The Wealthy Spirit Insider

    Retirement Planning

    Posted on August 27th, 2014 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    239-August 27

    “It isn’t necessary to be rich and famous to be happy. It’s only necessary to be rich.”—Alan Alda

    She was fifty-five years old and worked on an assembly line for a major corporation. It was time to retire, she told Dianne, the certified financial planner. Other people she knew didn’t have much money and were retiring, and she felt she should, too.

    “How much money do you have in your 401K plan?” the financial planner asked.

    “Around $20,000,” she replied.

    “And do you have additional savings?”

    “No.”

    “Investments in real estate?”

    “No.”

    “Alimony? Expectation of inheritance? Other sources of income?”

    “No.”

    The financial planner shook her head sadly, and explained that $20,000 wasn’t going to be enough money to allow her to retire.

    When Dianne told me this story, she told me how frustrated she felt when people didn’t understand, until too late, just how important it was to have a financial plan for the future. Even if you save money on a regular basis, that doesn’t mean that you’ll have enough to live in a castle on a hilltop in Europe when you decide to retire. Another client, who had a million dollars saved for retirement, thought he was going to be able to spend $20,000 a month. Spending $240,000 per year would eat up a million dollars rather quickly.

    You have to have a budget worked out for tomorrow just like you have to have a budget worked out for today. Money doesn’t magically appear just because you turned fifty-five or sixty-five. Furthermore, you can’t assume that just because you save money on a regular basis that you are saving enough to allow you to live without working. You have to do the math.

    How much money can you reasonably expect to save each year? How much money will your investments likely produce in interest income? How many years do you have in which to accumulate savings until your projected retirement date? What kind of lifestyle do you want to maintain when you are retired? Will you work part-time? Will you need less money than you do now because you won’t have work related-expenses such as the cost of commuting, networking, business attired, etc.? What amount of social security will you receive in addition to your personal savings?

    You probably need help with these questions. Make an appointment with a financial planner. Get some help figuring out your retirement needs. Get a plan together, then take the actions that are on the plan every month. Over time, you will accumulate assets, money, retirement funds.

    Or be willing to keep on working.

    Today’s Affirmation: “I accumulate wealth daily for my abundant future!”

    A great friend and fellow WRS (www.worthwhilereferralsources.com) member, Financial Planner Marc Weiss sent me this very informative article about Social Security. As my senior years approach, I have to decide when to start collecting my benefits. My CPA, Barbara Barschak, advises to start collecting money as soon as you are eligible for some…but we all want to collect as much as we can, eh? Start earlier and collect a lesser amount over a longer period of time, or wait and collect a larger amount over a possibly shorter period of time – that is the question.

    I did the math. It really all depends on how long you expect to live…gulp. If I live to 80, I collect the most if I start collecting at 66. If I live to 90, I collect the most if I start at 70. My dad lived to 93, but mom passed away at 67 – the average of their two ages is 80.

    This is just like playing poker – making value-based decisions based on incomplete information. In other words, it’s a gamble!

    WHAT YOU NEED TO KNOW ABOUT MAXIMIZING YOUR RETIREMENT INCOME By Marc H. Weiss Archer Weiss Insurance & Financial Services, Inc. http://archerweiss.com/retire-safe-and-tax-free.cfm Baby Boomers in particular want to know whether Social Security will be there for them and how much they can expect to receive. Most Baby Boomers do not know when they should apply for their Social Security benefits and how to maximize that benefit. Most importantly, many Baby Boomers are concerned that their Social Security benefit will not be enough for them to live on during their retirement.

    Before strategies can be discussed, it is crucial to understand the value of Social Security and what it can mean for you. Social Security basically offers a stream of income that you cannot outlive and it offers annual inflation adjustments, familiarly known as COLAs. For example, if your monthly Social Security income today is $2,000 and the annual COLAs are 2.8%, in 20 years your monthly Social Security benefit will be $3,474.

    Besides the monthly benefit you may be entitled to based on your own work records, Social Security also offers survivor benefits. To illustrate, if a married woman receiving a monthly benefit of $2,000 dies, her surviving husband, who only had a monthly benefit of $1,200, can now step up and begin receiving his deceased wife’s $2,000 monthly benefit rather than his own.  WILL BENEFITS BE AVAILABLE WHEN I NEED THEM? A growing concern in the forefront of most Baby Boomers’ minds is whether or not Social Security will be there for them to collect when they need it. With so many Americans approaching or beginning their retirement years, the concern is based on the fact that not enough money is being paid into the Social Security trust fund. In response to this concern, reform proposals are currently being studied to arrive at a solution to this potential disaster.

    To restore solvency to the Social Security system, there is talk about increasing the “normal” retirement age, which is currently 66, and lowering the Social Security benefit for future retirees. Reducing the COLAs is also something to consider as well as increasing the maximum earnings that are subject to Social Security taxation, currently $106,800. That said, Baby Boomers are not likely to be impacted by Social Security reforms as they would not likely be applied retroactively.

    HOW MUCH WILL I GET? The amount of Social Security each Baby Boomer is entitled to depends upon their individual earnings over their respective working careers. Your monthly benefit will also be affected by the age at which you choose to apply for your benefits. Social Security is calculated by looking at your highest 35 years of earnings. Any “missing” years count as zeros. Your earnings are then indexed for inflation and averaged, referred to as AIME. A formula is applied to your AIME to calculate your individual primary insurance amount (your PIA). The PIA is the amount that you will receive at your full retirement age, which is 66 for Baby Boomers. Your monthly benefit is then increased each year based on COLAs. Of course, if you apply for your Social Security benefits early, your monthly benefit will be lower. If you chose to apply for your Social Security benefits after your full retirement age, then you will earn delayed credits. For example, if you choose to apply at age 66 and your PIA is $2,230, your will receive 100% of that PIA benefit. If you wait to apply until your turn 70 (assuming the same $2,230 PIA) you will receive 132% of your PIA benefit without factoring in any COLAs.

