3 Sure Ways to Trump Your Investing Fears

3 Sure Ways to Trump Your Investing Fears

Often times when people here the word “invest” they become

frightened. It is probably one of the most misunderstood

words on the planet. As a result, many employees as well

as other individuals refuse to invest their money in anything

other than a passbook savings or money market account. That

includes those who have retirement accounts available through

their employer.

So, what is stopping you from starting to invest? The following are three of the most common reasons are I found after taking a poll:

1. I don’t have enough money to invest.

2. I have to pay off my bills first.

3. I have money to invest, but I am afraid.

What can you do to alleviate your fear of investing? There

are many inexpensive ways to start investing. You can open

an investment account with a broker that sells shares or

partial shares of stocks, this type of broker is usually

found online. You can open a mutual fund account with a

mutual fund company, that will allow you to start with a

small amount of money. You can start investing with your

company employee retirement plan. And finally, you will

have to shed some old baggage about investing, for example,

“I will start investing when I get my bills paid off,” or “I am

afraid to invest.” The main questions being, how do you shed

this baggage and allay all fears?

1. The first most common reason the poll respondents don’t start investing is because they think it is too expensive. They feel a lot of money is needed to start investing in stocks or mutual funds.

There are mutual fund companies that will allow you to start

an investment account for as little as one hundred dollars,

and add as little as twenty-five dollars a month. You can

do a search for mutual funds in any internet search engine

or research them in your local library. There are many companies

that will allow you to invest in a few shares or partial shares

of stock, starting with as little as eight dollars a month, and

adding eight dollars a month to your account to purchase additional shares or partial shares. Using your company retirement account is another way to invest with ease. In most cases, you will have the option to pick among investments already chosen by your company. The money is taken out of your check, so you don’t miss the funds and you receive tax advantages.

2. The second most common reason the respondents gave is that they are told to pay off bills before they start to invest.

It is a good idea to have your debt well under control

before you start to invest. The interest rates on

outstanding debts are sometimes in excess of the interest

rates on investments, coupled with compounded interest, debt

payments can be excessive. There is an easy way to invest

after you have your bills under control, that is to treat

your investment savings as “just another bill,” before you

know it, you will have a significant amount of money in your

savings account, you can invest.

3. Fear was the third most common reason the respondents don’t

invest. This fear can be easily conquered with education and

detailed information about investing.

Do you have plenty of money to invest, but you are simply

afraid? I think the term for that is, “fear of the unknown”.

That is probably the easiest investment stop addressed in

this article. The Internet has brought learning to our

fingertips, there are thousands of websites that teach

investing from a consumers perspective. Brokerage sites and

web portals provide research with detailed information about

stocks, mutual funds and other investments to protect your

interest and your money. If you are not Internet savvy, take

a trip to your local library, the librarian will show you how to use investment research catalogs such as Value Line reports for stocks research, and Morningstar Mutual Fund Reports for

Mutual Funds research. Doing your own research will teach

you how to choose low risk, low cost investments. Investment

research will also teach you how to analyze the investments

that your advisor chooses for you.

3 Sure Ways to Trump Your Investing Fears

3 Sure Ways to Trump Your Investing Fears

Lois Center-Shabazz, who is the author of the award winning book, “Let’s Get Financial Savvy! From Debt-Free To Investing With Ease” ISBN #0971979502, and the founder of the critically acclaimed investment teaching website, http://www.MsFinancialSavvy.com

Contents About : 3 Sure Ways to Trump Your Investing Fears

Positive Affirmations, how do they work? What changes can I expect?

Affirmations are one of the tools you can use to radically change your life. There is nothing new age, mystic, trendy or fashionable about them. Affirmation is part of an ancient ‘ Secret’, re-discovered and brought back to the limelight by TV. film and press, transforming with it several people into very wealthy gurus.

Affirmations have been around since man found the use of language and there is no secret ritual to use them.

You can basically have anything you want! This tool, if used correctly, will help you change, grow, and heal yourself.

I want to introduce you to the basics of positive affirmation and positive thinking. Later on you may want to surf the web and find out more about this fascinating subject.

