Risk Adjusted Return – Compare Mutual Funds on a Common Basis

Risk Adjusted Return – Compare Mutual Funds on a Common Basis

Risk-adjusted return provides a simple means of comparing similar mutual funds on a common basis. As similar mutual funds usually are not equivalent in terms of risk, simply comparing their average returns is not a valid means of selecting the best mutual fund.

Similar mutual funds are those that are in the same category or asset class. In other words, compare large cap value to large cap value, technology to technology, emerging markets to emerging markets and so on. It’s important to understand that using risk-adjusted returns to compare mutual funds in different categories may be interesting, and useful in getting a feel for the relative risk of different asset classes, but it’s not a valid means of selecting mutual funds, as mutual funds in different asset classes are not alternative investments, they are complementary investments in a well-diversified portfolio.

The Sharpe ratio has long been used as a risk-to-return performance measure. The Sharpe ratio is computed by dividing the average excess return by the standard deviation of excess returns, where excess return is the actual return less the average T-Bill rate for the same period. The result is a measure of excess return per unit of risk. This is a very significant and useful statistic but it is not particularly intuitive to the average investor, who is accustomed to thinking in terms of actual returns. The Sharpe ratio is the best purely quantitative measure for comparing mutual funds, but for most investors, comparing risk-adjusted returns is a necessary step in the process, as it makes the comparison in terms with which they are familiar.

Modigliani and Modigliani recognized that average investors did not find the Sharpe ratio intuitive and addressed this shortcoming by multiplying the Sharpe ratio by the standard deviation of the excess returns on a broad market index, such as the S&P 500 or the Wilshire 5000, for the same time period. This yields the risk-adjusted excess return. This, too, is a significant and useful statistic, as it measures the return in excess of the risk-free rate, which is the basis from which all risky investments should be measured. However, this still falls a bit short of being truly intuitive to the average investor, and excess returns are not part of the mutual fund data that is ordinarily published.

To produce a number that is intuitive and significant to the average investor, actual average return should be divided by the standard deviation of actual returns and the result then multiplied by the standard deviation of the actual returns of a relevant index for the same period of time. (A broad market index can be used in lieu of an index that is representative of the category but the result will be less relevant.) The result is a risk-adjusted return that is derived from and relates directly to published returns and is thus a more intuitive measure for the average investor. A mutual fund’s risk-adjusted return is what a fund would have returned if its level of risk, as measured by the standard deviation of returns, was the same as that of the benchmark index.

Not much is lost by computing risk-adjusted returns in this manner and the result is much more useful to the general public. What is lost is the measure of excess returns, but that isn’t the objective of computing risk-adjusted returns. Rather, the objective is to compare mutual funds on a relative basis in terms that are meaningful to the average investor. As long as the funds that are being compared are similar in nature and their returns cover the same period of time, using the risk-adjusted return for comparing mutual funds is reasonably reliable basis for selection that will lead you to the same selection as the Sharpe ratio more often than not. However, as the possibility of a sub-optimal selection exists, it’s best to use go one more step with the quantitative analysis.

The final quantitative step in the comparison should be the use of the Sharpe ratio, which is an absolute measure of risk-to-return that is widely published and therefore doesn’t need to be calculated. The fund with the highest Sharpe ratio should be selected and usually this will be the fund with the highest risk-adjusted return. Mathematically, computing the risk-adjusted return from actual returns is not as reliable for identifying the best mutual fund but it’s not as abstract as the Sharpe ratio.

Using risk-adjusted returns to gain an understanding of the relative performance of mutual funds then validating the comparison with the Sharpe ratio is a good strategy for the average investor for comparing mutual funds.

Risk Adjusted Return – Compare Mutual Funds on a Common Basis

Risk Adjusted Return - Compare Mutual Funds on a Common Basis

See Comparing Mutual Funds with Key Statistics for a detailed discussion of the use of risk-adjusted returns and other key statistics for comparing mutual funds at Your Complete Guide to Investing in Mutual Funds.

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Want to make your positive affirmations pop to life? Want your dreams to come true? There is one secret that can help you.

Practicing positive affirmations on a regular basis can help you attain what you want in life, but there are a couple of techniques that you can employ to really make your use of affirmations much more effective. But, there is one technique that stands above the rest. We’ll get to that technique in just a bit.

First, try to do the affirmations that you have chosen on a regular basis. If you can do positive affirmations on a daily basis they will begin to embed themselves into your psyche. Repetition then is one key to making your affirmations more effective.

Another is the way the affirmations themselves are phrased. There are a couple of effective methods. One is to phrase them in the present tense. For instance, “I am getting more confident every day.”

However, with this method you want to make sure the affirmation is not too unrealistic. In other words you don’t want to repeat, “I am a millionaire” when you aren’t. Your conscious mind might come back with “yeah right who are you kidding.” This could render these affirmations useless. So, make them believable and say something to the effect that you are on the way to getting there. Like, “I am attracting a million dollars into my life,” or “I do what it takes to become a millionaire.”