    SPOUSAL BENEFITS There are rules regarding Social Security spousal benefits that some Baby Boomers may not be aware of. A spouse will receive the higher of his or her own benefit or their spousal benefit. The spousal benefit is ½ of the higher earning spouse’s benefit. To claim the spousal benefit, however, the higher earning spouse must have applied for his or her benefits and the lower earning spouse must be at least 62 years old for a reduced benefit or 66 to receive a full benefit. There are no delayed credits on spousal benefits after age 66. To illustrate, if Harry’s benefit is $2,000 and Callista’s benefit is $800, Callista’s spousal benefit is $1,000 so she can receive her spousal benefit rather than her own because it is higher than her individual benefit.

    WHEN IS THE BEST TIME FOR ME TO APPLY? There is no catchall “best” age for Baby Boomers to apply for Social Security benefits because this will vary based on individual circumstances. Some factors to consider are your individual health status, your life expectancy based on that health status, your need for income during your retirement, whether or not you intend to work during your retirement years and whether or not there are or you anticipate any survivor needs. The most obvious perk of delaying your benefit is that you will have an opportunity to collect more money. If you apply early, your benefit not only starts lower but it will stay lower for the rest of your life, it does not increase when you turn 66. Remember, COLAs will increase your benefit and the longer you expect to live, the more beneficial it is for you to delay your Social Security benefits. Also keep in mind that your decision will impact survivor benefits so it is an important consideration in planning your strategy as a delay will increase survivor benefits as well.

    WILL MY SOCIAL SECURITY BENEFIT BE ENOUGH FOR ME TO LIVE ON? The real challenge is in determining whether or not your anticipated Social Security income stream will be enough for you. If you are still able to work, you can maximize your benefits by improving your earnings record. If you are unsure what to expect, take a look at your last Social Security statement and see what your estimated benefit is, whether it is accurate, if there any years missing and whether you will be able to improve that benefit by working longer and delaying retirement. If you are married, be sure to coordinate spousal benefits so that both you and your spouse can maximize your collective benefits. There is also a “file and suspend” strategy that you and your spouse may elect to implement. At full retirement age, a higher earning spouse can apply for Social Security benefits and later ask that the claim be suspended. The lower earning spouse in the meantime applies for a spousal benefit. The higher earning spouse then re-claims the benefit at age 70. This creates an opportunity for a lower earning spouse to receive higher benefits while the higher earning spouse continues to earn delayed credits, thereby increasing the higher earning spouse’s benefit after it is “switched” back on at age 70.

    The precise application language for this strategy is to say that the higher earning spouse is “restricting” his or her application to his or her spousal benefit. Also, only one spouse may do this, both spouses are not permitted to use a spousal benefit on each other. Beware that you cannot implement a file and suspend strategy before full retirement age!

    MINIMIZE THE TAXATION OF YOUR BENEFIT Social Security benefits are not tax free. There are ways to minimize taxation of your benefits such as reducing other income with tax advantaged investments. It is important to emphasize that municipal bonds will not result in minimizing taxes on Social Security benefits, other tax advantaged investments must be used to help reduce other income. If you have an IRA, you need to take into consideration your RMDs and how they may increase your tax bracket.

    KEY POINTS TO KEEP IN MIND When you are deciding when you should begin your Social Security benefit based on your personal circumstance, there are some important things to keep in mind. When you are developing your overall retirement income plan, you should consider your life expectancy/health, projected income needs, whether or not you plan to work and survivor needs.

    If you apply for your Social Security benefit early, your benefit will not only start lower but it will stay lower for the rest of your life. Contrary to a myth circulating out there, your Social Security benefit does not go up when you reach age 66. COLAs will magnify the impact of your early or delayed retirement and the longer you expect to live, the more beneficial it is to delay your benefits. If married, you need to coordinate your spousal benefits to maximize your benefits.

    Your decision to start your Social Security benefit impacts survivor benefits as well and delaying your own benefits may give survivors more income. If you do not think your Social Security benefits will be enough to live on, consider other strategies that you may need to explore to supplement your projected benefit.

    A spousal planning analysis can help you and your spouse determine which of the various Social Security strategies may work best for you in your particular circumstance. Your overall retirement income plan should take into consideration Social Security in the context of pensions, IRAs and 401(k)s, your investment portfolio and work related issues to maximize your retirement income. Let us help you protect your nest egg and maximize your retirement income!

    The Lessons of The Richest Man in Babylon

    Posted on August 26th, 2014 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    238-August 26

    “Albert Einstein, when asked what he considered the most powerful force in the Universe, answered: ‘Compound interest!’”—Mignon McLaughlin

    George Clason wrote a wonderful little book entitled The Richest Man in Babylon. It is the story of a group of trades people in ancient times in the city of Babylon. The butcher, the blacksmith, the shopkeeper, and others are talking together about money. They marvel how one of them became the richest man in town, when he started out as just the potter down the street from them. How did he do it? they wonder. They are all still struggling day to day to get by. They decide that they will all go together to ask him to share with them the secret of becoming wealthy.

