Tag: debt (page 1 of 3)

6 Ways to Overcome a Soul-Crushing Life Challenge




Excerpt from huffingtonpost.com

It was never in your life plan, certainly never predicted in your high school yearbook.
And yet, here you are. You've gone through a soul-sucking life experience and are suffering from the collateral consequences. Uncertainty, fear and disbelief rule the day. You keep waiting to wake up and find out this was all a bad dream.
The problem is that wishing, wanting and waiting don't help. Whether you're still in the midst of the storm or idling in the aftermath, the truth is that you have to reach down and make the decision that although you may have had no control over what happened to you, you do have control over how you respond and move forward. These six tips will help start you on that journey:
1. Don't Compare Your Blooper Reel to Other's Highlight Reel
At times it may seem like the grass is greener on the other side of the fence. Social media exacerbates this perception because people tend to show only their green patch of lawn and not their backyard full of weeds!

Wouldn't it be refreshing to see someone's perfect vacation pictures captioned: "Don't know how we're really going to pay for this; We're up to our ears in debt! The kids got carsick and puked in the rental car, and Jack and I haven't had sex for weeks! Wish you were here!"
The grass isn't always greener. Everyone has something in life they wish they could undo, redo or erase. They just don't post it on Facebook.
2. Realize That Sometimes You Have No Control Over What Happens to You
Like the saying goes, life is what happens to you when you are making other plans. I truly believe that things happen for you rather than to you to nudge you into growth. When something unexpected happens, ask yourself "What's the lesson here?"

3. Surrender to Your Situation
Surrendering doesn't mean giving in; it simply means you stop fighting the fact that the situation happened. Accept the fact that it occurred, that it sucks, and that yes, it probably was unfair and undeserved.

When you continually try to fight against a situation, it's like trying to swim against a rip current. You can fight it and end up exhausted and pulled out to sea, or you can accept that it is done, swim parallel to it and overcome it. You cannot change what has already occurred but you can change how you respond to it. This is the tipping point to taking your power back.
4. Understand That Your Coping Mechanisms May Be Holding You Hostage
It is natural to feel disbelief, anger and sadness, and to want to blame others for what you are going through. These coping mechanisms are designed to help you deal with the situation at hand. They are also a defense mechanism, a way to push back on the reality of the situation.

The problem is, when you get stuck defending, denying, and blaming, you form an endless loop of negative thoughts that won't stop spinning in your head. The part of your brain that is controlling the loop is your ego. When you learn to harness your ego, you can transform the way you think and move past these self-destructive thoughts.
5. Harness Your Ego
Your ego is part of your consciousness, and it competes with your higher self, or spirit, for control of your thoughts. Your ego is fear-based and your higher self is love-based. The two cannot coexist because the higher self simply does not recognize fear. Think of the ego as the darkness and the higher self as the light switch; once the light goes on darkness cannot exist.

The ego thrives on fear and separation in order to control your thoughts. It causes you to think you need to be better because you're not good enough or are lacking in some way. The egoic brain creates this fear of inferiority and you react by putting others down as a way to raise your sense of self-worth up.
You can recognize your ego at work when you are critical or judgmental of others, when you take on the role of victim, or when you blame others rather than looking inward. When you feel self-important, when you feel the need to be right, and when anger, jealousy, and self-importance take center stage, that's your ego, and it isn't helping you. It creates a false sense of self.
Once you are aware that your ego is talking, you have begun the process of winning the mind chatter war in your head. Your awareness helps you realize that you no longer have to react to the fear it is creating. Your thoughts are not you but are of the ego. Remember that your ego and your higher self cannot co-exist; When you recognize the ego it has to take a back seat to your higher self. You then can move above these thoughts and shift your perspective from negative thoughts to ones that serve you positively.
6. Create Calm and Gratitude
The ego loves for you to focus on your past, on what you lost. What if you shift the way you look at your situation and focus on what you gained as a result?

What did you learn as a result of the trial? Are you more compassionate, less judgmental? Is your house calmer or cleaner? Did you start taking better care of yourself emotionally or physically? Are you finally putting yourself first?
Focusing on what you are grateful for instead of what you lost is a mindset that creates a calmer, happier you. And that is something to be grateful for!
Tired of feeling like you'll never be happy again? Mary Holloway empowers women to reach down and find their inner warrior. Mary is a sought after speaker, resilience coach, and most importantly, a survivor of soul crushing life experiences. She is the founder of Resilience Café and the creator of the Boom Bounce Wow Resilience Method. Mary believes that every woman has an incredible warrior within her that can help her take back her life and emerge better, stronger, happier, and surprisingly thankful for the experience. She knows that women can choose not to be defined by their situation but rather by how they respond to it.
Follow Mary at ResilienceCafe.com...

