Money Mastery – Three Easy Steps to Mastering Your Financial Destiny

When I was a kid I was constantly told, “We can’t afford that; we can ONLY get this; ask your dad if you can have that; you must save your money for a rainy day; start saving now for retirement.” Don’t get me wrong, I understand the intention of some of these messages and that they may even hold value for some folks but I also have learned that these statements can lead to potential financial paralysis.

By hearing those statements over and over again, I developed what could have been my Money Destiny. That Money Destiny led me to believe I would never have enough money, that I must always save and never spend, and that I was not financially safe. These messages repeated themselves in my mind every time I needed to make a money decision or anytime I thought about money. Soon thereafter I found myself resenting the “mean green” and at times wanting to rebel against it. Thank goodness I realized one day that should I continue down this same Money Destiny road, I was destined to have just enough (not plenty) or none at all for that matter or worry about money constantly, and stay in the middleclass.

When I noticed how I was making decisions that would keep me in the same place and never propel me forward financially, I knew it was time to bust my old patterns, break debilitating money-habits, and create a new money system, a new Money Destiny. Doing this was going to take some mental, emotional, spiritual, and physical work, oh yeah, and financial work as well! It meant I was going to have to stop listening to what I had been told all my years growing up as a child as well as stop playing the “tape recording” of these messages over in my mind. It also meant I was going to have to buck this old system every time it flashed before my eyes! My intention in sharing this article with you is to help you break down your conditioned mindset and build it up with a new one that actually works with you and not against you. This is a mindset that YOU are going to create, nobody else will be creating it for you. Isn’t that exciting?

So what does mastering money look like? Mastering your money literally boils down to one thing: your mindset. Have you ever noticed that when your bills are paid off for the month and you have some extra “bread” in savings, you are just bouncing around the planet like you are rich (even if you aren’t)? However, on the contrary, have you noticed that when you don’t have enough to make ends meet and you’re struggling to figure out where the next dollar will come from to pay your rent or mortgage, you never seem to see the light? And, have you ever noticed that you actually decided, either consciously or subconsciously, which of those scenarios would play out in your life?

What I would like for you to do is sit for a moment and put yourself into both situations. First, visualize yourself in the moment when you have no money, nothing in the bank, in fact you may be in the negative. You’re not going to be paid for another week and all of your bills are due yesterday. What is the first feeling that you notice? Desperation, anger, frustration, helplessness? Take a quick note of that. Now, go to the visual of having money in the bank, all bills paid off and in essence you feel free. You have extra money to do what you would like and everything seems to be going right in the world. Again, take note of the first feeling that pops up for you when sitting in this visualization.

Let’s take an even further step. Picture that you are in control of both scenarios. You actually designate or choose which will happen in your life. And, you actually choose the same scene over and over again. Which do you choose? Do you choose the visualization with lots of money and financial freedom or do you choose the daunting visual? I venture to guess you wish to choose the one of Money Mastery.

The concept of Money Mastery has to do with having a destiny when it comes to money. Some folks actually are destined to be rich, middle class or poor. For most of us, we witnessed how our parents behaved with money, listened to things they said and then modeled after them. If our parents were rich, we figured as adults that we, too, had the right to be rich. If our parents were poor, we grew up thinking we did not deserve to have more money so we followed in the footsteps of our poor parents.

I am here to tell you that you don’t have to follow in anybody’s footsteps when it comes to mastering money except your own. Today, you get to decide your new Money Destiny in just three steps.

Step One: Change Your Money Talk-

As I stated earlier, mastering money has to do with your mindset so if you have been saying repeatedly, “I don’t have enough money” or “I need more money” then I venture to guess you haven’t had enough money for quite some time. So, I challenge you to begin saying(even if you don’t believe it in the moment, trust me, you will learn to believe the following statements wholeheartedly), “I have plenty of money,” or “I am grateful for the money I have,” or “Money is a precious gift.” These are simple statements yet extremely meaningful. These affirmations are packed with power! And here’s why: when we hear ourselves say something, we generally believe what we say-whether it is good or bad-we believe it! Thus, if you are constantly saying, “Money is a precious gift and I am grateful for it,” somehow your mind hears that statements and translates it into action. Before you know it you are taking action to have more money in your life or better yet, money is finding its way to you and you did not even lift a finger!

Do you see where I am going with this new verbiage? Positive thoughts become positive feelings which lead to positive actions that grant you positive results.

Step Two: Change Your Money Feelings-

If you feel badly about money all the time you will not get money in return or worse yet, you will spend it like water because you want to get rid of the bad feeling. Makes sense, right? Therefore, it is imperative to change your Money Feelings.

