How To Travel As a Broke College Student

Step 1: Take Advantage of all Opportunities and Resources.

As simple as it sounds, you may not realize all the opportunity there is surrounding you whether it is at school or with friends and family. At first it might start off with family vacations when you’re younger and then sooner or later, mom and dad might start asking you where YOU would like to go. Take advantage! Family trips are always going to be the cheapest when mom and dad got you covered! Have friends or family living in a different state or country? Take a visit! Not only will you have a place to stay, but you basically have your own personal tour guides that can help you get acquainted with the area. But beyond using family and friends, there are resources you have at school too! Going through the school, having a solid group and getting all of that scheduled in advance, I was able to save a ton of money. And now that I’m in college, there are TONS of destinations you can go to study abroad and actually live there!

Step 2: Consider All Options.

As much as I want to travel, I know being in college I can’t exactly go everywhere any time I please. Create an order or list of all the top destinations you absolutely need to travel to. For me personally, I’d rather not go to the same place twice when I can go to a new place and have a fresh, new experience. Years ago I put Spain at the top of my bucket list. Now, after patiently waiting and not participating in the average spring breaks, not only am I able to live there for a few weeks, I will be able to visit at least three more different destinations while being abroad, knocking one by one off the bucket list.

Step 3: PLAN→ SAVE

Set aside a jar or box and make that your travel money bank. Whether you set aside $5 every few days or week or even opt out on going out to eat or drinking with friends and instead, put that money in the box, you’ll see how much can quickly add up. For birthdays or holidays, instead of asking for materialistic things you might not need, ask for donations towards your travels. It helps when you tell your family exactly where you want to go, what you want to do there and how happy it will make you. The faster you start saving, the easier it will be when the time comes to purchase your ticket. Aside from saving, start getting your plans together. The more you do your research, the more money you can save yourself and the more you can prepare your budget. I found that if you try and plan each of your days out, it saves you money from too much day shopping, food spending or even wasting money on rip off activities that were a waste of time.

7 Wealth Secrets

Money is power; it can be a vital source of happiness and a paramount entity for some people. The gurus can give you hundreds of secrets to becoming wealthy. But, the catch to the “get rich soon” equation is simply a law of attraction. On the contrary, some people ruin their lives by becoming hungry for money that results in destroying and harming themselves and others.

Although, a healthy monetary asset is essential to survive in the world, which also demands a comprehensive understanding of how the money game operates. We leave you with 7 wealth secrets that will enhance your income:

Acceptance:

Firstly, to understand the game, it is vital that you acknowledge the universal truth, which is to acquire heaps of money. Once the mindset changes, you can strive to make your first million. Setting smaller and achievable goals can help you get focused.

Don’t be Negative about it:

Secondly, try not to utter phrases like “I am poor”. Picturing yourself to be rich can attract a lot of resources. It is vital to have an empowering mindset, which says; through my mental capacity and hard work I can achieve any task. The first person to convince in this situation would be you.

Taking your own wealth as a responsibility:

For instance, by creating wealth and jobs for others, you would create some for yourself. Not only that, you are also responsible for your family, stakeholders, and employers. A positive contribution to the society is only possible when you simultaneously have more than one income stream.

Find a mentor:

Stick to like-minded friends and family members who are equally passionate about wealth. Searching for an industry mentor is probably the best thing you could do. By far some of the best teachers of life lessons are these mentors. Making excellent friends allows you to create an aura of success around you.

Make an outstanding use of all the resources that you have:

Time is a virtually the best resource, it is an incalculable asset. Time is everywhere, you have a lot of it, but how do you spend it?

Financial resources are secondary when we talk about time, therefore we must not waste it. You can make principles for smart time management. If you work well in the morning, then allocate it to time-consuming tasks.

Make a habit of saving:

Rest assured, the money that you earn will not last, so it is better to start investing in stocks, property, and gold. Hiring a team of financial advisors can be an option later on.

Make money flow through various sources:

Further, having more than one source of income would be a preeminent task. Once you have started to pay you bills and taxes, then you can focus on reinvesting the money into investment schemes. Opportunities would start to flow in your direction, with plenty of options as a back up.