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Seattle Company Raises Minimum Wage to $70,000 a Year For All Employees!






Excerpt from nytimes.com

The idea began percolating, said Dan Price, the founder of Gravity Payments, after he read an article on happiness. It showed that, for people who earn less than about $70,000, extra money makes a big difference in their lives.

His idea bubbled into reality on Monday afternoon, when Mr. Price surprised his 120-person staff by announcing that he planned over the next three years to raise the salary of even the lowest-paid clerk, customer service representative and salesman to a minimum of $70,000.

“Is anyone else freaking out right now?” Mr. Price asked after the clapping and whooping died down into a few moments of stunned silence. “I’m kind of freaking out.”

If it’s a publicity stunt, it’s a costly one. Mr. Price, who started the Seattle-based credit-card payment processing firm in 2004 at the age of 19, said he would pay for the wage increases by cutting his own salary from nearly $1 million to $70,000 and using 75 to 80 percent of the company’s anticipated $2.2 million in profit this year.

Employees reacting to the news. The average salary at Gravity Payments had been $48,000 year. Credit Matthew Ryan Williams for The New York Times

The paychecks of about 70 employees will grow, with 30 ultimately doubling their salaries, according to Ryan Pirkle, a company spokesman. The average salary at Gravity is $48,000 year.

Mr. Price’s small, privately owned company is by no means a bellwether, but his unusual proposal does speak to an economic issue that has captured national attention: The disparity between the soaring pay of chief executives and that of their employees.

The United States has one of the world’s largest pay gaps, with chief executives earning nearly 300 times what the average worker makes, according to some economists’ estimates. That is much higher than the 20-to-1 ratio recommended by Gilded Age magnates like J. Pierpont Morgan and the 20th century management visionary Peter Drucker.

“The market rate for me as a C.E.O. compared to a regular person is ridiculous, it’s absurd,” said Mr. Price, who said his main extravagances were snowboarding and picking up the bar bill. He drives a 12-year-old Audi, which he received in a barter for service from the local dealer.

“As much as I’m a capitalist, there is nothing in the market that is making me do it,” he said, referring to paying wages that make it possible for his employees to go after the American dream, buy a house and pay for their children’s education.

Under a financial overhaul passed by Congress in 2010, the Securities and Exchange Commission was supposed to require all publicly held companies to disclose the ratio of C.E.O. pay to the median pay of all other employees, but it has so far failed to put it in effect. Corporate executives have vigorously opposed the idea, complaining it would be cumbersome and costly to implement.

Mr. Price started the company, which processed $6.5 billion in transactions for more than 12,000 businesses last year, in his dorm room at Seattle Pacific University with seed money from his older brother. The idea struck him a few years earlier when he was playing in a rock band at a local coffee shop. The owner started having trouble with the company that was processing credit card payments and felt ground down by the large fees charged.

When Mr. Price looked into it for her, he realized he could do it more cheaply and efficiently with better customer service.

The entrepreneurial spirit was omnipresent where he grew up in rural southwestern Idaho, where his family lived 30 miles from the closest grocery store and he was home-schooled until the age of 12. When one of Mr. Price’s four brothers started a make-your-own baseball card business, 9-year-old Dan went on a local radio station to make a pitch: “Hi. I’m Dan Price. I’d like to tell you about my brother’s business, Personality Plus.”

His father, Ron Price, is a consultant and motivational speaker who has written his own book on business leadership.

Dan Price came close to closing up shop himself in 2008 when the recession sent two of his biggest clients into bankruptcy, eliminating 20 percent of his revenue in the space of two weeks. He said the firm managed to struggle through without layoffs or raising prices. His staff, most of them young, stuck with him.

Aryn Higgins at work at Gravity Payments in Seattle. She and her co-workers are going to receive significant pay raises. Credit Matthew Ryan Williams for The New York Times

Mr. Price said he wasn’t seeking to score political points with his plan. From his friends, he heard stories of how tough it was to make ends meet even on salaries that were still well-above the federal minimum of $7.25 an hour.

“They were walking me through the math of making 40 grand a year,” he said, then describing a surprise rent increase or nagging credit card debt.

“I hear that every single week,” he added. “That just eats at me inside.”