When you start the affirmations, give yourself at least a thirty day tryout period. Depending on the seriousness of the problem you may need more time and more affirmations to achieve your goals. Talk to your family and friends about your resolution to change and ask them for their support. If it is a radical change you are envisioning a life-coach will be very useful suggesting the best approach to use and to keep you motivated. This is a big step. Opening up to relatives and friends show your commitment to change and solidify your intentions.

Don’t get discouraged, impatient or put off if nothing happens in a week or two. Just remember that you didn’t become this way overnight.

Affirmations can and will transform your life patterns and perception.

Affirmations support your positive thinking and together they form a very powerful and effective tool. They function as ‘key words’ of positive messages ‘dictated’ directly to the self. You consciously connect and direct your positive thinking to areas of your life that you want to change or heal. It works as a reminder to the self, keeping positive messages at the forefront of consciousness.

The benefits of affirmations are medically well established and really work.

On the other hand negative thoughts are just as powerful. So be aware of your negative thoughts as they are in essence self-destructive ‘key words:’ psychological mechanisms that make your life rotten.

First,  let’s check how aware you are of your thoughts.     

Do you regularly have more positive or more negative thoughts running through you mind?

Only you can honestly answer that. So get ready.

If your subconscious is throwing out lots of negative thoughts then you must do some ‘brain-cleaning’ before moving into the desired new positive affirmation mode.

This may be very familiar to you, as your mind swirls with thoughts like: “I don’t like this, I like that, I feel great,  I hate him/her, I am afraid of, I don’t want them to see me like this, I am not sure about that, I feel rotten”.     

Your mind incessantly interprets your experiences as an internal dialogue. These thoughts are generated on a deep level by your beliefs which were formed and accumulated from the time you were born. 

We can’t control most exterior events of our lives but we do control how we interpret and react to them.

We create our own reality.

When we change our interpretation a change takes place in our reality.

So become aware of your thoughts. If you change your thinking, big changes will happen in your life.

Take a minute to think about why you are reacting to something or someone.

Get in touch with yourself. Accept the fact that these thoughts may have helped you in the past but they are out of place now that you have chosen to accept only positive thoughts and positive living.

While doing the new affirmations your mind will let go of the negative messages even if you are not aware if it.

Watch out also for resistance within yourself. With certain affirmations you may question, “What in the heck” – “are you kidding?”

It is ok, it is an old habit that is about to be changed. You grew up and had these thoughts for almost all of your life. Now it is time to form a new habit and you need lots of practice.

Let’s get started.

What would you like your life to be?

Think about it and write it down.

Fulfillment with your job, a happy family, better health, financial security?

Don’t hold back, go for it.

For the beginners the easiest way is to choose and write down two or three things you want changed.

For example, if you feel unloved and financially strapped, one of your affirmations could be: ” I am now ready to receive more love and wealth” and you may add  ”from the vast supply of the universe”.

If you also wrote down ‘low self-esteem’  the affirmation could be: “I am an awesome man/woman and I feel good about myself”.

Be creative, upfront and fearless. You are making a statement to yourself of your intentions.

Here are a few simple guidelines:

1- Present tense. Start all your affirmations in the present tense and have them already accomplished. You are telling your conscious mind that the affirmative action is taking place NOW and it is final. I AM HAPPY,  I CHOOSE JOY,  I HAVE CONFIDENCE. It is stronger and much more powerful than, I will be happy, or I am becoming happy, and so on.

2- How to phrase your affirmations. You can copy from an extensive list you’ll find on the Internet, use the examples below or simply write it down in your own words. Do it as plainly or as poetically as you speak. ” I am energetic and full of enthusiasm. I am safe, I am a prosperous man/woman. I attract positive people, I release my anger.” Make copies of it and leave it around the house, car and your office desk. The more you are reminded of the positive affirmations the more your mind will accept the new concept you are bringing forth. You will create a new positive reality and the universal energy will do the rest to connect this good energy to other positive energies.

3- Positive means Positive. Your subconscious usually focuses on the verb and relates it to past experiences. If you have fears, phobias or whatever, be careful with your choice of words. If you are afraid and say I am not SCARED, it will register I AM SCARED. The NOT was assimilated and ignored by your mind. Say instead I AM COURAGEOUS or I AM FEARLESS. Don’t use affirmations that have a negative attachment. You can comfortably use I ACCEPT, I CHOOSE, I DESERVE, I AM.  I developed one affirmation to counteract the negative thought that eventually peeks through, so I suggest you add it to the batch,  ”I ACCEPT ONLY THE GOOD AND THE POSITIVE.”