By applying the rules mentioned above, you can achieve a sound financial independence. The law of attraction only works if you do. It clearly states that you can bring positivity in your life by focusing on positive thoughts. Likewise, remember, “What you seek is seeking you”.

5 Top Tips To Pick The Best Forex Trading Signals

Forex trading signal providers send alerts to traders with specific entry and exit specifications for potential trade opportunities. They send alerts when the market conditions are right for a trader to be entered into.

For technical analyst signal providers, trading styles may vary from short-term 5 minute charts to longer term 4 hour or daily charts. Other signal providers may be strictly news based fundamental analysts or a combination of both fundamental and technical.

Trading signals can be very useful for traders when it comes to identifying potential profiting opportunities in the markets which they otherwise may have missed.

Here are 5 top tips to pick the best Forex trading signals.

Tip one: Select one that gives you signals in time

Many currency trading signals can be very effective and can help you to make consistent profits from the markets. Nevertheless, you have to make certain that they can deliver their trading signals punctually since timing is crucial for currency trading. Always remember that their timing will be highly impacted by the way they deliver the signal to you – for example, emails may take longer to reach you than pop alerts.

Tip two: Providers who offer several ways to get your signals

Another important thing to consider is the method by which your Forex trading signals provider will deliver the trading signals to you. If you cannot commit to spending all day at your computer, you may prefer to get your alerts via your mobile phone rather than via email. Similarly, if you are on your computer for most of the day, you may be better off receiving you alerts as a pop up notification or email. Be sure that the provider that you pick fits your trading needs and lifestyle.

Tip three: Check the performance of the provider

Make sure they post their current and past performance online with complete trade details from entry price to exit. Also, use them for a minimum of one to two months with a free demo trading account to test the validity and success rate of the signals your receive. If everything looks good and their trade reporting matches yours and you are profitable, then at that time make the switch to a live account.

Tip four: Find out about who the signal providers are

This one is a must. You’ll need to be able to learn about the traders and the company behind the Forex trading signals you decide to use. Why? Because as far as you know the person behind a site could be a 16-year-old geek living in his mom’s basement (nothing wrong with living in your mom’s basement, but this may not be the kind of person you want to trust with you money and trading career.)

Tip five: Sign up for just a month first

Choosing the best currency trading signal software requires a good amount of research, comprehension of your trading needs, and quite often it just requires you to look around and sign up for a 1 month subscription to a Forex trading signals provider.

This way, you can test the signals you receive, work out what type of delivery method works best for you and see if you wish to continue using the alerts for future trades.

While Forex trading signals can help you find good entry and exit points for your trades, they are never 100% accurate. This is why it is important that you try a few providers out first to see which ones work out best for you and your trading style – using the tips above should help you to do this.

Coastal Vacations – Is it a Scam?

You often get confused about coastal vacations as a fraud because, many things are said regarding its business opportunities and travel packages. Firstly, coastal vacations is an organization of businesspersons who buy the travel package and market the same travel package at a reasonable or wholesale price.

Below answered questions will help you to understand the reality of coastal vacations. We hope that this help you make an educated decision if this home based business is right for you.

Is Coastal Vacation A Fraud And Going To Shut Down In Future?

You need to know that the coastal organization works only with licensed companies. It bonds with companies participating since last 10 to 20 years and which manage thousands of customers yearly.

Royal Caribbean, Carnival Cruises, Wyndham, Alamo Car Rental, Acess and Celebrity are the ethical travel industries that offer coastal vacations.

How Can The Cost Value Of Vacation Package Be Just Only $1,295?

For this, you have to understand working principles of the vacation and travel companies. They are based on the charge of resort or cruise stay or the dependency of the airline tickets on probable and vacancy rates.

Very occasionally, a resort achieves full accommodation. The empty resort rooms add up to their expense. Hence, resorts reduce the rates of rooms and offer special packages, in order to draw more tourists to their resorts.

Moreover, people are more inclined to shell off money on bars, restaurants, casinos, shops, and souvenir. This is another fact that Coastal vacation organizations buy resorts in huge quantities.

Why Coastal vacations are not public traded company?

A coastal vacation is associated with Board of Director. Most of the coastal vacations have lawsuit. Hence, to stay with the lawsuit limits, it is not publicly traded. Moreover, you are also not aware about the lawsuits against some of the big MLM and home based business companies. Generally, lawsuits offer protection to coastal organizations from unsatisfied clients.