Another technique is called the question or afformation method. Afformation refers to the way the affirmation is formed hence the term affomation. Simply phrase the affirmation as a question and your mind, both conscious and unconscious will try to to find a way to make it become a reality.

For example, the phrase, “Why do I have so many lucrative opportunities come my way?” This question should cause you to start seeing more and more opportunities flow into your life. Or how about, “Why am I getting more and more attractive?” Not only will your mind attempt to answer the questions but you should also find that it may prompt you to do things to prove the questions true. Within that statement lies the heart of the 1 secret to making your affirmations come to life that I was talking about earlier. We’ll get to that in a second.

You also want to inject emotion when you are doing your affirmations. If you can incorporate an element of emotion into the positive affirmations themselves they will become much more powerful and beneficial. How do you inject emotion into your daily routine?

Prior to doing your daily affirmations put yourself into a positive emotional state. Relax and think back to a time when you were happy or had accomplished something great. Get into that powerful positive state and then start your affirmations. Transfer those emotionally charged feelings of success to the affirmation process. This will give you increased confidence that you can accomplish or achieve whatever it is you dream of or desire.

To recap.

1.Do your affirmations on a daily basis, even at the same time if you can.

2.Phrase them in a believable manner.

3.Transfer powerful positive emotion to the process.

But what is the one secret to really make your affirmations pop to life?

It’s simple but often overlooked. You need to take action on what you are affirming. Just take action. Taking action on what you want to attact or accomplish is simply being proactive. You can let the universe do its thing as you send out your powerful desires and wishes while you sit back and let the vibrations manifest. But, what if the universe decides to take awhile? Or a long while? Why not greatly multiply your chances of success for realizing your dreams by actually taking action on what you want to attract?

For instance, say you’re affirming that you are becoming more attractive everyday. That act in and of itself could get you to feel better about yourself and radiate more confidence which in turn will make you more attractive to others. But, why not speed up the process by exercising, eating healthier foods, taking care of your grooming, hair, teeth, etc.? Then your inner confidence will soar as your outer appearance changes for the better. This cycle will feed on itself creating a positive loop of power as your affirmations not only leave you feeling good but actually spur you to take actions to change your life for the better.

And, again you can actually incorporate that philosophy of taking action into the affirmations. For example, here are several that use the philosophy of taking action.

1.I make it a habit to research different ways to make money.

2.How can I make more money?

3.What can I do to make my job more interesting?

4.I eat healthy foods everyday.

To sum up, make it a habit to take an action everyday on what you affirm and you could soon see your affirmations pop to life!

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Positive Daily Affirmations are so vital to the sustainment of a positive mental attitude. Wise men know that their attitude is the compass that guides them because they understand emotional intelligence. Our emotions come from the thoughts that we have stored in our subconscious memory programs.

If this is so then positive daily affirmations would slowly but surely transform the spiritual heart into that which it is affirming on a daily basis. Like I said in words of affirmation, through teachings in school we have been conditioned to create problems for ourselves. This can be reversed if we fill our minds with abundant affirmations, peace affirmations, health affirmations and wealth affirmations.

The mind is like a garden and whatever you plant in it will grow. It is important that you plant seeds in a orderly fashion because you don’t want your plants to grow disorderly. Renew your minds daily with positive daily affirmations until it becomes implicit to think wealthy thoughts. Make it an implicit positive daily affirmation of peace and love. Just harmonize the word love in the back of your mind at feel how your body responds to the word love resonating in your spirit.

This is the power of affirmations on a highly emotional level. Whatever you believe to be is to be with all your heart mind and soul. The problem is people are a sleep at the wheel in their vehicle. We let our minds gain control over our consciousness and we fail to affirm daily positive affirmations. Take the time to look yourself in the mirror and speak into your existence.

List of Affirmations

I am at peace with being myself

I am grateful to be alive

I am that I will to be

I am a powerful conscious being

I am attracting abundance in my life

I have the power to change my life with my thoughts

I always seem to find the answers to my question

I am living a life full of joy and fun

I have all the reasons in the world to be glad to be alive

I always expect to get checks mailed to me

I see my self in so much wealth

I am a healthy being

I love positive daily affirmations

I love words of affirmations

I love abundance and financial freedom

My mind is powerful and powerful is my mind

I always get great ideas to come to me

I love my family and my family loves me

I am grateful to be alive

I am thankful for my heart beating with out me thinking about it

I can create a new mind for my self

I am not bound by the genes of my parents

I can create my own reality

I have free will to choose my desires in my life

I can choose my thoughts wisely

I can conquer my self

I can master my own emotions

My brain is the most amazing thing in my existence

I have GOD in me.

I have all the power in me I need.

I have the ability to renew my mind daily

I am a product of wealth and abundance

I attract money easily without even trying

Miracles happen to me everyday

I can create my day every day

I will create no problems for myself

Positive daily affirmations can change paradigms and belief systems. It can challenge any doubt or inferior thoughts with truth and conquer it with love and grace. Be ye transformed by the renewing of your mind. Renew your mind daily by positively affirming your presence in consciousness. You can write into your dna whatever internal dialogue you paint on your insides. You actually are daily affirming something rather good or bad rather you know it or not everyday.