    The richest man smiles when he hears their request. “A part of all you earn is yours to keep,” he says. That is the magic formula he imparts to his old friends. Out of every portion you are paid, reserve 10 percent for yourself. This money you never spend, but invest and get the money working for you. The money will multiply itself through wise investing, and work for you even when you are not working. His formula for budgeting was also simple: Save 10 percent for investments, use 20 percent to pay off debts, and the other 70 percent is for living expenses. Once all debts are paid in full, you have 90 percent for living expenses.

    These simple lessons still work well today. Save 10 percent of your income in retirement accounts—see a financial planner or investment advisor to set up a plan of action for you now. Make a list of all your debts and devote yourself to a “PDQ” program—20 percent of your income until all debts are paid in full. The rest is yours to play with, to create your home and lifestyle.

    Who knows? You could be the next Millionaire Next Door or Millionairess Across the Street.

    Today’s Affirmation: “I work smart, I work easy, and I work rich.”

    There’s so much to know these days – in order to market your business on the internet, you have to have more than a website and a newsletter. You have to know Social Media – how to use Facebook, Twitter, LinkedIn, Google+, and every other group ad infinitum. When you master teleclasses, then they want you to learn and invest in webinars, then video marketing, then video conferencing. It all takes some much time, money, and brain space!

    So I posted this on Facebook:

    “Just had a friend explain to me how to create a Facebook URL, only to discover that I already did that. There’s so much to know and remember these days that I forget to remember what I know. Sigh. Anyone else have that problem??”

    I must have hit a nerve, because dozens of people chimed in to share. Here’s a sampling:

    “Me, I’m always thinking of the hereafter. I’ll be in the office and I’ll go to the kitchen and think…….what am I here after?”

    “OMG – I can relate…you have no idea! ;) And to take the time to re-read what I now know so I can better remember it…sigh. Good thing life is full of wonderful surprises so we can keep cramming more stuff into our “remember this” buffet.”

    “I think I have that problem, but I can’t remember…”

    “You have no idea how good your post made me feel. I go crazy everyday with this social media networking.”

    Sometimes it just feels so good to have company in your whining and know you’re not alone!

    Making Money While You Sleep

    Posted on August 25th, 2014 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    237-August 25

    “Each of us has the choice—we must make money work for us, or we must work for money.”—Conrad Leslie

    A doctor and his wife who had heard me speak flew me to Oklahoma to speak to their staff on customer service. It was a nice group of about fifteen people, and we had a great meeting over dinner as I coached them on Office Etiquette.

    After dinner, Dr. John, his wife, Mary, and I sat quietly discussing money and business. He told me that one night, he was lying awake in bed and thought, “I make a lot of money working as a cosmetic surgeon, but if I don’t show up for work, I don’t make anything. My money is totally dependent on my working hours.” He turned to me and said, “But I want to make money while I’m sleeping! I want to make money whether I show up for work or not.”

    So he bought an oil well. And that oil well is pumping oil twenty-four hours a day, making him money, whether or not he works. This is called “passive income.”

    How can you make money while you’re sleeping? Can you invent a product that stores can sell and people can buy whether or not you’re there? Can you receive a commission on sales that other people make? Years ago, I appeared in a Dove soap television commercial. Although I only worked one day filming the commercial, it was shown on television across the country for two years—and I made money every time it aired. A woman I knew made up a creative company name, registered it as a trademark, and another company paid her an annual licensing fee to use it. When you invest in a growing company that prospers and pays you dividends—that’s making money while you sleep.

    If you set up enough passive income, your only job will be managing it. And you can phone that in from Tahiti!

    Today’s Affirmation: “Every day when I wake up in the morning, I’m richer than I was when I went to sleep!”

    With all the rumblings of the economy today, it’s critically important that all Dolphins who believe in the power of positive thinking stay focused on prosperity and happiness now more than ever.

    One of the daily messages that helps remind me of all the good in the world is from Mike Dooley at www.tut.com. Here’s one of the recent messages that put a smile on my face:

    Quickie Happiness Workshop for Increasing Profits at Times of Seeming Peril:

    Think as much, if not more, about growing your income as you do of trimming your expenses.

    And for extra credit, Chellie, focus on customers more than vendors; smiles more than frowns; possibilities more than risks; options more than commitments; vacations more than overtime; detours more than setbacks; opportunities more than obstacles; and Goldilocks more than the bears.

    End of Workshop -
    The Universe

    Fantasies

    Posted on August 23rd, 2014 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    235-August 23

    “Turning it over in your mind won’t plow the field.”—Irish Proverb

    In response to fans’ complaints about plot developments on the television show La Femme Nikita, the producer said, “They should get a life.” The fans swarmed like angry bees on the Internet web sites devoted to the series, in response to his statement. I chuckled over the following message board post:

    Fan #1: “This girl will get a life when she’s darn good and ready to!”

    Fan #2: “Life? We don’t need no stinkin’ life!”

    Fan #3: “I have a life. What I want is a good fantasy!”

    Fantasies are fun. We all indulge in them. Sometimes we turn our fantasies into goals and our goals into reality through planning and action. But all achievements begin through the dream—the delicious vision of a possible reality; something we imagine will be fun, exciting, thrilling, surprising, swooning, ecstatic.

    Theater, movies, television, and books give us vicarious thrills of exciting adventures we may never actualize in our real lives. Perhaps we will never really be a spy, never hold a gun (let alone shoot one), never be super-model gorgeous, never wear a fabled diamond necklace, never fly a plane, never cut our way through the Amazon jungle. But we can hitch a ride on someone else’s dream: Our bodies and minds can ride an emotional roller coaster for an hour or two, and experience much the same feelings we would if we were actually having the experience. I celebrate living in this rich world where these things are possible. I thank the dream merchants who invite me to enter their worlds and forget reality for a time. Through them I live many lifetimes beyond my own.

