Poem To Mom n Son

Poem to MOM  

My son came home from school one day,
With a smirk upon his face..
He decided he was smart enough,
To put me in my place.

'Guess what I learned in Civics Two,
that's taught by Mr. Wright?
It's all about the laws today,
The 'Children's Bill of Rights.'

It says I need not clean my room,
Don't have to cut my hair
No one can tell me what to think,
Or speak, or what to wear.

I have freedom from religion,
And regardless what you say,
I don't have to bow my head,
And I sure don't have to pray.

I can wear earrings if I want,
And pierce my tongue & nose.
I can read & watch just what I like,
Get tattoos from head to toe.

And if you ever spank me,
I'll charge you with a crime.
I'll back up all my charges,
With the marks on my behind.

Don't you ever touch me,
My body's only for my use,
Not for your hugs and kisses,
that's just more child abuse.

Don't preach about your morals,
Like your Mama did to you.
That's nothing more than mind control,
And it's illegal too!

Mom, I have these children's rights,
So you can't influence me,
Or I'll call Children's Services Division,
Better known as C.S.D.'

Mom's Reply and Thoughts

Of course my first instinct was
To toss him out the door.
But the chance to teach him a lesson
Made me think a little more.

I mulled it over carefully,
I couldn't let this go.
A smile crept upon my face,
he's messing with a pro.

Next day I took him shopping
At the local Goodwill Store...
I told him, 'Pick out all you want,
there's shirts & pants galore.

I've called and checked with C.S.D ..
Who said they didn't care
If I bought you K-Mart shoes
Instead of those Nike Airs.

I've canceled that appointment
To take your driver's test.
The C.S.D. Is unconcerned
So I'll decide what's best. '

I said 'No time to stop and eat,
Or pick up stuff to munch.
And tomorrow you can start to learn
To make your own sack lunch.

Just save the raging appetite,
And wait till dinner time.
We're having liver and onions,
A favorite dish of mine.'

He asked 'Can I please rent a movie,
To watch on my VCR?'
'Sorry, but I sold your TV,
For new tires on my car.
I also rented out your room,
You'll take the couch instead.
The C .S..D. Requires
Just a roof over your head.

Your clothing won't be trendy now,
I'll choose what we eat.
That allowance that you used to get,
Will buy me something neat.

I'm selling off your jet ski,
Dirt-bike & roller blades.
Check out the 'Parents Bill of Rights',
It's in effect today!

Hey hot shot, are you crying,
Why are you on your knees?
Are you asking God to help you out,
Instead of C.S.D..?'

100 Dollar - Touching Story

A man came home from work late, tired and irritated, to find his 5-year old son waiting for him at the door.

 

SON: "Daddy, may I ask you a question?"

DAD: "Yeah sure, what is it?"

SON: "Daddy, how much do you make an hour?"

DAD: "That's none of your business. Why do you ask such a thing?"

SON: "I just want to know. Please tell me, how much do you make an hour?"

DAD: "If you must know, I make $100 an hour."

SON: "Oh! (With his head down).

SON: "Daddy, may I please borrow $50?"

The father was furious.

DAD: "If the only reason you asked that is so you can borrow some money to buy a silly toy or some other nonsense, then you march yourself straight to your room and go to bed. Think about why you are being so selfish. I work hard everyday for such this childish behavior."

 

The little boy quietly went to his room and shut the door.

The man sat down and started to get even angrier about the little boy's questions. How dare he ask such questions only to get some money?

After about an hour or so, the man had calmed down, and started to think:

Maybe there was something he really needed to buy with that $ 50 and he really didn't ask for money very often. The man went to the door of the little boy's room and opened the door.

 

DAD: "Are you asleep, son?"

 

SON: "No daddy, I'm awake".

DAD: "I've been thinking, maybe I was too hard on you earlier. It's been a long day and I took out my aggravation on you. Here's the $50 you asked for."

 

The little boy sat straight up, smiling.

SON: "Oh, thank you daddy!"

Then, reaching under his pillow he pulled out some crumpled up bills. The man saw that the boy already had money, started to get angry again. The little boy slowly counted out his money, and then looked up at his father.

 

DAD: "Why do you want more money if you already have some?"

 

SON: "Because I didn't have enough, but now I do.

