Lesson #3 in 3 Part Series: Having Financial Abundance with Emotional Freedom Techniques

Will You Be Financially Successful?

Often clients will come to me wanting some sort of change in their life. Maybe it’s in the area of their health, with weight loss, relationships, greater financial abundance or to have more success in their business.

Emotional Freedom Technique is the powerful ‘Secret Weapon’ that I use in my practice to facilitate change by removing past traumas and limiting beliefs.

But I also share with my clients that changing or transforming into a new way of being, when one has had a certain identity for years (ie: I’m overweight, I’m a procrastinator, I’ve been single for years, etc.) will take an amount of shifting and therefore time. It’s a transition.

This should not be a depressing fact but a truth that supports this transition of where you are now to where you want to go or who you want to be. And I’ve learned how to use EFT to ease any ‘growing pains’ during this process of change.

In this last lesson of our 3 Part Series of Financial with EFT, I want to share how you can ‘tap in’ your new desired state and goal.

And because we are focusing on finances, it’s important that you really see yourself as someone who is financially successful and someone who can maintain financial security.

If you don’t feel you can be someone who is financially secure and abundant, chances are a part of you will thwart your efforts in the area of m0ney and finances.

So what to do?

How to ensure that we can have the finances we desire and be able to be comfortable in this new financially successful identity?

Use EFT to Tap in the Positive.

Here are some EFT scripts to assist:

ET (even though)
I’ve never been good at numbers/with money… I’m choosing to learn how and I deeply accept myself for this decision

ET
I haven’t been the one that is the most financially stable/successful in the family I’ve decided to accept myself and I know I can change if I want to

ET
I wish I had more money because I work so hard and it seems like I should have more by now…I intend to attract the resources so I can be financially abundant

When you use empowerment statements (I’ve decided, I’m intending, I’m choosing to) you are tapping in financial abundance because the more you will FEEL hope, inner power and peace towards yourself, you are connecting with success.

And these attributes are at the core of every successful person.

So Use Emotional Freedom Technique to tap in your financially successful identity and see you and your bank account grow.

AnaMaria Herrera, EFT Practitioner, also known as “Agent EFT” specializes in assisting her clients reach their personal and professional goals with greater ease using EFT Emotional Freedom Technique. She is the creator of the got EFT?(tm) Series of educational products teaching Emotional Freedom Technique to laypersons and EFT Practitioners. Check out her free e-course: The 5 Biggest Mistakes Made with EFT: http://www.gotEFTsystem.com

(Copyrighted Material) The stock, bond and financial market are going crazy. The DOW closes down about 600 points in a week and NASDAQ follows. The giant banks such as Citi Bank (Citi-Group) goes from $48.00 per share to less than $18.00 per share in a matter of 90 days (a change whether up or down- never seen before in the company’s history), losing over $120 BILLION dollars in value. Similarly falls take place for Bank of America, Washington Mutual and one of the largest home lender’s (Countrywide) stocks. Countrywide stock goes from $45.00 per share to a little over $5.00 per share in a matter of a few months (an action never seen before), these are all clear indication that there is something wrong with the market and economy.

Such banks and lenders don’t fall in such way so quickly unless something big is wrong. Of course, it was all because of the Government giving the banks all the rope they needed to hang themselves by allowing them to lend money to everyone with any type of credit rating (score). Meaning, the government did not regulate nor set policies for the banks to limit their lending to people who have bad credit. As a result, all those who had bad credit are defaulting on their loans and causing even some of those with good credit to suffer as well. However, this was NOT the only reason in banks’ failures. The banks also made the loans attractive for a lot of people for the first few years, by offering low ARMS rate (read all about it in Your Credit = Your Life book. I wrote the book and promise it talks about our real life credit and money problems). The Government wasn’t accepting the fact and has been putting its blind eyes. Finally, the Federal Reserve is realizing the problem and is continuing to reduce interest rate hoping that the economy and all the sad financial companies’ news would go away and things get back to normal.

What do all of these mean to you?

