The Wealthy Spirit Insider

    No Moxie, No Money

    Posted on April 24th, 2014 in The Wealthy Spirit by chellie

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

    114-April 24

    “There’s no substitute for guts.”—Paul “Bear” Bryant

     

    No guts, no glory.

    No courage, no cash.

    No moxie, no money.

    You won’t make any money by waiting around for people to give you some. That’s not how it works. You have to go get it. What would your life be like if only you had the guts to go get what you really wanted?

    Rewrite the story of your life from the point of view of someone with a lot of moxie. What would that person have done differently? What risks would they have taken that you didn’t? Why didn’t you take them? Because of who wouldn’t approve or like you?

    Here’s a newsflash: They probably don’t approve or like you anyway. So get up, get out, and go do what you want!

    Today’s Affirmation: “I have all the moxie I need to make all the money I want.”

     

    I spent a whole day once judging a writing contest on www.Bookrix.com. I was very flattered to have been asked to be a guest judge, and review the top ten submissions in their Dear Diary writing contest. “It will take about 2-3 hours of your time,” said my friend Amber Sims-Hinterplattner.

    No, no. No way can I skim through the submissions. The teacher in me won’t allow that. I have to give each one my thoughtful attention and write some critiques that can be useful and meaningful to the authors.  So it was 5 hours worth and I only read 7 of them…

    Luckily for me, the submissions were very creative and fun to read! I had a ball, and I want to alert you to this wonderful writing community. They have over 16,000 books you can read online for free, they have a social community that connects writers and readers, writing contests, etc. Check them out!

    There are special interest communities all over the web. You can create your own groups, too. Pick an interest, create a forum, spread the word, and gather fans. Have fun!

    Life is good.

    The Power of “No”

    Posted on April 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”

    113-April 23

    “You can say no and smile only when you have a bigger yes burning inside of you.”—Unknown

     

    I once worked for two titans of the motion picture industry, Edgar Scherick and Scott Rudin. Edgar was the older, more experienced mogul and Scott was the up-and-coming young counterpart. At the time, I was pursuing a career behind the camera in the motion picture industry and was Edgar’s Executive Assistant.

    One day, they fired the office gofer (you know, “go fer” this and “go fer” that). They weren’t going to hire a new one, and the rest of us in the office were anxious about who was going to get the schlepping assignments from then on.

    I decided that it wasn’t going to be me. I was reading a great book at the time, When I Say “No” I Feel Guilty by Manuel Smith. Smith gave wonderful tools for being more assertive and less of a people-pleaser. I knew that if I started doing some of the gofer’s tasks, I would be doomed to that position and respect for me would disappear along with any dreams of advancement. I realized that if I was asked to do this work and refused, I might get fired. But if the price of working there was that I had to be in the lowest dead-end job, then I shouldn’t be there anyway.

    Several days later, Scott and Edgar had a meeting at MGM. Scott always drove the two of them to these meetings, and the gofer would pick up Edgar after the meeting and take him to his next appointment. Edgar knew someone new had to be given this assignment, but didn’t choose anyone. He just walked out of the office saying, “Somebody’s going to have to pick me up at five o’clock at MGM.” The entire staff froze.

    Scott knew then that he had to pick the new gofer. He turned around, saw me and said, “Chellie, pick Edgar up at five o’clock at MGM.”

    My heart pounding, my throat dry, I looked him straight in the eye and said, “No.” Nothing else, just “no.” (The book said not to give your reasons for saying no, or the conversation would degenerate into an argument over the validity of your reasons.)

    He was totally taken aback by this and laughed. He said, “You have to! Pick Edgar up at 5:00!”

    I said, “No” again. (Smith calls this technique “broken record”—just repeat your position.)

    He stared at me for a long moment. I could see the wheels turning in his mind. I held my breath. Was I going to be fired?

    Then Scott turned to the young man seated near him and said, “Fine. Then you do it.” He said, “Okay.” And became the office gofer from then on.

    We have more power of “no” than we know. Two-year-olds know this instinctively, but some adults have forgotten. Find a two-year-old and remember. Then practice.

    Today’s Affirmation: “I make choices that make me happy.”

     

    Edgar Scherick is no longer with us, but Scott Rudin, who was rather the “boy wonder” in his early 20s when I knew him, has come a very long way up to the top of the Hollywood food chain. Producer of many top-of-the-line films including The HoursThe Addams FamilyThe Queen, and The Social Network, he has won many honors, including the Academy Award for Best Picture for No Country for Old Men.

    He’s also been awarded the dubious title of one of “New York’s Worst Bosses” on gawker.com in 2007 and was profiled in a Wall Street Journal article entitled “Boss-Zilla”. Shudder. One account mentions he once went through 250 assistants in one year (although he claimed he could only count 119) – he was reputed to be the model for the evil producer played by Kevin Spacey in Swimming with Sharks.