Here’s an exercise: Take out a one-dollar bill. Look at it, in fact, examine it. Notice what you like about the one-dollar bill. Is it the color, the images printed on the bill or perhaps it is what is stated on the bill. I want you to find at least two things you like about the dollar. Now, sit there for a moment and FEEL what you like about it. It may help you to close your eyes and just be in the feeling, be in the moment. Now, think about what you can get for just one dollar. Maybe an apple, a banana, an orange. Maybe a pack of gum or two packs of gum even? You can give a tip to somebody after buying a coffee or you can get change for your one-dollar bill and put money in the meter to prevent getting an expensive ticket. Do you see how far that one dollar went? Did this give you a new feeling and new perspective about that bill? For what appeared to be a small bill it certainly turned into big things, didn’t it?

The idea here is to constantly associate positive feelings with money in order to get more of it. Let me give you another example. I used to get angry every month when I had to pay the bills. I would say to myself, “I get so angry working so hard for my money only to turn around and give it over to somebody else.” Then one day it dawned on me that I should be grateful that I have the money to pay the bills in the first place! Suddenly I reframed my thinking to state,”I make plenty of money to pay my bills every month.” And believe-it-or-not, I no longer resent that time of the month when I have to pay bills and more money has been coming my way.

Step Three: Change your Money Behavior-

If when you get your paycheck and you turn right around and spend it then I am going to challenge you to pause for a moment and not take the same action. In fact, I am going to ask you to replace that action with a new action: Paying yourself first. What I suggest to my clients is that they take at minimum 10% of their paycheck and pay themselves first by putting it in a savings account, retirement account or money market account. What is better is if you can automate this so you never even see that 10%. These days, most banks or employers offer an automated savings plan whereby they take whichever percentage you desire and they put it into whichever account you want. This is a great way to begin paying yourself.

Now if you are the type who never spends a dime, I ask you the question, “What exactly are you saving for?” Don’t get me wrong, I am not encouraging you to not save your money, but I am encouraging you get really connected to what exactly you are saving for. If you are saving in case of an emergency rather than for freedom, excitement, purpose, joy, or love, realize what will manifest is an emergency. My challenge to you then is to change the reason for your saving.

When we stop and really think about the phrase, “Money Talks” we realize just how truthful that is. What’s important to note is that we have the power to dictate the conversation with and about money so that it is either a rich conversation full of financial freedom and joy or it is a poor conversation wrought with desperation, frustration and debt. Here, you have been given three powerful steps to Money Mastery. My question to you: Which conversation will you now be having?

Oakley – The Fusion of Science, Art & Expanding the Brand

Oakley, Inc. has long since been one of the leading sports brands dedicated to the fusion of science and art through its innovation in their products. Because of its huge success, it comes as no surprise that Oakley, Inc. would expand into the creation of other brands. These brands are the leading ones that you would find in the company's company portfolio:

Dragon – This brand actually has its roots dating back to 1993 in Southern California, with primary focus on the youth and its culture. Its influences come from the street and music culture rampant in today's youth, which are heavily accentuated into the products and eyewear the brand is very famous for. In fact, when you look at the goggles, sunglasses, and other accessories distributed by Dragon, you can certainly get in touch with the lifestyle and preferences of today's youth. At present, Dragon's products are distributed in over 45 countries worldwide, with a vast number of core retailers to its name.

Eye Safety Systems (ESS) – The designs developed by ESS are very popular, especially in the ranks of the military, police officers, and firefighters. This is because the designs boast of advanced eye protection systems of the optimum level. Such quality has made ESS the leading brand and supplier of eyewear for the US military. The great thing about ESS designs is that these were conceptualized for the most hostile environment possible, so peak performance and eye safety are guaranteed by these products.

Fox Racing, Inc. – The typical apparel for the motocross industry just would not be complete without protective goggles and eyewear. This is the forete of Fox Racing, Inc. Its innovative designs spell quality for all motocross enthusiasts all over the world. Because of the strong demand for Fox Racing sunglasses and goggles, more and more motor sports specialty retail stores have been distributing Fox eyewear worldwide. Oakley, Inc., of course, distributes these products as well.

Oliver Peoples – Oliver Peoples was actually co-founded by designer and optician Larry Leight way back 1986. In a short span of time, the brand has expanded its market to over 45 countries all over the world. In fact, 5 major retail stores are currently being operated by the brand in Tokyo, Costa Mesa, Los Angeles, and New York. New York actually has two retail stores in operation for Oliver Peoples. What's more, there are so many celebrities on the silver screen who wear Oliver PeoplesĀ® eyewear, making the brand all the more popular and prominent. Truly, with Oliver PeoplesĀ® eyewear, you enjoy the impressive mesh of both aesthetics from the olden days and finesse of the modern day.

How to Address Cell Phone Water Damage

There is nothing more frustrating that dropping your prized cell phone in a liquid, be it the kitchen sink, bath tub, coffee, tea, beer, or a swimming pool. When this happens the immediate feeling is one of despair and annoyance. But do not give up hope, all is not lost. It is possible to fix cell phone water damage and once again get it working as good as it was before the accident occurred.

