money, works and to invest in themselves? Do they have to start by being in a, hypnotherapy, session for them to understand their, money,  blueprint?

Pragito – Well it’s just that the, hypnotherapy, can help to make it all go quicker. That’s what the, hypnotherapy, can help with; but the place to start is with the awareness. It’s a three-step process.

  1. The first step is “Ask for what you want”. However, you have to be clear, you need clarity on what you want.
  2. Then you have to focus on what you want and activate the, law of attraction money. You have to focus on it and let people know you want it. Get pictures of what you want. One tip I give is, Do not ask for, money, because the universe doesn’t really understand what you mean by, money. Do you want a bag of, money, to fall on your head one day? Is that what you want? It’s much more powerful to ask what you want the, money, to buy. For instance,  I want a Lexus car or I want to go on a cruise.
  3. Step 3 is “allowing” This is the most difficult step and it’s a step where most people fall down. You have to allow what you want to come to you. This is where the, meditation, is helpful. One of the, meditation techniques I teach with, meditation, is learning to witness the mind. You learn to misidentify from the mind, because the thoughts of the mind actually are not real. They are like shadows, like when you walk down the street on a sunny day and you can see your shadow, that’s what thoughts are. They’re like shadows, they are not real and they’re often not true. The mind says things like “you can never have a Lexus, you’re broke.”
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What you learn to do with the, meditation, work is to observe, witness or watch the mind.  Learning to misidentify from it so that you don’t get caught up in believing what the mind is saying and you can just relax and say “thank you mind,” and  just let the thoughts pass-by.

Those are the five magic words for the mind. Let the mind pass-by, just let it pass-by.

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Myrna – That reminded me I used to work with automatic negative thoughts and when I would hear the mind telling me something, I would talk back to it, because it keeps repeating all the time and then you talk back to it – I would say you better stop.

Pragito – Yes that’s good, that’s right. You better cut that out.

Good Vibes activate the, Law of Attraction Money

If we look at the, Law of Attraction money, on a scale of one to ten, one being our most negative vibes and ten being our most positive vibe,  All the, law of attraction money, does is it matches. It’s a one trick pony, that’s all. It doesn’t care who you are or what you want. If you’re some famous Hollywood actor or a rickshaw driver in Calcutta, it doesn’t care.

All it does is match your energy. We really need to pay attention to our emotional state which is in the subconscious. With 95% of our thoughts being in the subconscious, if we transmit anger, guess what we get back, anger. If we’re transmitting fear, that’s what we get back. So we have to pay attention to our vibes. Our only job is to keep our vibes positive.

There are many ways to do that and one of my favorite ways is the laughter, meditation. Well I do that a lot. That’s good and fantastic, because laughter really helps to keep your high vibes and then you’re in your positive energy which is the, law of attraction money, state. At this point, your possibility of attracting, money,  is very high.

Whereas when you’re in a negative state, of course it becomes very low. The most important thing is to be aware of your emotional state. We want to be aware of the thoughts of the mind; but that’s only about five percent of it. It’s the emotional state that is the most powerful and so here’s another tip if you really want something and you need, money, to buy.

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How to Ask for the, Money, you want

Let’s say you’ve got this really dinged up old car to take your kids to school and you need a decent car. So you say to the universe “look I really need a good car and you say it with a lot of emotion and with a lot of energy.  “I really need a really good car”. Your chances of getting what you want go up astronomically when you put emotion behind it.

But if you just say “well I’d like to have a Lexus,  it’s on  my list but I don’t care. There’s no real emotion behind it, then you’re not going to get a Lexus. You might still attract it, but you won’t get it as quickly as someone who’s very passionate about what they want and puts a lot of feeling into asking for it.

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Meditation, for Peace, Prosperity and Passion

Myrna – Let’s talk about your book now. Your book is called “Lunchtime Enlightenment: Expressive Meditations for Manifesting Peace, Prosperity and Passion.” Now, tell us about your book. Is it working under the same foundations that we’re talking about? We started with, meditation, and, hypnotherapy, then talked about the, law of attraction money, and prosperity.

Pragito – The, meditations, are for manifesting peace, prosperity and passion. Meditation, is being in the present moment and, meditation techniques, are important. The, meditation techniques, are there to help us and remind us to be in the present moment. Why do we want to be in the present moment? Because first of all we’re aware of our feeling state, the feelings are always in the present moment and when we have that present moment awareness, we have the power of choice.