    Oh, dear. He wasn’t quite that bad when I worked for him – I’m sure it was fortunate for me that he was in New York most of the time. Actually, I liked and admired him – he was brilliant and creative and quick, and we got along.

    Edgar was the scary one to me. He would scream at the top of his lungs and turn red in the face. Once he yelled at a production assistant who hadn’t accomplished a task, jumped up on my desk and pounded the ceiling until plaster rained down on us. Picture Chellie as a small animal who freezes in place because motion attracts the predator. When he jumped off the table and looked at me, I just said, “So do you want to call Freddie Fields now?” They told me later he said I was “unflappable.” Nope, frozen stiff is what I was, but redirection was a tool I found handy for survival.

    BTW, Carlton Cuse, who grew up to become the executive producer and screenwriter of Lost worked in our office, as did Michael Barnathan, who later was one of the producers of the Harry Potter movies, and Donna Smith who was Associate Producer on The Terminator and became the first female Vice President in charge of Production at a major studio. There was a lot of talent in that office!

    I had taken the job with Scott because I wanted to be a producer’s assistant. I figured I would get an overview of all the jobs in the film industry and then I could decide if there was a job I wanted  on the other side of the camera. But the two years I spent with Scott and Edgar convinced me that it was no place for me. There was too much yelling. I felt I’d have to become used to that, or become a screamer myself, and I just didn’t have it in me to do either. I remember the day I opened up the want ads and prayed, “Please God, please – send me a nice little bookkeeping job with nice, normal people like I had before.”

    And soon enough, off I went. Pretty good move, too, as it turned out. I love my life!

    And there’s no yelling.

    A Date at the Races

    Posted on April 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”

    112-April 22

    “No one has ever bet enough on a winning horse.”—Richard Sasurly

     

    Even if you swim with dolphins, it’s best if you swim in the same direction. It’s hard to build relationships with people who are financially invested in projects diametrically opposed to yours. Let me tell you about my date with Steve:

    Steve and I had a date to go to the races. I had never been to the horse races before, and was excited about going. Before the race, we sat down in the kitchen and picked our horses from the program. Steve was clearly an experienced handicapper, looking over the horses, jockeys, their experience and the odds on each race. Knowing nothing, I just looked at all the names and picked the ones that sounded/felt/good or just “grabbed me” in some way. Rolling his eyes, Steve snorted his contempt for my methods, but laughingly said, “Well, you’ll probably have beginner’s luck and win.”

    How prophetic of him. As I put my meager two-dollar bets on my horses, Steve made much bigger bets on his. Of course mine won. Race after race. I screamed with excitement and joy while Steve morosely tore up his losing tickets. He littered the ground in front of him with the remnants of his losses as I joyfully ran off to collect my winnings.

    The date was not going well.

    The ninth and last race arrived. Steve buried his face in the race form, then looked up at me and asked, “What horse did you pick in the ninth?” I’ll never forget the name of this horse: Azalia Adios. When I told him the name, Steve brightened, looked again at his racing form, and said, “I think you’ve finally picked a good horse!” He bet all his remaining money on this horse coming in first place, while I upped my bet to four dollars. As we waited with excited anticipation, finally having bet on the same horse, I knew we had more than money riding on this race.

    Azalia Adios was out of the gate fast. He took fourth position and held it until the straightaway, when he pulled out in front of all the other horses! First place! We won! Steve made back all of his losses and then some. Whew. The date ended on a high note after all.

    The morals of this story are:

    1.     Not every great horse will win the race.

    2.     Not every mediocre horse will lose the race.

    3.     But if you go to the races with a date, bet on the same horse!

    Today’s Affirmation: “Money flows to me easily and effortlessly, waking, and sleeping!”

     

    The poker world reeled over the Department of Justice’s action on “Black Friday” a couple of years ago on April 15, when it shut down the three largest online poker sites Pokerstars, Absolute Poker.com and Full Tilt, accused the owners of illegal online gambling, money laundering and fraud.

    The fallout from that action continues. The estimated 10 million US poker players have been unable to access these sites and their money on deposit there. Although an agreement was struck between Pokerstars, Full Tilt and the DOJ to allow players to withdraw their money, Pokerstars was the only site to return the players funds to them. Absolute Poker filed bankruptcy as did Full Tilt.

    Most of the televised poker shows have been pulled off the air, as these online poker sites were the major advertisers backing them. The sites have reported a drop-off in business of 38-50%. People lost their jobs in affiliated businesses like the poker magazines which relied on these sites for advertising revenues. Players who live close to brick-and-mortar casinos are flocking there, but there are many players who don’t.  U.S. Professional poker players have moved to foreign countries.

