The Wealthy Spirit Insider

    Choices

    Posted on May 31st, 2011 in The Wealthy Spirit by chellie

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

    151-May 31
    “No matter how big or soft or warm your bed is, you still have to get out of it.”—Grace Slick

    Never before have human beings had as many choices as those presented in our modern society. The train, the steam ship, the automobile, and the airplane have made travel accessible to the masses. With mobility come broader perspectives and new choices: You can live anywhere, choose any career, meet anyone. Today you can pack up and move to New York, Chicago, Orlando, Kansas City, or a farm in Montana. You can learn to sail, write a book, produce a movie, adopt a child. We yearn for the excitement of the new challenge and play with the fantasies of what might be, what could be, if we would just go for it.

    Then the “yeah, buts” take over and we don’t make a move after all. The change looks too scary, and what if we fail? We convince ourselves that we are safe where we are, and we’d better not risk what we have going after what we don’t have. Or the sheer magnitude of possible choices overwhelm us and we cry: “But I don’t know what to choose!”

    Pick anything. Make a list of possibilities that interest you and just pick one. Then go for it. You might not write a book today, but you can write a page. You might not be ready to sail around the world, but you can take a sailing lesson. Dream of stardom? Audition for the local community theater. Take a step in a new direction. You don’t have to make the right choice, just make a new choice. Get in the habit of choosing your life.
    Not choosing is a choice to choose what you’ve already chosen.

    Today’s Affirmation: “I choose my favorite treasures from life’s overflowing treasury.”

    I loved this article written by my friend, Jeannine Wiest, and am delighted to share it with you. Because of her experience in making a new choice, she found a new career and direction for her life.

    As Seen in Massage Today Magazine April 2010
    SPARKLE HIP by Jeannine Wiest, CMT, CST

    An ache is getting my attention. I need fresh eyes for the nagging feeling that’s been surfacing as a catch-click pain in my right hip. I decide to see Abigail, a CranioSacral Therapist I’ve heard good things about. She works out of her townhouse by the beach.
    I find her place easily. I’m early so I drive around and see a Big Lots store. I wonder what leftover retail items I need. I find mugs that say “Official Society of Sarcasm: Like We Care What You Drink.” In an existential mood, I buy two.
    My stomach flutters as I drive back to Abigail’s house and park. With 10 minutes to kill, I turn on the radio.” “You know that I could use somebody…” Kings of Leon. Love them.
    That’s 3 minutes gone.
    Maybe I can just sit here for a little while longer. A gardener starts his blower two houses up. A man shuffles by with a poodle that reminds me of my childhood pet. Okay, let’s ring the bell.
    I enter a small brick courtyard with one cactus, wind chimes and three sets of shoes. Abigail appears wearing an Esalen t-shirt and drawstring trousers. We walk downstairs to her treatment room.
    She leaves me to settle in, face up on her table. The blue room has shelves of crystals and books. The lights are low. I clear my mind of Big Lots, childhood pets and expectations.
    Abigail comes in. I feel the heat of her hands as she connects with the dorsa of my feet and my cranial rhythm. It feels like sonic electricity humming. She palpates her way up my body, asking me about surgeries as her hands move to my ASIS hip bones. I tell her I’ve had two laparotomies.
    “How long ago,” she asks.
    “Long ago,” I answer. Her hands sandwich my abdomen.
    All of a sudden, I’m in sixth grade. A memory floods my awareness as I shift into a SomatoEmotional state. I see my 10-year old self in a New York City bathroom with Pam Maher. We’re both looking in the mirror.
    Pam has strawberry blond hair she wears long and straight with a center part, like Joni Mitchell. Her features are angular. She’s painting her small mouth with Yardley Pot O’ Gloss. A child model, she wears things I’ve never seen at the Long Island Green Acres Mall.
    Today she’s wearing a suede two-piece outfit, the exact russet shade of her hair. The front and back are attached with tortoise-shell rings, so there’s a two inch separation on both sides. It’s not X-rated because of the brown-ribbed unitard underneath. This picture has been hiding in my right hip.
    “Where are you, Jeannine?” Abigail asks.
    I tell her I am in the bathroom with Pam. Tears form. My spine shudders from neck to hips.
    “What are you aware of?” she asks quietly.
    “She’s putting makeup on,” I say. I’m pretending I left my makeup at home, but I don’t really have any.”
    A wave of nausea comes over me as I watch little Jeannine feeling less than Pam. A tear slides down the side of my eye and pools in my ear.
    “Tell me more,” Abigail says neutrally.
    “She’s a model. She was just in the New York Times Magazine section. I ask her how it feels to be in a full-page ad by herself.”
    My hip screams a raw arthritic pain, but I don’t have arthritis.
    Now Abigail is sandwiching my hip.
    “You’re asking her a question,” she continues.
    “I ask questions. I want to imagine what it’s like to be in the center of a magazine. I feel so stupid, like she knows things I’ll never know.”
    I fall silent. My fascia shifts to accommodate this focused attention. Abigail stays where she is. Tears fill my face.
    The observer part of me is pleased and curious about what’s transpiring. Being neutral on the table allows me to be present to witness the trauma unraveling. It’s the coolest way to explore.
    I’m still in the bathroom with Pam. She tousles her hair, which is weird because it just falls straight again. It would never occur to me to tousle my hair.
    “How does it feel to have them choose you?” I venture.
    “I don’t know,” Pam replies.
    Answering me is obviously a pain. I ignore it. After all, she’s my friend, and I want to know.
    “How come you don’t know, Pam?”
    “Because I don’t ask stupid questions,” she says.
    All at once I think, “Did I hear that correctly. What does that mean?”
    Then it dawns on me. Oh. Oh no. Grown-up Jeannine, watching from a therapy table 40 years away, sees what 6th-grade Jeannine does in that instant. She leaves her body to protect herself. She makes decisions about herself that day that are stuck in my 50-year-old hip.
    Abigail notices. “Huge heat release just now,” she says. “Feel that?”
    “I’m invisible,” my sixth-grader cries.
    At that moment I confirmed something for myself. I am stupid. Pam wouldn’t say it if it wasn’t true. I walk into one of the bathroom stalls and close the door.
    Abigail murmurs, but I can’t hear her. Louder she says, “Tell me more about being invisible.” Her voice pierces the stall where I’m frozen in 6th-grade discovery.
    “My heart,” I say.
    “Your heart,” Abigail repeats gently. “What about your heart?”
    “She stabbed me with words in my heart.”
    “Stabbed you.”
    “Yeah. Pam, my perfect friend.” I sniff.
    “What about your heart?”
    “My heart is huge and sloppy and not cool.”
    “Huge and sloppy and not cool,” Abigail mirrors. “Is that right?”
    “Mmmhmm, “I whisper. “I have to hide it.”
    “Hide it. Why is that?” Abigail says.
    “I have to hide it to make it fit into this body.”
    I fall silent as a lighter feeling begins to flow into my hip. Minutes pass. My body shifts to take in the awareness.
    I’ve told that story over the years to shrinks and to lovers, pointing in an analytical way to the moment I decided I must be stupid. None of them gave my body relief from Pam’s words, which had been stuck in my hip for 40 years. Now that trapped energy has moved.
    Abigail asks me if I want to reframe the scene. She has one hand on my hip, the other near my heart.
    “I’d like to play hooky, take my 6th-grader to the park and get her out of that bathroom before she has to hide in a stall and pretend it’s okay,” I say.
    “Do you need help with that?” Abigail asks.
    “No. I’m going to dance out of the building and up to Central Park and 59th.”
    I do just that in my head. I feel viscerally how freeing it is to change that story and run to the green trees with my big sloppy heart.
    “What are you aware of in your hip now? Abigail asks.
    “It feels empty,” I say, “like a vast art gallery in the Village waiting to be filled with art.”
    It’s not any analogy I ever imagined, but that’s what bubbles up.
    “What would you like to fill it with?” she asks.
    “Sparkles,” I say.”Lots of sparkly art.”
    My left brain kicks in. Jeez, what kind of Village gallery has sparkles? Then I laugh, because it’s my sparkle art. My hip needs sparkles. The hip has spoken. I don’t know what my inner wisdom will show me next, but I’ll meet it with a sparkly hip.

