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Shamanic or Reiki Healing

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Shamanic or Reiki Treatment

Both shamanism and Reiki are methods of healing. Shamanism has been around for at least 40,000 years and had a presence in most world cultures. The origin of the word shaman and shamanism has its own levels of disagreement. Reiki came on the scene in the 1920s.

Like shamanism, Reiki has its share of inconsistent origin stories. According to William Rand, Mikao Usui, while at a retreat, received Reiki. The word reiki is a Japanese word for universal energy. He used it on his family, friends and passed it on to others. Because of his own background as a student of qigong, medicine, psychology, religion, and the art of divination, he added those skills to his practice. He passed the learning and techniques to others, particularly to former naval officer and medical doctor, Chujiro Hayashi. He made some modifications to accommodate his own style. He trained Mrs. Takata who then introduced the form of Reiki healing called Usui to the West.

Does the fact that one predates the other make it a superior approach to healing? Personal experience dicates an unequivocal no!

A comparison will help. Both call upon the universe for healing energy and both use supplication in their efforts to connect with universal energy. Both function as conduits for healing energy. Shamanism viewed many of mankind’s ills to be caused by the loss of spirit/soul; (Life energy) while the Reiki healer recognizes energy drain and incorrect energy flow.

The shaman uses an altered state of consciousness to travel to another realm where he or she seeks a solution to a patient’s health or emotional issues. A Reiki Master does not travel or journey as it is sometimes called. The Reiki Master uses sacred or secret symbols, each containing its specific healing purpose. The shaman uses sacred objects to surround a patient; whereas, the Reiki may draw the sacred symbols on the patient using a finger to do so.

A Reiki Master will use incense as does the shamanic healer. Generally, this is used for cleansing the area around a patient. Soft music is the choice of sound for the Reiki Master; a monotonous drum beat serves the shaman’s purpose of driving out evil spirits, altering the state of consciousness of the patient, or changing the direction of the energy flow.

The Reiki Master uses his or her hands to change the energy flow of a patient. The hands are allowed to choose the place where the physical issue is located. With patient permission, the Reiki healer will physically touch the patient. During a Reiki healing session, the healer remains quiet; whereas, a shamanic healer may be chanting, have a flute played, and depending on the location, may dance around the patient.

Thanks to Michael Harner, many of the world’s best shamanic practices have been transferred to Western culture. We now have shamanic practitioners. They are different from a traditional shaman in that they are trained for the specific purpose of healing; a traditional shaman has other duties to perform.

If you are inclined to use an alternative healing approach, be sure you check the credentials of the practitioner, ask for references, and remember, you are the one who decides.

Norman W. Wilson, PhD

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Source by Norman W. Wilson, Ph.D

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February 6, 2020
Created To Bond – Changes That Heal Part II
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Failure To Develop Relationships

Emotional ties have a dramatic effect on our well-being. When one fails to develop relationships or bond with others, it can and often does affect their ability to stave off or recover from a variety of not only physical but also emotional ills. When they learn to attach to and trust others, they begin to develop not only emotionally, but also psychologically. Thus, their ability to bond with others… to become closely knit, often carryover into their home life.

When a child is distressed, he/she may show unusual signs such as increased pulse, increased or labored respiration, helplessness, and hopelessness and may easily become enraged. These signs are often seen when the biological parent remarries and the child tends to believe that he/she must compete with the step-parent for the biological parent’s attention.

When the adoptive or step-parent enters the situation with food, physical contact, compassion and other help, the child learns her parents can meet her needs. The child is then more active and able to respond to stimulation such as playing. When the child is content, she is able to sleep and feel comfortable in her surroundings.

According to Deborah Gray, author of Attaching in Adoption, “attachment is a relationship formed primarily with members of the family and requires more time and interaction to be created. Attachment is what most adoptive parents are referring to when they talk about bonding with their child. Adopted children of all ages may have an attachment to their birth family, even if the relationship was neglectful or abusive. Many adoption experts agree that if a child can form an attachment to birth and foster parents, she will have the skills to attach to her adoptive family as well.”

Signs of Secure Attachment

The parental attachment process can often take weeks or years to fully develop, and in some cases there maybe pervasive attachment disorders for which professional therapy will be required. A strong indicator of whether attachment is taking place is the comfort with which the adoptive or step-parent is able to recognize the child’s needs. It is important to remember that the repetition of parents meeting a child’s needs is the foundation of forming a secure attachment with children of all ages, not just infants.

The attachment bond shapes an infant’s brain

The attachment bond is the term for our first interactive love relationship-the one we had with our primary caregivers, that is, our mothers. The mother-child attachment bond is instrumental in shaping infants brains. This important attachment profoundly influences our self-esteem, our expectations of others, and our ability to attract and maintain successful relationships. So, the success, or failure, of our first love-the attachment bond-has a life-long effect.

Our secure attachment bond shapes our abilities to:
- feel safe
- develop meaningful connections with others
- explore our world
- deal with stress
- balance emotions
- experience comfort and security
- make sense of our lives
- create positive memories and expectations of relationships
Attachment bonds are as unique as we are. Primary caretakers do not have to be perfect. They do not have to always be in agreement with their infants’ emotions, but it helps if they are emotionally available a majority of the time.

We were born with an innate or preprogrammed need to bond with one very significant person-our primary caregiver, usually our mother. Like all infants, you were a small bundle of disjointed emotions-intensely experiencing fear, anger, sadness, and joy, often at the same time. The natural emotional attachment that grew between you and your caregiver was the first interactive relationship of your life, and it depended upon nonverbal communication. Therefore, the bonding you experienced in this relationship determined how you would relate to other people throughout your life. This bonding relationship established the foundation for all verbal and nonverbal communication in your future relationships.

For better or worse, the attachment bond profoundly influences the infant brain. It is a baby’s first love relationship. When the primary caretaker can manage personal stress, calm the infant, communicate through emotion, share joy, and forgive easily, the young child’s nervous system becomes “securely attached.” The strong foundation of a secure attachment bond enables the child to be self-confident, trusting, hopeful, and comfortable in the face of conflict. As an adult, he or she will be flexible, creative, hopeful, and optimistic.

People who fail to establish this type of bonding relationship often experience confusing, frightening, or broken emotional communications during their infancy and often grow into adults who have difficulty understanding their own emotions and the feelings of others. This hampers their ability to establish, build and/or maintain attachments leading to successful relationships.