Starting as you wake up, say the affirmations out loud or in your head five times. Repeat the same process three to four more times during the day, the last one just before going to bed.

I suggest you end the affirmation session with a thank you  note. Gratitude will reinforce and validate the affirmations. Thank God, Jesus, a Spirit, the Force, the Universe or whatever you believe and feel comfortable with. 

Visualize your affirmations with feelings and emotion. See yourself exactly as you are stating.  It will add an extra psychological dimension and have a much deeper impact on your mind. Using this method of visualization early in the morning and at night will make your affirmations much more successful.

You can use affirmations to help build self-confidence, self-esteem, self-improvement and personal growth. It can also help conquer your fears and anger management. Affirmations have been successfully used to relieve anxiety and depression and are an excellent tool for weight control.

If you check the web under Positive Affirmations you’ll find a multitude of books and affirmations to help you.

Here are a few examples of affirmations by topics:

Love

“I am ready to love and to be loved”

“I am surrounded by love”

“I love and accept myself exactly as I am”            

“The love I give out returns to me multiplied”

“I am a loving, beautiful creative person and this is reflected in my relationships with others”

” I am now ready to receive more love, support and wealth from the vast supply of the universe”

“I see the beauty in my surroundings and I radiate joy and love”

Wealth

“I deserve all that is good and prosperous in my life”

“Money flows to me from expected and unexpected sources”

“I deserve to collect all the wealth and the rich rewards of my success”

“My income is constantly increasing”

 ”I am well, I prosper, I am successful and  I am free”

“Abundance, like a river flows in my life”

“I allow all the immense wealth and goodness of the universe to easily flow into myself”

Self-esteem – personal

“I now have the power to bring about all the positive changes in my life I desire”

“I am protected, guided, and connected with the highest good at all times”

“My personality is radiant with success, beauty and happiness”

“I am an awesome man/woman and I feel good about myself”

“I am at peace with my choices  and what life throws in my path”

“I recognize and honor my talents, abilities, and skills”

“I choose to live my life the way that makes me happy”

“I am positively changing my life now, for the better in every possible way.

Have a great journey

Much love

Ton Pascal

Ton Pascal is a self thought , self help advocate and author. “My goal is to help as many people as possible how to stop living on the periphery of life. The e-book Dream Your Life Positively http://www.dreamyourlifepositively.com/ will show you how to stop living on the periphery of yourself. Your thoughts and dreams will provide for you a rich, meaningful and abundant life; this is the Law of Attraction at work. It will enable you to create the map of your life’s journey. It is not just being alive that makes life worth living, but the depth and sense you bring to your life.” For the hardcopy book on Amazon .com – http://bitly.com/159uo2.

I’ve been a spiritual seeker for many years now and I’ve always been interested in reading books about spirituality, self-improvement, healing and learning as much as I could for quite some time. I feel like I’ve been blessed by aligning myself with some of the best spiritual teachers through workshops and individual counseling sessions. I’ve had to overcome a lot of obstacles in my life, due to family issues, and I needed a lot of guidance.

One of my mentors was a counselor in Houston, Texas. I spent almost ten years working with this woman who whole-heartedly believed in the power of affirmations. It was sort of like going to confession in the Catholic Church. We would have our session where we would talk about issues, and then I would be assigned my so called homework. Instead of ten “Hail Mary’s” and five “Our Father’s”, it would be to write this affirmation 25 times: “I begin to bless everything that comes into my life as good, good, good.” Then I would write this affirmation in first person with “I”, second person: “You begin”, and third person: “Laureen, begins to.” The reasoning is that yes, I need to affirm myself. When writing in second person, it’s as if someone that I trust is talking right to me. In third person, it’s as if it were written, and already true.

Over the course of 10 years, I have written thousands of affirmations. I’ve written affirmations of healing from past childhood traumas, healing of relationships, healing from a divorce and healing from career changes. I was basically reprogramming my conscious and subconscious negative thoughts into positive “affirming” thoughts. Instead of believing in a “negative belief” that no longer works for me, I worked on accepting and affirming the “positive” experiences from the situation.

