Paul's Web Blog

Archive for March, 2010

I wanted to touch on this subject as it relates to all areas of your life, but in this short discussion, I want to explain how false assumptions, fear and reinforcement can create effects in your life that can be debilitating and they need not be. For the purposes of this article, I will use an analogy and try to relate it to illness since we have been discussing illness in the last few articles.

Lets assume that you awaken one morning with severe indigestion that is very unusual for you and you wonder why you are feeling so badly. You begin searching your memory to see if you can remember anything that you had recently eaten or drank that could have caused the indigestion. You remember that in your last meal, dinner the night before, you drank a glass of milk which was very unusual for you, so it occurs to you that maybe it was the milk that gave you the indigestion. Your memory calls up information that you had read about some people being “lactose intolerant”, and that seems like a logical reason for your problem. You wonder if you could have become lactose intolerant in the years since you had drank milk and with this information at hand, you decide not to drink milk again for a few days.

Now, here’s the important thing, it matters not if this is a plausible assumption or not because now you have planted the mental seed, a “fear” of drinking milk even though milk may or may not have been the problem. So your decision “not to drink milk” is actually a reinforcement of that fear and the “lactose intolerant” idea is imprinted in your belief system and becomes more probable as your belief intensifies. In this case, the decision “not to drink milk”, reinforces the belief that you may indeed be lactose intolerant. The interesting thing here is that not drinking milk, a non-action, reinforces the limiting belief even though the limiting belief is false.

So, when you “don’t” drink milk for the next few days and the indigestion does not return, you assume that milk was indeed the cause of your indigestion when it may have been nothing more than a temporary inconvenience that would have dissipated and disappeared had you just ignored the problem. The important thing here is that you can sometimes “over think” innocent and meaningless trivialities in your life, to the point that you give them energy that they do not deserve, reinforcing the faulty belief and possibly causing bigger problems in the future. You get what you concentrate on and if what you concentrate on is negative, you get negative results. The creative process is neutral in that respect.

Remember, what you are experiencing NOW was once the future viewed from the context of your personal past, so it is important to consider what you accept into your current belief system, because what you think about today will become real in your present tomorrow. Now, it is important that you not take this too literally, trying to analyze your every thought, becoming over protective of your unique, free wheeling, freedom of choice type of consciousness. It is important that you understand that the relevance of “concentration and expectation” in creating your future.

I have said this so many times that you are probably getting weary of hearing it, but it cannot be said too often, “You get what you concentrate on and what you expect”. If there is a law of attraction, then there is a law of “concentration and expectation”, quite possibly the same law viewed from a slightly different perspective. So, I hope you can see how the innocent enough assumption that milk created the indisposition in our little analogy, given enough impetus and lingering concentration, could indeed bring about reoccurring lactose intolerance and indigestion even though the initial assumption was wrong to begin with. You will indeed be creating exactly what you want to avoid.

A fleeting thought does have a reality of its own, but fleeting thoughts, thoughts that happen and disappear, will actualize as something, somewhere, but because of their temporary nature passing harmlessly out of your system, they will not appreciably affect you. What will affect you is the continuing acceptance of a thought as valid and perpetuating that thought, in a sense, energizing it and giving it more reality than it deserves. When a thought becomes a belief it begins to materialize and become an integral part of your life whether or not it is true or false.

Of course, you can use this knowledge to your benefit by realizing the importance of what you allow into your belief system. It is very true to say that you are the result of your accumulated beliefs, for better or worse. You are the physical appearance of an inner state of being. If you are a physical wreck, if your health is bad, if you are depressed, if you lack financial stability, your family life is discordant, then you need to give some serious attention to the belief system that you have acquired over time and consider making some adjustments. What you are inside will manifest itself outside. The physical body is a barometer of the state of your inner psychological reality which will eventually show itself in the corporal body.