What is Attachment?

Attachment is the relationship between infants and their primary caregivers-is responsible for:
- shaping the success or failure of future intimate relationships
- the ability to maintain a normal emotional balance
- the ability to enjoy being ourselves and to find satisfaction in being with others
- the ability to successfully rebound from various disappointments, discouragement, and misfortune
Many scientific studies of the brain-and the primary role attachment plays in shaping it-has given us a new basis for understanding why vast numbers of people have great difficulty communicating with the most important individuals in their work and love lives. Once, we could only use guesswork to try and determine why important relationships never evolved, or developed chronic problems, or fell apart. Now, thanks to new insights into brain development, we can understand what it takes to help build and nurture productive and meaningful relationships at home and at work.

What is the attachment bond?

The mother-child bond is the primary force in infant development, according to the attachment bond theory pioneered by English psychiatrist John Bowlby and American psychologist Mary Ainsworth. The theory has gained strength through worldwide scientific studies and the use of brain imaging technology.

The attachment bond theory states that the relationship between infants and primary caretakers is responsible for:
- shaping all of our future relationships
- strengthening or damaging our abilities to focus, be conscious of our feelings, and calm ourselves
- the ability to bounce back from misfortune
Scientific research reveals the infant/adult interactions that result in a successful, secure attachment, where both people are aware of the other’s feelings and emotions is the necessary precursor for successful relationships. These studies also reveal troubled, or insecure attachment, in which the communication of feelings fails thus resulting in an inability to form the bind needed to establish a solid relationship. Researchers found that in order to have successful adult relationships there must exist in us and we must depend on the ability to:
- manage stress
- stay “tuned in” with emotions
- use communicative body language
- be playful in a mutually engaging manner
- be readily forgiving, relinquishing grudges
The same research also found that when an insecure attachment exists some type of abuse may have caused it, but it is just as likely to be caused by isolation or loneliness. These recent discoveries offer a new glimpse into successful love relationships. Taking these observations into account often provides the keys to identifying and repairing a love relationship that is strained or falling apart.

Insecure attachment affects adult relationships

Insecurity can be a significant problem in all of our lives, and it usually takes root when an infant’s attachment bond fails to provide the child with sufficient structure, recognition, understanding, safety, and mutual accord. These insecurities may lead us to:
- Tune out and turn off-Most often, if our parent is unavailable and self-absorbed, we may-as children-get lost in our own inner world, we become introverted, avoiding any close, emotional connections. This often causes us as adults to become physically and emotionally distant in relationships.
- Remain insecure-If we have parents who are inconsistent or intrusive, it’s more than likely that we will become unrealistically anxious and fearful, never knowing what to expect. Then as adults, we may become willingly available one moment and totally rejecting the next.
- Become disorganized, aggressive and angry-When our early needs for emotional closeness and comfort is neglected, or when a parent’s erratic behavior is a source of disorienting terror, emotional problems are sure to follow. As we grow into adults, we may lack the ability to love easily and may unknowingly be insensitive to the needs of our partner.
- Develop slowly-Problems often occur when we fail to develop as rapidly as we should, both emotionally and intellectually. Such developmental delays often manifest themselves in the form of deficits and often result in subsequent physical and mental health problems, and generally lead to social and learning disabilities.
Lessons Learned From Our Attachment Bond

There are many powerful, life-altering lessons we learn from our attachment bond-our first love relationship continues to teach us as adults. The gut-level knowledge we gained from this bond then guides us in improving our adult relationships and making them secure.

Lesson No. 1-All adult relationships depend on nonverbal forms of communication for their success. These nonverbal communication skills are learned in infancy. Newborn infants cannot talk, reason or plan; yet they are equipped to make sure their needs are met. Infants don’t know what they need, they feel what they need, and communicate accordingly. When an infant communicates with a caretaker who understands and meets their physical and emotional needs an attachment takes place and the strength of that attachment influences other relationships later in life.

Lesson No. 2-Relationships in which the parties are tuned in to each other’s emotions are called attuned relationships, and attuned relationships teach us that:
- nonverbal cues deeply impact our love relationships
- as we play it helps us smooth over the turbulent times we endure in love relationships
- inevitable conflicts can build trusting relationships if we approach them without fear or a need to punish or retaliate
When we can recognize knee-jerk memories, perceive expectations, inappropriate attitudes, unfounded assumptions and improper behaviors as problems resulting from insecure attachment bonds, we can squelch their influence and their effect on our adult relationships. That recognition allows us to readily reconstruct the healthy nonverbal communication skills that ultimately produce an attuned attachment and successful relationship.

Becoming an Adult and Relationship Orientation

As we grow into adulthood, for the most part we bring with us the ideas and communication lessons we have learned from the time of our infancy. Whether these are good or bad depends on our ability to not only view life from our perspective but also have the ability and the willingness to see things from the other person’s point of view as well. When we are able to do that, then we are in a more astute position to deal with situations and circumstances that are adverse to us.

As we move through the adolescent stage of life we find ourselves at odds not only with others but also with ourselves. We want to be an adult with all of its rights and privileges sooner that we can become one, yet at the same time we want to abdicate the responsibility that goes with that station in life. It is a time of being able to make your own decisions and taking authority over your own life, but you are not there yet. You must learn to maintain control of your impulsiveness and your inhibitions. You must be able to objectionably reevaluate your beliefs, see your parents and authority figures realistically, recognize and pursue your God-given talents and goals, and be willing to take ultimate responsibility for yourself. Finally you must be able to accept and appreciate people who are different.

This ability helps us to be able to accept the good and the bad because we are able to address situations in a mature manner. When we are able to do this, we place ourselves into a position of strength, resulting in a proper evaluation of ourselves. Thus we are able to overcome some of the most persistent problems we face daily because now we are not only able to see things in black and white but also in the various shades of gray. As such, we are able to make allowances for our and other peoples mistakes.

We at that point come to realize that everything in life doesn’t have to go our way in order for us to be happy. We gain a new perspective on ourselves, others and God as a result of our changed thinking. We are then able to deal with each other with mercy, in grace, with the understanding that we too make mistakes. When we move into the realm of tolerance and forgiveness, we are able to love others without them having to be perfect.