    But fantasies of a fire will not keep us warm and fantasies of rich food will not feed us. Enjoying other people’s dreams will not give us what we seek in real life. From the dream-time we must pluck out those things that we feel most strongly about and actualize them. When we work for someone else we are helping them to actualize their dream. It takes less attention, focus, and energy to assist someone else than to carve your own dream on the mountain.

    But then don’t complain that it’s not your face on Mount Rushmore.

    Today’s Affirmation: “My dreams become goals and my goals become reality!”

    When fantasties become realities and dreams come true, it is such an exciting, emotional experience that it’s fun to even watch it happen to someone else.

    One year I was watching “The Glee Project” on Oxygen, as the writers and producers of the hit TV show “Glee”, led by Ryan Murphy, search for young new musical stars for parts on their continuing series about high school misfits. The winner was to be written into the show in a 7-episode guest-starring role. It has been a wonderful series, filled with drama, great singing, emotional highs and lows, but most of all, great heart and lots of soul.

    I fell in love with the show almost immediately when I happened across an early episode when I was channel surfing. The casting director, Robert Ulrich, and his team were holding auditions and looking at videos of aspiring singer/actors from across the country. Robert cared so much about these young performers that he watched some of their videos dozens of times, and he was always so kind and loving towards each of them. I loved watching him because he loved what he was doing so much.

    In typical reality show contest format, one contestant was voted off each week by Ryan Murphy and his team (including musical director Nikki Anders, and choreographer Zack Woodlee) after the bottom three gave a last chance performance. All were given compliments on what they did that was good, and tips for improvement. It felt almost like you were watching acting classes at Juilliard where the good of the students was the highest priority; that is was a learning environment and the teachers were dedicated to helping exceptional students grow and improve. There was virtually nothing catty, or rude, or humiliating, or demeaning about anything in this show. What a relief! What a pleasure!

    And in keeping with the heart and soul of the show thus established, the finale was spectacular. I loved all 12 of the performers who made the cut from 40,000 and were part of the show each week. The final four who competed on the finale were all adorable and extremely talented: beautiful leading ingenue Lindsay Pearce with the gorgeous voice, huggable Alex singing big songs in cross-gender styles, Irish cutie Damien McGinty who might not have had the best voice but certainly the most charm, and Samuel Larsen, handsome in dreadlocks, whose smoldering passion illuminated every song.

    Who would win?

    They all sang their hearts out to standing ovations from the cast of “Glee” who had made guest appearances as mentors throughout the series and the previously eliminated eight participants who were brought back for the finale. Lindsay was thanked and told she did not win, as was Alex.

    Damien and Samuel stood alone in the spotlight. Both were praised for their talent, dedication, and spirit. Then Ryan Murphy said to Samuel, “You are the winner of ‘The Glee Project’” and the cheers and tears erupted in the room as this young man’s dream came true.

    After a pause, Ryan turned to Damien saying, “And Damien, you, too, are the winner of ‘The Glee Project’!” and the room went crazy with everyone jumping up and down and screaming! When things calmed a little bit, he said, “And Lindsay and Alex, you two are so special you’re going to get something too – you will both receive a 2-episode arc in “Glee” written especially for you” and pandemonium erupted again.

    Ah, winning all around!! Four winners, not just one – fabulous!! I loved it. A fitting, triumphal end to a wonderful show. But then, it wasn’t over, because I couldn’t wait to see these kids in their parts on the next season of “Glee”…What a great idea for a great program. Loved it!

    Creating Your Life

    Posted on August 22nd, 2014 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    234-August 22

    “Man cannot discover new oceans unless he has the courage to lose sight of the shore.”—Andre Gide

    No one who has ever written a story, painted a picture or improvised music will tell you that it came out exactly as envisioned before the moment of creation. Our lives are like paintings that take on a different energy with a single unplanned brush stroke; colors merge and blend, the eyes see form beneath the paint, the arm arcs with power, and a surprising new line is drawn. Novelists speak of their characters as having a life of their own; they whisper to them in dreams in the night, and the plot flows through fingers in tune with a metaphysical channel of energy. Music flows from rhythm and beat; whirling notes cascading from mouths, fingers, horns, and strings. It is the gift of being in what psychologist Mihaly Csikszentmihalyi terms “flow,” in touch with being; what athletes, artists, salespeople, teachers, all who have experienced being completely focused in a moment of creation know as being in “The Zone.”
    Buddha by Gayle Etcheverry

    Our lives are like that. We tune and strengthen our instrument, we gather our paints and canvases, we read and write and perfect our gift of language, and set out upon the road of the world. We cannot see what is around the bend, what lies beyond the next hill, what notes will carry gaily on the air, what musicians will travel in our band. But we have goals, wishes, wants, dreams, plans. We create in our minds what we’d like to see up ahead, and set out in search of the prize. And we always get a prize—just not always the one we were expecting.

    That you set a goal and get something different does not negate the goal setting process. Indeed, without a goal to set your life in motion, you wander aimlessly, a pawn to be used for other people’s goals. Without a goal, there is no action; without action, there are no accomplishments.

    Prizes don’t drop in on you unannounced, while you sip your morning coffee in your bathrobe.

    Today’s Affirmation: “I have what it takes to go out and get what I want!”

    You just never know when a big ship is going to come in. You market and advertise, blog, tweet, post on Facebook, your web site, emails, newsletters, etc. and then one day, AOL News calls and says they want to do an article with a positive slant on the financial situation. They came to the right person, didn’t they?