    Reuters.com reported “Antigua and Barbuda, licensee of several Internet gaming companies including Absolute Poker, are considering suing the United States for violating global trade law by shutting down several major online poker sites.  In 2005, the World Trade Organization (WTO) had ruled the United States violated international agreements on trade by prosecuting operators of offshore gaming sites, awarding the Caribbean country $21 million.”

    There are bills in committee in Congress to legalize, regulate, and tax online poker. Sounds like a good plan to me – we could use these millions in our budget, don’t you think?

    After all, there are plenty of legal brick-and-mortar casinos, state-sponsored lotteries, church sponsored bingo games, etc. Why should online poker alone be outlawed? Something’s fishy somewhere. My guess is that the powers-that-be in the government weren’t able to come to an agreement with the online gambling sites about the money that would be due in fees, regulation, and taxes, etc. so they’re playing hardball now.

    When looking for reasons why something has happened, the old adage holds true: Follow the money.

    Flexibility

    Posted on April 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”

    111-April 21

    “Money is better than poverty, if only for financial reasons.”—Woody Allen

     

    The Rabbi said to my friend, Shelley, “You shouldn’t work so hard. You should be dating, meet a nice man, get married.”

    Shelley is happily single and works hard because she wants to. A trifle annoyed at him for “shoulding” on her, she looked at him thoughtfully and inquired, “Are you offering to fix me up with someone?”

    Shelley, Bobbi & Me in Rome

    “Oh, well, I don’t know,” he replied, “What kind of a man are you looking for?”

    Shelley answered, “He has to be 5’8,” make $200,000 a year, and he has to be Jewish.”

    The Rabbi laughed. “Are you flexible about that?” he asked.

    She thought a moment, then said sweetly, “Okay. He has to be 5’8,” make $200,000 a year, and he doesn’t have to be Jewish.”

    That was the last time the Rabbi mentioned dating to Shelley.

    Today’s Affirmation: “I create my life just the way I like it.”

     

    I laughed so hard when Shelley told me this story. Sharp little wit, there, eh? I love it when people have the perfect come back on the spur of the moment. Humor is just one of the best things in life.

    Every now and then, just the right phrase or quip occurs to me, too, and it makes me so happy to make people laugh.

    Back in the day, I was rehearing a USO show with a college theater group. We called it ”The Cohan Company” and we did a lot of Cohan tunes and other American themed skits and songs. We did a tour of army bases in California – my first experience of “Bus-and-Truck” touring.

    We’d get up early, pack up our personal belongings, sets, and costumes, and drive to the next base. Unpack, set up for the show, have lunch at the commissary, do the show, meet the officers afterward for a reception (always including a lovely white sheet cake decorated with “Welcome Cohan Company”), pack up, drive to the next base, set up for the show, have dinner at the commissary, do the show, and meet the officers afterward for a reception. We got a little sugar-crazed from all the white cake and started hoping they’d skip it at the next base, but they never did. And we had to eat it, you know?

    There were two guys in “The Cohan Company”, Mike and Ken, who were terrific punsters. They had a running patter every day filled with supremely groanable puns.

    One day these two guys and I were talking together in the rehearsal hall when our musical director, Craig, came walking in.

    “Look, here comes our musical arranger, Craig,” said Ken.

    “Yes, and he’s all alone,” said Mike.

    “He’s the Lone Arranger!” I quipped, and they cracked up. It was my crowning moment of that summer. Hee.

    Take a break today and laugh. Watch a comedy, listen to a comedian, tell someone a funny story. Humor is the best part of being human.

    Sometimes It Helps to Know a Big Fish

    Posted on April 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”

    109-April 19

    “A bank is a place where they lend you an umbrella in fair weather and ask for it back again when it begins to rain.”—Robert Frost

     

    Sometimes, when you’re a little fish, you can get what you need by enlisting the support and help of a big fish.

    After I graduated from college and got a job, I qualified to get my first credit card, a Bankamericard. (Those were the dark ages, before credit card companies found out how lucrative it was to give credit cards to students.) I used the card intermittently, and always made my payments on time. I had an excellent credit record.

    When I got married three years later, I asked to have my husband’s name added to my card. They immediately asked for me to turn in my credit card, telling me that I had to reapply for credit with my husband. (I told you those were the dark ages.) I dutifully filled out another application, along with my husband.

    They denied our application.