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We can choose.  If we find our vibes are down, then we could say, I need to watch a funny video or comedy’.  ‘I need to get my vibes up right now, etc. That awareness gives you that choice. Let’s say for example we feel really angry towards somebody, so it’s not a good idea to talk to somebody when you’re angry or when you feel angry with them.

In the book, I give suggestions for what you can do when you feel angry. There are two techniques in particular where you can dump your anger out in the sacred context of a, meditation technique, in the first stage.  Then in the second stage, you sit in silence and you find it much easier to sit in silence when you’ve let the lid off the pressure cooker. So, to speak and get rid of a lot of emotional turmoil, it’s very easy to drop down. You will find inner peace in calm, your inner wisdom, love, creativity and all these good things.

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Meditation Techniques,  to Calm Anger

From that place you can decide what to do about this irritating person that’s annoyed you. Do you need to talk to them? If you do need to talk to them, then you talk to them from that place of peace and calm, because that will help them become calm and peaceful; because normally they would be reacting to your energy. Then, the whole thing is just a big mess; but when you take responsibility that you feel angry and that it’s not going to help to either dump your anger on somebody else or stuff it down. You do the, meditation technique, you’re nice, calm and very likely to come up with a creative way to handle the situation.

That is perfect for marriages because a lot of people in intimate relationships blow up and it doesn’t ever go anywhere.

Myrna – Tell our listening audience how they can get a copy of your book. Also, tell them how they can reach you to do any of your, hypnotherapy, sessions coaching and things like that because I’m pretty sure you get results.

Pragito – The book is on Amazon. Actually this book was just released in August and it’s already a number one bestseller.

Myrna – Good for you, congratulations.

Pragito – Thank you. To find me, you go to my website www.discovermeditation.com/contact you can sign up for my laughing Buddhist Network newsletter and you get two free Gifts.

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How to Clear Your Money Blocks and Build Wealth

How to remove money blocks

Money blocks, are negative subconscious beliefs about, money, that limit you from achieving your conscious desires. Hilary Hendershott, wealth coach talks today on the Transform Your Mind Radio and Podcast on the topic  “How to remove your, money blocks,  and, build wealth.” Hilary was once $600,000 in depth and now has a seven figure net worth

Listen to the full interview here:

Hilary – I found myself in my late 20s with multiple credit cards and  tens of  thousands of credit card debt, plus I had a $420,000 in mortgage debt on a condo.  In 2008 that  condo in San Jose California went from $430,000 in appraised value to just $190,000.  I had massive uncollateralized debt, $72,000 in tuition debt and I was the kind of person who would spend money before it came in!  I was a massive over spender.

Back then I had never heard the term, Money Blocks. Today as a coach and operating from my own, money blocks, I understand that I was an over spender because I had, money blocks.  

The definition of, Money Blocks

The definition  Money blocks: negative subconscious beliefs about, money, that limit you from achieving your conscious desires. Let’s say you’re trying to save, money, but, for whatever reason, you can’t seem to do it. You spend, money, almost as soon as you get it, and you don’t know why.

Hilary – I started gaining clarity on my, money blocks, the  day I pulled my leased BMW into the gas station and I put my credit card into the machine to get gas, and my credit card was declined. I tried another card, it was declined, I put the third card it was also declined. At that point, all my credit cards are maxed out and  no one would give me any more credit cards.

My bank accounts were empty and had already emptied out my 401k. I had spent all this good money chasing after bad  while trying to dig myself out of this hole; because as my income was declining in 2008, and my debt was increasing.  So I literally couldn’t even put a tank of gas in my beautiful convertible BMW that day.

How I became an expert on clearing, money blocks

Hilary – I decided to become an expert on, money, psychology. I really made a decision that day and I said “I‘m not willing to live like this anymore”. I understood from the beginning that our, money blocks,  are as much a function of linguistics,  the words that we use to describe, money, than it is about our upbringing.  

So, when I said “there’s never enough money” I was speaking it into the atmosphere. That became a self fulfilling  prophesy.  There’s never enough money was my, money operating system. I trademarked this term, Money Operating System.  Just like your computer has an operating system, we all have a, money operating system.  That is sort of another way  of saying, money blocks. 

How, money blocks, are formed

As a child we hear adult say: 
  • money, doesn’t grow on trees,
  • you have to work hard for, money
  • money, is the root of all evil
  • Money, is evil and rich people are greedy.
  • I wonder who she had to screw to get that job.
  • You see your parents fight about, money, all the time.

 Whatever it is, everyone will have a different set of, money blocks; because not everyone has the same, money operating system.  