 

"Daddy, I have $100 now. Can I buy an hour of your time? Please come home early tomorrow. I would like to have dinner with you."

The father was crushed. He put his arms around his little son, and he begged for his forgiveness. It's just a short reminder to all of you working so hard in life. We should not let time slip through our fingers without having spent some time with those who really matter to us, those close to our hearts. Do remember to share that $100 worth of your time with someone you love? If we die tomorrow, the company that we are working for could easily replace us in a matter of days. But the family and friends we leave behind will feel the loss for the rest of their lives. And come to think of it, we pour ourselves more into work than to our family.

 

Plan your finances, be your own CFO

How is managing money in your household similar to managing your finances in a company? Are there personal finance lessons you can learn and strategies you can apply from the business world?

Investmentyogi tells you how to think like a CFO (chief financial officer) and manage your money professionally.

A company exists to earn revenues by selling products or services, managing expenses and earning profits. The goal of any company is to have more revenue and less expenses thereby maximising profits. Most companies of the world have this objective at the very core. Every other strategy revolves around this.

A CFO's role is to:

• Be responsible for company's financial situation
• Make investments for the company taking into consideration risk and liquidity
• Borrow money at the best possible rate
• Maintain a healthy debt/equity ratio
• Monitor and control cost, expenses
• Forecast and prepar the company for financial contingencies             

What if you look at yourself as a company and try to assign a CFO's role to yourself? Do you see the similarities here? You will be doing pretty much the same things with your personal finances.

Revenue
A company earns revenue by doing its business which can be selling a product or some kind of service. You also earn revenue by offering your services to someone else. You are being paid for that every month. This is your top line. Just like a business your aim is also to increase your revenue either by switching jobs or getting a promotion.

Other income

Companies sometimes make money from secondary sources for example their investments into government bonds, other companies etc. The same is true with an individual. You also have other sources of income like giving out your home on rent, investments in mutual funds, stocks or sale of property.    

Fixed cost

A business has certain fixed cost like machinery, office rental, debt repayment etc. You also have monthly fixed costs like home rent, EMIs, school fees for your children. You always need money to make these payments.

Variable cost

Businesses have variable costs which vary from one month to another. For example salaries paid, raw material used, electricity consumption etc. You have monthly variable costs like groceries, transportation, entertainment, dining out. The figure will vary from one month to another.

Taxes
You have to pay taxes on your revenue (income tax) just as companies pay taxes on their profits. You try hard to minimise your tax liability and so does a CFO.

Interest
If a company has taken loan from a bank of other financial institution for factory, machinery or any other operations then a part of its revenue goes into paying back this debt just as you have to pay EMIs for taking home loan, car loan.

Your capital structure (debt/equity ratio)

Every company needs money for its operations and for that it takes equity capital from investors (either private investors or stock market) and takes debt (in the form of loans from banks and other institutions). The CFO decides how to borrow and how much. The debt to equity ratio is crucial as it impacts the future of the business. Moreover the right structure is different for different kind of businesses.

If you look at your personal money as portfolio, a lot of similarities can be seen. You have a strike a balance between how you invest in debt instruments (like FD, PPF, bonds, NSC etc) and equity like stocks and mutual funds. It will depend upon your income, savings, age, risk profile and future goals. If you think like a CFO it will be so much easier to accomplish this task. You will have to ascertain the right capital structure for yourself. The difference is that companies borrow money using a combination of debt and equity whereas individuals need to invest.

Your profit and loss statement

 Prepare your own P&L statement just as the CFO of an organisation does. Here's how:

Total Income = Revenue + Income from other sources

Total Expenditure = Fixed cost + Variable cost + Taxes + Interest

Savings (Profit) = Total Income - Total Expenditure

See if you are a profit-making entity or a loss-making one. Calculate your profit margin like this:

Profit Margin = (Savings/Total Income) x 100

Ask yourself this question: are my savings enough to achieve my financial goals? Am I on track? If the answer is yes then good for you otherwise you will have to improve profit margin or savings which can be done either by increasing the net income or decreasing the total expenditure. Secondly, you will have to think of making investments which will have a balance of risk vs return, depending on your particular situation

A financial plan helps you look at your finances from a strategic perspective and transforms you into your own CFO. Take control of your finances today!

 

You Sang to Me...