Yet, in order to accomplish the task and responsibility of growing up we must also be willing to take responsibility and be accountable for those things of which we have been put in charge. Those things include our attitude, tongue, and actions. As we continue to grow in stature and wisdom the maturity level of our life should also increase proportionately.

Differences Between Men And Women

From my experience in dealing with women, (my mother, aunts, seven sisters and many friends and associates) I find that the majority of women are generally oriented towards their existing friendship networks whereas men were more interested in meeting new people and finding people who had similar interests — in other words, men would rather enjoy the adventure of reaching out to new people rather than cementing their existing relationships.

These results contribute to the growing research on social capital, networking and highlight the importance of examining specific interactive applications. The importance of distinguishing between strong and weak ties plays a major role in establishing new relationships. Also, it is necessary to consider the importance of taking into account gender differences in social interaction patterns. Whereas, women increase their bonding social capital as a result of using these sites but men do not. Women, on the other hand, show a decrease in bonding social capital with those whom they meet outside of their normal sphere of influence.

The fear of incorporating emotional intimacy into these association/relationships is mainly due to a fear of rejection and engulfment – a fear of losing the other and/or losing yourself. To overcome this obstacle you must be able to establish an inner bond with yourself. Inner Bonding is a transformational process for healing the fear of intimacy related ideas that have been carried from past experiences.

The mental visualization of these experiences often cause us to digress into a self-contained state of emotional security that hinders our ability to openly tolerate the inconsistencies we see in others. As a result, we ourselves are moved to a protective state and therefore unable to deal with the negative feelings that we will invariably experience. This barrier can block us from resolving issues that in reality are non-issues.

The Immaturity In Adolescence

Struggles with adolescent identity and depression usually set in when an adolescent experiences a loss. The most important loss in their lives is the changing relationship between the adolescent and their parents. Adolescents may also experience strife in their relationships with friends. This may be due to the activities their friends take part in, such as smoking, which causes adolescents to feel as though participating in such activities themselves is likely essential to maintaining these friendships. Teen depression can be extremely intense at times because of physical and hormonal changes but emotional instability is part of adolescence. Their changing mind, body and relationships often present themselves as stressful and that change, they assume, is something to be feared.

Your experiences in life help you to mature. The maturity is developed when you know you have no one to blame for the past but the circumstances and your immaturity. Oftentimes your immaturity stopped you from having a proper perspective of the facts facts and seeing things as they were. This made you blame others for your sufferings. You may have created and escalated your suffering without realizing the facts and circumstances and taking a easy way out by holding others responsible for it.

You feel you are always on the receiving end of every wrong or perceived wrong due to your immaturity. However, life has a knack of replaying memories and after few years it recreates the same circumstances but this time puts you on the opposite side (giving end), you are left with no choice but to accept the fact that you were so immature then and have grow-up with years. As you mature, life makes you see your ‘old you’ in somebody else now in these replaying of circumstances and you know that the other person still has to wait years ahead to grow and realize these facts.

Maturity slowly leads to wisdom when you know that it is only you who has to stand up and take responsibility for your past – action / inaction, sufferings / failures instead of holding others responsible. It is truly said that you create your own happiness. By blaming others and holding grudges you keep happiness at bay and give way to hatred and self pity. However, with time and wisdom when you accept the responsibility for your sufferings and embrace all your successes without pride -you are truly happy.

Divorce And Its Affects On Maturity

Children of divorced parents often bitterly vow not to repeat the same mistakes. They want to avoid putting themselves and their own children through the pain that comes from the dissolution of a marriage. But, according to University of Utah researcher Nicholas H. Wolfinger, these children’s aspirations face unfavorable odds. “Growing up in a divorced family greatly increases the chances of ending one’s own marriage, a phenomenon called the divorce cycle or the intergenerational transmission of divorce.” Dr. Wolfinger has spent almost a decade studying the marriages of children from divorced homes in America. These children are more likely to marry during their teenage years, cohabitate and marry someone who is also a child of divorced parents. And they are also one-third less likely to marry if they are over age 20.

“Understanding the Divorce Cycle: The Children of Divorce in Their Own Marriages,” by Wolfinger, published by Cambridge University Press, contains important information for those interested in divorce and its repercussions. “Divorce is an important topic because it has so many consequences for well-being,” writes Wolfinger,

“Its transmission between generations adds a whole new dimension by perpetuating the cycle of divorce. The divorce cycle, in short, can be thought of as a cascade. Ending a marriage starts a cycle that threatens to affect increasing numbers of people over time, a sobering thought in an era when half of all new marriages fail.” His research also suggests that if one spouse comes from divorced parents, the couple may be up to twice as likely to divorce. Spouses who are both children of divorced parents are three times more likely to divorce as couples who both hail from intact families.

Besides observing the marital stability of the offspring of divorced couples, Wolfinger’s book provides another perspective on how parental divorce affects offspring marriage timing, mate selection, cohabitating relationships as well as historical trends in the divorce cycle. Wolfinger also explores the divorce reform movement in America and argues in favor of no-fault divorce laws, arguing that a return to an age of tough divorce laws would recreate the social conditions that used to make divorce harder on children.

It is my opinion considering all that has been written on this subject that one reason children from divorced families get divorced more often is because they have a tendency to marry as teenagers. Social history demonstrates that the older you are when you marry, the less likely you are to get divorced. It’s good advice for everyone.”

On the other hand, the more transitions children experience while growing up, the more they will experience as adults. Taking this into consideration, the question that needs to be asked is, “What is the hardest for kids is how many disruptions they experience — the up-and-down cycles.

This is a valid question because many children will have stepparents, and some will see their new families dissolve. This type of disruption occurs any time they lose a parent — except from death. That’s different, and doesn’t have the same negative effects on children… whereas divorce is ambiguous. Children wonder whether the divorce was their fault or who is to blame. And they wonder ‘Is he coming back?’” It is certainly good news that people are less likely to stay in high conflict marriages than they used to. However, “ending a low-conflict marriage may hurt children as much as staying in a high-conflict family,” and the odds of divorce transmission are actually highest if parents dissolve a marriage after little or no conflict. It therefore behooves us to evaluate the effects divorce will have upon our children and their emotional well being should we decide to travel that road.