Be careful when making assumptions because it doesn’t make a hill of beans difference whether your assumptions are right or wrong, when an association is made, it will begin accreting affirming evidence of its own validity. Once accepted, even a wrong belief will prove itself to you, because you see, you will also unknowingly be creating the corroborating evidence because of the belief. You will always find what you are looking for because any evidence disproving the belief will gradually fall to the wayside and disappear since you pay it no attention. Any closely held belief, right or wrong, true or false, valid or invalid, will always make perfect sense to you since the ego will filter out any contrary evidence and conflicting beliefs will become transparent. What you pay attention to will endure and what you ignore will disappear.

Remember this, today’s truths will be tomorrow’s fictions. When a belief, true or false, becomes universally accepted in your world, it will always work for a limited length of time, then a new belief will surface and replace the past belief and the new reality will follow. That is why, over time, you will find that one diet works perfectly up to a certain point, then a new diet will become the rage. As more and more people accept the new diet method of weight loss, it will become the accepted world belief and will work, even though it may be diametrically opposed to the previous method which also worked for some time. You could legitimately say that what everyone believes, will work. When societies beliefs change, then the reality will follow.

Next Article Preview; What you Want Exists Now – How to Get It.

If you think that purchasing a rental property and renting it out and collecting is just that easy you’re very wrong. If you look at it from the standpoint of it being a way to generate extra income then everything looks great because besides the income from the renters you may also profit from housing price increases that have been going up for quite a few years.

There are disadvantages of being a landlord of a rental property. Being a landlord is much more than just collecting the rent on the first of every month. There is actually real work involved along with high financial risks. Following are a few things to take into consideration before your make an investment in a rental property. Any rental property is unlike any primary residence, the rental property is a real financial investment. When you purchase a home it has more of an emotional aspect than a financial investment in a rental does.

You are an “investor” not just the owner of a property. This means that you have to change your way of thinking and look at this property in terms of profit and loss, risk and reward. There are two main factors that will either make or break you in this kind of investment, namely: 1) Cash Flow – you need to take into consideration how much rent you can collect for this property every month, and then what will be left over after the mortgage payment, maintenance costs and other varied expenses; 2) Appreciation – appreciation cannot be relied upon by owners of rental property to make their investments profitable.

A rental is really a business and is subject to the basics of supply and demand just like any other type of business. Therefore, you shouldn’t have any problems renting your rental if properties like yours are in short supply. It is true that vacancies are your worst enemy when you are trying to generate a positive cash flow from your rental property. Vacancies not only don’t generate any income they also cost you money. Before you invest in any rental property you should protect yourself by making an evaluation of the rental market.

Check the frequency of rental listings in your local paper and talk to all of the realtors and property managers in the area that you can. Rental properties in such certain neighborhoods near schools or universities have a higher demand for rentals than others. When you own a rental property you are in business, you are not just an investor. In order to run your business successfully you must be willing to commit enough of your time and resources that are necessary. It is imperative that you understand how much money and time you will have to spend before you make an investment in a rental property whether you are actively involved on a daily basis or you hire a manager to run the business for you.

Banking and Finance is not one of the topics many people like to talk about. This is because these two areas require some specific information that ordinary individuals know nothing about. At the same time, there are unusual terms such as high yield investment, capital investment and many more. While these terms may sound alien to us, they are the bread and butter of many financial experts. As such, it is with their expertise that we have compiled what these terms mean.

High Yield Investment
When it comes to High Yield Investment Programs (HYIPs), these are non-traditional investments which are not being advertised to the public. There are generally two kinds: the first has a correlation with offshore banking while the other involves trading in gold, shares, futures or other currencies. No matter how many people will say that this is a great way to earn money, there is also a high risk involved. At the same time, a lot of scams have been linked to this type of investment.

Capital Investment
There are two known usages of this in businesses. The first refers to money which a business uses in order buy fixed assets such as machinery, land, or buildings. The other usage for this refers to the money which has been invested in a business under the understanding that it will be used in order to buy fixed assets. This money is not being used to cover the daily operating expenses of a business.

Aside from these two, there are still other forms of investment. So if you are planning to put your money into good use, it is important that you learn which type will best work for you. As always, you can use your extra money for mutual funds. By doing so, you can get to join the interesting world of the stock market.

No matter what you choose, make sure your investment is protected. Just like with capital investment, you have to safeguard your money so the business that uses it, will really put it to good use. Money doesn’t come free and they should know that!