I was in financial planning and trying to, build wealth through real estate, so I was making, money. I actually had a six figure income; but spent more than I earned. 

How do you manifest there’s never enough, money, when you have a six figure income?

There was one year  I earned $120,000 in income and I spent $150,000.   I attended a talk at a Financial Planner Conference and this woman, who is now a personal friend of mine,  talked about, money blocks, and,  money, psychology.  She used the term over spender”. I had never heard about, money blocks,  before that talk. Being an over-spender is one way to manifest, there is never enough money. 

Another way you can manifest, there’s never enough money, is by being an, under earner. There are some of you listening to this podcast; you just can’t seem to earn what you know you’re worth in the marketplace. You are actually sabotaging yourself

  • You deliberately pick the jobs that are under earning.  
  • You under promote yourself,
  • You don’t ask for raises,
  • You get contract gigs and spend six months unemployed.
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Hilary – To make a long story short, I put what I learned into practice I paid off all my debt and then  I got really honest and transparent about where I was financially.

I lived in my mother’s guest room for a while to make it happen. I lost that condo and I paid off the debt. I started putting my money where my mouth was in terms of building my business.  I now run a registered investment advisory firm. We are all women, owned and operated.  

My business earns about a million dollars a year. My husband and I just share the numbers; because I want to normalize people talking about, money. My husband and I have a house in Silicon Valley that’s worth two million dollars and if you put together all of our other investments, we’re definitely what you would call financially independent. We have, financial freedom. 

Build Wealth, by having your, money, work for you.

Now we have, money, work for us; but it’s a skill set that I didn’t always have. I have found out that my purpose on this planet is to coach people, especially entrepreneurs. For those people who run businesses, the sky is the limit for them to remove their, money blocks, wherever they may be. 

I figured it out. I sort of put myself in, money, boot camp. I didn’t buy a cup of coffee in a coffee shop for two years. When I was in boot camp, I got very conscious about what I was saying about, money.  I now use linguistics as the foundation of my coaching.  Anyone I coach, the first thing we do is remove  I can’t afford that.” from our vocabulary. 

Those words are not allowed to come out of your mouth. You either say “Oh great, let me see how I can work that out or  “I‘m going to put that in my spending plan.”

Myrna – That’s awesome. Your language about, money,  is very powerful. Let’s talk about, money mindset block.   My audience on the radio are mostly African American and  sometimes they are in the poverty space.  Our community  is predisposed  to over spending.  We want the nice things, we want the designer shoes and bags.

I was talking to a guy one day, he was wearing nice running shoes and he said they were Kanye West shoes and cost $400. I couldn’t help thinking  what was his, money mindset, to spend $400 on Kanye West running shoes? 

What is a, Money Mindset Block

Myrna – What exactly is a, money mindset block, and how does that show itself for somebody that’s looking at their spouse and saying maybe they have a, money mindset block?

Hilary – First of all, the idea of the, money operating system, is the lead, money block. For me it was there’s never enough money and so all my, money blocks, are going to harmonize with that particular lead, money block. For example, let me just say each individual is different and I don’t mean to answer questions for someone who isn’t even here;  but let’s take the example of the person who spent $400 on Kanye West running shoes and maybe can’t pay rent, so there’s an imbalance there.

If you ask that person why he spent $400 on running shoes, he might say:

  •  I need to have this to be socially accepted,
  • I need these shoes so that people can think I‘m wealthy,
  • I need to have these shoes,  so that people can think I‘m powerful. 

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Then you would ask the question.

  • Well, do you have those things?
  • What do people think about you?
  • Have you achieved this goal?
  • Is that desire fulfilled for you?

And if you really look, it’s probably not because we need another pair of shoes or another designer bag or any other another brand name to become socially acceptable.  It’s an infallible hole that you can’t fill with designer shoes. Instead, if you can reposition in your mind,  if you’re really tired of your, money, going the way that it’s going, if you’re sort of fed up and a little bit disgusted with the fact that you know you’re a smart capable educated, well-intentioned person and money isn’t working for you in your life, that is how you clear a, money mindset block. 

What are your 7 steps to,  build wealth?

Myrna – You have 7 steps to, wealth, is that how you coach someone that maybe have an overspending problem or they have a, money mindset block, problem or their, money operating system, is not working properly? 

Step 1- Permission: All effective coaching starts with permission. The first step is to decide you have, money blocks,  to make the decision that you’re ready for change.  There’s no denying that you’re giving up the Kanye West shoes and the brand name bags and other creature comforts. A lot of people who make financial transformation to, build wealth, find that they have to move.