    Stay Positive Even While Market Swings, Brentwood Financial Adviser Urges
    by Nima Maghame

    As the stock market continues its roller coaster ride, people are on edge when it comes to their wallet.

    Brentwood native Chellie Campbell knows all about the frustration and fear that comes with a bear market recession. She has been working out of her home office in West LA since the early ;90s consulting with locals on what she brands as financial stress reduction®.

    “All we hear in the news is that we should be afraid and most people are driven by fear, which simply makes everything worse…(The media) should reinforce that America is fine and that we go through cycles of booms and busts. During times of recession we shouldn’t be trying to sell everything. If anything, we should be spending more,” Campbell said.

    Campbell urges her clients to take a positive perspective on daily finances. She suggests having three budgets – low, middle, and high – and picking one at the beginning of every month. This will let you save when they need to, she says, and spend when you want.

    “When people hear the word budget, they often hear the word ‘can’t',” she said.

    Campbell argues that finances change and by creating three different budgets instead of only one, spending freedom can be worked in when cash flow increases…

    For the rest of the article, please click on the link below

    http://brentwood.patch.com/articles/brentwood-resident-advises-optimism-in-light-of-volatile-stock-market

    Treasure Maps

    Posted on August 21st, 2014 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    233-August 21

    “It all comes from the mind. I’ve seen the most incredible success stories…because a person had a dream and it was so powerful no one could touch it. He’d feel it, believe it, think about it all day and night. That would inspire him to do things necessary to get the results he wanted.”—Arnold Schwartzenegger

    Visualizing what you want goes hand in hand with positive affirmations. When you declare what you want and have a clear picture of what it is you want, sooner or later what you want shows up. In order to make more money, you have to have a reason to make more money. What do you want more money for? If you aren’t clear about what you want, it will be much more difficult to get it.

    Treasure mapping is a great tool for becoming clear about your goals. It is also a fun project. You start by collecting lots of magazines that are filled with beautiful color photographs of things you want, places you want to go, representations of the kinds of people you’d like to meet, relationships you’d like to have, spiritual values, etc. Buy some poster board, scissors and glue. Put on some great music and start cutting and pasting—you’re making a collage of all the great things you’d like to have in your life.

    It is a great activity to do with friends, or your family. You can admire each other’s choices and desires and compliment each other’s creativity and artistic expression. With family members, you can create separate treasure maps or one family effort that will have each person’s goals and dreams contained in it. Have fun, smile and laugh a lot while you’re making it!

    When it’s finished, put your treasure map on the wall. Look at it every day, remembering the fun you had making it, and visualizing having all the things represented in your life. Do positive affirmations about having the things you see. Send out ships to actualize these things coming to you. Start a savings account for major goal purchases. You will be amazed at how quickly many of these things will show up.

    One summer, I created a Financial Stress Reduction Graduate Cruise Weekend for people who had taken my workshop. I brought all the materials for treasure mapping and we had a great afternoon on board the ship creating pictures of our dream goals. One of the women put pictures of babies all over her map, because she and her husband wanted to start a family.

    Six weeks later, she told me she was pregnant. And she had twins!

    Today’s Affirmation: “I visualize and create exactly what I want.”

    I read Kucki Low’s book “This is Kucki Your Pilot Speaking: The Inspirational Life Story of South Africa’s First Female Commercial Airline Pilot.” It is a wonderful tale of a bright, strong woman, born in Austria, raised in South West Africa, who fell in love with flying and determined to become a pilot.

    She made sacrifices to follow her dream and used every available extra dollar for flying lessons, eventually becoming a flight instructor at a local airport. One of the first students who phoned to book a lesson was told that he was so lucky the club had just hired the only woman flight instructor in South Africa, and that there was a booking available that afternoon. His comment was, “I’ll try anything once”. One thing led to another and we were married a couple of years later.

    Kucki has followed her bliss throughout her life; trading in her passion for flying for a new found love of husband and family, immigrating to Vancouver, Canada, starting businesses, having adventures, and having fun.

    Now she shares with audiences worldwide the inspirational story of how she found her path to a joyous life by following her passions. To inquire about speaking engagements, please email her at kuckilow@shaw.ca.

    Affirmations Are Forever

    Posted on August 20th, 2014 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    232-August 20

    “Endurance is the most difficult of disciplines, but it is to the one who endures that the final victory comes.”—Buddha

    People sometimes ask me when they can stop practicing their affirmations. I answer with another question: “When can you stop brushing your teeth?”

    Affirmations are forever. It’s a daily maintenance program. I thought negative thoughts for many more years than I’ve been practicing positive ones. I certainly don’t want to backslide, do you? Those old habits are just lying in wait. One of my clients did her affirmations regularly, without fail, and then got more business than she could handle. Frightened, she purposely turned off the flow. She said, “Okay, that’s enough!” and stopped doing them. Business completely dried up. As a matter of fact, all three big jobs she had gotten were canceled. She immediately recognized what she had done and started doing her affirmations again daily. She got another big job that week, and two of the lost projects were restored.

    Every time I run into one of my clients that I haven’t seen for awhile, I always ask how things are going. If they answer, “Great! Business is booming and I’m really happy!” I ask if they’re still doing their affirmations. Invariably, they respond, “Oh, yes! I have them in my wallet, posted on my bathroom mirror, and I do them in the car, too.” Conversely, when things aren’t going well for someone, they sheepishly reply that they somehow just forgot about doing them.