If you wake up and affirm your miserable job you are hardwiring your brain to experience more of the same miserable job everyday day in day out. If you have bills due and its the first thing on your mind when you wake and the last when you fall asleep you are affirming debt. If you think people are taking advantage of you everyday you are affirming the victim mentality. Like Henry ford said, “Rather you think you can or you think you can’t, your right.” Whatever you affirm is hardwired in your brain and the pattern can fire automatically. It has become an automatic function to respond however you have trained yourself to respond subconsciously.

Positive daily affirmations should be held in the mind at some degree almost consistently. You have to train your body and your mind by positive daily affirmations to be aligned with right action. If you want increase in your life you cannot affirm thoughts of lack, want and decrease. You have to move forward in your mind. You can only perceive what your brain is organized to tell you. Organize your brain with positive daily affirmations until it becomes a part of you. This is a world of abundance and the universe is expanding. More gold can be minded out of the ground. More creations can be created. More ideas can be born. More life can be expressed when we have affirmed more love.

You go from thinking like a millionaire on a regular basis to doing the things millionaires do to being a millionaire and it is done with the power of the winning millionaire mind.

http://www.winningmillionaire.com/

Millionaire affirmations are energy fields, that permeates and penetrates the cells of your body and attract money, money, and more money the more you affirm millionaire thinking. http://www.millionaireaffirmations.com/

The New Age Thinking regarding the use of affirmations can be somewhat frivolous. The idea that you can simply think about or affirm what you want and then get it is decidedly absurd. Yet, there is no doubt that thinking is a formative force in the materialization and fabrication of our world view and the conditioned circumstances in which we exist. How we view the world, and ourselves, as we are in and of the world, determines how we act which in turn results in effects. Our current situation–all the conditions of our present life and the various contexts in which we find ourselves, is a direct result of our past, specifically how we have used language in describing ourselves, our capacities, abilities and goals all of which is a precursor for behavior which, again, is causative meaning it brings about effects.

Language is not only our tool for communication. It is also our tool for thought. We think in words as well as mental pictures. But, language is a rather crude instrument. In English, with a mere 26 letters, we codify and represent all our experience…and communicate that experience, as best we can, with language. How can 26 letters encompass not just decades but ages upon ages of experience?

Language is tricky…it’s not always easy to understand the true meaning of a word or phrase. For example “love” has many different shades of meaning. When we say we love that new restaurant down the street, is that the same as when we say we love our mother? And when we are told that we should love ourselves, what kind of love do we apply? The kind of love we have towards our pet? Our sibling? One of the most common New Age Affirmations is something along the lines of “I love myself.” What does that mean? Really? Do we love ourselves the way we love our spouse? The way we love our neighbor? We don’t do those very well, so how could we possible love ourselves any better?

Because thought, which uses language, is a formative force. Affirmations are important. What we say to ourselves, and how we say it, does have an impact upon our mind, our body and our behavior…which, being causative, brings about effects. It behooves us to consider the positive and accurate use of affirmations as part of mental health hygiene. Just as you brush your teeth twice a day, so taking a few minutes to use language and thought in such a purposeful way that the mind is imprinted with positive impressions, is healthy. And, just as toothbrushes come in different styles and choosing one that works well is a consideration, so too designing an effective and accurate affirmation takes some meditation.

There are some basic guidelines to the proper use of affirmations: relatively short, first person singular, realistic, and yet not necessarily a present reality, vividness and kinaesthetic intensity, which is feeling. An affirmation is generally no longer than a few sentences and mostly just one simple sentence. The most common beginning of the sentence is “I am” and this is actually a very good affirmation to start with. After you brush your teeth, look in the mirror and say to yourself “I am.” After you’ve done that for a couple of months consistently, you can add on to it. For example, “I Am Healthy.” Of course, exactly what “healthy” consists of is not detailed, nor should it be. The word “healthy” is associated with dozens, if not hundreds, of other words, phrases, images and feelings. It’s those associations that gives that word its meanings. As you say “I am healthy” the subconscious mind automatically conjures images of what that means. As you repeat that affirmation as if it is a mantra, the images and feelings become intensified. But, you ask, what if I am not healthy, as many people in fact are not. You can still affirm this statement. It is not a hope or a want, it can be a statement of fact…even though it may currently be a lie.

Many of the beliefs and world views we hold today were built up through repetitive use of affirmations…simple sentences…which were, at the time, untruths. But, having repeated them so often, in first person singular, with vividness and feeling, these simple statements which were not at the time realities, became so. For example, a child growing up and learning language might imitate their parent who might often say “I’m such a klutz.” The child begins to imitatively repeat this affirmation and, although not a reality at the time, can easily become one.