There are unsatisfied customers no matter which company that you may look into. Since, Coastal Vacations is an organization and every entrepreneur is owner of its business, it cannot be shut down. A coastal vacation gives you the opportunity to get travel package at reasonable wholesale price.

In conclusion, I did not join Coastal Vacations. While you can find very nice discounts on travel, the compensation plan needs to be improved. As with any 2-up program, a lot of people end up with no sponsor to be found and looking for someone to help them succeed. The truth is your sponsor has very little desire for you succeed since you are now his competition. I would really avoid any business that is an 2-up program.

Evil Ways Of Making Money – What The Rich Won’t Tell You

‘Evil ways of making money–what the rich won’t tell you’ declares that you need not be physically aggressive to make millions. You just have to be emotionally aggressive.

People who use their fist to get their way always end up charged with rape, thief, and all round fraud. Their bestiality makes them poor and unhappy. But those who have intense deceptive emotions look innocent but deadly. They are charming polite people intentionally presenting an exterior of innocence but they are exploitive. Their crime is not a crime though it could be a sin. They are not stealing, but borrowing, only that they won’t give it back.

The book is a practical and profitable money making guide that looks at the world of deception, corporate racket, and shows that there is hardly any activity, any enterprise of the super rich that is not tingle with evil. The rich have embraced the biggest risk that the poor dare not venture. Righteousness is seen as a tie and a hindrance hence the more honest you are, the less likely you will be rich. Frankly, there’s no way, on the basis of your salaries and allowances from the day you graduate, that you can be a millionaire, least a billionaire. It is impossible, except by embezzlement.

Poverty is the greatest illness man has ever suffered from. If you are fed up with poverty, you need to delude others, play on the ignorance of financial institutions, utilize the weakness of the law, create an illusion, bribe your way, and manipulate anything and everything to your advantage. It’s a never play by the rule, never pay in cash, never tell the truth game. You must genuinely and sincerely fake honesty. Have no conscience, no guilt, no sense of remorse, for money is made with debt, tax games, paper shuffle, arrogance, and wild and unpredictable swings.

Don’t waste your time building your resume, download the book free at [http://www.oxcheck.com] and learn the trick that works for achievers. When you read this work, your only regret will be that you didn’t see it early.

The 40 Percent Rule

What is the 40 percent rule? Well for starters it is a game changer when it come to building wealth. I have read over 100 books on investing and personal finance. I do not recall coming across the 40 percent rule. I discovered the rule by reading The Millionaire Playbook, by Grant Cardone.

I got excited when I read it. It gives a different perspective on building wealth. An aggressive game plan to help you become a millionaire. One concept is saving to invest. Not saving to save. That’s where the 40% rule comes in. Save 40% of your gross income and put it into your “Sacred Accounts” until you are ready to invest it to create more income. Sacred accounts are accounts where you never touch the money.

40% of your income is some major cheese from your paycheck. That is a huge lifestyle change especially if you are living paycheck to paycheck and in major debt. This will leave you broke most of the time but it is how the wealthy build their wealth. This is how the wealthy stay… WEALTHY.

Rich Vs. Wealthy

There is a difference between rich and wealthy. You get rich before you get wealthy and as Chris Rock said, “The ball player is rich, the guy paying the ball player is wealthy.” Bruckminster Fuller said wealth is measured in time. How long can you not work while your assets produce income? Wealth produces more wealth and it can withstand economic downturns. Look how many people stayed wealthy during the past recession.

How to Do the 40 Percent Rule

First decide that you are going to start building wealth. It’s simple not easy. Take baby steps. I couldn’t save 40% in the beginning and I was already putting 20% of my income towards paying down my debts. So I started with 4%. That was manageable and I moved up gradually. Now it’s automatic and I don’t even miss it.

If you read The Richest Man in Babylon, by George S. Clauson, then you are familiar with, “A Part Of All You Earn Is Yours to Keep”. Saving 10% of your income and 20% to pay down your debts. Now just bump your saving up to 40%. As I mentioned earlier it is a game changer.