    Jeannine Wiest,CST, is a certified, advanced craniosacral therapist in Los Angeles. Her company Cranial Alchemy offers group classes on Finding and Restoring Your Creative Brilliance.With her private hands-on clients, she specializes in helping them transform traumatic energy that’s trapped in their bodies so they can connect with their creative power. www.jeanninewiest.com

    The Son of Jaws Meets the Bride of Tuna

    Posted on May 30th, 2011 in The Wealthy Spirit by chellie

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

    150-May 30

     “There’s a sucker born every minute.”—P.T. Barnum

    “Easy money!” The ads seem to scream. “Work at home part-time and make thousands of dollars!” Solicitations arrive in the mail: “You’re already a winner of one of these four fabulous prizes: a new car, a new television, a new stereo, or luggage. Send your check for $39.95 shipping and handling to….” Of course you get the luggage—a plastic little fold-up airline bag worth $1.49. I know because I fell for that one.

    Have you? Here are the Top Ten Telemarketing Frauds, as reported by the national Fraud Information Center:

    1. 1.     Work-at-Home Plans: Programs sold with false promises of earnings.
    2. 2.     Telephone Cramming: Consumers are billed for services they never ordered.
    3. 3.     Advance-fee Loans: Loan offers requiring payment in advance for loans that are never made.
    4. 4.     Prize Offers and Sweepstakes: Consumers are asked to pay up front fees in order to collect a prize or be eligible for one.
    5. 5.     Telephone Slamming: Consumers phone carriers are switched without the consumers’ knowledge or consent.
    6. 6.     Magazine Sales: Fake subscriptions or renewals to magazines which never arrive.
    7. 7.     Travel and Vacation Offers: Offers of “free trips” that have undisclosed costs.
    8. 8.     Credit Card Offers: Phony promises of cards for which payment of fees are required in advance.
    9. 9.     Investment Opportunities: Use of high-pressure sales tactics and outrageous profit claims to get consumers to invest in phony investment pools.