But before making that decision, we should honestly examine ourselves and the motivating things that are moving us in that direction. This inventory, if prayerfully done will allow us to see the other persons point of view more clearly and thereby make the necessary adjustments, where warranted, to resolve the issues that precipitated situation to begin with. If we are truly willing to continue the relationship, then we must take the necessary steps needed to resolve the issues of what is good or bad by first considering what we could have done to alleviate the problem rather than casting blame. When we allow the power of forgiveness to flow in us we cannot only deal with the past and present, but also the future as bonds are cemented.

Gray, Deborah. Attaching in Adoption: Practical Tools for Today’s Parents. Indiana:Perspectives Press Inc., 2002.

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Source by Franklyn T. Johnson, Ph.D

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February 3, 2020
10 Ways to Make Money With Body Painting

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Are you considering making a living (or at least a little money on the side) doing body painting? Is it even possible to make a living doing body painting? Yes, you can make good money as a ‘pro’ body painter, and even kids as young as twelve have made good money (like $500-$400 in an afternoon) doing simple painting techniques like airbrushed temporary tattoos at fairs and festivals.

It may be difficult to believe that there are so many different ways to make money doing body painting. I know that when I first discovered the art of body painting, I thought maybe you could make some temporary money at a party or fair. But there are many, many more possibilities, as you will see.

Here are just 10 of the ways you could get paid to do body painting:

1. Doing body painting at parties. You could hire yourself for a night or a day and get paid either by the hour or a flat fee for the event.

2. Painting party-goers before they go to a party or event. Themed or holiday parties would be a good opportunity for this. Make sure you mention that you could body paint their friends, too!

3. As a professional body painter for the theatre. You could do one show for a discount to get in the door and get some recognition, if you don’t have a track record yet.

4. Travel with the circus as their ‘in house’ makeup artist.

5. Become the official body painter for a dance company. Again, you could work for a low fee or even free to get in the door.

6. Face painting alone opens up several opportunities: parties, festivals, fairs, and special events all are possible places for you to set up shop. Just make sure (as with all these options) that you are using proper, non-allergenic paints meant for face painting alone.

7. Special events like graduations, celebrations, fundraisers, and reunions.

8. Sports events: painting fans in their team colors and symbols has had a long tradition.

9. Festivals around the world. There are several festivals specifically for body painting around the world, but there are many more that would be a great place for body painting. Look up the festivals in your area and find out how to become a vendor and what their requirements and rules are.

10. Teach others how to do body painting. You could hold a one-time workshop, give ongoing group classes or even do an online body painting course (as I am doing).

I hope this gives you some good ideas about how you could make money as a body painting artist. Maybe you have even thought of some ways that I didn’t include…great! Choose one method, research what you need to do to get started, and go for it!

Bonus Tip:

Here’s a secret hint…as you are considering one of the possibilities above. Don’t choose what you think would make you the most money…choose what you think you would happiest and best at doing. You will always make more doing something you love doing, in the long run!

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Source by Jodina Meehan

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February 2, 2020
Terminal Wealth Dispersion, Life Expectancy and Individual Retirement Accounts

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Terminal wealth dispersion is the technical term that describes the variability of the future value of investment portfolios. This inevitable variability means that no one knows what the value of their investment portfolio will be when they reach retirement age or at any time during their retirement. And the uncertainty of individual’s life expectancies compounds this problem.

Hedging against the risks associated with these two factors places an onerous burden on individuals. Although this hedging could result in a very comfortable retirement, if one can afford the hedge and their timing is right, the potential downside risk is so great that it may be deemed unacceptable by many individuals. So one has to ask “Do individuals really prefer to forgo a sure but modest retirement income and play the odds with their retirement savings in hopes of being very well off in retirement?”

With individual accounts, individuals lose the benefit of the pooling of risks. The two risks that force individuals to over-save are investment risk and the risk of living beyond the average life expectancy. In both cases the outcomes, terminal wealth and life span, are highly variable. When the risks are pooled for a large number of individuals over many overlapping life spans, the average outcomes are highly predictable, which is what makes traditional pension plans work so well.

Traditional pension plans exist, for all intents and purposes, in perpetuity. This being the case, they can build reserves during good times in the financial markets and weather the bad times, thus enabling them to make consistent payouts to retirees regardless of the timing of their retirement. Unfortunately, individuals do not get to choose their holding periods or the years of their retirement and must take whatever comes along, and what comes along might be good or it might be bad. Thus individuals must set savings goals that are sufficiently high to hedge against the risk of the average return of an investment portfolio over its holding period falling well short of that which would be expected very long term.

The relatively short duration of individual’s holding periods leave them very susceptible to the effects of market cycles, which are notoriously unpredictable in amplitude and frequency. Being broadly diversified mitigates this risk but does not eliminate it, as it’s entirely possible for a worldwide bear market to occur during one’s holding period. Then at the end of the holding period for wealth accumulation, a second holding period begins, which will be the term of retirement, and this second holding period carries the same risks as the first, but at a time in life when there is no source of income to make up for portfolio under-performance.

The other component of risk that individuals must hedge is the risk represented by the uncertainty of one’s life span, which means that individuals must aim even higher when setting their savings goals. The managers of large pension plans can depend on retirees living on average for only the average life expectancy of employees who reach retirement age. The average life expectancy for someone who reaches the age of 66 is currently 82 years, and 66 is currently the age when workers are eligible for full Social Security benefits, which makes it a reasonable baseline. Based on those assumptions, the average term of retirement would be 18 years and pension plans should only have to be funded to the extent necessary to cover the cost of this average term of retirement.

Individuals, however, don’t know how long they’re going to live, so they must over-save to ensure that they don’t run out of money before they run out of time. This need to over-save is independent of the first need, thus the need to over-save is compounded, i.e., an individual needs to save enough to cover the cost of living well beyond the average life expectancy and the targeted amount of savings at retirement age must be great enough to ensure with a reasonably high level of certainty that the actual amount on hand at retirement is at least the bare minimum necessary to get by on.

A popular estimate of the term of retirement for which individuals must plan is 30 years. Saving enough to cover the cost of a 30-year retirement is a much greater burden than saving for an 18-year retirement, but planning on a shorter retirement exposes individuals to tremendous risk. It also exposes taxpayers to tremendous risk, as individuals who outlive their savings will undoubtedly require some form of public assistance to make ends meet and are likely to become wards of the state when they become physically incapable of caring for themselves.