Sacred Accounts

Remember this is wealth building. You are saving so you can invest into income producing assets. This will take time. Use time wisely. Research investments that will produce more income streams. I chose real estate because it is not a fad and dependent on technology. People need to shop, eat, and live. Real estate takes care of that.

Emergency Fund

I suggest you have an emergency fund. Start with $1000. It is for emergencies only. Life always brings a crisis several times a year. But ever since I have had an emergency fund I haven’t had any financial emergencies. I have had this for several years. I have never had to dip into it. This is not an investment. It’s cash to take care of the unforeseen.

Your Income Increases

Stash away all of your bonuses, raises, and surges of income. Put that in your sacred accounts. You don’t want expenses rising to meet income. Continue to drive a wedge between expenses and income. Put all your increases into the sacred accounts.

Pull The Trigger

After some time you will have enough to start investing. I don’t know how long it will take you. I know my mentor saved for 8 years before he pulled the trigger. He turned that investment in to a $5 million dollar profit a couple of years later. He pulled the trigger after he felt confident and made sure he could get his money back. This isn’t gambling.

He got a great deal because he had access to cash. Money loves speed and when you are liquid you can pounce on opportunities. There are awesome deals everyday which people miss out on because they don’t have access to capital. This is why saving to invest is so important.

Just Start

Here is what you need to do now:

1. Open up your sacred accounts. (I have one for real estate and business investing). Chose accounts where you will not have immediate access to the money. Online savings accounts are great and pay a higher interest rates.

2. Decide how much you are going to save. Start with your first paycheck, commission, or any other income. Even if it is 1% that’s better than nothing. It’s easier if you have automatic deductions. That way you won’t miss it.

3. This is a lifelong activity. Keep going until you die.

How to Choose Your Tour Operator

India is as unique as the one of Seven Wonders of the World Taj Mahal.It is a land which has its own charm with its own culture, history and tradition. When you are on the tour of India, you will see its

overwhelming monuments, heritage temples & interesting history.

Tours to any destination get successful when it would be arranged by right tour operator. There are hundreds of tour operators in India, who can arrange any tour to India, but only few tour operators can make your travel as memorable as a child remembers his childhood. Comprehensive planning, cool hospitality & a good organization make a tour successful.

While traveling to India, many peoples have bad experience, which make them anxious to organize tour with any Indian tour operator. Poor guides, payments not made on time to the agencies or devastating services, are often feedbacks of tour operators, which are not cheering, hence here a question arise that how to choose a right travel partner or tour operators. So there are some guidelines which will enhance your believe to organize a well plan.

Choose foremost tour operator that have a long record in travel trade, which can be easily find out on the internet. While selecting any travel company, be sure & check out that the company where you are

putting your money is recognized by national & international bodied of tourism & travel trade.

Many Tour Operator in India, offers various tour packages which includes Adventure tours, Architectural tours, Cultural tours, tribal tours, wildlife tours, Spiritual tours, Beach tours & also special interest tours like Yoga & Meditation tour etc. These tour operators also offer Car rental services, air & hotel bookings, itinerary planning and many more.

A well tour planner knows the requirements of the traveler & this is essential to choose the right partner while tour to India or on any other destination of this world.

A Brief Introduction To Blockchain – For Normal People

Crypto-what?

If you’ve attempted to dive into this mysterious thing called blockchain, you’d be forgiven for recoiling in horror at the sheer opaqueness of the technical jargon that is often used to frame it. So before we get into what a crytpocurrency is and how blockchain technology might change the world, let’s discuss what blockchain actually is.

In the simplest terms, a blockchain is a digital ledger of transactions, not unlike the ledgers we have been using for hundreds of years to record sales and purchases. The function of this digital ledger is, in fact, pretty much identical to a traditional ledger in that it records debits and credits between people. That is the core concept behind blockchain; the difference is who holds the ledger and who verifies the transactions.

With traditional transactions, a payment from one person to another involves some kind of intermediary to facilitate the transaction. Let’s say Rob wants to transfer £20 to Melanie. He can either give her cash in the form of a £20 note, or he can use some kind of banking app to transfer the money directly to her bank account. In both cases, a bank is the intermediary verifying the transaction: Rob’s funds are verified when he takes the money out of a cash machine, or they are verified by the app when he makes the digital transfer. The bank decides if the transaction should go ahead. The bank also holds the record of all transactions made by Rob, and is solely responsible for updating it whenever Rob pays someone or receives money into his account. In other words, the bank holds and controls the ledger, and everything flows through the bank.