Mr. Price said he wanted to do something to address the issue of inequality, although his proposal “made me really nervous” because he wanted to do it without raising prices for his customers or cutting back on service.

Of all the social issues that he felt he was in a position to do something about as a business leader, “that one seemed like a more worthy issue to go after.”

He said he planned to keep his own salary low until the company earned back the profit it had before the new wage scale went into effect.

Hayley Vogt, a 24-year-old communications coordinator at Gravity who earns $45,000, said, “I’m completely blown away right now.” She said she has worried about covering rent increases and a recent emergency room bill.

“Everyone is talking about this $15 minimum wage in Seattle and it’s nice to work someplace where someone is actually doing something about it and not just talking about it,” she said.

The happiness research behind Mr. Price’s announcement on Monday came from Angus Deaton and Daniel Kahneman, a Nobel Prize-winning psychologist. They found that what they called emotional well-being — defined as “the emotional quality of an individual’s everyday experience, the frequency and intensity of experiences of joy, stress, sadness, anger, and affection that make one’s life pleasant or unpleasant” — rises with income, but only to a point. And that point turns out to be about $75,000 a year.

Of course, money above that level brings pleasures — there’s no denying the delights of a Caribbean cruise or a pair of diamond earrings — but no further gains on the emotional well-being scale.
As Mr. Kahneman has explained it, income above the threshold doesn’t buy happiness, but a lack of money can deprive you of it.
Phillip Akhavan, 29, earns $43,000 working on the company’s merchant relations team. “My jaw just dropped,” he said. “This is going to make a difference to everyone around me.”

At that moment, no Princeton researchers were needed to figure out he was feeling very happy.

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10 Signs That You’re Fully Awake

A great article from www.pakalertpress.comIsn’t it obvious that there is a significant global awakening happening? Just as the Mayans predicted so many years ago, the apocalypse would become apparent in 2012. But many misinterpret the apocalypse to be the end of the world, when in fact it actually means an “un-covering, a revelation of something hidden.”As many continue to argue the accuracy of the Mayan calendar, it can no longer be argued that a great many people are finally [...]

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Heaven Letters May-15-2013

Heavenletter #4555 God’s Handmaiden, May 15, 2013
Gloria Wendroff
http://www.heavenletters.org/god-s-handmaiden.html

God said:
You, My Children, are like a beautiful diadem that crowns Me. You are My crowning glory.

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Galactic Federation of Light Sheldan Nidle April-23-2013

Sheldan Nidle’s Update for April-23-2013
http://www.paoweb.com/sn042313.htm

7 Akbal, 11 Kank’in, 9 Eb
Dratzo! This moment in your history is a truly precious one! You stand on the edge of

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Update by Sheldan Nidle for the Spiritual Hierarchy and the Galactic Federation, May 8th 2012

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9 Ix, 7 Moan, 8 Manik

Dratzo! We return! A great foreboding is pervading the ranks of the dark cabal. Those in charge of bringing this once-invincible force to heel have started the final countdown for releasing a legal 'wre...

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SaLuSa 6-April-2012

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It is just a matter of short time before you get firm evidence of what has already commenced, and will learn of the removal of those who have brought about misery and debt in such massive proportions. It has occurred through criminal ...

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Canada’s 2012 Budget: Imposing Austerity on the World’s Most Resource-rich Country

Ellen Brown    April 1, 2012 Canada, called the world’s most resource-rich country, is now being subjected to austerity measures like those imposed on third world countries in earlier decades.  It is all done in the name of reducing a federal deb...

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Heavenletter #4144 Travelling Together, March 30, 2012

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God said:

When you can just be, and, of course, you can, then you will not know tenseness, anxiety, fear. No longer will they overtake Being. When you can just be, you just are. Being, which is pure consciousness, isn’t unde...

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Eurozone Unravelling: Blue Skies in the Media, Rain Heading for Spain

By John Ward http://hat4uk.wordpress.com/2012/03/22/eurozone-unravelling-blue-skies-in-the-media-rain-heading-for-spain/ ‘U.S. money-market funds sharply increased the amount of euro-zone bank debt they held last month, according to Fitch Ratings, a ...

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Cosmic Awareness Newsletter 2012-01

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7 March 2012

Channeler: Will Berlinghof

Well...Anasazi1 just made me realize that there was no Cosmic Awareness message posted here recently,so here's the most recent one avaiable right one,as the CAC newsletter is for mem...

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Money As Debt-Full Length Documentary

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money as debt

Money As Debt No related posts.

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