An individual who bases their retirement saving on living to the age of 96 but only lives to be 82 will have forgone a lot of pleasures in life, such as travel, fine dining and better vehicles, that they could otherwise have enjoyed. But many individuals just don’t have the level of income required to support the saving rate necessary to amass the wealth required to hedge against the downside of terminal wealth dispersion and the possibility of living well past the average life expectancy. For them it’s not a matter of forgone consumption, it’s a matter of going through life with the knowledge that they are likely to spend their golden years living in abject poverty and that that will be their reward for 40 or 50 years of hard work. And it gets worse!

Some economists now believe that within 15 years or so, given the current rate of health care inflation, 100% of Social Security benefits will be spent on medical expenses: Medicare Parts B and D premiums, copayments, uncovered expenses and medigap insurance premiums. If that becomes the case, anyone without substantial savings or a defined benefit pension will be looking for public assistance the day after they retire. Although this is probably a worse case scenario, there is a general consensus that individuals retiring today will need to set aside approximately $180,000 for medical expenses not covered by basic Medicare.

With the situation already at this state, adding private Social Security accounts to the mix would be like throwing gas on a fire, as individual Social Security accounts carry the same risks as other individual retirement accounts. Those who have tried to kill Social Security since its inception find private accounts very appealing. But, not so coincidentally, most of them seem to be in the enviable position of not needing Social Security to support their retirement. More recently, younger workers, too, have come to oppose Social Security, but not for the same reason as the traditional opponents. Young workers may be crushed by the growing burden of Social Security and may never receive any benefits from the system. Those who oppose Social Security simply because it’s a social program should be expending their efforts on reforming it rather than killing it.

If Social Security had been managed like a pension plan rather than the ilconceived system it is, with today’s workers paying for yesterday’s workers’ retirement, its current situation wouldn’t be so dire. Indeed, it might very well be a fully funded, functional system. CalPERS and other large public employee retirement plans have operated successfully for decades, with success being defined as being able to meet their obligations, not having an adverse effect on the financial markets, no scandalous events attributable to malfeasance by the plans’ sponsors and being free of influence from elected officials. There’s no reason that Social Security can’t also be managed in such a manner. It would literally take an act of Congress to do this, but the hardest part for Congress would be letting the system run without their interfering with its operation.

Passing off the burden of retirement to individuals was a great deal for corporations but it’s a very poor deal for most individuals, and extending individual accounts to include the Social Security system would only make a bad situation worse. It’s not a poor deal for all individuals because there will be some who can afford to save a substantial portion of their income and whose holding periods will coincide with bull markets, thus putting their wealth in the upper range of their terminal wealth dispersion, and who also live a long, healthy life. They will be the ones who benefit from over-saving and living beyond the average life expectancy, but they may end up forfeiting a portion of their wealth in the form of taxes to support the less fortunate. I don’t believe that is what the public expects from a well-conceived system.

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Source by Mike Kennedy

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January 29, 2020
12 Benefits and 12 Challenges of Being an Entrepreneur

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All over the world, people are breaking free from the traditional employment model and choosing to achieve business success as entrepreneurs. Will you be the next?

Let’s start by covering 12 of the most commonly-mentioned benefits of being an entrepreneur to inspire you on your journey:

1. You can choose your own schedule.

2. You are free to travel.

3. You can take sick days or vacation days whenever you need them.

4. If there are necessary tasks you don’t enjoy or have time for, you can outsource them.

5. You can select your own employees.

6. Learning to be a better boss also teaches you to be a better employee.

7. Your innovative ideas have a chance to shine unfettered.

8. You do not have to wear a uniform or follow a company dress code.

9. You enjoy better job security than most people.

10. Entrepreneurship teaches you the benefits of hard work.

11. You can always feed your curiosity by learning more about every aspect of your business.

12. Your ambition can always drive you to greater heights and business success.

As you can see, entrepreneurship is becoming popular because it comes with a whole new lifestyle for those who are willing to seize it.

Of course, entrepreneurship isn’t all sunshine and freedom. According to the United States Small Business Association, a third of small businesses fail within the first two years, and more than half fail within the first five years.

Not surprisingly, the challenges of entrepreneurship represent the flipside of the advantages we discussed above:

1. Choosing your own schedule can result in wasted time without the proper time-management skills.

2. Even while traveling, it may be necessary to handle work-related crises, because you are basically always “on call.”

3. There are no paid sick days or vacation days, so you must decide how much each day off is worth to you.

4. You are responsible for completing any tasks you can’t afford to outsource.

5. Hiring employees means you must learn how to conduct interviews, uphold workers’ legal rights, and coordinate payroll.

6. If you don’t yet have the leadership capabilities to direct others, you will be taking a crash course once you hire freelancers or employees.

7. You must narrow all of your innovative ideas down to the ones that have the most potential to help you achieve business success.

8. If you don’t maintain a professional appearance in person and online, it is sure to reflect poorly on your company.

9. You are responsible for funding your business, even if you’re operating at a loss.

10. Only results are profitable, not time clocked, so it’s possible you will work hard and still end up disappointed.

11. You must be familiar with each aspect of how your business operates, including those which may not interest you, to ensure everything is running smoothly.

12. Only you can motivate yourself to achieve business success.

To sum it up, let’s say that with freedom comes responsibility. If you can’t handle one, you aren’t yet ready for the other.

Of course, I don’t believe people should give up on their dreams. Just be sure to arm yourself with knowledge and understand what you are getting yourself into.

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Source by Evelyn Gawlowska

Views: 0

January 26, 2020
Addiction Marketing

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“Addiction Marketing” is a phrase I coined a few years back while waiting in line for my drink at Starbucks. I was observing the mass of people who like lost explorers in the desert rushing for an oasis seemed to be desperate for their daily (if not more frequent) fix of caffeine. It was at that moment that I realized that one of Starbucks key business drivers, if not their most critical business driver, was that Starbucks sells products that cater to peoples addictive tendencies. What Starbucks has done better than many other addictive marketers is that they also make it cool and trendy to succumb to your addiction. In today’s blog post I’ll examine addiction as a key success factor in business.