As the price of Gas and Oil goes up, the retail stores that have to transport their goods to the stores (making the them available to you), have to raise prices, cut corners and lay off workers in order to cut cost and control expenditure in order to stay profitable. The same goes for almost every other company.

As a result of all these changes in the economy and corporate losses, you and I will be effected (if not effected yet). Therefore, you must understand your financial environment and make certain that you do NOT get affected directly and quickly. This means you need to get a grip over your money and finances.

Your Credit and Financing You have two options.

If your credit is good:

If your credit is B or better (credit score of 740 or better), do NOT get excited - go spending money now. Because, until the dust in the stock market settles and/or the price of OIL/GAS come down (if ever), you need to keep the good credit so that you can use it for investment in areas such as REAL ESTATE, and other properties that have been taken away from their previous owners and will be sold CHEAP (cars, boats, planes…). Or use your money and buy some of the CHEAP stocks (Citi- C, Freddie Mac- FRE, etc.). However, I do NOT suggest borrowing money to buy stocks. I am NOT giving stock analysis or advice. Do your research.

If your credit is NOT good:

Now it is the time to fix your credit and take control of your financing.

Although Mike Samadi taught colleges and universities in the area of computer programming and engineering, his desire in life has been to teach those who have a willingness and need to learn. He initiated his design and development of application software packages as he planned to leave institutions of higher learning (teaching those privileged) to become advisor to less fortunate with greatest needs. Meanwhile, he took on the task of assisting others with their credit management/repair, which blossomed into a full time obsession. He learned this trade from the experiences passed down from his generation to his father who studies economics and been multi-millionaire real-estate investor for nearly 50 years. This was a part time interest to him that grow to become his passion. It developed to something big especially when he literally got burned out of his projects. At that time, his direction in life changed and he became consumer-advocate and extended his effort in credit management/repair advisory. As a result of nearly 12 years of doing so, the consumers who received his assistance and became friends persuaded him to write a book about the credit and money management matters. Thus far (in the past year), he authored two (2) books, one that is called: “Bad Things Happen to Good People. Your Credit = Your Life, Fix It Now!” which is in its second edition. Second book “Saving Your Money.” Touches areas giving consumers access to gain knowledge and experiences needed to overcome their financial problems. While nearly completed his third book, “Consumer Advocacy,” Friends/scholars alike urged him to write about his short but fulfilled life. His believes in: “More is Lost by Indecision than by Bad Decision”, “Knowledge is Wealth”, “Ask and you shall receive” among others.

For Q&A and comment go to http://www.MasterCreditRepair.net

What would you say if I promised you to cut your expenses for shampoo, conditioner, moisturizer, hand soap, dish washing detergent, laundry soap and a few others by 50%? You do not have to buy anything, you can use the brands you love and already own, and you can start saving 50% in the next 2 minutes, or however long it takes you to read this article.

Here it goes: Take any form of soap (hand soap, laundry detergent or shampoo) you have in the house and look at the first ingredient. I bet you dollars to granola bars - it will be “ta-da” “Water”.

Sometimes it will be labeled “purified”, “ionized” or my personal favorite “aqua”, like we could not figure out that that means water in Latin. So all you have to do is add more “aqua” and voila your shampoo is half the price.

I know this sounds weird, but the added benefit besides the savings are that your shampoo will work better! And just so you know that this is not a typo - your shampoo, detergent, soap etc will work better, will be gentler on the skin, and gentler on the environment. If you still do not believe that this works think of it this way: Would you ever goop your shampoo straight on your dry hair? Obviously not. So you wet your hair first, but you realize you could just wet the shampoo and get even better results!

My mom, who was a hairdresser when she was young always said that all our commercial soaps, and let’s face it that is what shampoo and all the other products mentioned really are - plain old soap - are way too concentrated. They dry out your scalp, leave way too much residue and don’t really clean all that well.

Now, somehow we have gotten used to the idea, that shampoo is supposed to be a thick gooey mess - and once you water it down it will be quite more runny - but just apply it directly to your hair and not first to your hands and you will not even notice. Also, it helps to have two bottles.