 

Oh... 
I just wanted you to comfort me 
When I called you late last night you see 
I was fallin' into love 
Yes, I was crashin' into love 
Oh of all the words you sang to me 
About life, the truth and being free, yeah 
You sang to me, oh how you sang to me 

Girl, I live off how you make me feel 
So I question all this being real 
'Cause I'm not afraid to love 
For the first time I'm not afraid of love 

Oh, this day seems made for you and me 
And you showed me what life needs to be 
Yeah, you sang to me, oh you sang to me 

All the while you were in front of me I never realized 
I just can't believe I didn't see it in your eyes 
I didn't see it, I can't believe it 
Oh but I feel it 
When you sing to me 
How I long to hear you sing beneath the clear blue skies 
And I promise you this time I'll see it in your eyes 
I didn't see it, I can't believe it 
Oh but I feel it 
When you sing to me 

Just to think you live inside of me 
I had no idea how this could be 
Now I'm crazy for your love 
Can't believe I'm crazy for your love 
The words you said you sang to me 
And you showed me where I wanna be 
you sang to me, oh you sang to me 

All the while you were in front of me I never realized 
I just can't believe I didn't see it in your eyes 
I didn't see it, I can't believe it 
Oh but I feel it 
When you sing to me 
How I long to hear you sing beneath the clear blue skies 
And I promise you this time I'll see it in your eyes 
I didn't see it, I can't believe it 
Oh but I feel it 
When you sing to me 

All the while you were in front of me I never realized 
I just can't believe I didn't see it in your eyes 
I didn't see it, I can't believe it 
Oh but I feel it 
When you sing to me 
How I long to hear you sing beneath the clear blue skies 
And I promise you this time I'll see it in your eyes 
I didn't see it, I can't believe it 
Oh but I feel it 
When you sing to me 

All the while you were in front of me I never realized 
I just can't believe I didn't see it in your eyes 
I didn't see it, I can't believe it 
Oh but I feel it 
When you sing to me 
How I long to hear you sing beneath the clear blue skies 
And I promise you this time I'll see it in your eyes 
I didn't see it, I can't believe it 
Oh but I feel it 

Principles for Peace of Mind..

Principles for Peace of Mind..

1. Do Not Interfere In Others' Business Unless Asked.
Most of us create our own problems by interfering too often in others' affairs. We do so because somehow we have convinced ourselves that our way is the best way, our logic is the perfect logic and those who do not conform to our thinking must be criticized and steered to the right direction, our direction. This thinking denies the existence of individuality and consequently the existence of God.. God has created each one of us in a unique way. No two human beings can think or act in exactly the same way. All men or women act the way they do because God within them prompts them that way. Mind your own business and you will keep your peace.


2. Forgive And Forget:

This is the most powerful aid to peace of mind. We often develop ill feelings inside our heart for the person who insults us or harms us. We nurture grievances. This in turn results in loss of sleep, development of stomach ulcers, and high blood pressure. This insult or injury was done once, but nourishing of grievance goes on forever by constantly remembering it. Get over this bad habit. Life is too short to waste in such trifles. Forgive,20Forget, and march on. Love flourishes in giving and forgiving.

3. Do Not Crave For Recognition:

This world is full of selfish people. They seldom praise anybody without selfish motives. They may praise you today because you are in power, but no sooner than you are powerless, they will forget your achievement and will start finding faults in you. Why do you wish to kill yours lf in striving for their recognition? Their recognition is not worth the aggravation. Do your duties ethically and sincerely.
4. Do Not Be Jealous:

We all have experienced how jealousy can disturb our peace of mind. You know that you work harder than your colleagues in the office, but sometimes they get promotions; you do not. You started a business several years ago, but you are not as successful as your neighbor whose business is only one year old. There are several examples like these in everyday life. Should you be jealous? No. Remember everybody's life is shaped by his/her destiny, which has now become his/her reality. If you are destined to be rich, nothing in the world can stop you. If you are not so destined, no one can help you either. Nothing will be gained by blaming others for your misfortune. Jealousy will not get you anywhere; it will only take away your peace of mind.

5. Change Yourself According To The Environment:

If you try to change the environment single-handedly, the chances are you will fail. Instead, change yourself to suit your environment. As you do this, even the environment, which has been unfriendly to you, will mysteriously change and seem congenial and harmonious.