To affirm something in the present which is not currently a reality is not a lie. It is simply a conflict. The subjective reality of the affirmative statement, coupled with vividness and feeling, is in conflict with the objective reality of consensual agreement. As the new affirmative statements are repeated the conflict increases. During this period of conflict there may be very strong thoughts attempting to convince one that the objective consensual reality is “the truth.” By continuing on with daily affirmative statements the creative subconscious mind begins to work towards conflict resolution. One of the two “realities” must be dissolved. There is tremendous force and momentum behind the objective consensual reality. Yet with simple persistence, the new subjective affirmative reality which was in conflict with the objective consensual reality begins to take dominance. The objective consensual reality’s basis, which is nothing other than established internal, subjective, affirmative statements becomes less rigid…it begins to crack. It becomes subordinate, and diminishes, and eventually dissolves away. Objective indications of the new affirmative position begins to be noticed in the world of consensual agreement…a new personal reality begins to emerge which is also substantiated by growing objective consensual agreements.

So, you may currently be very unhealthy. That does not matter. You can still affirm “I Am Healthy.” Be warned however, that as the weeks and months pass, as the conflict between the objective consensual reality and the newly forming subjective affirmative statements increases, there may be tendencies to prove to yourself that you are unhealthy. These tendencies need not be acted upon and, like storm moving through the region, they too pass; and then you may find yourself engaging in behaviors which are more aligned with the newly forming subjective reality of being healthy. What these new behaviors are will vary from individual to individual. There is no prescription as to diet, exercise, etc. The behaviors arise from the subconscious mind which is now accepting the newly forming reality. Although some may argue that you must affirm specifics, this writer believes the more generic, the greater the chance of allowing the creative subconscious mind to organize and formulate the necessary components of that reality without undue influence from the conditioned conscious mind.

There are a number of simple, generic affirmations that can be practiced. For example, “I am competent,” “I am efficient,” I am relaxed,” are some very simple affirmative statements that if practiced regularly can impact the subconscious mind in such a way as to bring about behaviors that are in alignment with that affirmation. Here is a longer affirmation that can be useful to repeat upon awakening in the morning and upon retiring in the evening: “I am a unique person, wonderful in many ways. I am gifted with the freedom to make choices and the means to act. I live in a world of possibilities and respond with intelligence. I am alert to what is happening around me. I can communicate. I am able to reason and I can learn. I will often remember…I am a unique person, wonderful in many ways.”

Few would argue the formative power of thought. Every single tool in our culture, from a simple hammer to space shuttles was first a thought in the mind. And clearly language plays a critically important role in thinking. Sometimes crafting an appropriate and accurate affirmative statement requires some assistance by a psychological wordsmither. If you would like help in designing an individualized affirmation specific to your personal and private issues, you are welcome to contact me via my website at http://www.openmindcounseling.com . Also, at the bottom of the home page is an invitation to receive a free copy (.pdf file) of James Allen’s timeless self-improvement classic As A Man Thinketh.

Ken Fields is a nationally certified licensed mental health counselor. With over 25 years in the mental health field, he has worked as as an individual and family therapist throughout school districts and within communities, a crisis intervention counselor, a clinical supervisor and an administrator in a human service agency. He has taught classes in meditation, visualization, goal setting, self-image psychology, anger and stress management, negotiation, mediation and communication, crisis intervention, and parenting. Mr. Fields specializes in Cognitive Behavior Therapy, Family Systems Therapy and Communication Coaching. As a practicing counseling psychologist, Mr. Fields brings decades of specialized training and applied skills to his work. He now provides quality online counseling and can be found at http://www.openmindcounseling.com and http://www.kasamba.com/ken-fields

You’ve probably heard that saying affirmations over and over again can change your life. Or that viewing your affirmations on a daily basis can create changes. Or you might have cds that play affirmations for you.

But do affirmations really work?

The answer is yes and no.

Let me explain.

The right affirmations, done properly and applied with other techniques can really make a difference. The wrong affirmations, said the wrong way and not applied properly will be completely ineffective and can create disasters in your life.

So just how do you use affirmations in the right way so that you get maximum results?

1. Be aware of how affirmations work

2. Know how to create them

3. Experience them in the deeper levels of your sub-conscious mind

4. Use them for certain time periods and at powerful times

1. AFFIRMATIONS ARE REALLY CONTROLLED THOUGHTS

Thoughts are instructions sent to your subconscious mind. Thoughts repeated regularly become beliefs. After a while you start to believe what you repeatedly think. And, when your beliefs change,

your world changes.

Thoughts create reality. Thoughts are forms of energy. Everything on the physical plane has a spiritual counterpart.

Visible forms of energy, such as money, your clothes, and the car that you drive, once were invisible. They were once thoughts that coalesced into form and density until they materialized on this

physical plane. Everything that exists on the material plane, once existed in the world of thought, in a realm that is infinite and that is not bound by time or space

Thoughts are your hidden allies that you can use to get things to happen.

2. HOW TO CREATE AFFIRMATIONS

Before thoughts can transform into visible forms of energy, they need to be energized in a certain way.

Below are examples of weak affirmations vs. powerful, energized affirmations. See the notes below to understand why they are weak vs. powerful.

Weak Affirmations

A) “I pray that I can get rid of my debt soon”

C) “I will meet the love of my life one day when I least expect it”

Powerful Affirmations

B) “I am thankful for creating huge financial success right now

in an easy and enjoyable manner.”