In the beginning, I would complain that my hands would get tired from all the writing, but the repetition imprints the affirmation into the subconscious mind. Also, the more times you write an affirmation, the more emotionally involved you get. How can you write “I am healthy in mind, body and spirit” dozens of times, without believing it? Writing, helps you believe it, feel it, and reprogram your mind.

I’ve written affirmations down in journals and post-it-notes around the house. I’ve typed in affirmations on my computer and printed some of them in large type and pasted it to my wall, such as: “The more money I spend, the more money I receive from the Universe”. I tend to like this one a lot! I’ve even taped myself speaking affirmations, so I can listen at home, while I’m doing yoga. I find there isn’t such a thing as too much. We spend so much of our lives in negative surroundings, whether that be at work, or at home, with our family, friends or even watching TV.

When I was in music school, I was a vocal performance major. I use to hear all the time from various students (some instrumentalists), “I can’t sing.” Well, who told them they couldn’t sing, and why did they believe it? I’ve found through years of singing, performing and teaching, that very few people are actually tone deaf. So, why do so many people believe they can’t sing? It’s because someone told them to be quiet in church when they were singing, and from then on, they adopted a negative belief system about singing. Just because they may not have had a pretty voice, or a professional voice, is not the same thing as they “can’t sing”. I found myself coaching a few of these people for my sight-singing class, and lo and behold, they could it.

Not all of us can afford coaches, or counselors, or professionals to help us. But, one thing we can do is help ourselves by working with affirmations. The one great thing about affirmations, is that there is so much information out on the Internet about affirmations. What I like to do is to search through a lot of written affirmations in healing, prosperity, health, career, relationship issues, and find the ones that I like. Then I re-word the affirmation into something that feels right to me. I always make sure that the affirmation is written in the “present” tense and that it is positive and specific.

Some affirmations have a bit of a “charge” let’s say. What I mean by a “charge” is that you are stating something positive, but you’re feeling some negative emotions as you write. All this means, is that somehow, you’re not quite sure you actually believe this, and there is some healing to do in this area. As you keep writing the affirmation, there can be a whole series of emotions flowing, if you allow yourself to go through the process. The experts say that the subconscious mind doesn’t know what is real, or not real. So, why not give ourselves the best positive belief system, to replace the negative beliefs we’ve adopted through the course of life? Changing our beliefs, is like giving ourselves a new life, a new outlook and a new future that’s based on positive beliefs.

When I was going through a difficult time in my life, I use to write “I now release all fears and resentments”, over and over again. It was difficult, because I was in fear, and I had a lot of resentments. I was tired of being depressed. I was tired of being fearful. What I had to do, was reprogram myself into releasing these negative feelings, so that I could live a joyful life. Even though, I didn’t initially believe that I could actually “let go” of those negative emotions, the more times I wrote the affirmation, the more relaxed I became.

I love affirmations so much, that I buy CD’s and audio downloads of so many wonderful teachers and healers, and I usually play them when I meditate or go to sleep. I find that continued use of affirmations changes my outlook, my productivity, and my joy and happiness. I even subscribe to a number of e-mail subscriptions from Unity’s Daily Word and Joel Osteen. I find that immersing myself in positive affirmations has helped me to grow significantly and has healed many wounds. I am now a much more joyful and positive person than I’ve ever been in my whole life.

My new affirmation of the day is “I choose positive words and experience positive results.” Have a great day!

Laureen Falco
President of Lyrical Concepts, L.L.C., in Houston, Texas.
http://www.EverydayProsperityAffirmations.com

Laureen Falco and Claus D. Jensen produced “Everyday Prosperity Affirmations” audio which features both audible and subliminal prosperity affirmations with beautiful original music available in a downloadable audio. The audio tracks also includes “The Prosperity Prayer” by Lynn Robinson. The Youtube video can be seen at http://budurl.com/puc3.
This 40 minute audio includes a free prosperity e-book, and an Everyday Prosperity Affirmations Workbook.

The dictionary description is:

af-fir-ma-tion [af-er-mey-shun]

1. The act or an instance of affirming; state of being affirmed.

2. the assertion that something exists or is true.

3. something that is affirmed; a statement or proposition that is declared to be true.

4. confirmation or ratification of the truth or validity of a prior judgment, decision, etc.