6. Endure What Cannot Be Cured:

This is the best way to turn a disadvantage into an advantage. Every day we face numerous inconveniences, ailments, irritations, and accidents that are beyond our control... If we cannot control them or change them, we must learn to put up with these things. We must learn to endure them cheerfully. Believe in yourself and you will gain in terms of patience, inner strength and will power.

7. Do Not Bite Off More Than You Can Chew:

This maxim needs to be remembered constantly. We often tend to take more responsibilities than we are capable of carrying out. This is done to satisfy our ego. Know your limitations. . Why take on additional loads that may create more worries? You cannot gain peace of mind by expanding your external activities. Reduce your material engagements and spend time in prayer, introspection and meditation. This will reduce those thoughts in your mind that make you restless. Uncluttered mind will produce greater peace of mind.

8. Meditate Regularly:

Meditation calms the mind and gets rid of disturbing thoughts. This is the highest state of peace of mind. Try and experience it yourself. If you meditate earnestly for half an hour everyday, your mind will tend to become peaceful during the remaining twenty-three and half-hours. Your mind will not be easily disturbed as it was before. You would benefit by gradually increasing the period of daily meditation. You may think that this will interfere with your daily work. On the contrary, this will increase your efficiency and you will be able to produce better results in less time.


9. Never Leave The Mind Vacant:

An empty mind is the devil's workshop. All evil actions start in the vacant mind. Keep your mind occupied in something positive, something worthwhile . Actively follow a hobby. Do something that holds your interest. You must decide what you value more: money or peace of mind. Your hobby, like social work or religious work, may not always earn you more money, but you will have a sense of fulfillment and achievement. Even when you are resting physically, occupy yourself in healthy reading or mental chanting of God's name.

10. Do Not Procrastinate And Never Regret:

Do not waste time in protracted wondering " Should I or shouldn't I?" Days, weeks, months, and years may be wasted in that futile mental debating. You can never plan enough because you can never anticipate all future happenings. Value your time and do the things that need to be done. It does not matter if you fail the first time. You can learn from your mistakes and succeed the next time. Sitting back and worrying will lead to nothing. Learn from your mistakes, but do not brood over the past. DO NOT REGRET. Whatever happened was destined to happen only that way. Why cry over spilt milk?

Six Silent Tears

Last night before went to bed

Thoughts of you filled my head

Though I have not cried this way in many years

Onto my pillow fell six silent tears

The first was for your smile that I miss

And your tender lips I long to kiss

The second was for your angle face

And thoughts of your loving embrace

The third came as no suprise

As I thought of your beautiful eyes

The fourth came rolling

Instead of my pillow, it should have been you I was holding

The fifth came for one reason alone

I felt my love for you wasn't fully shown

I really love and miss you my dear

And there just fell the sixth silent tear.

 

The Youngest Web Designer Girl Of the World

The web world web is under the feet of this 10-year-old petite girl from Kozhikode in Indian state Kerala. Sreelakshmi Suresh was born in 1998 to lawyer Suresh Menon and a school teacher mother Viju Suresh. And she made the news headlines not now. Some good two years back, when she was only eight by designing her own school’s website `www.presentationhss.com’

This extraordinaire girl has won several honours, scrolls and awards from all over the world. Moreover, she is CEO, no less, of her own company eDesign Technologies. Almost a brand of herself in webworld, Sreelakshmi is ambassador of an IT company and is on the director board and partner too.

Wikipedia notes that she has been noted as one of the youngest award winning web designers in the world. The Association of American Webmasters, who has made her a member of the society, testifies that she is their youngest and the only member under-18- years-of-age.

Ruling United Progressive Alliance chairperson Sonia Gandhi honoured Sreelakshmi, fondly called Sreekutti, with National Child Award for Exceptional Achievement 2008 and a medal at a function held at Vigyan Bhavan in New Delhi in the presence of the then Union Minister for Women and Child Development Renuka Chowdhury and Communications Minister A. Raja. Not just this proud national honour.