D) “I know exactly what to do to realize a joyful relationship

with my dream partner and I am thankful for being guided every day.”

Affirmation A — is too vague and is likely to produce vague results at best. Even worse, this affirmation focuses on a negative thing— “debt” and by focusing on debt, you’re likely to actually create more debt in your life. Train yourself to focus your attention on what you want and to avoid thinking about what you

don’t want. Put your energy into happy thoughts.

Affirmation C — is vague and focuses on the future. With this type of affirmation, you are likely to delay producing the relationship you desire since you are essentially telling the universe to give it to you in the future (“I will”) rather than now. You could be waiting a long time.

Affirmation B and D — use the powerful “I am” decree and these words put you in the present (“I am now”) rather than the past or future. When using “I am”, only use positive thoughts; negatives

are best placed in the past. Lastly, these goals are detailed and as such the universe knows clearly what to deliver to you.

3. ENERGIZE YOUR AFFIRMATIONS

Focus on your affirmations throughout the day, especially when you’re in a meditative-type state such as theta.

When your mind quiets down, and you access deeper levels of consciousness your thoughts are more energized and more powerful. When you are in a deep state, such as theta, your sub-conscious mind

is more receptive to commands. It’s especially important that you focus only on want you want and avoid all thoughts about what you do not want. Be keenly aware of your thoughts and only hold those

thoughts that you want to materialize.

Get into the spirit of what you desire. Feel it as if what you desire has already happened. Then, let it go.

Relax and trust that your goal is now in the process of being materialized. Many people have difficulty relaxing because they are filled with doubts. Be aware that by associating heavy emotions,

such as tension and doubt, with your goals, you are making it difficult to materialize your goals.

Achieve your goals faster than you thought possible when you relax and energize your ideas during states of theta.

4. BE AWARE OF THE POWER OF NUMBERS AND POWER TIMES

Don’t allow yourself to be discouraged if nothing seems to happen when you practice affirmations. Reserve judgment. Keep at it. It takes 21 days to break a habit. It takes 40 days to make a new habit

and 90 days to lock it in. From a shamanic perspective, the most powerful times to focus on

your goals and affirmations are at sunrise and sunset.

Humans are plugged into the natural world. We don’t function separately from it. We are deeply connected with it. As such, the earth and the natural rhythms affect us. For example, when the sun goes down, we naturally get sleepy.

At dawn and dusk, our brain waves (rhythms) are closer to theta. Theta corresponds to the world of spirit. And, when we are closer to spirit, we have a stronger effect on the material plane.

Thoughts are invisible forms of energy that live in the world of spirit. When they are energized enough, they materialize on the physical plane.

That doesn’t mean that you only focus on your affirmations during those two times of the day. It means that you take advantage of those times to give your affirmations extra power.

You need to say and feel your affirmations, as explained above, regularly throughout the day.

If you say an affirmation just once or twice a day but for the rest of the day fill your mind with negative thoughts, you’ll eliminate the power of your affirmations.

If you want to get a new job and you say a positive affirmation about finding a new job, but then follow it up with a series of negative thoughts such as “There are no good jobs.” or “Nobody’s hiring during this bad economy…” That kind of attitude will lead to negative results, like not finding a job or finding a job that

you don’t like.

Yes, you can absolutely get affirmations to work if you create the right affirmations, apply them correctly and use techniques to energize them.

A powerful way to energize your affirmations and goals, is to access the deeper levels of your mind. I highly recommend going into theta to energize your affirmations.

You have unlimited powers. You are a remarkable human being.

Create the right affirmations, and direct the power of your subconscious mind to help you create the life you want.

Begin working with the power of your mind and change your reality.

Unlimited Inner Power was founded to empower individuals using basic ancient shamanic techniques, principles and wisdom combined with modern scientific understandings of the powers of the mind. We help you harness your inner power and show you how to use it to achieve success in all areas of life: material, emotional, mental and spiritual.

Although the core of the teachings are based on knowledge that has been passed down by very powerful Native American elders, the teachings are not only Native American; they transcend culture and are universal.

Visit http://UnlimitedInnerPower.com to get a FREE audio that will help you reach deep states of mental and physical relaxation and much more. We promise that you’ll enter a state of altered heightened consciousness (theta) within the first ten minutes of listening. When you sign up, you’ll also receive inspiring articles and stories to help you become more empowered.

If we focus on the thoughts we have during the day, we will be surprised to find out that 90% of them are negative. Every thought we have, any judgment we pass or any word we say is affirmation. Affirmations are directly linked to our subconsciousness. Affirmations are a ‘reprogramming software’ which implants any thought, either positive or negative, onto our minds in the form of a pattern when repeated many times. Our subconscious then implements these pattern into our daily lives either leading to a positive or negative change.

There are two types of affirmations: negative and positive. Negative affirmations are the ones where we think negatively and thus leading our mind to belief that these negative thoughts are true. One example of the effects of negative affirmations can be having a sense of failure before doing anything. On the other hand positive affirmation is linked to positive thinking such as having a feeling ‘I am sure I can do this project’.