So here is how you do it: When you run out of shampoo, keep your empty bottle - do not recycle it just yet. When you buy your new shampoo you fill each bottle about half, top it off with water and stand it upside down - so it mixes well. There you have it - two shampoos for the price of one.

This works really well with shampoo, conditioner and to some extent with moisturizer. Depending on the brand you will have to experiment with the exact ratios. I personally think that the cheaper the soap the more you should dilute it. Milder shampoos already will have more water in them - that is what makes them mild! I have tried this with “Kiss My Face”, “Jason”, “Mountain Ocean” and others.

http://vegetarianonthecheap.blogspot.com/

Those who need vehicle for their commercial purposes would quite like going for the commercial vehicle finance. These loans are specialized in providing the best services by letting people get any vehicle of their choice, whatever the cost of the vehicle is. Though certain conditions of the borrowers will matter while offering these finances, still its help is worth mentioning.

For a commercial business to be successful the presence of vehicle is quite necessary. Without a vehicle the marketing, production and distribution tasks will left undone and therefore, these loans are quite necessary for those who cannot afford to buy commercial vehicles.

For buying any vehicle you will first have to choose from among the secured and unsecured loans. For achieving the secured loans the borrower must be capable of offering collateral. Without putting anything as security no one can borrow money in these forms. It will enable you to afford costlier vehicles as the money offered in it is big. Also the rate of interest of these loans is quite low.

The unsecured loans will assist you in buying low rates vehicles which can be used for light commercial purposes. Though the amount offered is small and the rate of interest is higher, you would like to go for it as these do not demand for collateral. For avoiding the higher interest rates, if you want, you can choose other loans available in the loan market.

Such loans use to offer 90 to 100% of the real value of the car as collateral. So, you can choose any of the two forms of loans based on your choice and capacity and get any car you want.

Commercial vehicle finance is securable by the bad credit holders too. For that they may have to pay a bit higher interest rates. But other than this all other facilities will be enjoyed by them. CCJs, late payment, bankruptcy, skipping of installments, defaults or arrears are allowed in it.

Elizabeth Swann is currently working as an expert author for Commercial Loan Finance. She writes for loans and finance and provides advices on such issues. For more details commercial vehicle finances, Business loan finance, Business loan finance UK, Real estate finance visit http://www.commercialloanfinance.org.uk/

Auto loans for bad credit are offered to people who have acquired bad credit by late and/or missed payments. A bad credit auto loan helps to re-establish the credit history of borrowers. Bad credit auto loans can be used to buy a used vehicle. Sometimes, these loans can be used to finance a new car. Bad credit auto loans are short-term loans, and their repayment period extends from 48 to 60 months.

The first step in the process of applying for a bad credit auto loan is to determine your FICO score, also known as credit score. Credit bureaus such as Equifax, Trans Union, and Bradstreet can determine your credit score. A credit score of 650 and below is regarded as bad credit. Borrowers with poor credit are usually offered high interest rate auto loans. The next step is to search for a trustworthy lender. The Internet is a good source to locate lenders dealing in bad credit auto loans.

Financial institutions, banks, credit unions, dealers and brokers extend bad credit auto loans. All of them employ a kind of risk based valuing approach in offering bad credit auto loans. A co-signed loan is one of the best options for a bad credit auto loan. If borrowers fail to repay the loan, the co-signer undertakes the responsibility to pay back the loan. In order to secure bad credit loans through dealership, borrowers have to pay premium prices.

The last step is the comparison and evaluation of interest rates and fees charged by various lenders. Auto loan quotes from multiple lenders can be used to select the most competitive interest rates.

Bad Credit provides detailed information on Bad Credit, Bad Credit Loans, Bad Credit Credit Cards, Fix Bad Credit and more. Bad Credit is affiliated with Bad Credit Auto Refinancing.

Many families and individuals are stressed by financial problems. A great way for all Canadians to relieve some of the financial pressure is first to know what is happening with their money.