    10. Credit Card Loss Protection Plans: Using scare tactics or misrepresentation to sell unnecessary “coverage.”

    Well, let’s see, in addition to having fallen for number four in the example above, I have also been taken in by number six and number seven. When I was in college, a nice young man came to the door and earnestly told me of his plan to pay for tuition through magazine sales. I bought several subscriptions which never arrived. Then I bought a vacation package to Las Vegas, but when I went to the address they gave me to pick up the documents, it was a vacant lot.

    After that, I got smarter. I asked more questions, and asked for a phone number so I could call them back. Funny how they never wanted to give me a number. If it looks too good to be true, figure out why they’re telling you. Ask questions, research, do your due diligence. Buy from people you know and trust—and are going to see again next Tuesday.

    There are sharks in dolphin’s clothing out there. If you fall for them, you’re a tuna.

    Today’s Affirmation: “I am safe in the lap of luxury.”

     

    Have you seen any of these in your email in-box?

    My name is Mr. Song Li le I work with the Hang Seng Bank.
    There is the sum of $19,500,000.00 in my bank”Hang Seng Bank”,Hong kong.
    I do solicit for your assistance in effecting this transaction. I intend to give 30% of the total funds as compensation for your assistance.

    I AM ROTIMI AHMED, ASSISTANCE AND FAMILY LAWYER TO THE WIFE
    OF THE FORMER PRESIDENT OF NIGERIA, MUSA YAR’DUA WHO DIED
    LAST YEAR AFTER SOME MONTHS OF ILLNESS. AFTER HIS DEATH AND BURIAL, THE WIFE CONTACTED ME THAT SHE HAS A TOTAL SUM OF $20M CASH WHICH SHE DEPOSITED WITH A SECURITY COMPANY AND THAT I SHOULD HELP HER SOLICIT FOR A RELIABLE AND TRUSTED PERSON WHO CAN HELP THE FAMILY TO KEEP THE CASH PENDING HER ARRIVAL

    My name is Richard Tang Yat Sun, A staff of Hang Seng Bank, Here in Hong Kong. I have a business proposal in the tune of US$24.5m to be transferred to an offshore account with your assistance if willing. After the successful transfer, we shall share in ratio of 50% for you and 50% for me. (I wonder if he’s related to Mr. Song Li above?)

    I am Mr.Musa Ibrahim, working in a Finance house. However I got your address through the International web directory online. During our recent reconciliation and auditing of our Finance house accounts, my department discovered an over dormant account with a huge amount of money, valued at US$  10,500,000.00 (Ten million, five hundred thousand, United State dollars, only that belongs to one of our late customers.He has passed away (dead) leaving no beneficiary to the account…I want you to stand in as next of kin to our late customer so that the fund will be released to you.

    Your Email ID won!
    EuroMillion Lottery Intl. Program
    FOREIGN SERVICE SECTION BARCELONA.
    REFERENCE NUMBER: SOXW/HAWIR
    BATCH NUMBER: 2011/149 /BMQ

    OFFICIAL WINNING NOTIFICATION.

    We are pleased to inform you of the released results of the EuroMillions Corporations
    Sweepstakes Promotion in conjunction with foundations for the promotion of software
    products organized for Software users.

    This Program was held on 10th March , 2011, in Barcelona- Spain.
    Wherein your email address emerged as one of the online Winning emails in the
    1st category and therefore attracted a cash award of EUR1,500,000.00 (One Million Five
    Hundred Thousand  Euros) and an Apple  laptop. Your laptop, certificate of
    winnings and your cheque of (EUR1 500,000.00 Euros) will be sent to your contact address
    in your location.

    Please take note, lucky winners will pay for their courier services delivery.

    I also love the men who write me passionate mash notes on Facebook like this:

    Hello,
    i am steve by name,i like your profile,you are a beautiful woman,i am looking for a caring loving and honest woman,someone that knows what she wants,i am a man that was raised to believe women are the best gift God gives to men on earth and they deserve to be treated with lots of love care and respect,this i have vow to always do for the right woman when i find her,i will like to know more about you.will be waiting to read from you.you can email me etc.etc.

    They usually use funny language like “dearly beloved” and “you fantastic  pretty” and have only 12 friends. Sigh.

    So I should now have about $80 trillion and dozens of young male models trailing in my wake. Hee.

    The Chinese Version of Heaven and Hell

    Posted on May 29th, 2011 in The Wealthy Spirit by chellie

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

    149-May 29

    “Those who bring sunshine to the lives of others cannot keep it from themselves.”—James M. Barrie

    This is a story I heard years ago, origin unknown:

    In the Chinese vision of Hell, many people are seated around a large table. The table is laden with fine food, piled high in the middle of the table, looking scrumptious and smelling delicious. At each place setting, there is a set of very long chopsticks with which each person can reach the food in the middle. But the chopsticks are too long for the people to be able to get the food into their mouths. So they are all wailing, angry and starving.