They actually need a lower cost place to live; they need to give up the beautiful leased car so they can pay cash for a car and don’t have monthly payments.  You are lowering your standard of living in the beginning and that takes courage. It takes willingness to sacrifice, so after you’ve made a decision then we catalog your vocabulary about money, this is really important.

Step 2–  Your money vocabulary –  no one ever wants to talk about, money.  You need to talk about money, to find out what your friend is doing; what’s working, what’s not working. You can provide advice or ask for advice if you want. What do you say to yourself about, money? Maybe some people think in pictures about, money, or maybe it’s just an emotion.  You think about spending, money, and you get excited; you think about saving, money,  and you get sad.

I have my participants that I coach,  actually spend a month doing a, money, conversation log. What do you say to your partner about, money? How do you tell your customers about, money? For example, if you’re a real estate agent and someone wants to pay you a four percent commission instead of a six percent commission, what do you say? What are the actual words that are coming out of your mouth?

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So, let’s get specific about what you say about, money. We’ve got a map, we’ve actually got kind of your, money blocks, in black and white in front of us.

Now, we can really start the coaching. So, we have sort of highlighted and done the private detective work figuring out, what’s your actual, money blocks.

I‘ll give you an example, someone I coached found this counter intuitively. She felt rich when checks would get mailed to her, so she would put the checks in her desk and not send them to the bank. Isn’t that strange? I can’t even identify that block, that is like a serious, money, scarcity thing.

Myrna –  Did she not know the checks are only paper unless you get the, money?

Hilary – No. It was completely just something she was blind to, until we did the, money, conversation log and she saw it.

She saw it for what it was and she’s like oh my God, this is crazy behavior; but no one’s ever asked me about my, money, behavior, so I never thought about it.

Step 3 –  logistics of money I don’t teach budgets, I think budgets are overwhelming and too detailed for most people. I think that people spend a lot of time designing a budget and then they never honor it or live by it, because it’s too restrictive .

Step 4 – Earn money – You can’t categorize every single expenditure you have, you’re a busy person with lots of responsibilities.  So instead, I teach a system I call automation. It’s sort of like the equivalent of irrigation in your garden little hoses bring, money, to the places where it needs to be.  People love it. 

  • you pay yourself first,
  • you pay your overhead
  • you save for your short-term goalsmaybe your next car 
  • you save for your financial independence first.
  • Then what’s left over, You spend from one account and that way when that account gets to zero, you’re not at zero, your money goals are already funded.

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That’s the plan and honestly most people get through the plan because it’s very front-loaded. It is a lot of work in the beginning; but once you set it up, just like irrigation, it happens every time you turn the hose on. People pay a lot of, money, to coaches to figure out how to earn money and they can’t figure out why their, money, still doesn’t work for them and it’s because they don’t have these steps.

Step 5 – The ASK mindset –  Learning to ask is a  mindsetYou can ask for a million things :

  •  you can ask your credit cards companies for a lower interest rate,
  • you can ask your insurance for a lower premium,
  • you can ask your memberships for a discount.
  • You can ask  for a discount at Star BuckJust go askThe point is not whether you get the discount or not, it’s having the mindset to ASK. We do a challenge inside my coaching program called “Get 100 No’s  You win the game by getting a hundred no’s and my assertion is, It will change your life. You’re building strength your, money blocks, are going to be different. For someyou’ll find that your, money blocks, are operationally systematized in your business processes.

Step 6 – Clearing the, money blocks.  in your business –  As an entrepreneur you’re either under charging for your products or services or you’re not spending enough effort getting prospects into your funnel. Whatever it is, there’s some part of the process that’s broken for youMy training is called “Eight Ways Business Owners can Transform Revenue into Personal Wealth, it is anon-demand training from October 8th to 15th.

So, you definitely want to go grab it.  This training is really for entrepreneurs who are sick and tired of working so hard for the, money, and having not much to show for it.

Step 7 – Protect – Once you clear your, money blocks, you can, build wealth, by protecting what you built.

I just want to show you how to climb out of that trap in this training and the great news is it’s totally FREE. You can grab your copy of that training by going to www.hillaryhendershott.com/myrna.

I want to encourage you, please subscribe to the Transform Your Mind’ YouTube podcast’s channelDefinitely trying to grow our audience. 

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Additional Resources 

https://blog.myhelps.us/rich-wealthy-9010-rule/

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