When I was in school economics professors would lecture on using supply and demand drivers to create a business advantage…business professors would evangelize the strengths of the recurring value and stability of consumable products…marketing professors would espouse the benefits of relationship marketing, but nowhere do I recall being able to register for a class on addiction. However if you think about “Addiction Marketing” you’ll quickly realize what the “media pushers” on Madison Avenue and the product development and marketing gurus in the corporate world have known for years…all people have their unique set of vulnerabilities that if creatively and effectively exploited will lead to strong sales and powerful brands.

If you read the business news over the weekend you’ll have noticed that the Indian government is attempting to force Coca Cola and Pepsi to divulge the formulas to their popular beverage products. One of the charges being upheld in the Indian High Court is that Coke and Pepsi products are addictive and unhealthy…Hmmm…Examine the following representative list of successful businesses and/or industries and come to your own conclusions as to whether these businesses or industries prey on the addictions of consumers world-wide to generate their revenue:

Las Vegas – The tagline “What happens in Vegas stays in Vegas” caters to virtually every possible addiction under the sun…Sin City lives up to its reputation.

Tag Body Spray – Tag’s recent commercial campaign has taken the phrase “Sex Sells” to a whole new level…In this campaign all an adolescent male needs to do is to spray himself with the Tag product and he finds himself instantly being attacked by hordes of attractive young women…If you have a teenage son, it would be a safe bet that Tag is his cologne of choice.

The Beer and Alcohol Industry – You will be hard pressed to find a beer or alcohol company that doesn’t portray consumption of their beverage as the key ingredient to a lifestyle of fast cars, beautiful women, successful careers, etc.

The Tobacco Industry – The tobacco industry has been publicly hammered for selling products that leverage the addictive effects of Nicotine and even with all the known health hazards smokers face, in many instances the addictive nature of the product is greater than peoples ability to make a logical decision.

I don’t think anyone will dispute the examples noted in the above list as obviously preying on consumer’s addictive tendencies. However what about the more subtle side of the addiction business? Isn’t Starbucks using the same addictive business tactics as those industries listed above? What about companies in the luxury products sector? Companies that sell high end products and services cater to the elitist attitudes of this segment allowing consumers to make statements about their socioeconomic status based on the products they purchase. Is this not also catering to addictive tendencies?

OK, now I’ll hit a little closer to home…What about my company’s value proposition? We sell success…Is it not possible to look at success as being an addiction? How about the social networking industry? Are social networkers and bloggers addicted to the interaction, attention, etc. that the new media platform affords? While I could go on, I think my point has been made…I’m certainly not implying that all consumers are addicts, nor am I implying that all companies are “pushers”, but I am pointing out that addiction marketing sells and that many companies use this as a strategic advantage. In fact, I believe the evidence is clear that a business can create a strong strategic advantage in sustainability if they find no ethical flaw in what I’ve coined as “Addiction Marketing”.

The bottom line is that I love to travel and watch movies and I don’t think it makes me an escapist…I have a penchant for Starbucks (venti caramel frappacinos in particular) and I don’t think I’m a caffeine addict, I appreciate the fine clothes and quality automobiles and I don’t believe that makes me a social elitist. However I have also come to realize that my perceived addictive tendencies are clearly attempting to be preyed upon by creative and intelligent marketing and product development efforts. I’ll leave you with the following questions to ponder:

What is the difference between pleasure and addiction?

Do you feel “Addiction Marketing” is ethical?

Does your company partake in addictive marketing strategies and tactics?

And, when was the last time you made a purchase based upon your addiction?

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Source by Mike Myatt

Views: 0

January 26, 2020
Mercury Retrograde As Healing

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Oh no! Mercury retrograde! Well… not so fast.

It happens every time Mercury goes retrograde (the effect that makes the planet appear to travel backwards in the sky). Things go wrong-well, thanks a lot mercury retrograde. It’s an ingrained response. And it reveals a not-so-hidden problem (if a generally ignored one).

Mercury, of course, doesn’t really go backwards – it simply appears to do so from our perspective on Earth. And that’s the heart of the matter – perception. We see an elliptical orbit from our own elliptical spinning. It distorts reality.

You know this, of course, and that “mercury retrograde” refers to the astrological energetic correspondence. But consider – what is simply an ongoing cycle is perceived as ups and downs. It’s neither. It just is, a fundamental reality.

And that’s the problem with “my current troubles are because mercury is retrograde.” No, they’re not. Rather, mercury retrograde is shining a light on fundamental problems. Literally – the foundation is lacking, creating the perception that problems have abruptly come about that were actually a long time coming.

There’s disruption – True. But the fault isn’t negative energy.

I had a strained conversation with my dad. My partner said something dismissive. My muscles are sore and stiff. And I’m feeling a bit overwhelmed. Mercury retrograde, right? (And let’s not forget the annoying slow Internet speed). I even blew up a wheelbarrow tire yesterday, just pumping air back into it after it went flat.

The problems here, though, are fundamental. My dad and I have had awkward conversations for years. My partner and I have busy schedules and don’t always communicate well. Instead of rotating cardio, weights, and swimming at the gym, I did all three one day, then stacked firewood the next. My schedule is too packed, and I already knew that three months ago (will be better shortly). The Internet is often slow here (trying to get a new provider to come in). And the tire was ancient.

Foundations build potentials – constant yang eventually fails.

Yin energy is about potential. Before I undertake strenuous physical tasks, I have to build up over time. Before I can have open conversation when topics are difficult, I have to build trust and connection over time. Before I can enjoy fast services, I need the supporting infrastructure in place. Tires don’t last forever, and need to be inspected and maintained. And schedules packed tight don’t work.

We’re mainly all about the yang energy. But just like mercury, it travels in circular motion (and not in a straight line and then back, however it might appear). We push and strive and force and stubbornly persist, working against nature herself, thinking we have to do so, but fooling only ourselves.

Research shows multi-tasking is a myth (we can do both tasks separately faster than both together). “Overwhelmed” is an over-reaction we invented for dramatic effect (“whelmed” means exactly the same thing). And no matter how far you need to drive, you’ll have to stop and get fuel. Vehicle maintenance is a good idea too. If not – you’ll be sitting at the side of the road.