    In the Chinese vision of Heaven, many people are seated around a large table. The table is laden with fine food, piled high in the middle of the table, looking scrumptious and smelling delicious. At each place setting, there is a set of very long chopsticks with which each person can reach the food in the middle. But the chopsticks are too long for the people to be able to get the food into their mouths. However, everyone here is fat and happy—because they are using their long chopsticks to feed the person across from them.

    Someone once told me: “No one goes to Heaven until everybody goes.”

    Hmmm. Rather gives you a different sense of your responsibility in the world, doesn’t it?

    Today’s Affirmation: “As I give to others from my abundance, I give to myself as well.”

    My dear friend, Lorrie Kazan, wrote this great article – enjoy! 

    Prosperous Times

    No pessimist ever discovered the secrets of the stars, or sailed to
    an unchartered land, or opened a new heaven to the human spirit.”
       — Helen Keller

    This quote brings me back to the idea of asking, “What’s the down side of positive expectancy?”  We’re hearing a lot of doom and gloom predictions these days; apparently doom and gloom is dramatic, sells papers, gets us hooked, but it doesn’t leave us anywhere we really want to go.

    Edgar Cayce, who was the most documented psychic in history, often cautioned people about being too quick to judge their successes and failures.  Psychologist and Cayce expert, Dr. Mark Thurston, expressed similar ideas in Venture Inward magazine that are relevant for us and our prosperity. 

    In How Do We Measure Success? Dr. Thurston reminds us that Cayce often nudged people to realize that “Sometimes when we seem to be failing most miserably in outer life, it provides an opening for our inner life.”  

    cloud angel over Sedona

    Those of us who are looking at creating prosperity from the metaphysical level, which is from the inside out, can look with added interest at Cayce’s words.  In 1943 he gave a psychic reading for a woman who repeatedly asked why her life was such a failure.  She had all the outer proof:  a cheating husband, failing marriage, estrangement from her children.  But Cayce told her that from a greater perspective, “her life was a failure only if she stopped trying.  Her soul-growth task was to avoid self-condemnation, be selfless, and keep recognizing the spiritual opportunity in what was happening.”

    The readings tell us that no matter what the circumstance, there is always a spiritual opportunity.  In fact, a reading revealed that Cayce’s remarkable talents were heightened in past lives, especially the one in which he was buried alive!  While it would be great to have his phenomenal gifts, most of us wouldn’t consciously volunteer to develop them through such difficult lifetimes, but who is to say that we aren’t in that same soul process of becoming our highest and best selves?

    Certainly, keeping one’s mind focused on spirituality and possibility seems healthier than what many of us do, which is habitually judge ourselves negatively and slip into fear-based, negative self-talk. 

    Sometimes old habits die hard but they can be replaced.  What if we don’t judge our circumstances and ourselves from our limited earthbound perspective? 

    Cayce said it was important to have an ideal, which each of us could use as a guiding star.  If, for instance, your ideal were love, then you would measure your thoughts, words and deeds against that ideal.  If you’re in self condemnation, are you living your ideal of being loving?  If not, then in Cayce’s cosmology, it’s only a failure if you stop trying.  From my perspective, the ideal of love guides one back to kindness to ourselves and others, no matter what.

    Dr. Thurston also notes that modern business are seizing upon holistic practices such as meditation and dream guidance because its shown to provide stress reduction, better decision-making, and an enhanced bottom line.

    We’re reminded not to mistake material success for spiritual depth.  While the two don’t automatically run concurrently, they certainly can.  Wherever you are in your current journey, the lesson here is stick with a positive ideal.  Progress can’t always be seen, especially in the moment, by the critical mind but what we develop within us is ours for life–or if you believe Cayce, for lifetimes.

    Lorrie Kazan was chosen as one of the top psychics in a worldwide audition for the Edgar Cayce Institute.  Contact her at  www.ilovemypsychic.com for information about readings, free newsletters, articles and classes.

    Tax Advice

    Posted on May 28th, 2011 in The Wealthy Spirit by chellie

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

    148-May 28

    “There’s only one thing worse than paying income tax; and that’s not paying it!”—Anonymous

    I am not a CPA, nor an enrolled agent. I don’t prepare tax returns, so I am not going to give you specific tax advice. This is just the general news I think everyone needs to know:

    1. Get professional advice. Pay the money. I never had a tax preparer that didn’t save me more money on my taxes than his or her fee cost me. In The Millionaire Next Door, authors Stanley and Danko outline many areas where the typical millionaire saves money, buying second-hand cars, resoling their shoes, etc. “But they are not nearly as price-sensitive when it comes to purchasing investment advice and services, accounting services, tax advice, legal services, medical and dental care for themselves and family members, educational products and homes.” They state that the affluent account for only about 1 percent of the U.S. households, but they pay 25 percent of the tax on personal income. Taxes are the largest expense they have, and they want the best advice they can get on how to reduce that burden. The tax preparer’s fee is even tax-deductible!