A good first step to begin managing your family’s finances is with a personal budget.
A good personal budget will help pinpoint which category most of your money is being spent and where you can or cannot adjust your expenses to better meet any future goals (like debt reduction, a vacation, or a home).

To create a personal budget, you first need all your expense receipts for the last 3 months, including credit card statements, utility bills, insurance, mortgage, and any cash receipts. Basically, any money that was spent in the past 3 months needs to be tracked.
You can use a excel spreadsheet or a simple notebook to write down all and any expenses incurred.

After you have all your expenses noted, figure out your net income for the past 3 months. If you get paid on commission calculate the average monthly commission for the past year (or 6 months depending on how long you’ve worked on a commission basis).
Include interest dividends. Your net income is your take home pay.

Next subtract your expenses from your net income. Ideally, you should have money left. And as you track your expenses keep an eye on where most of your funds are going. Is it in a category that can be reduced? For example, can entertainment costs be reduced by eating in more? Can the grocery bill be reduced by clipping coupons or planning meals ahead of time or shopping during sales for frequently use items?

These are questions to keep in mind when you create your budget. Also ask yourself what your short and long term financial goals are?

Now to create your personal budget, review how much you’ve spent in each category.
When creating your budget stick try to stay reasonably close to your previous expenses.
But be honest with how much each category’s expenses can be reduced by.

Continue to track your actual expenses each month and revise your personal budget every 3 months so it stays updated with current cash flow events.

The whole purpose of creating a personal budget is to discipline your spending habits and to create a mindful financial spending and saving plan. A few fives her and there is only shocking when you realize you’ve just spent $100 worth of five’s. A personal budget should prevent that. Keep in mind, your personal budget can be adjusted. You might need to add an extra category, or maybe remove an expense category. As long as your budget helps you stay on track with your short and long term financial goals; that’s fine.

Stay on track with your goals and your budget. It’s difficult in the beginning but gets easier as you learn to spend your money in a critical manner. The end of the year is a great way to see how you’ve progressed further along your goals and you might be surprised to learn how much of your expenses have been reduced and where they’ve been reduced.

Monty Loree is the founder of http://www.canadian-money-advisor.ca which helps Canadians better understand their money, credit and the financial industry in Canada. In our financial podcasts, we are interviewing industry experts who give our visitors the truth about the financial industry. Canadian Money Advisor is an important source for Canadians to learn more about their money.
More about personal finance: http://www.canadian-money-advisor.ca/tags/personal-finance.html

In the midst of a credit crisis, tightening bank lending standards, and an economic downturn, alternative methods of business financing is one of the hottest topics amongst business websites and business magazines.

In its small business section, CNNMoney.com recently featured an article titled, “8 Places to Get Financing.” Business Week has featured articles titled “Collecting Money in a Bad Economy,” “Risky Financing for Cash Strapped Startups” and “Credit Cards Replace Small Business Loans,” and all over the internet you will find articles offering small business financing tips for small business owners whose businesses are being affected by the economic happenings of today.

But even some of these alternative methods of business financing are becoming harder to get. In an article titled “Angel Investors Get Picky,” Business Week’s Amy Barrett writes, “Competition for startup cash is tougher than ever, and companies that might have sought venture capital in the past are turning to angels.” But according to the article, even though the number of angel investors has increased, the amount lent has only increased very slightly and is expected to “hold steady” this year.

With that said, there is obviously a need for more available business financing, and to the advantage of merchants, there is another option; merchant loans, a way for merchant business owners to use their business’s credit card sales to get funds for their businesses.

Lenders who provide merchant loans do so based on the borrower’s credit card sales. In order to receive a merchant loan, a merchant’s business must process at least $2,500 in monthly credit card sales. If the applicant meets this requirement, lenders will review the last four months of the business’s credit card statements, and determine how much money that business qualifies to receive. The borrower can then receive that money in as little as ten business days.