The honours list Sreelakhsmi received from all over the globe itself is impressive. Just take a look: Global Internet Directories Gold Award, American Webmasters Association Merit Award, Association of American Webmasters Official membership, Majon Web Select Seal of Excellence Award, Webmasters Ink Award for Excellence in Web Design, AIHC Platinum Award, WM8C Stamp of Excellence Award, 37th Texas Web Award, Mom’s Global Award for Inspirational Website 2006, Golden Web Award (all from the United States); Art Space World Web Award of Excellence 2006-07, Sixty Plus Education Award, Penmarric Bronze Award (all from Canada); Feeblemind’s Award of Excellence, La Luna Niche Best of the Web Award, The Webuilders TS Gold Award (from the United Kingdom); Planeta Foto Silver Award , Poetic Soul Award ( all from Brazil); and among others.

From India, Sreelakhmi was chosen as National Child Award for Exceptional Achievement 2008, Swadeshi Science Movement Excellence Award 2007, Thapasya Excellence Award 2007, Lions Clubs Big Achiever Award 2007 and 2008 and Varnam 2007 Puraskaaram, among others.
One of the honours given by Association of American Webmaster with its official membership is a rare that too for girls of her age.

When tiny-tots who play activity books or toys or cycles or glued to TV with Tom and Jerry, Ben10, Mr Bean et al, Sreekutti toyed with ‘mouse’ and a home PC. At four she was initiated into computers by her father who is a lawyer at Kozhikode bar and for past 3-4 years she immersed into web designing.

Open www.presentationhss.com Sreelakshmi’s first-ever web designed site, one will be impressed. A scroll read: This website designed by Sreelakshmi Suresh, the ‘Youngest Web Designer Girl of the World’, a class of IV, C division pupil.

The links on www.presentationhss.com show usual history, curriculum, admissions et al it also has a link ‘student enquiry’. Through this link parents can ask for information of their kid.

According to Suresh and Viju her parents, Sreekutti used to dabble with Microsoft’s paint and brush software programme for couple of hours and they directed her to do something different. Suresh linked her to the WWW and blogs.

Then, as they say, is history.

Her mother Viju had been quoted saying in local media that their girl baby took to ‘programmes like fish take to water’.

Sreelakshmi started began designing, as usual, with those of nears and dears, neighbours and finally ‘clicked’ to limelight by designing her school’s website.

So far she had designed a dozens include her own personal one www.sreekutty.com and as any other designer imagines, her dream is to make her www.tinylogo.com to be a logo based search engine!

Don’t be surprised Sreelakshmi is star in her school. And her teachers who support her all the way quip: “Sreelakshmi is an inspiration for grown-ups as well”.

All this Kerala prodigy seeks is only blessings from everyone.

 

USED vs LOVED

While a man was polishing his new car, his 4 yr old son picked up stone and scratched lines on the side of the car.

In anger, the man took the child's hand and hit it many times not realizing he was using a wrench.

At the hospital, the child lost all his fingers due to multiple fractures.

When the child saw his father..... with painful eyes he asked, 'Dad when will my fingers grow back?' The man was so hurt and speechless; he went back to his car and kicked it a lot of times.

Devastated by his own actions...... sitting in front of that car he looked at the scratches; the child had written 'LOVE YOU DAD'.
The next day that man committed suicide. . .

Anger and Love have no limits; choose the latter to have a beautiful, lovely life & remember this: 
Things are to be used and people are to be loved.
The problem in today's world is that people are used while things are loved.

Let's try always to keep this thought in mind: 

Things are to be used,
People are to be loved.

Watch your thoughts; they become words.
Watch your words; they become actions.
Watch your actions; they become habits.
Watch your habits; they become character;
Watch your character; it becomes your destiny.

I'm glad a friend forwarded this to me as a reminder.. 
I hope you have a good day no matter what problems you may face 
it's the only day you'll have before it's over.

 

 

Stress Levels...

 

 

What happens to your email account after you die?

 

 Saving that parting e-mail from your first love in your inbox? Well, chances are, after you pass away, your spouse and the entire family will know about the long held secret.

This is because web email services like Hotmail and Gmail do not let users specify what should happen to their messages when they die.

In fact, email services owned by Internet giants like Google and Microsoft have a policy of keeping your data after you die and letting your next of kin or the executor of your estate access it.hese services can hold tens of thousands of messages.

Accounts with Google's Gmail can hold up to 7GB - or roughly 70,000 emails with a small to medium picture attached to each and they archive the messages you've written as well as received.