     

    (Continued on page 148 of The Wealthy Spirit)

    Today’s Affirmation: “I happily pay my fair share to help my government run efficiently and effectively.”

    Marc Weiss recently gave a great talk at a WRS (www.worthwhilereferralsources.com) meeting I attended, and I invited him to share some of his information with you here on my blog. Although you may love your work like I do and not necessarily want to retire, you will want to have a retirement account regardless. It feels good when you have savings and investments! You attract more money when you feel rich and prosperous and secure.

    Breaking Down Your Retirement

    By Marc H. Weiss

    Archer Weiss Insurance & Financial Services, Inc.

    http://archerweiss.com/retire-safe-and-tax-free.cfm

    Telephone: (818) 346-3700

    marc@aicsocal.com

    Saving for retirement is often a daunting task.

    Sometimes though, breaking big, complex issues – such as saving for retirement – down into more manageable pieces can make all the difference in the world. Here are three basic questions to ask yourself when it comes to your retirement savings. While these are far from the only questions you’ll need to focus on in order to achieve a successful retirement, if you know these answers you’ll have a definite head start.

    Question #1 – Am I contributing enough to my retirement accounts?

    Retirement accounts, as the name implies, are great places to save money for retirement. The tax-favored nature of these accounts often helps individuals to accumulate far more value than would have been achieved in a taxable account. If you are working and have earned income, you’re most likely able to contribute to some type of retirement account – something you should seriously consider. Making even small contributions consistently over time can add up to big savings down the road.

    Am I contributing to the right type of retirement account?

    Depending on your age, your income and your employer, you may have access to a variety of retirement account options.  For instance, let’s say you are 50 years old and make $100,000 per year and your employer offers a 401(k) option. In this case, you’d have a number of choices on where to save for retirement on a tax-favored basis.

    You could defer a portion of your salary into your 401(k), you could contribute to an IRA or you could contribute to a Roth IRA – in fact, you could even have some combination of all three. What’s the best place? That depends on a number of factors (beyond just your age and income), and is a decision that is best reviewed with a CPA or financial advisor who has specialized knowledge in this area and has a keen understanding of your current financial situation and long-term goals.

    Do I have a plan for taking money out of my retirement accounts?

    In determining how long your money will last, it’s not just the size of your accounts that matter; it’s the way you distribute the funds from those accounts. Distributions from some accounts, such as a Roth IRA, may be tax-free, while distributions from other types of accounts, such as 401(k)s or IRAs, may trigger significant amounts of income tax.  Determining just how much to take from each account and when to take it can play a major role in helping you achieve your financial objectives.

    Marc H. Weiss

    Archer Weiss Insurance & Financial Services, Inc.

    http://archerweiss.com/retire-safe-and-tax-free.cfm

    Telephone: (818) 346-3700

    marc@aicsocal.com

    Taxes

    Posted on May 27th, 2011 in The Wealthy Spirit by chellie

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

    147-May 27

    “A government that always robs Peter to pay Paul will always have the support of Paul.”—George Gershwin

    One morning, I got up early and went to a networking breakfast. The sun was shining, business was good, and the people at the meeting were fun. I was in a great mood as I sat down with my plate full of bagels, eggs, fruit and cereal. The gentleman who sat next to me, though, was clearly not in the same frame of mind.

    “I can’t believe how much money I have to pay in taxes,” he complained. “I had to write such a big check to the IRS this week, it’s obscene. And what the government does with the money is even worse! I can’t stand the fact that I’m paying for the industrial military complex, the stupid politicians, the no-good people who aren’t working but collecting welfare…” On and on he railed.

    Oh, no! I had inadvertently sat next to one of the “Ain’t It Awful” people. I put up my mental shield so that I wouldn’t take in the negative energy, and waited for him to wind down a little. I could tell he was upset and needed to vent, so saying anything but “Hmm” was useless at the moment. Until he was done, he wasn’t going to be able to hear anything I said.

    Finally, he seemed about finished with his list of government entities that shouldn’t get his money, so I looked up at him, smiled and said, “Oh, none of my money goes there.”

    “What do you mean?” he asked, scowling.

    “Well, my tax money goes to all the good things, like the libraries and the schools. It fixes the roads, pays for policemen to keep me safe and firemen to rescue me if I need it. It goes to pay for the space program, which I really like, and to the relief organizations to feed the poor and starving. It goes to the welfare recipients who really need some assistance briefly and then go back to leading productive lives. I like how the government helps people with my money.”

    “But you don’t know your money goes there!” he argued.

    “You don’t know your money goes to those other things either,” I replied. “But I’m happy and you’re not.”

    He stared at me and I smiled. Then we both started laughing and had a lovely breakfast after that.

    Maintain your positive outlook in the face of other’s negativity and you will stay happy. Who knows? They may decide to join you!

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

    I divide the world into three groups: Dolphins (glad), Sharks (bad), and Tuna (sad or mad). A friend just forwarded me a fabulous take one of her friends wrote on this subject:

    Are you a shark, a dolphin, or a tuna?