You may already be sold by the ease in which merchant loans can be acquired, but it is the repayment process that makes merchant loans so suitable for owners of retail and service-oriented businesses. A merchant loan is repaid via a business’s credit card sales. Meaning, every time a customer makes a purchase using a debit or credit card, a small percentage from that sale goes toward the repayment of the merchant loan. These repayments go with the flow of the business, making it easier on business owners who don’t have to worry about a loan payment being too high for a particular month.

In a time when even the “alternative” sources of business financing are becoming harder to land, merchants have the upper-hand. Merchant loans are available for use with few requirements, and a simple repayment process that makes them ideal for merchant business owners.

Gaston C. writes articles about Merchant Loans for Merchant Resources International.

No credit or bad credit lets one down with a misgiving if there is any provision of car finance with a company for a person like this. Of course, there is such provision which is known as guaranteed car finance. This finance is termed as guaranteed car finance because one avail it in any condition; that is, one has good credit in the market or not. Actually there are many finance companies which are any committed to help the prospective customers with loans to buy a new or used car. Now one thing is for sure that guaranteed car finance is a great advantage and people need not bother any more about whether they have a good credit or a bad credit. What they only need is to be in job and the car of their dream is on the way to them.

The UK is the country where guaranteed car loans have been in vogue for a very long time and now its demand is mounting gradually in America. This car finance is easily gettable, only if a person is secured with a job, a house and a down payment. This has given air to the imagination of those who are dreaming to buy car of their own choice. As finance companies want to make business at all cost and in all possible ways, they have found this guaranteed finance as a successful move.

Before moving for guaranteed financing, borrowers must be sure of a few things such as residential and job proofs, and if they can make a good amount of down payment. If these conditions are fulfilled, they can go ahead. They should always go for such a vehicle which comes within their means and for that they can make the amount of down payment. Actually it is the cost of the car and the amount of the down payment which will determine the period of loan. All these things no doubt mean that this guaranteed car finance has come up a sharp edge on the traditional kind financing stuffs.

Even if one thinks of changing one’s vehicle during the period of guaranteed car loan, one need not cut a sorry figure, as most dealerships offer flexibility to their customers. And this flexible nature of finance applies even when one has taken guaranteed finance. But, what one has to do is to keep up excellent reputation on the loan. This may prove highly advantageous in the sense that it enables one get into a further deal of changing the car with the dealership.

NetCars is one of the UK’s leading Car loan websites. First established in January 2000, its mission is to become the number one site for Car Leasing and car loans searches.

Here’s how I plan to turn the $1,000 per child that the Rudd Government is giving to my family on 8 December, 2008 into a gift that lasts for life.

For those readers who are either not Australian, or who are not aware of the recently-announced financial assistance the Australian Government is offering to families; here is a brief of what is on offer.

The Australian Government, which happens to be in Surplus (given the amount of debt per capita, I am not sure what this is a Surplus “of”…), announced recently that if you have children and you fall within the “Family Benefits Tax A” bracket, then to help ‘boost’ the economy, the Australian Government is offering families a cash payment of $1,000 per child, to be paid on 8th December 2008.

There is a whole swag of other payments being made right across the country to Age Pensioners, Disability Pensioners, Carers, and others, on the same day. The media had a field day, rejoicing in the announcement, saying that families will be able to spend this on Christmas presents and will boost Christmas sales and the economy. People everywhere are plotting how they will spend the unexpected booty.

Not me! I have bigger ideas than that and will actually be applying the cash handout to remedying - at least within my own family - the underlying cause that’s behind this whole sorry mess in the first place.

That is to say, I will be putting this money to work. I will use it to create more money for my children, which will, in turn, be reinvested to create recurring incomes, from a number of sources.

What’s more, I have found a way to do this in a risk-free environment - outside of the stock market, and outside of the property market - yet which allows me to invest small amounts in carefully selected businesses by purchasing their products and receiving profit-share from sales. More on this in a minute.

First off, I will open a bank account in each child’s name to accept their windfalls and start their Investment/Savings plans for the future.