When it comes to deleting the data, Microsoft's Hotmail will remove an account if it is inactive for 270 days, while Gmail leaves the responsibility to the next of kin.

Of the top three providers, only Yahoo! refuses to supply emails to anyone after the user has died. The user's next of kin can ask for the account to be closed, but cannot gain access to it.

A Yahoo! spokesperson said the only exception to this rule would be if the user specified otherwise in their will.

Meanwhile, social-networking site Facebook has recently publicised a feature called memorialisation that lets the family of deceased users keep their profile page online as a virtual tribute.

MySpace, on the other hand, says it addresses the issue of family access to sensitive data on a "case by case basis".

A spokesperson for MySpace could not rule out letting a user's next of kin log into their profile - potentially giving them access to private messages. (ANI)

 

The Mayonnaise Jar

 When things in your life seem, almost too much to handle, When 24 Hours in a day is not enough, Remember the mayonnaise jar and 2 cups of coffee.

 A professor stood before his philosophy class and had some items in front of him. When the class began, wordlessly, He picked up a very large and empty mayonnaise jar and proceeded to fill it with golf balls.

 He then asked the students, if the jar was full. They agreed that it was.

 The professor then picked up a box of pebbles and poured them into the jar. He shook the jar lightly. The pebbles rolled into the open Areas between the golf balls.

 He then asked the students again if the jar was full.  They agreed it was.

 The professor next picked up a box of sand and poured it into the jar. Of course, the sand filled up everything else. He asked once more if the jar was full. The students responded with a unanimous 'yes.'

 The professor then produced two cups of coffee from under the table and poured the entire contents into the jar, effectively filling the empty space between the sand.  The students laughed.

 'Now,' said the professor,   as the laughter subsided, 'I want you to recognize that this jar represents your life.

 The golf balls are the important things - family, children, health, Friends, and Favorite passions –  Things that if everything else was lost and only they remained, Your life would still be full.

The pebbles are the other things that matter like your job, house, and car.

The sand is everything else --The small stuff.

 'If you put the sand into the jar first,'  He continued, there is no room for  the pebbles or the golf balls. The same goes for life.

If you spend all your time and energy on the small stuff, You will never have room for the things that are important to you.

 So... 

 Pay attention to the things that are critical to your happiness.

Play With your children.

Take time to get medical checkups.

Take your partner out to dinner.

 There will always be time to clean the house and fix the disposal.

 'Take care of the golf balls first --

The things that really matter.

Set your priorities. The rest is just sand.'

 One of the students raised her hand and inquired what the coffee represented..

 The professor smiled.

'I'm glad you asked'.

 It just goes to show you that no matter how full your life may seem, there's always room for a couple of cups of coffee with a friend.'

 

Speech given by Chetan Bhagat in Symbiosis ...must read.....

 

"Life is one of those races in nursery school where you have to run with a marble in a spoon kept in your mouth.  If the marble falls, there is no point coming first. Same with life, where health and relationships are the marble. Your striving is only worth it if there is harmony in your life. Else, you may achieve the success, but this spark, this feeling of being excited and alive, will start to die.

 One thing about nurturing the spark - don't take life seriously. Life is not to be taken seriously, as we are really temporary here. We are like a pre-paid card with limited validity. If we are lucky, we may last another 50 years. And 50 years is just 2,500 weekends. Do we really need to get so worked up?

 

 It's ok, bunk a few classes, goof up a few interviews, take leave from work, fall in love.

 

  We are people, not programmed devices..... "Don't be serious, be sincere." ! 

 

7 steps to Wealth

 

Step 1: You Must Decide Exactly What You Want 
If you understand how the mind works you will understand that this is the most powerful process you can undertake. We teach our clients this process regularly and you will be amazed with what starts to turn up when they experience the speed at which their life and results change!

Step 2: Learn About The Different Strategies To Make Money
What if you don't know what to do?
Well, I didn't know about property 12 years ago; but have built up a portfolio of over £1m within a couple of years. I found out what successful people were doing and copy it! Its called modelling. 
A word of warning: DO NOT allow other people to invest your money for you unless you understand it YOURSELF! The person who will take the greatest care with your money is you. I learned this a couple of times and lost over £15,000 myself getting it wrong! I want you to avoid these mistakes.
Become Self-educated In Investing And DO IT YOURSELF! We can help you learn these strategies quickly and implement them to get RESULTS.