Thoughts repeated regularly and systematically sink into the subconscious mind and become habitual. Affirmations as these are called are used by many children and adults to create lasting changes in their lives. Finding the right affirmations to use is much more effective if it is in your own words and way of thinking. It is important that your affirmations are written in your own words since the subconscious will react better to your own thoughts than to the thoughts of someone else. It is easy to understand that you probably would not trust anyone more than you trust yourself. Start by taking notice of what you want to change in yourself. Write down on paper your thoughts, desires, and feelings that you may wish to improve upon.

How to use affirmations

When wording your affirmation, you need to use words and phrases for your affirmations in a positive manner rather than a negative manner. As an example, if you wanted to quit smoking, you would not want an affirmation such as “Cigarette smoking makes me sick” because you will in turn cause yourself to get sick. It is better to phrase affirmations like “I am a non-smoker” or “I am healthy and dislike the smell and taste of cigarette smoke” thereby instructing your subconscious to see a different you. When your subconscious sees yourself different, you will become different. Whatever the subconscious mind believes, the conscious mind becomes.

It is important to choose your words wisely. You do not want to use phrases like “I want” because no change will take place since your subconscious is already there. In other words, affirmations worded with “I want” simply are a statement of what “you want”, this only affirms that you will always want whichever it is your affirmations are presenting. You must see yourself as a different you by visualizing what it is you would like to accomplish. Use words like “I am” or “I have”, this allows your subconscious to visualize and believe you are already what you wish to become instead of what you want to become.

Positive affirmations can enhance any area of your life, from improving health, skills, success, relationships and more to conquering bad habits like unhealthy eating habits, aggressive tempers and attitudes, biting nails, bed wetting, drug addictions, or lack of attention and motivation. There are many resources available to help those who find creating affirmations to be difficult. Affirmations can be found on the Internet or in books. Remember to try and use any outside suggestions only as an example and maybe rephrase it in your own words. Thoughts and phrases should come from words within your terms of speaking. If you wish to improve your health, you can find hundreds of examples on the Internet that reflect healthy aspects. Though if for instance you were to find some health affirmations worded in a manner that you would not typically speak, you need to re-write that affirmation into your own words so that you comprehend what your affirmation means. Your subconscious will work faster with affirmations spoken in your terms of speaking faster than that of someone else’s if you do not fully understand it. An example of this could be the legal terminology that most attorneys use, most of us can read it and somewhat understand it, but the lawyers are the ones that can pick it apart and know exactly what it is exclaiming to in ways we probably never imagined. If your mind does not fully comprehend the meaning of the affirmations you are feeding it, your process will not take effect as fast.

How long before you see results

It can take approximately 20 days to create a lasting change but can start taking affect on your behavior a lot sooner where you can notice yourself actually beginning to change in the way you have expressed through your affirmations. It does matter how you use the affirmations too, if you only use your affirmations during the day instead at night like suggested, it may take longer to take affect. Using a recorder or an affirmation unit such as the Mindmaster at night can allow you to create the change subconsciously without the common distractions one normally endures during the day with normal everyday life. Whether it is distractions with traffic, kids, work, cellphones, animals, you name it, they take away from the effectiveness of repeating your affirmations. You could also possibly take time out of your day to go somewhere that is maybe free of these distractions, but that is sometimes a luxury that many of us don’t have. It also takes away from getting other things done too. However, when you are sleeping you have no distractions and the subconscious mind receives everything you tell it. Since your subconscious never sleeps, it is even more receptive to receiving and retaining messages because any doubt and disbelief, which are conscious barriers, are dissolved while you are sleeping, allowing your subconscious image to be changed more effectively.

Affirmations and children

Affirmations though not as widely used as they are for adults can be used with children to help them overcome obstacles that they face with growing up. Fears of the dark, fears of the potty, eating habits, aggressive behaviors, controlling emotions, improving skills and confidence. There are many uses just like with adults that can help your child as well. They should be able to utilize all available tolls that they can when growing up, this shapes them into who they will become later in life. Using affirmations with a child can be a bit different from the way we may use them as adults. Adults have the ability to remember they need to repeat their affirmations where kids usually lack the ability to remember the simplest things they were just told to do. This is where targeting the subconscious mind works best. Much like how adults use recorders, there is a product on the market that is designed for children to repeat their affirmation back to them at night while they sleep on a timed program so it is not in a continuous loop. It has been proven to work successfully with speaking toddlers guided by their parents directive. If you are having problems with potty training for instance, children have stopped wetting the bed in as little as a week, for good and all on their own. This not only helps give the child a sense of accomplishment but also self confidence and belief that they can achieve their goals.