That’s a lot of responsibility, so it’s important that Rob feels he can trust his bank otherwise he would not risk his money with them. He needs to feel confident that the bank will not defraud him, will not lose his money, will not be robbed, and will not disappear overnight. This need for trust has underpinned pretty much every major behaviour and facet of the monolithic finance industry, to the extent that even when it was discovered that banks were being irresponsible with our money during the financial crisis of 2008, the government (another intermediary) chose to bail them out rather than risk destroying the final fragments of trust by letting them collapse.

Blockchains operate differently in one key respect: they are entirely decentralised. There is no central clearing house like a bank, and there is no central ledger held by one entity. Instead, the ledger is distributed across a vast network of computers, called nodes, each of which holds a copy of the entire ledger on their respective hard drives. These nodes are connected to one another via a piece of software called a peer-to-peer (P2P) client, which synchronises data across the network of nodes and makes sure that everybody has the same version of the ledger at any given point in time.

When a new transaction is entered into a blockchain, it is first encrypted using state-of-the-art cryptographic technology. Once encrypted, the transaction is converted to something called a block, which is basically the term used for an encrypted group of new transactions. That block is then sent (or broadcast) into the network of computer nodes, where it is verified by the nodes and, once verified, passed on through the network so that the block can be added to the end of the ledger on everybody’s computer, under the list of all previous blocks. This is called the chain, hence the tech is referred to as a blockchain.

Once approved and recorded into the ledger, the transaction can be completed. This is how cryptocurrencies like Bitcoin work.

Accountability and the removal of trust

What are the advantages of this system over a banking or central clearing system? Why would Rob use Bitcoin instead of normal currency?

The answer is trust. As mentioned before, with the banking system it is critical that Rob trusts his bank to protect his money and handle it properly. To ensure this happens, enormous regulatory systems exist to verify the actions of the banks and ensure they are fit for purpose. Governments then regulate the regulators, creating a sort of tiered system of checks whose sole purpose is to help prevent mistakes and bad behaviour. In other words, organisations like the Financial Services Authority exist precisely because banks can’t be trusted on their own. And banks frequently make mistakes and misbehave, as we have seen too many times. When you have a single source of authority, power tends to get abused or misused. The trust relationship between people and banks is awkward and precarious: we don’t really trust them but we don’t feel there is much alternative.

Blockchain systems, on the other hand, don’t need you to trust them at all. All transactions (or blocks) in a blockchain are verified by the nodes in the network before being added to the ledger, which means there is no single point of failure and no single approval channel. If a hacker wanted to successfully tamper with the ledger on a blockchain, they would have to simultaneously hack millions of computers, which is almost impossible. A hacker would also be pretty much unable to bring a blockchain network down, as, again, they would need to be able to shut down every single computer in a network of computers distributed around the world.

The encryption process itself is also a key factor. Blockchains like the Bitcoin one use deliberately difficult processes for their verification procedure. In the case of Bitcoin, blocks are verified by nodes performing a deliberately processor- and time-intensive series of calculations, often in the form of puzzles or complex mathematical problems, which mean that verification is neither instant nor accessible. Nodes that do commit the resource to verification of blocks are rewarded with a transaction fee and a bounty of newly-minted Bitcoins. This has the function of both incentivising people to become nodes (because processing blocks like this requires pretty powerful computers and a lot of electricity), whilst also handling the process of generating – or minting – units of the currency. This is referred to as mining, because it involves a considerable amount of effort (by a computer, in this case) to produce a new commodity. It also means that transactions are verified by the most independent way possible, more independent than a government-regulated organisation like the FSA.

This decentralised, democratic and highly secure nature of blockchains means that they can function without the need for regulation (they are self-regulating), government or other opaque intermediary. They work because people don’t trust each other, rather than in spite of.

Let the significance of that sink in for a while and the excitement around blockchain starts to make sense.