    They denied it on the basis that he was a free-lance actor, therefore self-employed, therefore without verifiable income. We were angry, but didn’t know what we could do, until we saw a Bankamericard commercial on television, starring Dennis Weaver. Weaver, at the time, was the president of the Screen Actors Guild! Without further ado, we wrote a scathing letter to Mr. Weaver, telling him in no uncertain terms that we were very unhappy that the president of our union was supporting a company that denied credit to actors.

    Within two days, we received a two-page letter from Dennis Weaver’s attorneys. Attached was a copy of the letter they had sent to the Bank of America demanding that this matter be rectified. The day after that, I received a call from the president of the Bank of America, asking me what he could do to make me happy. I said he could send me a Bankamericard. You can bet I had one the next day. I wrote thank you notes to him, to Dennis Weaver, and to his attorneys.

    You can have right on your side, but it helps to have might on your side, too. Is there a place in your life where you see injustice? Can you do something about it? Will you alone have enough resources to get the job done? Or do you need to enlist the support of someone else?

    Walk softly, but know a big fish.

    Today’s Affirmation: “I have powerful supporters who help me accomplish great things!”

    When I was growing up in the 50s and 60s, there weren’t any role models for what I wanted to do. In all of the families in my neighborhood, the moms were homemakers and the dads worked at an outside job. In those days, job ads were classified under “men wanted” and “women wanted” and the job descriptions were really different. Working women were secretaries, nurses, and teachers – not executives, doctors, or professional speakers. I believe I picked “acting” as a profession because it was as close as I could get to independent business owner. There was no woman I knew or even read about who owned a business.

    I was lucky in one important respect – I was the oldest child of 3 girls, and research has shown that often in these family circumstances, the father will give more success-oriented instruction to the eldest daughter when there are no male children. My dad always encouraged me to be a winner, to get good grades, to be president of a club, the lead in the school play. Still, when I brought the boys home and beat them at ping-pong, Dad took me aside and said, “Let the boy win.” Too late, dad! I loved winning and being in charge of things and I wasn’t going to stop.

    When I graduated from college in 1970, women’s lib was just getting started. “Equal pay for equal work” was the motto, and arguments were made for fair employment practices for all. The Civil Rights Act, Title VII and other legislation made it illegal to discriminate on the basis of gender. Overtly. But so much of it is subtle and pervasive that we don’t even see it, or when we do, we think it’s the natural order of things.

    Part of the problem is that women just aren’t taught or encouraged to negotiate their salaries, ask for bonuses and promotions, or research exactly what their worth is in the marketplace. In school, you work hard on your assignments, turn in your work on time, obey the rules, and bingo! You get a pat on the head, a gold star, and an A. Try that at work and see what you get: a pat on the head, additional assignments, overtime without pay. And maybe a new title – but that would also be without a raise in pay. I’ve met so many women over the years who were angry and resentful over this “injustice”. No one ever told them that the game is played differently in the real world and that to succeed in business meant they had to develop new skils like promoting themselves, tooting their horns, and asking for what they wanted – loudly and more often. Ah. But the hitch was, if you did that, you were a bitch. The “bitch hitch” is what keeps women locked into submissive strategies that don’t work.

    In the book, “Women Don’t Ask” by Linda Babcock and Sara Laschever, they outline some of the ways in which men still control the majority of the economic environments in which women live and work. Only 10.9% of the members of the boards of directors of Fortune 1000 companies are women. Although women own about 40% of all businesses in the US, they only receive 2.3% of the available equity capital needed for growth. Men get the other 97.7%.

    As recently as 2001, 98% of child-care workers, 82% of elementary school teachers, 91% of nurses, 99% of secretaries, and 70% of social workers in the US were women. 87% of corporate officers of the 500 largest companies, 90% of all engineers, 98% of all construction workers, and 70% of all financial managers were men.

    A 1999 study showed that the percentage of women used as experts in business and economic newscasts on the 3 major TV networks averaged 18%; only 31% of all business and economic news stories were filed by female correspondents, 11% of authors of business and economic news stories were women. Business Week financial articles about influential individuals focused on men 92% of the time.

    Want more information on how to master the game? I did a special free teleclass on this, and you can sign up to receive the recording here: http://http://www.chellie.com/complimentary-teleclass-041811.html

     

    Credit Cards and Spirituality

    Posted on April 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”

    108-April 18

    “When I was born, I owed twelve dollars.”—George S. Kaufman

     

    “Introductory offer—3.9 percent interest rate!” screams the envelope. It’s another credit card solicitation. I add it to the pile I’ve been collecting, muffling the yell of the last offer of 5.9 percent. I must have forty of them now.

    It’s always interesting in my class when we start talking about credit card interest rates. People clamor to find out which credit card has the best terms. Should they switch their balances to a new card every time they get a new, lower offer? How can they make sure they notice when the interest rate balloons after the introductory period? Can they call their current card and get them to lower their interest rate?