Some Simple Affirmation Examples Are:

* I am a great salesperson who is confident in my abilities to succeed.

* I am productive and a success in all that I do.

* I am efficient and stress-free.

* I am a non-smoker and in control of my health and wellness.

* I eat healthy and can control my weight by avoiding unhealthy choices.

* I have abundant energy to do all the daily activities in my life.

* My body is healthy and free of pain.

* I love learning and excel in school.

* I am capable of waking up at night to go to the bathroom so I won’t wet the bed.

* The dark does not scare me.

* My strength is in forgiveness to those who have hurt me.

* I am worthy of love. The more I love, the more love is returned to me.

* I am a creative person with lots of good ideas.

* I have a terrific golf swing.

* I love my body and it loves me.

* I have a kind personality and strong self-esteem.

* I spend money wisely and am rewarded for the work that I do.

* I am powerful in my life!

* I love the life I live!

* I CAN CHANGE ANY ASPECT OF MY LIFE!

Maximize Your Affirmations and find out more about how the Awake2000 unit works at http://www.Awake2000.com

Also visit the Awake2000 User Help Forum [http://www.awake2000.com/index.php?option=com_fireboard&Itemid=12]

Copyright © 2003 – 2006 . Awake2000.com

Ten Strategic Tips On How to Overcome Public Speaking Fears

Ten Strategic Tips On How to Overcome Public Speaking Fears

When it comes to public speaking, do you welcome the opportunity or do you run for cover? Do you accept each chance presented or do you make up a long list of reasons to be excused from the task? If you answered NO to these questions, it is important for you to read this because public speaking presents some very positive development opportunities for you and there are things you can do to overcome your fears of public speaking.

So what can you do if you do fear public speaking? Here are ten (10) strategic tips to overcome that fear and make public speaking easy.

#1: Develop a game plan for your public speaking assignment. Decide what positive outcomes you want to achieve. Visualize your successful presentation.

#2: Know the room where you will be speaking. Become familiar with the physical features, the mike, the seating, the staff, etc.

#3: Make sure you are energized and focused on your speaking engagement as you enter the room. Taking deep breaths can help to calm nervousness.

#4: Develop an attitude that your speaking engagement is a “conversation with your audience,” that makes it more personal.

#5: Avoid standing behind a podium when speaking because it disconnects you from your audience. Stand to the side of the podium or wander the room or stage when speaking.

#6: Make sure you know your audience by researching who will be there while preparing for your public speaking appearance.

#7: Make direct eye contact with individuals in the audience. Again, this increases your “connection” with your audience.

# 8: Be positive about questions and if you don’t know the answer to a question, admit it and do not try to fake an answer. Not knowing an answer gives you an opportunity to confer with others and then get back to your audience later with an answer.

#9: Learn by doing. Take advantage of public speaking opportunities to improve your performance by accepting public speaking engagements. The additional experience will help build your confidence.

#10: Work with a coach to improve your public speaking skills.

If you want to learn more about public speaking as a strategic communication and marketing opportunity and how you can overcome your fears of public speaking and improve your public speaking skills, please contact Glenn Ebersole through his website at http://www.businesscoach4u.com/ or by email at jgecoach@aol.com

Ten Strategic Tips On How to Overcome Public Speaking Fears

Ten Strategic Tips On How to Overcome Public Speaking Fears

Glenn Ebersole, Jr. is a multi-faceted professional, who is recognized as a visionary, guide and facilitator in the fields of business coaching, marketing, public relations, management, strategic planning and engineering. Glenn is the Founder and Chief Executive of two Lancaster, PA based consulting practices: The Renaissance Group, a creative marketing, public relations, strategic planning and business development consulting firm and J. G. Ebersole Associates, an independent professional engineering, marketing, and management consulting firm. He is a Certified Facilitator and serves as a business coach and a strategic planning facilitator and consultant to a diverse list of clients. Glenn is also the author of a monthly newsletter, ?Glenn?s Guiding Lines ? Thoughts From Your Strategic Thinking Business Coach? and has published more than 225 articles on business.

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