Smart contracts

Where things get really interesting is the applications of blockchain beyond cryptocurrencies like Bitcoin. Given that one of the underlying principles of the blockchain system is the secure, independent verification of a transaction, it’s easy to imagine other ways in which this type of process can be valuable. Unsurprisingly, many such applications are already in use or development. Some of the best ones are:

  • Smart contracts (Ethereum): probably the most exciting blockchain development after Bitcoin, smart contracts are blocks that contain code that must be executed in order for the contract to be fulfilled. The code can be anything, as long as a computer can execute it, but in simple terms it means that you can use blockchain technology (with its independent verification, trustless architecture and security) to create a kind of escrow system for any kind of transaction. As an example, if you’re a web designer you could create a contract that verifies if a new client’s website is launched or not, and then automatically release the funds to you once it is. No more chasing or invoicing. Smart contracts are also being used to prove ownership of an asset such as property or art. The potential for reducing fraud with this approach is enormous.
  • Cloud storage (Storj): cloud computing has revolutionised the web and brought about the advent of Big Data which has, in turn, kick started the new AI revolution. But most cloud-based systems are run on servers stored in single-location server farms, owned by a single entity (Amazon, Rackspace, Google etc). This presents all the same problems as the banking system, in that you data is controlled by a single, opaque organisation which represents a single point of failure. Distributing data on a blockchain removes the trust issue entirely and also promises to increase reliability as it is so much harder to take a blockchain network down.
  • Digital identification (ShoCard): two of the biggest issues of our time are identify theft and data protection. With vast centralised services such as Facebook holding so much data about us, and efforts by various developed-world governments to store digital information about their citizens in a central database, the potential for abuse of our personal data is terrifying. Blockchain technology offers a potential solution to this by wrapping your key data up into an encrypted block that can be verified by the blockchain network whenever you need to prove your identity. The applications of this range from the obvious replacement of passports and I.D. cards to other areas such as replacing passwords. It could be huge.
  • Digital voting: highly topical in the wake of the investigation into Russia’s influence on the recent U.S. election, digital voting has long been suspected of being both unreliable and highly vulnerable to tampering. Blockchain technology offers a way of verifying that a voter’s vote was successfully sent while retaining their anonymity. It promises not only to reduce fraud in elections but also to increase general voter turnout as people will be able to vote on their mobile phones.

Blockchain technology is still very much in its infancy and most of the applications are a long way from general use. Even Bitcoin, the most established blockchain platform, is subject to huge volatility indicative of its relative newcomer status. However, the potential for blockchain to solve some of the major problems we face today makes it an extraordinarily exciting and seductive technology to follow. I will certainly be keeping an eye out.

What Does Liability Mean on Your Car Insurance?

Liability insurance is very important and most state auto insurance laws require that an individual maintain at least liability insurance on their automobile. What it does is protect you against costs that are associated with the damage and injury of another in an automobile accident in which you may be deemed at fault.

There are two parts to the policy. There is property damage liability and bodily injury liability. It is pretty easy to guess that property damage liability is going to protect you against any cost and damage that is associated with damaging another person’s physical property and that bodily injury liability is going to protect you against the personal injury inflicted on someone else as a result of the accident.

Usually, there are some numbers that a person may see on their policy. These numbers usually look like this: 50/100/25. Now what this means is that the policy is split up into three different amounts each policy can be different depending on what the individual chose when they opened the policy. In this case, 50/100/25 means that the insurance will pay for the bodily injury of an individual in an amount up to $50,000, will pay for the bodily injury costs on everyone in a vehicle in an amount up to $100,000, and will pay property damage costs up to $25,000.

Every vehicle requires its own level of liability insurance depending on what state you are located in. It is important to know what your state’s auto insurance requirements are so that you have an idea of what you would have to pay in your insurance premium.

The cost

Liability insurance is cheaper than full coverage insurance that also includes damages from theft, natural disaster, and vandalism. Liability only covers costs associated with an accident so that you do not lose your hard earned assets in a lawsuit. There are have been cases in which a person has been sued for more that what they have in coverage, but the liability insurance does lessen the blow. However, a person can pay for different levels of liability insurance to ensure that they will not be “taken for everything they’ve got.” Not having enough insurance can still have a heavy impact on a person’s life when an accident occurs.