    I chuckle. All of this energy and attention is misplaced. They are treating the symptom and not the disease. The truth is if they pay off their balance every month, it won’t matter what the interest rate is on the card. As long as it is a card that has a grace period and not one that charges interest from the date of your purchase, if you pay the bill in full when you get it, you won’t owe one dime in interest.

    (Continued on page 108 of The Wealthy Spirit)

    Today’s Affirmation: “I love what a smart money manager I am!”

     

    Each year, my roommate Shelley prepares Passover supper for her family and my family gathers at one of my sister’s for Easter. I’ve always felt strong kindred for the Jewish people and traditions. It probably started in childhood when I fell in love with Charlton Heston in The Ten Commandments, although there’s a whisper of a family rumor that my grandmother was Jewish. When my Sunday school at church had a Passover Seder at Easter, it sank in that Jesus was Jewish, all the disciples were Jewish, the Virgin Mary was Jewish, etc. I mean, I knew that, but I didn’t really know it, you know? After that I just couldn’t understand what anti-Semitism was all about. Like, what do you think Jesus would say about that?

    I guess you just have to file it under “People are crazy”.

    I have found beauty in all religious traditions.  I gained insight from Sufi stories, I learned compassion and love from Jesus; I learned the Ten Commandments from the Torah.  Catholics have beautiful cathedrals, a wonderful liturgy, Gregorian Chants, and the Sistine Chapel.  The Mormons I have met have been some of the nicest people I’ve ever encountered.  Muslims pray five times a day, and the muezzin’s song calling the faithful to worship is profoundly beautiful.  I found Tao in the night-blooming jasmine outside my door, and purring of the cat in my arms.  I embraced reincarnation after reading about Edgar Cayce’s work in There is a River by Thomas Sugrue, because it rang an internal bell for me.  Many lives, many chances to discover and learn the truth—I like that idea. It’s fair. I listen to everyone and do the best I can to make my own decisions, to take the wheat and leave the chaff behind.  Someone huffed at me that I couldn’t just believe the parts of religions I liked and disregard the rest.  Sure I can.  Just watch me keep the baby Dolphin and throw the sharky bits in the bathwater out.

    My friend, Adipen Bose, said to me, “People say that in India we have 8 million gods.  That’s not it—we have 8 million aspects of God.”  That sounds right to me.  If there is a God, Creative Consciousness, Higher Power, Holy Spirit, Divine Designer of what we know in the Universe—call it “The Force” as in Star Wars—when we small humans touch upon such magnificence, can we be entrusted to see all of the mighty power contained therein?  Most likely not.  So what we do is choose aspects of God to worship, pray to, or be mindful of, and we choose groups called religions in order to bond with others and touch the Divine:  Jewish, Hindu, Catholic, Protestant, Mormon, Muslim, Church of Religious Science, Ba H’ai, et al.

    There was a survey in England in which 390,000 people listed their religious affiliation as “Jedi”.  The aspect of God I believe in would be laughing heartily with me about that!

    Can I make a request? Can women get some face time in religions now, too?  Women have been second-class citizens for eons, but you can’t keep us down in the convent now that we’ve seen the Internet.  I was brought up with the Father, the Son, and the Holy Ghost, but wouldn’t it be nice to include the Mother, the Daughter, and Women’s Intuition? The female principle needs a little more good press. We’re tired of being the villain of the Garden of Eden story.  At least we were brave enough to make up our own minds and take a risk.  Adam just whined, “The woman made me do it.”  Sheesh, Adam, you’re such a Tuna.

    Some wit said that the Eleventh Commandment was “Thou shalt lighten up!”  Let’s forget the details, look for the Universal Good in all religions and love each other.  Show me by loving example that your way is the way of a Dolphin.

    For more in this vein, see my book Zero to Zillionaire.

     

     

     

     

    Visualize Your Money

    Posted on April 17th, 2014 in The Wealthy Spirit by chellie

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

    107-April 17

    “The best way to reduce your bills is to put them on microfilm.”—Anonymous

    Sophie, a talented writer, was between jobs. She was thinking creatively about what to do next—should she look for employment or start her own business? She was doing research considering her options, when she realized her current funds weren’t going to cover her budget for the month. Anxiously, she thought about how she could create some additional income.

    Years before, in wealthier times, Sophie had loaned a large sum of money to a friend, who was paying it back on an installment plan. For the past three years, this person had been making payments of $500 per month. In a flash, Sophie saw that this could be a source of additional revenue. She started to visualize the friend writing a check for $2,000 instead of $500. Every day for the next two weeks, Sophie said her affirmations, believed in her abundance, and visualized her friend writing a check to her for $2,000.