Liabilities can cause a lot of issues further, like personal issues, health issues, mental issues etc. to escape from them one should really do something to get rid of his accumulated liabilities. Filing for bankruptcy might help them to get freedom from their liabilities but it would create more problems for them because of the harsh results of bankruptcy.

It would sound absurd to you but it is true, due to the severe economic conditions, everyone was going for bankruptcy to get rid of their debts but this only made the conditions shoddier, so the government changed the laws of bankruptcy and made it more discouraging to attempt.

According to the new laws of bankruptcy, your credit scores will drastically be lowered down and you will have to wait till ten years to become able to acquire any type of loan again. This means that you will have to start your financial life from the beginning. Now this sounds awful.

Debt settlement program has taken the place of bankruptcy and being attempted more by the people. Like bankruptcy it does not harm that much to borrower’s financial life. It is a simple yet very beneficial method for both the lender and the borrower. Settlement procedure involves mutual discussions between the creditor and the debtor and the debtors negotiate with the creditor to provide him with a discount so that he can pay back the liabilities with ease.

But before you go on and talk to your lenders, you should know what and how to negotiate with the creditors. Do not thing that they will agree to settlement deal easily, they will try their best to defeat you and make you pay to them by any means. Your problems do not matter to them; they just want to get their money back. If you think that you cannot tackle them then hire an authentic debt relief firm about whom you came to know from a reliable source. They will talk to your lenders professionally and will provide you reduction to half or even more than that. However, you will have to pay fees for them after they have reduced your debt.

You need to be above ten thousand dollars in debt to go for this debt relief option. Reduction will help you a lot in getting free from the burden of debts. You will be finally able to live the peaceful life you wanted to live.

Learning how to maximize your tax refund, can pay you big money at tax time. With the help of a tax deduction maximizer you can increase your Federal Tax refund by 15%, 25% or even 50%.

How does a deduction maximizer work to increase my tax refund?

Tax deductions and credits are what enables you to reduce the amount of tax you pay, or to get a larger tax refund. You may be tempted to settle for standard tax deductions and credits, and wind up paying the IRS more than you should. The deduction maximizer will alert you to overlooked tax deductions and credits you may qualify for.

Here are a few of the over 350 free tax deductions and credits available to you:

Home mortgage interest, real estate taxes, property taxes Education expenses Earned income credit, child tax credit, child care credit Energy tax credits State and local income taxes Charitable contributions Home office deduction Medical and dental expenses You could spend a lot of money, paying a tax accountant to find these overlooked tax deductions and credits, but you no longer have to. There are tools on the internet that can help you can master the skill of finding tax deductions and credits, and achieve a triple or even quadruple digit increase in your income tax refund. Many taxpayers settle for the standard deduction rather than exploring the many tax deductions available to them. Before you settle for the standard tax deductions, take a few minutes to explore the over 350 Federal tax deductions and credits.

It’s a great way to fatten your income tax refund!

So many American taxpayers are sick of working for someone else and desire to establish their own companies, but don’t have the funds. Fortunately for them, free government business grants are available to help, or completely finance all of their start up expenses.

It doesn’t even matter what type of business, or how large or small the business plan. If there is a promising proposal and a properly completed government grant application, there may be free government money available as well.

Millions of American taxpayers will qualify to receive quite generous amounts of free government money through business grant programs because there are very few requirements outside of being an American taxpaying citizen over the age of eighteen and having a solid and enterprising business plan to propose. There are also no limits to how many grants you may apply for and receive, nor how much free government money you may acquire. Many fortunate individuals will qualify for several free grants to enhance their business ventures.

Whether you qualify to receive, one, two, or several government business grants, you will never be required to pay any of them back. This is virtually free grant money allocated to taxpayers to establish financially stable and smooth running businesses. Be it large and major corporations, or small and independent home based internet businesses, there is free government financial aid available to most who are willing to locate it.

If you are interested in locating the government grant agencies in your area to apply for small business grants, do a free grant search online today and find out how much free money you may be eligible to qualify for in government assistance. You could be in business in no time flat!