Adopt a positive affirmation for a happier and healthier life. The first step is to get rid of negative thoughts, inner-belief and behaviors which lead to unhappiness or depression such as ‘I am so fat’ or ‘I cannot do this piece of work’. These thoughts hold you back from having an ideal life. Your mind is led to believe that these negative thoughts are true. Thus, adopting a positive attitude and giving positive affirmations to yourself is nothing but helpful, and can help you in many more ways than you may, at first, imagine.

The second step to adopting positive affirmations is to stay in present and let go of the past. Don’t think of what you lost yesterday but what you can gain today. It is also important to think not to think of the future. For example, instead of thinking to yourself and saying ‘I will be happy’ try saying ‘I am so happy now’. The positive affirmation should always start with ‘I’ so that your mind can feel that these thoughts are only about you.

The final step to utilizing positive affirmations is to remember that positive affirmations should be repeated over a period of time so that our mind completely accept the thought and start acting accordingly. One factor in this step is patience. We need patience in order to bring about a change in our lives. It might take a month or more depending on our will power for positive affirmation to become effective.

Positive affirmations can be used to change any part of our lives. From our mood to our business, positive affirmation is effective anywhere. One example of positive affirmation can be getting over our anger. Try to think positively first thing in the morning or whenever you feel angry such as ‘I am happy today’ or ‘I have a peace mind right now’. Positive affirmations can be used for getting rid of anger, boosting self-esteem or can even help in weight loss. Some examples of positive affirmation are:

“Every day I am getting stronger and stronger.”

“I love my job”

“I am ready and willing to release the past, now”

“My life is a joy filled with love”

You can choose to consciously think these positive affirmations, or you can take it upon yourself to repeat the positive affirmations to yourself out loud. Saying a positive affirmation with feeling leads our mind to a whole new dimension. Any thought with an emotion attached to it is more effective. Visualizing also helps achieving a better result. But remember basis of any type of affirmation is having positive affirmation. So keep a positive attitude to gain a better life.

Robert Watson is a certified hypnotherapist with the ABH and the NGH, and has worked with affirmations and subliminal messages for over ten years. Visit his Subliminal Messages [http://subliminal.green-machine.info] website for more information about using affirmations and subliminal messages to help you lose weight, quit smoking, have a more positive outlook and more.

Affirmation techniques are becoming much talked about as a route to success. However, for the mainstream of the population, affirmation techniques are still little understood. They are crying out for further investigation.

So, first off, who uses affirmation techniques? Well, successful people, basically.

The methods are not new. Affirmation techniques have been used at least for several hundreds of years, but more likely millennia, by individuals seeking success for themselves and the wider populace. Ironically, decent guides on affirmation techniques are not that easy to come by and some are better than others. In spite of all the hype surrounding affirmation actions, many of us still remain in the dark about the methods employed.

Moreover, it seems that the results of affirmation techniques are still disputed hotly. Some claim they can be empirically proven to work, others say they are complete bunkum. So, who is right? Is there room for dispute?

I, personally, have long been an advocate of affirmation techniques guides because they worked so well for me. I introduced the methods into my everyday life and conversations. I found that my life improved in terms of relationships, personal financial gain and advantages for other people in my personal and business life. So how could I ignore these ideas? I looked into the whole gamut of affirmation techniques in much more detail.

I went from farm hand to president and owner of a very successful private investigations business. And I can truly put it all down to following the right affirmation techniques.

Affirmation techniques have effected enormous changes in many people’s lives which can’t be ignored. That said, a huge swathe of individuals who have used affirmation have found no positive benefit. We should be allowed to question why not. I know it works for me, so what have these people overlooked, or ineffectually implemented, when it comes to affirmation?

Are some people just getting the basics wrong? Is the information wrong? Are the situations we find ourselves in wrong? Or is there an overall view (paradigm) that encompasses the whole symbiosis of affirmation techniques for anyone who cares to buy into this system?

Continual and unabated testing of the various types of method is crucial. Anything short of tried and tested evaluation is spurious, in the least. For sure, benchmark tests may still be banned from the laboratory. Why, I don’t know, but that is our current day situation. Personally, I can only concentrate on anecdotal evidence.

Before I get there, perhaps we could explore what the aim of affirmation actually consists of. The whole picture of affirmation is an elusive one. Confounded, lambasted and derided by many, its true visage and power is yet to be fully appreciated.

To put it at its basic level, affirmation relates a conscious order directed to the subconscious. In the subconscious mind the veracity of conscious thoughts are accepted. Subconscious thoughts then become something natural and are put into effect without any conscious thoughts. In effect, you control the way you are automatically after the initial input via affirmation techniques.

Why is that important? Well, because to influence other people, you must be entirely natural. Otherwise they will pick up that something is wrong, that your behavior is forced. And that is the basis of affirmation techniques. They are positively conscious techniques which become natural and subconscious. However, anything you relate consciously to the subconscious must be regarded by the subconscious as acceptable and entirely believable. If you try and convince the subconscious that you are an operatic diva when in fact you sing like a crow, it just won’t be accepted.