    The check arrived. Sophie looked at the envelope, and held her breath as she tore it open. And there in her hands was a check for exactly $2,000.

    (I told her to visualize $5,000 next month.)

    And how much money do you want? Are you willing to believe it and affirm it daily? It’s been said that faith can move mountains. It can move money, too.

    Today’s Affirmation: “I now receive large sums of money just for being me!” (Contributed by Christiane Schull)

    Friday, April 15, 2012 was Black Friday for poker players in the United States, as the Department of Justice moved to shut down online poker sites Pokerstars, Full Tilt, Ultimate Bet and Absolute Poker to US players, and arrest the owners on charges of bank fraud, money-laundering, and illegal gambling offences.

    I. Nelson Rose, professor of law at Whittier Law School (www.gamblingandthelaw.com) writes “The Unlawful Internet Gambling Enforcement Act of 2006 was rammed through Congress by the Republican leadership in the final minutes before the election period recess. According to Sen. Frank R. Lautenberg (D- NJ), no one on the Senate-House Conference Committee had even seen the final language of the bill. The Act is title VIII of a completely unrelated bill, the Safe Port Act, HR 4954, dealing with port security, which was deemed critical to the national security and due to pass.”

    Whether or not you believe poker is a game of skill, or approve of gambling in any of its forms, the fact that a small group of our elected representatives can attach a rider to a bill about national security that is totally unrelated to it, that most of our elected officials hadn’t even read, that being signed into law affects the livelihood and freedom to engage in online activities of all Americans, makes me very angry. The law essentially made it illegal for banks to process fund transfers by credit card, check or money order sent from US citizens to any online gambling entity. It did not make it illegal for US citizens to play online – it just made it really difficult to transfer money in and out. As the sites figured out creative ways to enable players to send and withdraw funds, they ran afoul of this law, based on archaic laws on our books about wire fraud and gambling.

    Something is very wrong with our system of government when a law can be passed in this manner, and sprung on an unsuspecting public. Although I don’t play poker online myself, many of my poker-playing friends do, and these most popular poker sites immediately closed their sites to US players, leaving them with no recourse and without access to their deposited funds. It spread shockwaves through the poker community, many of whom are professional or semi-professional players who make their living from this activity.

    The United States has budget problems. There are billions of dollars generated by internet gambling. I am sure there is a lot of backroom jockeying going on, as our politicians figure out how to regulate and tax this activity. I am in favor of online gambling being regulated and taxed, as is every other business. Let’s get those tax dollars into our coffers. But passing a law in the dark, disabling US citizens’ ability to partake in activities of their choice, and using that to crack down on business owners as a way of enforcing taxation, is just an ugly way of making that happen.

    I joined the Poker Players Alliance, which is fighting for legislation to keep poker legal and regulated. They hired lobbyists, and have worked with congressional representatives to present legislation to overturn the UIGEA.

    Three years ago, I predicted: “It will be interesting to see how this all plays out. Brick-and-mortar casinos will be full. Televised poker will disappear, as the online gambling sites are the major source of advertising dollars for these programs. And a lot of US online poker players will be moving to foreign countries, where they will be free to play as they wish. Isn’t that ironic?”

    I was right. Seen any poker on TV lately? The only show we regularly see anymore is the main event of the World Series of Poker in the summer. But they used to televise many events – now they only do one.

    Shopping List

    Posted on April 16th, 2014 in The Wealthy Spirit by chellie

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

    106-April 16

    “The more you can dream, the more you can do. You are the one that can stretch your own horizon.”—Max Steingard

     

    Now my partners and I were shopping for a house. Our budget for this purpose was small. Therefore, in the Los Angeles area, we were looking in a fairly low price range. But I had a vision of the perfect house and it was a charmer.

    I made a list of everything I wanted in our house:

    1.     Three bedrooms, two baths

    2.     A beautiful brick fireplace

    3.     Oozing with charm: beam ceilings, beautiful tiles, rounded archways

    4.     A living room and a den

    5.     A big airy kitchen with sunlight streaming through many windows

    6.     A large backyard with room to garden and lots of trees

    7.     A nice neighborhood

    8.     A swimming pool

    Sheepishly, I handed my list to our real estate agent, Judy Washburn. Judy and her husband, Gary, were warm and friendly, a terrific couple who had helped my sister and her husband buy a house. But I was afraid she was going to tell us we couldn’t possibly get all the things on my list in the price range we were looking at. Well, she did laugh when she saw it. When she looked up at me to respond, I forestalled her by saying I said I realized this was asking for a lot, but I needed her to know what I really wanted if we were going to be able to create finding a house that had at least some of the features on the list. She looked at me seriously for a moment, nodded, and filed the list away amongst her papers.