No one intends on hurting another and they usually do not purposely engage in an auto accident because there is so much trouble involved, including the possible loss of the vehicle. That is why it is important to carefully assess how much car insurance you think you will need. Liability insurance is rather affordable. Some states have a minimum requirement of 20/40/10, but you could carry something such as a 50/100/50 if you think you need it. The cost is still not going to be much.

Just remember…

Don’t forget that if you set your limits too low you could be setting yourself up for financial disaster even though you have insurance. This is to be considered carefully. It is easy to make the decision to save money by paying the lowest premium possible, but paying the lowest premium possible could later result in the loss of your assets. It is also important to remember that liability just covers bodily injury and property damage. If a tree falls on your home during a wind storm, it is then time to assess your options. However, liability insurance will protect you from those nasty lawsuits that may come your way as a result of an accident. That in itself makes it more than worth the money because you have the peace of mind that most or all your assets are protected.

How To Reset Your Financial Thermostat

Where is your financial thermostat set? Is it set way up high for wealth and abundance or way down low for “Not Enough?” Is it set for striving or thriving? The answer is easy. Just look at your life. Your thoughts and beliefs about money are reflected in precise detail in your environment. What is your environment telling you? Whether you live a life of wealth, poverty, or somewhere in between, it’s all determined by where your financial thermostat is set.

Your financial thermostat is so hard-wired that, whether you experience a major setback or a huge windfall, ultimately you will find yourself back where you started. That’s why lottery winners are so often broke again in two years. If your financial thermostat is set for “Poverty,” any wealth that comes to you will be a memory before you know it. On the other hand, if your financial thermostat is set for “Midas Touch,” you will move through any financial reversals and regain (or exceed) your high level of prosperity with ease and grace. Think Donald Trump. Even though at one point he was more than $2 Billion in debt, his financial thermostat is set for “Billionaire!” and he’s back on top with an estimated net worth of $5 Billion.

As children, we were taught how to think about money. We were taught how much or how little we can have and how difficult or easy money is to come by. Some of us were taught to think of rich people as greedy and to believe that having money is bad or not spiritual. Although your financial thermostat was set in childhood by others, the good news is that it’s YOUR thermostat now and you can reset it for any level of prosperity you desire.

Let’s start with a little quiz:

  • Do you experience more scarcity and lack or wealth and abundance?
  • Do you believe you can have what you truly desire or do you settle for what you think you can afford?
  • Are you a good money manager or does money “slip through your fingers?”
  • Do you work hard for your money or do you let your money work hard for you?
  • Does it seem that, no matter how much money comes in, there’s never enough?

How’d you do? Did you notice any “stinking thinking” around money? If so, it’s a good time to reset your financial thermostat. Here are five ways to raise your thermostat and become a vibrational match for ever-flowing abundance:

(1) Replace old, tired, limiting beliefs with fresh, empowering beliefs, such as:

  • This is a Universe of Abundance and I freely and joyously tap into that Abundance.
  • I know I can be and do and have whatever I desire.
  • I am an excellent money manager.
  • My money works hard and I work smart.
  • I am so happy and grateful now that I know there’s always enough.

(2) Write a new script for your financial life. Cast yourself in the leading role as a hero, as a winner, as a huge success, and write a new story of wealth and riches. Not only is this a fun exercise, it’s also a powerful way to raise the setting on your financial thermostat.

(3) Keep an Abundance Journal and record every penny that comes to you. When you receive income in any form, write it down, appreciate it and declare with joy “I am a money magnet!”

(4) Commit to your financial success. Stay focused on the level of prosperity you desire, take inspired action and hang in there until you see the evidence (Ka-Ching!) that your financial thermostat has been reset for “Big Bucks!”

(5) Associate with positive, successful people. Birds of a feather flock together, right? Reading books, attending seminars, and spending time with like-minded people who encourage you to believe in your success and teach you how to think like a rich person are great ways to raise your financial thermostat.

So what do you think? Are you ready to release any poverty consciousness you picked up along the way? Are you willing to consciously choose thoughts and actions that contribute to abundance and success? As you raise your financial thermostat to allow in more money, you are at the same time raising your overall vibration to allow in more love, more joy, more health, more confidence, more peace of mind, and more fun adventures of all kinds. It’s a package deal. Take a moment now to imagine and savor how fantastic you will feel and how magnificent your life will become as you reset your financial thermostat to “Sky High!”