But, and this is a big but, if you tell, or command, your subconscious that you will be a master tenor lead at the Sydney Opera House, you have every possibility of becoming so. For most of us, tension in the conscious mind is a barrier to becoming what we should be. Let us be honest; it really is the truth. We all sing better when alone, in the shower, or wherever. Put us in front of a crowd of spectators and we become tongue-tied and out of tune. But we know we can do it really.

So that’s what affirmation techniques are all about. They are simply a way of convincing ourselves that we are capable of what we could actually do in any case, if it weren’t for our self-consciousness. I know I haven’t ventured into any specific techniques, but let me assure you that they have worked for me. I was terribly self-conscious and self deprecating ten years ago, although I knew I had a good brain and personality. I was earning the minimum wage. Now I run a very successful private investigations bureau.

That is about the best I think I can achieve given my abilities. Other people who have followed affirmation techniques are, or have been, presidents, business magnates and some just much better moms and dads. Affirm, don’t decline.

Timothy Payn has helpful affirmation advice via his blog: http://alternativehealthguideadvice.blogspot.com/2008/03/affirmation-techniques-revealed.html

Positive affirmations can have a very real impact on your life. They are much more than just a phrase that you repeat. Everyone has some familiarity with the idea of affirmations and given the way that they are often put across in pop culture, it isn’t that surprising if you think of them as a little silly.

To put it simply, positive affirmations can give you control over yourself, your life and the world around you.

Affirmations are statements which you repeat to yourself on a consistent basis and can be either positive or negative. When repeated over an extended period of time, they can change the way you see things, the way you feel and even the way you act – all of which can bring about real changes in your life.

Whether or not you think of yourself as someone who uses affirmations, they are something which have been around you for your entire life. Even your parents and other people who were around you in your youth use a form of affirmations to affect the way you act.

Even if you don’t realize it, affirmations come to you in the form of messages (verbal or non-verbal) from relatives and friends while you grew up. Eventually, you may have come to internalize these messages until they became part of your behavior and your point of view.

For example, if your parents or other people often told you that you weren’t smart when you were young, you could have come to internalize this message in the form of a negative affirmation. From that point on, whenever something happened that made you feel stupid, you were reminded of the negative affirmation drilled into you as you were growing up. Over time, you even began to believe them and saw evidence of this negative message everywhere.

However, you can reverse the effect of negative affirmations by using positive affirmations which you come up with yourself. The following are a few tips to help you to come up with your own effective positive affirmations.

Your affirmations should always be worded in a positive way, even if the idea of the affirmation is to change something negative in your life. Instead of saying something like “I don’t want to worry about bills”, say “I pay my bills with ease”.

Write your affirmations in the present tense; it is important for your affirmations to be written as things that are happening to you right now, instead of sometime later on. If you write your affirmations in the future tense, all of your energy will be focused on the future instead of the present. Whatever your affirmations are, they need to be focused on now, not the future.

If it is difficult for you to stay positive when you’re writing affirmations, then begin by putting together a list of what you don’t want. It’s easier to then write affirmations, since you will know for certain what you don’t want.

Keep your affirmations focused on one idea and don’t make the mistake of trying to cram too many different ideas into a single affirmation.

From time to time, you should go over your affirmations and make any changes you feel you need to. Repetition is what makes an affirmation effective, but no affirmation will work if you don’t believe in it. Think about your affirmations periodically and feel free to revise them or discard them altogether if you aren’t sure they’re right for you.

Ryan Puusaari is a human potential advocate who’s mission in life is to help people unlock their hidden potential and turn it into focused action so that they can finally start living the lives that deep down they always knew they were meant to live. For more great positive affirmation resources like articles, videos, wallpapers and affirmation examples, please visit Ryan’s website.

Go to: http://www.dailyaffirmationstatements.com/

Positive daily affirmations can help you to reprogram your mind from the negative self talk that you have had for years. For this to work effectively, you need to repeat positive statements of a desirable outcome like a mantra on a daily basis a few times per day.

Positive daily affirmations help to redirect your values, formulate goals for success or simply help you to boost your self confidence. They can be used to improve areas such as wealth, success, health, relationships or self esteem.

Here are 10 tips to writing effective Positive Daily Affirmations

1. Develop Them Yourself. Self-developed affirmations are the most effective positive daily affirmations. If you couple them with clearly defined written goals and applied faith, their power is even stronger.

2. Feel Them. The emotional dimension of each affirmation should never be overlooked. When you can additionally “feel” your affirmation, its total impact increases tremendously. For instance, if your affirmation is “I am a successful public speaker”, then visualize how it will be like to be receiving a standing ovation from a hall full of people.

3. Make Them In the Present Tense. You should state your positive daily affirmations in the present tense, that is, use “I am…” rather than “I will be…” Saying things in the present tense will program your subconscious mind to believe that what you affirm is already a fact. In other words, you have no doubt in your mind that what you desire is a given and not just a wish that may or may not happen.

4. Make Affirmations Positive. Another important tip in formulating your affirmations is to write them in the positive state. A negative statement cannot work. For instance, you should say “I am rich” rather than “I am not poor”.