    It was just a couple of weeks later that we were looking at some houses she had found, when we drove past a cute house with a for-sale sign on the front lawn. Judy couldn’t find it in her lists, but went to the front door and asked if we could come in. The owners were home, and said, “Sure!” As we walked through this house, I got more and more excited. This house had everything on my list: Rounded archways in a Spanish style, burgundy and flowered tiles in bathroom and kitchen, a living room and a den. It didn’t have a pool, but it had a large lot with ten orange trees on it and oh, I wanted it! Judy had to keep taking me aside and tell me not to get so excited—it was ruining her bargaining power. But the price they were asking was even in our range!

    Within a month, the house was ours. When we finalized the purchase agreement, I reminded Judy about the list. She pulled it from her purse and smiled as she shook her head in amazement.

    “You were very lucky,” she said. I agreed then. But now I know that I was following the path I was later to identify as 1) Think positive; 2) Send out ships; and 3) Count your money. It worked then and it works now.

    What’s on your list?

    Today’s Affirmation: “All my good is delivered to me now!”

    I’ve been figuring out how to use Facebook effectively. So many people have jumped on the social media advertising bandwagon there that sometimes it seems just like a television station broadcasting commercials all day long.

    I found I wasn’t very interested in reading endless pitches to buy people’s products or services.

    What was interesting was to engage in conversations about a topic, and too, well, become friends with people.

    It’s just like joining a live networking group. If all you do is try to sell your products and services, it’s not going to work. You need to engage with other people and be interested in them and what they’re doing. Read their blog and comment. Share other people’s interesting posts with your friends. Sign up for someone else’s teleclass and send them a testimonial if you enjoyed it. Refer them business if you can.

    When you’re interested in others, others will be interested in you. Simple, no?

    Happy online networking today, dolphins!

     

     

    Providence Moves, Too!

    Posted on April 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”

    105-April 15

    “The moment one definitely commits oneself, then Providence moves, too. All sorts of things occur to help one that would never have otherwise occurred.”—Johann Wolfgang Von Goethe

     

    Years ago, when I was working as the office manager for a small company, I wanted to buy a house with my fiancé. We didn’t have any money saved for a down payment, and we didn’t know how we could do it, but we set the goal anyway. Right after that, the company I worked for sponsored a class called Hypmovation—it was a combination of self-hypnosis and motivation. The goal-getting idea I got from them was to write a contract with yourself, identifying specifically what you wanted and by when. You were to describe in the contract the actions you would take to achieve the goal and then sign and date it. After that, you were to visualize the goal as a reality, and follow through by doing the actions you said you would do to accomplish the goal. I wrote that I would open a special savings account labeled “House Account” and save a specific amount of money every week plus any raises I received. I expected that it would take two years to save enough for a down payment on a house.

    It only took six months. A surprising opportunity arrived that made home ownership a reality soon after declaring the goal. My fiancé and I were friends with another couple whose home had appreciated substantially in value. At dinner one night, they were talking about how they would like to buy more property, perhaps with another couple. Ka-ching! We told them that we were that “other couple” and the house hunt was on.

    (continued on page 105 of The Wealthy Spirit)

    Today’s Affirmation: “I am happily creating my own rich rewards!”

     

    In teaching my Financial Stress Reduction® Workshops, I’ve seen women—and men, too—struggle with pricing. If you don’t price your products and services correctly, you won’t ever make the money you want – and deserve – to make. Everyone had anxiety about asking for money – from negotiating a starting salary to pricing their products and services if they were in business for themselves.

    But men were willing to tolerate their anxiety and ask for the money anyway, where women seemed to have much more difficulty with it.

    Why are women willing to go broke rather than ask for more money?

    Here are some of the responses I’ve heard myself as I work with women to improve their financial condition by asking for more money:

    “My clients can’t afford more money.”

    “Other people are charging less so I have to charge less in order to be competitive.”

    “I’m afraid if I ask for more, I won’t get the job (or my clients will leave and I’ll have nothing).”

    “I’m afraid if I ask for more, they won’t like me.”

    “I don’t want to be greedy.”

    And the clincher: “I love my work – it’s not about the money.”

    Are any of those statements resonating with you?

    I’ve been studying the research in the book “Women Don’t Ask: the High Cost of Avoiding Negotiation and Positive Strategies for Change” by Linda Babcock and Sara Laschever, investigating the reasons why women still make on 77 cents to a man’s dollar – even when they are just as skilled, just as talented, and have the same qualifications and credentials in every way.