Healing can’t be all yang (if you want to remain healthy)

No one ever says: “Hey, I’d like to work on the fundamental pieces creating the health, emotional, and spiritual challenges I’m facing. Ever. Instead, it’s mostly “can you just do a session and fix this?” Frankly, sometimes yes, that can happen, but that’s not ultimately the best approach.

Trees grow extensive root systems before branching into leafy canopies – or they’d fall at the first strong wind. Busy successful and happy people don’t “find” time to meditate-they know that an hour of focus in the morning is the reason for their continued happiness and success. Schedules can be more organic and realistic by making choices and delegating (“but I have to do these things because no one else can” is a lie we all tell ourselves). And 1 in 25 people never get sick, their entire lives – because they understand (and continually practice) balance.

That’s why to pursue more than straight healing sessions

Self-healing, integrating levels of being, getting unstuck, building effective meditation practice, understanding and overcoming long-term pain, overcoming emotional challenges, the 12 keys to healing-these essential building blocks help you learn to live in wholeness and ongoing health – including thriving in spiritual balance.

Some people do monthly combination programs, so they can benefit from both healing sessions and program material to heal and to maintain their health, their mental and emotional peace and balance, and to best show up in the world to thrive as the beautiful people they always were and were meant to be.

Because Mercury doesn’t travel back and forth on a straight line. And neither does healing. For ongoing health and progress, you must master circular effort.

So thank Mercury for the reminder. Then turn your attention to fundamentals.

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Source by Tim Emerson

Views: 0

January 23, 2020
Book Review Of Millionaire Fastlane

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Book Review of Millionaire Fastlane by M.J. Demarco

This book is one of the best books on Entrepreneurship in which the author lays out five commandments to be on the Millionaire Fastlane. According to the author, until and unless the business complies with the five commandments, they are not destined to be successful. These commandments are:

Commandment of Need, Entry, Control, Scale and Time (NECST).

Commandment of Need:

Millionaires affect lives of millions of people by adding some values to their lives and hence are millionaires. If the marketplace does not care about your product or service then it is not going to add value to the marketplace and it is a failed venture before it takes off. So, every business should first figure out if there is a need for the service or product your business is going to deliver or not.

So, we have seen test products being sold for free to test the water. All they are doing is trying to figure out if there is any demand or not.

People often start business with wrong reasons. They are good at something and very skilled and open a business about it. But if the marketplace does not care about it, it’s going to be a failure because marketplace is a selfish place. It does not care what you want, what you have, how good you are. All it cares about it is what is it for them. If it adds some value to their lives then they will buy it otherwise not. So, it’s a big eye opener for me and could be for so many budding entrepreneurs.

Commandment of Entry:

This is the second commandment to successful business. If the barrier to entry is very easy it means millions will be doing the same thing and you will not have the ability to scale your business but rather will have to decrease the price and compete those millions. Usually war of price harms all the parties. For example if creating a website and writing a blog and generate income is your business then there is not enough barrier to entry unless you try to add something extra value to the marketplace which not anyone else has added yet. An example which the author gives few times is when he thought about starting Limo business. He found it failed both the first and second commandments. There was no need for one more limo business and barrier was very low to enter into this business.

Commandment of Control:

If you have no control over your business and you have given entire authority to another party, you are doomed to failure.

Many entrepreneurs start a company and then hire a CEO or CFO to completely take control of operation or finance. They know nothing about what is going on and that is the recipe to failure. Especially when entrepreneurs do not have any basic financial knowledge like what is loan mortgage, how to calculate simple interest but hire an expert to help them make decisions. Since they themselves cannot take a second look at the decisions made by their advisers, chances are that they might screw up and entrepreneur will have to bear the loss.

One of the examples given in the book about the benefit of controlling the business is given as the following. If you are a doctor working at a private-care facility it’s natural to think that you are on the fastlane because your magnitude (price/unit) is large and that will increase the net profit and hence wealth. But, the control of the private care facility is not held by the doctors but by the owner. So, it’s him who is on the fastlane not the doctor who depends on his intrinsic value to increase the wealth.

Commandment of Scale:

The author gives an example of a burger stall outside a supermarket. No matter how much the owner tries, he cannot scale his business and reach out to customers outside of the supermarket. So, this business violates the commandment of scale. But an e-store that sells some product in the internet has unlimited number of customers and hence has the capacity to scale his business to unlimited level. However, if the entrepreneur can create franchise of any burger store then he has the ability to scale and will be on the fastlane.

The author gives an example of a quote by the billionaire Mark Cuban who said it only one business to be successful. So, it’s important that we undertake projects which can be scaled up. In baseball terms, take swing for home runs not singles. If you do decide to play singles, you have to replicate the effort many more times.

The Fastlane wealth equation is:

Wealth = Net Profit + Asset Value

Net Profit = Units sold * Unit Profit

The leverage is created by the units sold. If you are selling burgers on the supermarket lot, you are limiting the leverage and hence you are on the speed limit of 15 mph road. Also, you cannot increase the price of the burger so the unit profit cannot be controlled as well.

So, either you have to be able to reach millions of people to increase the Units Sold quantity or sell at very high price to extra wealthy clients to increase the unit profit values.

Commandment of time:

Time is the scarcest resource we have. Most people spend money frugally and time freely. That according to the author is exactly the wrong way to the road to wealth. Time is limited and money is abundant. Only difference between successful and unsuccessful people is the way they spend their time. The former value each moment of their life and spend it to increase their self-worth. The latter waste it on fulfilling their immediate desires like watching TV series, indulging in games etc. for long period of time etc.

As per the author, fastlane is not an easy path but sure it should be a fast way to earn wealth.

As a fastlaner, our goal should be to automate the travel. If you have a business which requires you to dedicate each moment of your life all the time and always have to trade time for money, it’s a job masked as a business. It’s a money tree that never grows.

It’s normal to work more than 80 hours per week in the starting phase of a business but it’s not normal to work like that for the rest of the life which is a normal for most of the people working normal life. One of the famous quotes from the book which is often used outside as well is about how most of the people define as normal. Normal is to wake up at 6 am, fight traffic, work 8 hours or slave 8 hours Monday to Friday, save 10% and repeat for 50 years. Normal is to believe that stock market will make us rich and fastest car and bigger house will make us happy. The definition of normal is corrupted by the society and we are conditioned to believe that. In short, the author believes, normal is modern day slavery and that’s why only few have the courage and the intelligence to come out of normalcy and drive on a millionaire’s fastlane.