    One attorney, after admitting that he wasn’t practicing his affirmations, vowed to start again that day. A week later he called me. Very excited, he told me that he had collected $6,000 that week and $4,000 of it was unexpected income. “This really works!” he exclaimed. “Tell everybody!”

    Consider yourself told. And knowing about it isn’t the same as doing it.

    Today’s Affirmation: “I am happily practicing my positive affirmations every day!”

    My dear friend Sylvia Silk, Doctor of Divinity, sent me this article from her blog, and I had to share it with you. Humanity is evolving!

    Sylvia Silk

    On the Leading Edge of Conscious Evolution
    Those of us lucky enough to be born in the 20th century are familiar with change. We have witnessed progress induced by the industrial era (the printing press, electricity, automobiles, airplanes, indoor plumbing) and the information age (radios, telephones, computers, internet, cell phones). Prior to a few hundred years ago, life didn’t change during one person’s lifetime. Therefore, the assumption was that human life was irredeemable, unchangeable, un-evolvable. We used to be born into cultures that used the same tools, same modes of transportation and did the same work from birth to death. Generation after generation nothing changed.

    Life was painful. Women and siblings died in childbirth. Husbands and sons were killed in war. Whole villages were raided and plundered. No one was safe. Fear, suffering and dying was the norm. Life was hard; no conveniences like running water, electricity, grocery stores. Life was about competition; competing for food, for a mate, for status in the clan. Life was about survival; it was every man for himself. Life was short; the best we could hope for was 40 or 50 years if not ended sooner by disease or death.

    A few hundred years ago, we started to have history to look back upon and study. We could see where we had come from and how things had changed. We began to recognize humanity is evolving through progress.

    At first we only understood things progressing through history. Then philosophers and spiritual teachers started to see divinity unfolding through history. Biology discovered species are not just created, they mutate and change over time. More recently we have discovered the cosmos is also emerging; there was a moment when this was all a singularity and then it burst forth and has been unfolding through this creative process ever since. Everything is evolving: man, earth, life, even consciousness itself.

    If we look at humanity, not much of it has evolved beyond the lower states of consciousness: guilt, anger, jealousy, hate, fear, revenge, pride. But a persistent, incremental shift is taking place. Ken Wilber reports that 5% of the world population has evolved into the higher states of consciousness, living selflessly with compassion, humility, integrity, kindness and forgiveness. As that percent grows and reaches critical mass, all of humanity may quantum leap into the higher levels of consciousness. Teihard de Chardin, the French paleontologist, saw a new evolutionary potential when he wrote, “The way out for the world, the gates of the future, the entry into the superhuman, will not open ahead to the privileged few or to a single people, elect among all peoples. They will yield only to the thrust of all together (even if it were from the influence and guidance of an elite) in the direction where all can rejoin and complete one another in a spiritual renewal of the Earth.” Then we would have heaven on earth!

    So we are beginning to understand that we are part of evolution and it’s moving in a forward direction. In our lifetime, we will see many changes in our world and in ourselves for we are becoming aware that there is a spiritual evolutionary process going on. When you look at the world through an evolutionary lens it no longer seems to be irredeemable or unchangeable.
    We are beginning to discern and understand the patterns of evolution, spirals of movement toward greater complexity, greater circles of cooperation and unity.

    For eons, the notion that you could create heaven on earth or change human nature seemed preposterous because nothing ever really changed. But now when we look at how change unfolds, how rapidly culture evolves, at the movement of spiritual evolution in ourselves and others, we realize that consciousness is transforming and transmuting into an expression of those higher spiritual potentials revealed to us by the yogis, mystics and other self-realized beings.

    This awakening to the realization that we are evolving is new. As one evolutionary leader puts it, “…..we are discovering the evolutionary impulse.” And our union with God no longer just means union with a transcendent God that lives in the sky; it means union with the manifest God, the immanent God, the Divine Creative Principle that’s unfolding before our very eyes through the receptive human. We can become the expression of that. We can be a vehicle for that in the world. We can choose to consciously evolve by choice instead of by default.

    We are discovering that we can choose to participate in our own individual evolution. All the wisdom traditions are tremendous treasure troves of wisdom and spirit, but our realization that humans are evolving is changing things. A new world is dawning. All aboard!

    Until you return, fill your days with GIGGLES, JOY, and APPRECIATION!

    Sites to explore:
    http://www.evolutionaryleaders.net

    http://www.integralenlightenment.com

    http://www.andrewcohen.org/teachings/history-evolutionary-spirituality2.asp

    Sylvia Silk, D.D. Director of the Institute For Balanced Living, Los Angeles,CA, USA
    DoctorofDivinity, SpiritualCoach, ReconnectiveHealingPractitioner, Writer
    Permalink: sylviasilk.com/2011/08/19/on-the-leading-edge-of-conscious-evolution.aspx

    It’s Just a Co-Dependent Love Song

    Posted on August 19th, 2014 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    231-August 19

    “One comes to believe whatever one repeats to oneself sufficiently often, whether the statement be true or false.”—Robert Collier

    Years ago, I heard singer-songwriter named Scott Kalechstein sing a clever, paraphrased version of It’s Just an Old Fashioned Love Song called It’s Just a Co-Dependent Love Song. That made me laugh, but it also made me think. I loved all those old torchy, hurt-so-bad love songs and sang them all the time. Whenever I felt blue, I just put on some records or strummed my guitar and wailed. I sang Crazy, Single Girl, Don’t Think Twice, Too Far Gone, Am I Blue, Mean to Me…get the picture?