If you have dropped your phone in any liquid the most important consideration will be how long it has been immersed for and how quickly you can find a solution. If your phone has been in a bath tub of water overnight the chance of it working will be slim as the circuit board is likely to have been irreparably damaged, but if it has only been in the water for a short time there is every possibility you can fix the device and save yourself having to spend out on a new handset.

As soon as you realise the problem you should remove the battery. If the battery is still connected the chance of serious damage occurring will be greater as even a small voltage can be conducted through water leading to a big problem. Don’t worry if the battery itself will not work, this would not be so expensive to replace.

Next you should take apart the phone into as many individual sections as you can safely do. If possible remove the touchpad and screen as these may hold some amount of liquid. If it is a sunny day place all the parts in direct sunlight, this would help any moisture that is present to evaporate. If the accident has occurred at night or on a rainy day your best option would be to try to dry out the circuit board and other parts with a hair dryer or by placing next to your home’s central heating boiler.

An interesting alternative and one that has helped many people recover damaged cell phones is to disassemble the handset and then place the pieces in a bowl of uncooked rice. As rice absorbs moisture quickly it will help to suck out any drops of liquid that may be there.

Do not place a cell phone in a microwave oven or other cooking equipment as you may end up causing a greater amount of harm. As long as you take quick action tp address cell phone water damage you should find that you can still make full use of your precious gadget.

Free Advertising Ideas For Online Business

In today's economy it is important for every small business to utilize as many free advertising services as they can get their hands on. These ideas should make the advertising process a little easier.

Host a Contest or Event

This will open up new avenues for free advertising. There are many websites out there dedicated to informing people about contests and events that its members might be interested in. Charge a small entry fee to cover the cost of the prizes and you will get traffic from a group of people who might not otherwise find you.

Local Free Advertising

Call up a local newspaper to do a human interest story or business story for your company. Also, submit your own articles to local papers and magazines for consideration. This method of free advertising works best for non-metropolitan areas but it never hurts to try. The worst thing a person can tell you is no!

Search Engine Optimization (SEO)

Learning SEO techniques is one of the best free advertising techniques. A few tips include using only a couple keyword terms per page, maintaining a .5% -5% keyword density rate, utilizing your meta tags and image tags, creating and submitting XML sitemaps, as well as using keywords in your URL.

Personal Touches

Adding personal touches to your business is a great way to get repeat clientele or a good way to close a sale. Send personalized emails, newsletters about not only your services but also your family or friends, insert gifts with every purchase or even jot a quick thank you note and mail it to tell your customer that they really matter to you.

Free Article Submission

Submitting SEO rich articles to article submission sites can be a great way to advertise your website or services. Do not, however, submit the same articles that are on your website. Search engines penalize duplicate content. Instead you should rewrite a few of your articles first.

Link Building

The more inbound, one-way links your website has the higher it will rank in search engines. These inbound links work best if the websites linking to you are relevant to your main focus. These links are the only ones that search giant Google recognizes. To build links you can post blogs or guest blog for someone, submit articles and press releases for syndication, email webmasters, post in forums and comment on blogs. Remember that these links are not only for the search engines, they can also drive legitimate traffic.

Free Classified Advertising

Submitting a well worded link into a free classified can return decent traffic. Describe your website in an intriguing way and curious people will click your link.

Social Networking

Websites like MySpace and Facebook can be great sites to advertise through. You can build a website just for your business and advertise directly to your "friends". My personal technique for acquiring friends involves seeking out groups with an interest in my topic and requesting friend adds from those members. If you only request 20 -40 friends a day you will not likely be marked as spam. The key to getting friends is to type up a seemingly personal message without any links;

"Hi, I noticed you are a chef. My website is running a recipe contest. You should check it out!"

I've found that notes like this in a friend request results in about 1 of every 3 people I approach adding me as a friend. Once your friend list is established you can blog, email or post announcements about your business.

Social Bookmarking

A new trend in online advertising involves social bookmarking sites like Digg and StumbleUpon. See www.AddThis.com for your own social bookmarking button. It is now (practically) mandatory for all websites to allow for social bookmarking. If you have viral content on your website it can really pay off.

Viral Videos

Diet coke and mentos, exploding bathtubs, and bikes playing Guitar hero videos made for close to nothing. If you have a video camera it is worth a shot to try to post a viral video on YouTube. Of course this is no easy task. It is impossible to tell what will become viral. Other video options involve posting information relevant to your site. You can make a simple slideshow with music and text with Microsoft MovieMaker. Place a link to your site on your videos and in your profile. Over time you should reap results.

Free Alternate Directory Submissions

There are many online directories aimed at specific interests. These directories look to help consumers find the best websites and information available. To find these directories simply search a relevant term and "directory".