    What a great question… After way too much thought I have concluded that I
    am none of the above.

    I am a LOBSTER

    I am protected by a hard shell on the outside, but am really soft on the
    inside.  And what is inside me is highly valued by humanity.

    In order to grow, i periodically shed my hard exterior, allowing me to
    become vulnerable from time to time.

    I am expensive.

    I am resilient.

    I am a fighter.

    I am a seductress.

    When I want someone or something, I am determined and I go after it.

    When i make love I am tender, and become vulnerable and unguarded, and allow my mate to see what is beneath my hardened exterior.

    I do not slow down or weaken with age, but improve.

    I am a loner, but when I am in groups I show hierarchy and dominance.

    I move slowly and thoughtfully through life, but have the skills to artfully
    retreat when threatened.

    I am not the most intellectual, but am clever when i need to be, and have
    been known to get myself out of sticky situations.

    My core is perfectly balanced and symmetrical except for the part of me that
    is my deadly defensive mechanism, (my claws).

    I love that J Can you think of another sea creature that perfectly describes you?

    The Leopard Comforter

    Posted on May 26th, 2011 in The Wealthy Spirit by chellie

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

    146-May 26

    “If you think you’re too small to be effective, you’ve never been in bed with a mosquito.”—Anita Roddick

    There was a beautiful animal print comforter with matching sheets and pillow shams that I had my heart set on. To buy the complete set was expensive, however, and I was saving for it, hoping that it would go on sale. Finally, the department store was having a white sale, and although this particular bed set wasn’t in the catalogue, I hurried down to the store to check on it.

    There it was! One of the showroom beds had been made up with my comforter set: comforter, dust ruffle, satin sheets, shams and throw pillows all in beige, brown and black leopard designs. It was beautiful! Excited, I eagerly rushed to the cashier’s stand and asked the woman if it was on sale. Her attitude stopped me cold. Never looking at me and moving very slowly, she sighed and picked up the sales catalogue. “No, it doesn’t look like this one’s on sale. Sorry.” And she turned away.

    Hopes diminished but not dashed, I went back to look longingly at the beautiful bed set and thought about what I could do to get it to be on sale. The saleswoman I had talked to was clearly not interested in helping me. She was one of those people I call “bench warmers”—there to put in the hours required, doing as little as possible while they are there. They don’t care about their work or you. I knew I needed a different kind of salesperson. Did one exist in this store?

    (Continued on page 146 of The Wealthy Spirit)

    Today’s Affirmation: “I buy my perfect treasures at perfect prices!”

    I held on to that beautiful comforter for many years. It’s tough to let go of things you love that also have a history.

    But it’s gotten rather dingy and worn, and I started thinking about a new one. My roommate, Shelley, had gotten a quilt hand-made for her by a lovely woman named Kerry in Temecula a year ago, and I thought maybe I’d get one made for me.

    So on our last trip to Pechanga, we once again went to visit Old Town and look in the antique stores and have lunch. So we naturally stopped by the quilt shop, and there was Kerry, bright-faced and smiling. Behind her on the wall was a gorgeous quilt in black and white with gold and brown accents featuring birds. I just loved it!

    Now this quilting store is for hobbyists, they don’t usually make quilts for people, but Shelley had talked Kerry into it for hers, so I pointed at the quilt on the wall and said, “Would you make that one for me?” She grinned and said, “Yes, of course,” and we happily browsed through the store, gathering materials for my quilt, plus two shams and a pillow to match. She agreed to get back to me with the pricing and we went off to Pechanga.

    She called the next day, said she had made a mock-up of the quilt (because I needed a larger one) than the sample), gave me a price and invited us back to look it over, approve the design, and give her a deposit. On our way out of town, we stopped by to look at her beautiful mock-up and she threw in the shams and pillow as a gift. I was delighted!

    Now, I just have to wait for her to finish it – I can’t wait! (You know how I believe in having a lot of “I can hardly waits” to look forward to in your life).  I also have a great excuse to go back to Pechanga, too, and I can hardly wait for that. And July 1st is the Ladies event at the World Series of Poker in Vegas…

    Life can be an endless series of “I can hardly waits” if you plan it right.

    Whose Advice Are You Taking?

    Posted on May 25th, 2011 in The Wealthy Spirit by chellie

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

    145-May 25

    “If I wanted to become a tramp, I would seek information and advice from the most successful tramp I could find. If I wanted to become a failure, I would seek advice from people who have never succeeded. If I wanted to succeed in all things, I would look around me for those who are succeeding, and do as they have done.”—Joseph Marshall Wade

    Jeff, a music producer enrolled in my workshop, was working on pricing his services. He had a strong feeling that he was undercharging his clients, and that he could improve his profitability significantly by raising his rates. I asked him what amount of money felt right to him when he said, “I charge ____ dollars per hour.” We tried out a couple of different figures, but $75 per hour was what his gut feeling told him was appropriate. This was significantly more money than he was currently charging, and he was nervous about asking for it.