    Linda is currently Professor of Economics at Carnegie Mellon University. A few years ago, when she was director of the Ph.D. program at her school, a delegation of women graduate students came to her office. Many of the male graduate students were teaching courses of their own, the women explained, while most of the female graduate students had been assigned to work as teaching assistants to regular faculty. Linda agreed that this didn’t sound fair, and that afternoon she asked the associate dean who handled teaching assignments about the women’s complaint. She received a simple answer: “I try to find teaching opportunities for any student who approaches me with a good idea for a course, the ability to teach and a reasonable offer about what it will cost,” he explained. ‘More men ask. The women just don’t ask.”

    This incident suggested to her a more pervasive problem. Could it be that women don’t get more of the things they want in life because they don’t ask for them?

    I gave a complimentary teleclass “Women Don’t Ask: Why Women Earn Less Than Men and How to Break Through to Big Money Now!”  and it was wonderful being able to share all this information on how our culture works to keep us from making all the money we deserve. We had a fascinating question and answer session after the call, too. I had a blast and the responses were terrific!

    “Women Don’t Ask: Why Women Earn Less Than Men and How to Break Through to Big Money Now!”

    You can listen to the free recording now – just click here www.chellie.com/complimentary-teleclass-041211.html

    I’m going to share with you the Top Three Secrets you need to know so you can be of SERVICE, operate with HEART, and get the MONEY to be happy, joyful, and rich.

    Listen in – you’ll be glad you did!

     

     

     

     

    Hawaiian Shirts

    Posted on April 14th, 2014 in The Wealthy Spirit by chellie

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

    104-April 14

    “A person will be called to account on Judgment Day for every permissible thing he might have enjoyed but did not.”—The Talmud

     

    Financial stress reduction is as much about being relaxed and happy as it is about making a lot of money. Ideally, you want to be making more money and having more fun on a daily basis. Lack of either one creates stress and unhappiness.

    A wealthy young stockbroker named Max, who had inherited money, took my financial workshop several years ago. Tense and unhappy when I talked with him on the phone, he seemed hesitant about attending the workshop, but agreed to come to the first class and see how he liked it. Although I instruct everyone to dress casually, he wore a suit and tie. He had a rather negative attitude, made skeptical comments, and sat in a closed position with his arms tightly crossed. It was clear to me he had an attitude and needed some help, but I wasn’t sure I could reach him. However, by the end of the first class, he said he wanted to continue with the course.

    During the second class, I ask each participant to share three opportunities and three obstacles they see facing them. Then, as a group, we offer each person creative suggestions for taking advantage of their opportunities or for solving their problems. When it came time for Max to share, a lot of anger came pouring out. Once again wearing a suit and tie, he had no opportunities on his list and about twelve obstacles. As he spoke, I saw that his need for financial stress reduction wasn’t about money. He had that. What he didn’t have was fun.

    At that point, I jumped in and asked him, “Where is the fun in your life?” Totally taken aback, he just stared at me. I said, “Max, I’m giving you a special assignment for this week. You don’t need to work on money—you have that. What I want is for you to do as many fun things as possible this week. Go to the beach for a day and just lie in the sun and swim. Go to a movie in the afternoon. Rent a hotel room for a night and take your wife out on the town. Whatever you think is fun, do it. The sky’s the limit. Bring a list next week of all the fun you had to share with us.”

    As I spoke, he changed right in front of all our eyes. He started smiling. Then he grinned and blushed. He sat back in his chair and relaxed. Everyone applauded and envied his assignment.

    He looked like a little kid at Christmas.

    The next week, when he came to class with his “fun list,” he was wearing a Hawaiian shirt and sandals! He wore a Hawaiian shirt to every class from then on—and a smile.

    Make fun your priority today. Take a day off. Get yourself a Hawaiian shirt.

    Today’s Affirmation: “The more fun I have the more money I make!”

     

    I love this story – I remember Max fondly. He was so much fun in his Hawaiian shirt!

    When I was an actor, the costume always meant a lot to me in building my character. Was she funny and flirty? Strict and up-tight? A show off or an introvert? The clothes tell a lot of the story.

    Shoes were particularly important. High heels, flats, or sneakers give you a totally different posture and attitude. In my theatre costume class in college, one day the instructor held up a pair of 1940s style high heels and said they were called “Open-toed Joan Crawford F** Me Shoes”. We all howled at that. One of those little bits of trivia that sticks in your mind forever. Hee.

    Joan Crawford shoes on bottom row

    An accomplished, professional friend of mine who had a corporate job always wore a suit to work, and was in her finest no-nonsense business mode when dressed that way. Her young daughter picked that up immediately. She didn’t like it when her mommy put her jacket on, because along with it, she put on her business manner.

    Whenever her mom came home from work, she’d say, “Mommy, jacket off!”

    So, jackets off today, everyone! Relax, change your style, and have fun.