Of the $1,000 each receives, I will put into action what every Investment book out there tells me to do. Invest 10% of all money received into growing more money.

So, $100 per child will be invested and put to work using the strategies set out in the free book “How To Let Your Money Make More Money Online… While You Are Busy Doing Other Things,” by Taylor Adams.

This has taught me exactly how to use subscriptions to online companies from just $5 per month as profit-generating investments. Money Buddy Alliance (MBA) offers a free service, so I am not paying any money to them. The money I pay is to my own subscription account, in return for which, I receive the product I subscribe to, along with a profit-share in the form of commission income. How cool is that?

$100 will more than cover a 12-month subscription to my children’s first Investment. So I can just pay the annual amount and not even have to think about it for the next 12 months.

All of this I have already had set up in my own name for some time, and know from my own experiences that it works a treat. So I will simply create a subscription in each of the kids’ names, and basically set them up for life.

There is a reinvestment strategy for when income reaches successive levels that will pay for a series of additional investments from profits, one after another. It’s so easy.

MBA just lets me know when my profits are sufficient to add the next investment position. I then take a look at it, and if I like it, I commence reinvesting in that one too. So far I have 8 different investment vehicles at various stages of development, from well established to very new. It’ll be fun teaching the kids how to do this as they grow.

Sometimes I still am amazed that for as little as $5 per month I can set my kids up for life in this way. And anyone can do it.

So what am I going to do with Kevin Rudd’s Christmas bonus - the $1,000 per child ‘windfall’ that the Australian Government has given to my family…??

I will teach my children how to invest just 10% of that money. I will show them how to purchase their “Money Tree seedlings” - an annual subscription to an online gardening club; which costs just $5 per month and pays out 90% of its subscriptions to its members.

This will dovetail very nicely with the gardening that we are teaching them in our own suburban backyard, where they now have a thriving worm farm and lush crops of organic fruits and vegetables.

I will teach them how to set up their online money processor which will collect their commissions, and pay their subscriptions from profits when renewal time comes around next year.

Everything at Money Buddy Alliance is kept so easy and straight forward, it’s just like following the “bouncing ball.”

This is the first step of a program that will teach my children how to invest their Christmas bonus money and put it to work while they are busy being kids; and I can monitor and watch my children’s investments grow, while I get on with being “MUM.”

For a free report called “The $5 poverty Cure,” send an email to Leanne with “$1,000 Family Tax Benefit A” in the Subject line. A detailed report will be sent to your inbox outlining how to start putting YOUR money to work, so that you will be ready to help start your kids’ investments when you receive Kevin Rudd’s Christmas bonus in December 2008.

Leanne Cane
leanne@moneybuddyalliance.com

Because we want so much to protect our investment in our homes, many of us have fallen victim of policies that are hugely expensive. That our homes are very important is not up for discussion, which is the more reason why we should take some time to decide on what policy we need to take out. We can be sure of saving ourselves some good amount of money by this simple step.

Correctly valuing your home is the first step towards saving. A whole lot of people make the mistake of including the cost of the land on which the property is built in the value of the property. This is a big mistake. Treat the building and the land as two very different things. Congrats! You have just saved a lot of money by doing this. When it comes to home insurance and any other for that matter, going with a low deductible though it looks attractive, might not be exactly so.

On every policy, the insured is expected to make a contribution before the insurer would honor their claim. This is called a deductible. This is very important. If you want a lower premium, then you would choose a higher deductible or you would choose a lower deductible and get a higher premium. Haste is never to your advantage when choosing a policy. Carefully search for a policy that exactly suits you.

Comparing quotes from quotes sites is a very good start. AT a quotes site, you can easily know rates offered by several insurers for your specific need as shown by the little information you would supply and so don’t have an excuse, this service is offered to you completely free.

To be sure you are getting the best deal possible, you must compare several quotes from different quotes sites. Here are two free quotes sites that I can vouch for. To get your low rates, visit them.

Insureme Quotes!
Hometown Quotes!
Chimerenka Odimba is the publisher Several finance based sites.