    Afraid of losing business if his price was too high, he needed to do market research in order to find out what other people in his business were charging for the same services. He came back to class the next week and said that based on his research, $75 was too high, and he should only charge $50 per hour. He seemed resigned about it, not as excited and happy as he had been about $75 per hour.

    This didn’t feel right to me. I asked him who he had contacted about pricing—was he talking to people who owned successful recording studios or people who were struggling? I saw a wave of understanding wash over his face as he thought back to the people he had talked to—they were all people he knew who were struggling!

    (Continued on page 145 of The Wealthy Spirit)

    Today’s Affirmation: “I am successful and earning more and more money every day!”

    Here’s a wonderful story posted on Facebook by one of my Dolphin Graduates, Jack Molisani:

    Over the weekend I passed a booth in front of my local Vons grocery store selling raffle tickets to raise money for prostate cancer research. I know someone who is a prostate cancer survivor, so I gave them a $20 and got a bunch of tickets.

    They just called–I won a food gift basket!

    But then I thought, “Boy, I bet a food bank could use this food more than I can.” The store manager said a food bank does come in every morning to pick up day-old bread, so I said please give it to them.

    He thanked me and went to check my name off the list and said, “Mr. Molisani, you actually won TWO gift baskets–the only person to do so!”

    Amongst the other baskets was a smaller one with gardening stuff (petting soil, seed, etc.), so I took that one for myself.

    BOY, you just gotta love karma!

    P.S. Thanks, Chellie Campbell–Thi8s morning I did my “Today is a big money day!” affirmation, and it was! :-D

    Dolphin Play by Gayle Etcheverry

    Pick Your Price

    Posted on May 24th, 2011 in The Wealthy Spirit by chellie

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

    144-May 24

    “Certainly there are things in life that money can’t buy, but did you ever try buying them without any money?”—Ogden Nash

    Whether you work for yourself and have many clients who pay you, or you have one major client (i.e., you have a full-time job), you have to decide on the price you want to be paid and feel comfortable asking for the money before you can get it.

    Make sure you understand the value of what you’re doing for your customer. My dad gave me a great tip when I first started job hunting. He said to me, “The main thing to understand is that anywhere you go to interview for a job, the person behind the desk has only one thought on his mind: How are you going to make him money?” It’s like the old sales motto that every potential customer has one thing on his mind—WIIFM (What’s In It For Me). When you are able to show your boss or client that you are providing the exact products or services that they need and want, they will be happy to pay you what you ask.

    (Continued on page 144 of The Wealthy Spirit)

    Today’s Affirmation: “I love to ask for money!”

    Last week, in the third class of my Financial Stress Reduction 8-week series, we were talking about budgeting and pricing.

    “How do you decide what to charge?” the participants asked. “How do you know what is too much? Or too little? How do we know what the market will bear?”

    Here’s my guide for pricing:

    1. Find out what others in your profession are charging. Get the top figure and the lowest figure. Then pick a price that is in the “high middle” of that range – studies have shown that to be the most popular price point with most people. They don’t want the most expensive because they want to be “smart money managers” and they don’t want the cheapest because they want to get good value. In the high middle, they figure they’re getting good quality at a reasonable price.
    2. Figure out what you should charge based on your budget. Prepare a monthly budget outlining all your personal expenses, plus savings, taxes, etc. Then do a budget of your business expenses. The total of all your business plus personal expenses is what you need to earn each month.
    3. Do the math. How many people do you need to serve at what price to make the money you want? If you need to make $8,000 per month, you can have 8 clients at $1,000 or 16 clients at $500, or sell 8,000 $1 items or 1,000 $8 items.

     

    Guestimate. Start with a number and see how it goes. You can always sell additional qualtities to make more money, or raise your prices. When I started my workshops back in 1990, I only charged $200 for the first one. I just made that number up with no evidence or research to support it. But it was successful, so I upped my price the next time – to $350. Then I met a man who taught workshops for $650, and another for $800. So I raised my price to match what I saw others were charging.

    After that, I looked at the results people were getting from taking my workshop, like the woman who closed a $7 million deal a year and a half afterward. That encourages me that whatever I charge under $7 million is a bargain!

    Get the picture? You’re worth more than you think!

    Tunas Can Learn

    Posted on May 23rd, 2011 in The Wealthy Spirit by chellie

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

    143-May 23

    “The closest to perfection a person ever comes is when he fills out a job application form.”—Stanley J. Randall

    I learned a lot from Jennifer Martin, a fun-loving, free-spirited woman from England who worked as an account executive at the employment agency where I was the office manager. Jennifer was in sales, matching prospective employees with prospective employers and receiving a commission from the fee paid to the company for this service. She had fun, she stood her ground, she made a lot of money, and she wasn’t afraid to tell you the truth, even when it hurt. My meek little co-dependent soul lapped up her lessons in self-esteem.

    Grumbling about the state of my finances, one day I said to her, “I’m not making enough money. I’m going to ask for a raise!” “Is that right?” she said. A chill went through me and I spilled my coffee. You see, Jennifer only said “Is that right?” whenever someone said something particularly stupid. As I stood there fumbling in my mind, trying to figure out where I went wrong, she decided to help me out.