    It is emotionally satisfying to sing the blues now and again. But every day? It didn’t cross my mind that, if sung too often, these songs could act as negative affirmations. I just wondered why my love life was a mess.…


    Think about the songs you’re walking around singing. What’s the message you’re giving yourself? Are they positive affirmations, joyful songs? Or heart-breaking, emotional downers? (Not to mention the violent rapper songs. Better to channel all that anger and rebellion into music than into mayhem in the streets, but I wouldn’t be singing along if I were you.)

    Songs are speaking your word, and your word is powerful. Now I make sure to counteract the blues by also singing songs like I’m All Right, Happy Talk, I Feel Lucky, It’s My Life and Thank You For Loving Me.

    Why not write your own positive song or change the lyrics to a favorite tune? If you change lyrics to a tune, it must be an already upbeat song, or your subconscious memory of the negative words will impede your progress. A friend of mine had rewritten the lyrics to Lemon Tree to be Money Tree, but when I sang it, I always remembered the word “impossible” in the song. I didn’t want the word “impossible” connected with my money, so I had to stop singing that one.

    Here’s a song most people know that we can rewrite for our purposes: Change the word “birthday” to “money” in the song Happy Birthday. I think singing “Happy money to me” is a great affirmation! Sing it today!

    Today’s Affirmation: “Happy money to me! Happy money to me!”

    When you stop to think about it, you can start becoming aware of all the negative things you tell yourself on a regular basis, like singing sad songs. It’s fine to roll in the mud sometimes – there is a resonance in shared sorrows that brings people together in compassionate understanding. But too much time there will just make you depressed.

    The daily news of stock market gyrations–is it another bubble or not, whether or not there’s another recession coming, warnings about the continuing lack of affordable housing, consumer debt, lack of retirement savings and high unemployment, makes us want to start singing the old Depression-era song “Brother Can You Spare a Dime”. And all the Tuna out there are joining in that chorus.

    But if you’re here reading this, you aren’t a Tuna, you’re a Dolphin. You don’t follow the crowd down the rabbit hole of gloom and doom, but swim through the waves happily and in communication with your fellow Dolphins, finding your fish, and jumping for joy.

    Now is the time you can have a positive effect on the people around you and the economy. Sing your happy song for all you’re worth. Look at the blessings in your life and celebrate them. Don’t focus on your fears of what you don’t want, but relish creating what you DO want, for that’s what you will manifest in your future.

    Bobbi, Shelley, and me at Villa d’Este outside Rome

    Sure, you can join the crowd of Tuna, wailing about the paper loss on your balance sheet when your home’s value goes down a bit, watch the negative news reports or the arguing politicians, feel the fear of financial insecurity and visualize your future as a bag lady or homeless guy on the street.

    Or instead, you can discipline yourself to focus on your goals, visualizing being happy and rich, having plenty of money, overflowing bank accounts, a jam-packed client roster, plenty of time off for family, friends, and vacations. See yourself in fancy dress in rich surroundings, on an emerald-green golf course, on a Mediterranean cruise, strolling the streets of Paris, laughing with loved ones, fine dining at five-star restaurants, building your dream house in the mountains, lying on a sparkling white beach near crystal clear oceans.

    To paraphrase the Dylan Thomas poem – minds, hold you poison or grapes?

    Singing for My Supper

    Posted on August 18th, 2014 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    230-August 18

    “Criticism didn’t really stop us and it shouldn’t ever stop anyone, because critics are only the people who can’t get a record deal themselves.”—Sir Paul McCartney

    When you step outside the proverbial box, you have to be prepared for criticism.

    As I went from meeting to meeting, networking my way to successful workshop enrollments, I perfected my thirty-second commercial introduction. I always started with a song: “You’re gonna be rich tomorrow…if you take my class today,” or “We’re in the money…my clients are singing this song.” Generally, people enjoyed the upbeat flavor of my off-beat presentations.

    But then I found myself in a different networking group. Everyone there gave a standard introduction in the exact same format: “Hi, I’m Larry. I am an attorney specializing in real estate law, I’ve been in business for twenty-five years”; “Hi, I’m Susan. I am a CPA specializing in taxes. I’ve been in business for fifteen years.”

    As my turn approached, I hesitated. Maybe I shouldn’t do my singing thing in this room. Then I thought, “Nah,” and went ahead, “Money makes the world go around, that clinking clanking sound…if you want more clinking and clanking in your life, call me.” There were a few shocked faces, but mostly smiles as I looked around me.

    The next time I went to this meeting, a woman came over to me. “There were complaints about you at the last board meeting!” she exclaimed. “It was felt that singing was inappropriate behavior at a business meeting.”

    “Well, I have to tell you,” I replied, “that may be, but ten people came over to me after the meeting and asked for my card and six of them signed up for my workshop, so I think I’m going to keep singing!”

    (Continued on page 230 of The Wealthy Spirit)

    Today’s Affirmation: “There are people everywhere who enjoy the unique gifts I have to share.”

    I’ve always considered myself a little bit “left of center”, but for most of my life I just tried hard to fit in, to do what was expected, do it as well as I could, dress to match the styles others thought best, and make my way in the world following the rules. I was brought up with the phrase “What will the neighbors think?” whenever I strayed from the beaten path.

    It took me years to figure out that if I blended in too perfectly, I became invisible. I felt like wallpaper where nothing stands out. I started to become aware that if everybody likes you, you don’t have any personality. If you go along with the crowd too much of the time, without the crowd you don’t know who you are.

    As Mae West said, “I used to be Snow White, but I drifted.”

    So let yourself drift, today! Figure out what you like about yourself that’s a little unusual, unique, funny, raunchy, strong, sexy, smart, or weird. Let your edges show. Stop blending in and set your own style.