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Source by Manju Pradhanang

Views: 0

January 23, 2020
How to Uncover Your MLM Prospect’s Motivation

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When talking to a MLM prospect or a new team member it is vitally important to discover their primary motivating factor. What makes them want to join your business? Or if they have already joined why did they join?

In order for anybody to succeed in MLM they must have a big enough “Why” – why did they join? What is it that they are trying to achieve? It’s all well & good if they say “financial freedom” is their goal, but what exactly does that mean to them, & why is it so important to them? After all, the phrase “financially free” can mean a multitude of things to different people. Some people may think they have achieved financial freedom if they have their mortgage paid for along with their monthly expenditure such as utility bills & groceries. However others will think they have achieved financial freedom when they can travel the world first class, never look at the prices on menus when eating at top class restaurants or the price tags on clothes. To others it would be sending their kids to private school & not having to worry about not having enough money to provide a roof over their heads.

Of course it’s not always about money it could be that money is not a problem but time is, time to spend with the kids, time to take a relaxing break, time to take their partner out for a nice dinner…

Without knowing what motivates your MLM prospect or new team member you cannot help them reach their goals. I’ve mentioned this in other articles, if you help enough people get what they want then you will get what you want, but how do you do this if you don’t know what it is that they “want”?

In his book “Questions are The Answers” Allan Pease* describes a great method to find out people’s primary motivating factor. Ask your prospect or new team member “do you know why people start a Networking Business”? If they say “No” then you simply say “let me show you”. If they say “yes” you ask them to tell you why, listen to what they have to say & when they have finished you ask “any more” They will say “no” then you say “let me show you” and you produce the following list;

Extra Income

Financial Freedom

Have Own Business

More Spare Time

Personal Development

Helping Others

Meeting New People

Retirement

Leave a Legacy

Then ask them the following questions;

1. WHAT IS YOUR NUMBER 1 PRIORITY?

2. WHY DID YOU PICK THAT ONE?

3. WHY IS THAT IMPORTANT TO YOU?

4. WHAT ARE THE CONSEQUENCES OF NOT HAVING THAT OPPORTUNITY?

5. WHY WOULD THAT WORRY YOU?

Make sure after every question that you listen to what they have to say without interruption or comment, just go through the questions one after the other in the order above. When you have finished you will have identified their primary motivation.

You can now tailor the rest of your talk to describe how your MLM opportunity can help them get exactly, what it is that they want. Don’t be surprised if some people become emotional when going through the above questions, after all you are delving deep into what is important to these people & what motivates them. The reasons are often very personal & so some people will inevitably become emotional.

Finding out someone’s primary motivating factor is essential if you want to help them build a successful MLM Business, if you fail in establishing their “why” then it is very unlikely that you can help them & in turn yourself to succeed.

*Questions are the Answers by Allan Pease, Published by Manjul.

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Source by John Mac

Views: 0

January 21, 2020
Animal Spirit Guide – Panther Medicine – Astral Magic

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Spirit of the dark moon,

traveller of the astral world.

Master magician,

a seer of the nights secrets.

Metaphysical Meaning

Astral Travel, Spiritual, Secretive, Silent, Elegant, Valor, Connected to the Moon, Solitary, Feminine, Ancient Mysticism, The Crone ( Old wise woman ), Guardian Energy, Power and Strength, God of darkness, Courage, Old Soul, Reclamation of power, Superior telepathic communication, Loners, Visionary, Shape shifter, Sensuality, Distant Healing, No Fear, Alchemy, The Goddess, Self empowerment, Symbol of the shaman.

Spiritual Symbolism

Panther augers a time of awakening and uplifting the inner passions which drive our own personal life force. Panther medicine amplifies all the senses and redirects our psychic spiritual energy, to create a highly focused manifestation, seen by others as personal power and magic. Panther spirit symbolizes settling into your own self, being comfortable with yourself bringing forth great personal power. Panther allows us to recognize our own personal sense of purpose in life, and develop a strong spiritual understanding of why you are here.

A Black Panther maybe smaller than lions and tigers but are the mightier aggressors with superior talent. Panther asks us to look deep into our dark feminine side, our fears, secrets and subconscious. If we learn to become comfortable with our dark side, it will bring healing light to the hidden sides of ourselves. The path of the hero is undertaken by the panther spirit.

Totem Animal / Spirit Guide

Panther spirit people encourage others positively through their own zest for life and quest for realizing ones dreams and desires. Panther reminds us to release our fears acknowledge our own power and accept our dark shadow selves. Panther helps in honoring ones own feelings. Panther spirit people have contained in them, the knowledge of the cosmos and other worlds, communicating with beings on an astral level.

Out of body experiences accompany panther as your spirit guide, her medicine is extremely powerful, magically transferring this to you, allowing a state in which astral travel is not only achievable, but controllable too. Panther spirit people have a healing element behind the look in their eyes, giving way to telepathic healing. On the other hand a panthers stare is transfixing, slightly hypnotic and will instill the fear of death inside of the one looking back at her. Panther spirit people are often prophets and healers with universal insight.

Mythology from around the world

Native American Indians the Tucano of the amazon, thought the roar of the panther was the roar of thunder. Symbolizing black panther as the god of darkness causing eclipses by swallowing the sun. In Egyptian mythology the panther is connected with the Crone of the crossroads, Hecate. In China Panthers were embroidered on the robes of Generals in the belief that the Panther’s valor and ferocity would be passed on to the wearer.

Within the Egyptian Book of the Dead, the king Pepi must pass through the ceiling of heaven wearing his panther skin. Draping the skin across his shoulders symbolized he had eliminated his desires for the earthly realm and its materialistic energy.

How do you know if Panther is needed in your life or is your spirit guide?

If you feel as though you need to protect someone in your life at the moment, panther spirit is lurking, offering her assistance. Having Panther come to you in your dreams is a strong message that she wishes you to observe her medicine. Nightmares or frightening dreams of panther is not negative it simply means you are not accepting nor seeing clearly your true self. Being passionate about panthers is a sign you have a connection with her. Being given unknowingly a picture or ornament of panther is a sign of her presence and a spiritual message to study her magic.

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Source by Ian G Scott

Views: 0

January 15, 2020