Step 3: Minimise your time with Negative People
Take this suggestion VERY seriously.
For your own highest good ... minimise time with those people who only talk, think or act in a negative way ...... Don't let anyone steal your dream. 
When you start to attract wealth in your life it also attracts other people who are on your path. These will be your new networks and paths to other new and exciting opportunities…when you are ready for them. Stay open minded!!

Step 4: TAKE ACTION!!!
If you decide to do something, you know you want it with all your heart..., but don't take action, nothing will happen...!!! 
You MUST research, you MUST think, but by all means you MUST take action..!!
Not making a decision is a decision itself.
"When you have to make a choice, and don't make it, that in itself is a choice."
William James
You have to ask yourself...; How can you get where you want to be if you don't start any movement...? If you don't take the first step?
Act today, DO NOT leave for tomorrow what you can do today!!!!!
Action Creates Action
All Excuses Are Equal
No matter which excuse you can give..., or which excuse you choose to give ... there IS NOT a good reason to be a failure!!!
This is very important, so just take a few moments to think about this. Don't put it off...what one thing have you been putting off? Do it NOW!
Look back five, ten years, can you see yourself at that time?
What happened during those five, ten years...?
Did you get what you wanted...?
If not,
WHAT IS THE EXCUSE YOU HAVE BEEN REPEATEDLY TELLING YOURSELF...?
It's hard to face reality... It can HURT to face reality ... I can understand that, I've been there many times ... But I can also tell you .. "Don't look back to recriminate yourself" ...
Now is the time to move forward ...
Now is the time to make the decision ...
Now is the time to make the necessary changes to have a fantastic future!!!

Step 5: START SAVING AND INVESTING ...!!! SAVE AND INVEST... AS MUCH AS YOU CAN...!!
You can make all the money you want, but if you don't have a plan to save it, you will never get to your golden mountain!!! Unless you save you cannot explore other ways to Wealth 
Start with as much as you can, even if it only a little... Then increase that amount step by step ... 
You MUST Save and Invest ..., Save and Invest ..., Save and Invest... and remember... all excuses are equal!!!
Keeping the Flow of Wealth Moving
Tithing 
Tithing is giving 10% of your earnings away. WealthBabes does this already and keeps the Flow of Wealth MOVING! This is also a really important part of the plan and law of attraction.

Step 6: Surround Yourself With People, Who Know What They're Doing and have a proven track record... 
LEARN From Them ... Apply What They Have Done To Get To Where They Are Now.
Read as many books on success as you can. Saturate your subconscious mind with story upon story about success. This is an essential step that you must do to change your old conditioning.
You will eventually get to a point where you absolutely know and believe in every fibre of your being, that every step that you are taking on a daily basis is a valuable step, no matter how small it is, and is leading you closer and closer to realising your dreams.
The quicker you saturate your subconscious mind with thoughts of success, the faster you will become it.
It's a "snowball effect"!
You will eventually reach the point where you are literally pulling opportunities for profit to you faster than you can take advantage of them. Imagine what that will be like for you. Opportunities coming to you as opposed to you having to go out and chase them down. 
This is one of the main reasons we set up the Millionairess Club. To create a community of likeminded women who will speed up the process of becoming even more successful through collaboration and sharing of specific knowledge. 

Step 7:  This is the REAL SECRET and is the most amazing step of all - FAITH
Have TOTAL Faith In Yourself and the 'universe' that it will happen! You have to trust and let go of all attachment.  
Be Grateful For EVERYTHING You Have ...!!! NO MATTER WHAT...!!! 
And Remember To be thankful For The Wealth And Abundance That Is Already Yours (even before it comes)!!! 
This is the Attitude of "Gratitude".
Most likely you already know how to be grateful, however the secret to "Gratitude" is to be able to be grateful for everything in your life consistently, without judgment, no matter how good or bad current circumstances may appear to be.
Gratitude will accelerate your wealth process because it is a statement of belief that you already have what you are focused on creating and are about to experience.

These are the 7 Steps that if you only practice these, your life will change dramatically. 
You'll hear more about these in the Millionairess Club, our courses and in our other face to face sessions.