    What will the neighbors think? Some won’t like it at all, they’ll be threatened, or try to squelch you back down into the box. But some will love it, and want to get closer and find out more about you. Deep friendships come with that, and freedom.

    Years ago, I was standing in line at a wedding reception, and next to me in the line was an old friend from Sunday school. We were reminiscing about the old crowd, and Linda kept mentioning different people from the “in-crowd” (that I wasn’t in) and going on about what they were doing now. The food line was long, I was hungry, and when she finally mentioned yet another girl, I decided a little truth might spice up this conversation.

    “I have to tell you, I never liked Jenny x,” I said, “And I don’t care what she’s doing now.”

    Linda’s mouth dropped open, she looked at me wide-eyed in shock and stopped dead in her tracks. Then she smiled at me and said with a twinkle, “You know, I never liked her either!”

    We both broke into peals of laughter, hugged each other, and then started a real conversation about what we really liked and didn’t like. It was fabulous! Instead of party chit-chat that we would have forgotten by the time we got in our cars, we discovered a true friendship.

    Sow some wild seeds today – you never know what might grow from it!

    Sometimes You Have to Ask God for a Sign

    Posted on August 15th, 2014 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    227-August 15

    “If only God would give me a clear sign! Like making a large deposit in my name at a Swiss bank.”—Woody Allen

    There have been times when I have done everything in hopes of achieving my goals: building ships, sending out ships, dredging ships up from the bottom of the sea, rebuilding the ships, hiring new crews. I have tried to get the job done, but the job remains undone. I try to decipher whether I should keep trying or know “when to fold ‘em.” Is this goal not for me after all? Am I supposed to give this one up? How am I to know?

    For months, my agent, Lisa Hagan, and I searched for a publisher for this book. Many rejections and several almost-deals later, I still didn’t have one. Meanwhile, a friend from my writers group had the most glorious success. She prepared her proposal, met with nine publishers, her book went up for auction, and she got a six-figure advance! I was truly happy for her and celebrated her success. But I couldn’t help asking God,
    “Hey, what about me?”

    I was willing to do whatever it took get a publisher. Lisa told me that most of the publishers disliked the original page-a-day structure. So I revised the proposal and rewrote the book as an eight chapter narrative. I changed the packaging and paid to have a matching cover design for my audio and video tapes. The new packages went out to publishers, and once again, Lisa and I waited.

    Meanwhile, I had a conversation with God. I asked God for a Sign. I told Him I have done everything I knew how to do, and now I needed Him to clearly show me if this goal, this book, was meant for me or not. I let Him know that I am here to do His work, and that I was willing to get my poor human ego out of the way and give this up, if that was what He wanted me to do. But I needed a clear Sign whether not to keep trying.

    Exactly two days later, Deb Werksman at Sourcebooks called to say she was interested in my book. We discussed the narrative version and then she asked, “What’s this page-a-day book that your agent told me about? She says everyone in her office uses it.” After I described it to her, she said, “I want to see that book.” It wasn’t long before I got another call from her: “I just got out of an acquisitions meeting and we would love to publish your book!”

    And you know what? They bought the original version!

    God’s on duty 24/7. He’s just waiting for you to ask.

    Today’s Affirmation: “Thank you, God, for giving me perfect time, money, love, luck, and health at all times now.” (Contributed by Carol Allen)

    Inspired to Succeed: The Most Powerful Effectiveness Tool

    This is the true (if oversimplified) story of two divisions in a manufacturing company.
    There’s been powerful movement in the organization toward using statistical tools to increase accuracy and reliability.

    Doubters dominate one division. They believe data can be manipulated and while they are following the requirements they continue to put their trust in past experience and knowledge, the way they’ve been doing it for over 30 years.

    True believers lead the other division. They are committed to the process. They are engaged and energized. They talk about it, collaborate, problem solve. They are interested in the outcomes. They take pride in the results. They are open to learning, open to being wrong, open to making mistakes and corrections.


    Both divisions are using the tools. However, the doubters use them superficially, simply going through the motions to meet the requirements. The true believers, on the other hand, are excited and in a constant process of discovery and amazement.

    The doubting group spends much of its time trying to get a handle on the reasons behind all their field failures.

    The true believers have no field failures.

    Truly. None.

    5 observations from this story that I want to share with you:
    1. Belief is the most powerful of effectiveness tools (and disbelief is the most powerful of underminers). People who believe in what they’re doing will do it more deeply, more thoroughly, more effectively.
    2. There is a huge difference between doing something just to check the box and having authentic energy for it.
    3. There is no absolute and forever right way. Grow along with the body of knowledge or fall behind.
    4. Protecting your position is no protection at all.
    5. Open minds have more fun.

    We are all in change/growth situations at all times, whether we know it or not. We all have places where we don’t see that we have become stuck or attached to doing things a certain way that no longer serves us. Some business and leadership coaching — check in with yourself.
    • Where are you going through the motions just to check off the boxes?
    • Where are you protecting obsolete ways of being?
    • Where might becoming a true believer make a real difference in meeting your objectives?
    • Where could you open up your mind and more possibilities?
    Perhaps you see other valuable lessons here? If so, I’d love to hear from you.

    Sharon Rich is the founder and Chief Growth Engineer at Leadership Incorporated. She works with smart ambitious leaders in smart ambitious organizations of $5-50M who are committed to growing the business. Her clients have a strong sense of purpose, yet aren’t making progress on critical high value initiatives. Sharon gets them clear, unstuck and achieving their objectives with confidence.
    More: http://www.leadershipincorporated.com