5. Make Positive Daily Affirmations Short And Clear. First, because your experience will create the conditions that allow affirmations to manifest, word the affirmations carefully to make them crystal-clear. State your real, innermost desires and articulate your most expansive sense of self. Affirmations based on a narrow self-concept deliver results that fall short, cause suffering, and further diminish the sense of self.

7. Increase Your Faith. Of course, the more faith you have in them, the more effective your affirmations will be. The desires and dreams that your mind can conceive bear seeds of possibility, and possibilities ultimately become realities.

8. Say Positive Daily Affirmations With Conviction. Some experts recommend saying positive daily affirmations silently. They say that silent affirmations are more effective than spoken statements, because they entail more intensity of concentration and resonate through your entire body instead of in your surroundings. Others recommend saying them out loud, because you can also use your facial expression or hand gestures for more conviction. For whatever it is, positive daily affirmations made in a half hearted manner are not going to be as effective as the ones that you make with deliberate intention.

9. Follow Up With Actions. Lastly, you will also need to put in some actions, so that you can lay the ground for their manifestation. For instance, affirming that you will win the lottery can only be possible when you buy a ticket.

10. Remind Yourself Daily. In a hurried lifestyle with 1001 things to do, you can find it hard to remember to repeating the positive daily affirmations. Hence, put them in a visible location, like on the wall or in front of the mirror or save them in a PowerPoint slide to be used as a screensaver.

Here are some examples to help illustrate the above 10 tips:

Positive Daily Affirmations For Self Confidence

1. I am sure of my ability to do what is necessary to improve my life.

2. I feel good about the way I do my job.

3. I love myself and accept myself for who I am.

Positive Daily Affirmations For Abundance

1. All the things I want and need come to me.

2. I am an abundant person.

3. I create abundance in all that I say and do.

Positive Daily Affirmations For Success

1. I am successful.

2. Everything I do turns into success.

3. I attract positive-minded people to me; I draw all things positive to myself.

Evelyn Lim is a life coach and an intuitive consultant, with a passion for helping her clients and readers raise their vibrational state of being for attracting abundance. She is an author of self help topics such as positive thinking, attracting abundance, spirituality and becoming more happy. Her newsletter is currently read by thousands of subscribers. For free bonuses on manifesting secrets, mp3 downloads and fresh weekly tips, please sign up to her Abundance Tapestry newsletter.

The Biological Basis of Relational Presence

The Biological Basis of Relational Presence

Many perspectives are available on the alchemy of Relational Presence from the realms of creativity, philosophy, and science.

Creativity

I believe that every human mind presents a unique landscape, an essentially foreign universe to every other mind. (To survive and fit in we’ve learned to act a lot more alike than we are.) From this perspective, one may choose to see every other being as a creative masterpiece–albeit often with some pieces unassembled.

Seeing every person we meet as in the process of coming into creative wholeness would alone make life much more gratifying. For one who does not cultivate this perspective, peace in the company of others is difficult to achieve, and impossible when addressing a group of others.

In providing a safe container for individuals to experience each other as a work of art, Relational Presence practice heightens our capacity to effortlessly listen to and speak with others from our own creativity.

Philosophy

In his landmark book I and Thou (1923) philosopher Martin Buber wrote that our relationship doesn’t live in me or in you, or even in the dialog between the two of us. Rather, it lives in the space between us.

If we do not know this sacred space or do not take responsibility for it, we will unconsciously pollute it, whether with a word, a look, a reaction, a withdrawal, or a judgment. This makes the space uncomfortable, and we react to the discomfort in ways that make the space more uncomfortable, until soon the space becomes dangerous.

According to Buber, we “cross the bridge” into that space by breathing deep with our feet on the ground and “listening with our eyes” as if learning a new language describing the landscape of another world.

This is a perfectly apt description of Relational Presence practice!

Science

Giving scientific credence to Buber’s ideas is the new field of Relational Neurobiology that refers to the resonance between two minds as “the brain bridge.” When two limbic systems resonate together, both central nervous systems calm down.

The brain is the only organ inside us that doesn’t regulate from within. It regulates through another brain; we need each other’s eyes for self-definition. “Mirror neurons” in the brain become very alive during relational encounters and form new neural pathways that give us the capacity to become more relationally intelligent. The brain has enormous plasticity, constantly capable of new experience at any age.

The meeting of two human presences beyond personality is the quintessential human experience, and now even science knows that only in being with each other is our essence revealed.

May you find the time to intentionally cultivate Relational Presence for nourishing relationships both professionally and personally!

The Biological Basis of Relational Presence

The Biological Basis of Relational Presence

Lee Glickstein is the founder of Speaking Circles? International, and author of “Be Heard Now: Tap Into Your Inner Speaker and Communicate with Ease” (Broadway Books and Sounds True Audiotapes). He guides visionary leaders in dissolving anxiety with groups and teaches how to speak with presence and power anytime, anywhere. Visit http://www.speakingcircles.com for more information and to subscribe to monthly articles and resources (including free teleclasses in masterful leadership speaking).

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