    “What makes you think you deserve a raise?” she inquired. I didn’t know what she meant. “Well, I’ve been here a year now,” I replied, to which she answered, “So what? Just warming the seat for a year isn’t worth anything.” I was shocked. She was my friend! How could she say that?

    As I stared at her with my mouth open, she smiled. “Come with me” she said, and sat me down and gave me some lessons in selling. She explained that asking for a raise was like a sale. I had to convince the buyer—my boss—of the benefit to him of paying me more money. And I needed to back up my request with proof of my value to the company. I needed to document my accomplishments and show how much work I did above and beyond my original job description. I should stress my commitment to the company and that I would continue to grow and improve in my job. A cost comparison of what salaries were paid other people in similar positions would help to make my case as would any accomplishments of mine that had helped save the company money.

    What an eye-opening experience and valuable training that conversation was. I took her advice, did my homework, prepared my presentation—and got the raise.

    So are you warming the seat or are you making a valuable contribution? Prove it.

    Today’s Affirmation: “I am paid very handsomely because I’m worth it!”

    Jennifer and I stayed friends over the years, through different careers and life’s ups and downs. At one point she went back to school to become a nurse – a lifelong dream that she had started once in England but given up. While she was studying, she worked for my bookkeeping service for a time. When she got her nursing degree, she started traveling the country taking different jobs in a variety of locations, and enjoyed the adventure of living in different cities. Eventually, we lost touch with each other, and years passed with no word.

    Then came the internet and google, and I tried finding her, but there were too many Jennifer Martins – one directory listed 3254 of them – and I gave up. But then Facebook came into vogue, and one day earlier this year, she found me and sent a friend request! (I think they should have a “renew old friendship” request.) I was delighted to find my old friend again, who now lives on the East Coast but is still happily nursing people back to health. She loves her job as I love mine, and we are both happy campers.

    I often think of the old song “Make new friends, but keep the old, one is silver and the other is gold.” Jennifer is definitely a gold.

    Treasure your friendships – that is the real gold on this Planet Earth. Reach out and touch someone today!

    You Already Own Your Own Business

    Posted on May 22nd, 2011 in The Wealthy Spirit by chellie

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

    142-May 22

    “Don’t be afraid to try something new. An amateur built the ark. Professionals built the Titanic.”—Unknown

    If you’ve ever thought of going into your own business, I have exciting news for you. You already own your own business.

    You may only have one client, a company that pays you a salary. You negotiated your “contract,” you determined your salary by agreeing to it, and you bargain for increased fees and reimbursement of expenses with every review. You provide services for a fee to a client. You may have another client or two if you moonlight in a second job.

    Like any business owner, it is important that you constantly update your skills so that you stay the most valuable supplier of services to your biggest client. Customer service should be your top priority. How can you make your client more profitable, more efficient, more productive? What can you do to make business run faster, cheaper, better? Do you bring better, newer ideas to company meetings? Is the client getting great value for the money they are paying you? Are you fun to work with?

    As you add more value to your client’s business, you will be able to ask for more value for your own. And you’ll get it, too—from this client or a new one!

    Today’s Affirmation: “I run the successful and profitable company of Me, Inc.!”

    The Spider at the Gate

    Each night, the little spider at my front gate works busily, weaving his web to catch his morning breakfast. He is diligent and hard-working, he studied design and construction, and he makes a fine web.

    But very morning, I break his web apart as I pass through to collect my morning newspaper. I’m sure the spider sees the destruction and whines, “Why does this always happen to me? I work as hard as any other spider I know. I’m so unlucky! It’s not fair!”

    The spider in at my gate isn’t unlucky – he has just chosen the wrong location for his business. Apparently, he didn’t have the advice of a good real estate agent who could have told him the three most important rules: Location, location, location!

    Other spiders chose the right real estate, but then just sit there and chant, “I’m catching lots of flies, I’m catching lots of flies…” But they don’t build a web to catch them, so all the flies just zoom on by. Then they complain, “Those silly affirmations never work!”

    Like spiders, we all have blind spots that keep us from attaining our goals, from having all the clients we want, and from making all the money we desire. We need teachers, mentors, and trainers to help us see the holes in our programs, devise the remedies to fix them, and practice our new choices until they become our new habits.

    We know we need to learn, but we resist. “It costs too much!” we complain. “It takes too long!” “I’m too overwhelmed, it’s too far to drive, I have small children, my parents need help…” And we sit by our webs in the wrong location or chant affirmations without any web and wonder why we don’t have any money or why our dreams haven’t come true.

    Get into a workshop! Sign up for a class! Hire a coach, join a mastermind group, get into therapy. Buy books on sales, marketing, self-esteem, metaphysics, personal empowerment. Take some action to learn something new so you can get new results. Help is all around you – reach out and take it! Invest your time, invest your money, and you will reap the rewards you crave. You invested time and money in learning the skills of your profession, didn’t you? You didn’t make it up from scratch. So invest some time and money in learning how to apply them so that your business is successful. You deserve it!