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Sitting meditation-Meditar sentado 2/5

9 Dic

There is a myth that you have to sit in full lotus pose or look like a human pretzel to meditate. The reality is that you can meditate in any position as long as you’re comfortable. With that said, there are some important guidelines when you’re finding a seat for meditation.

The first thing is simply to sit up straight—on the floor, on a cushion or in a chair—it doesn’t really matter where, but a straight spine will help you to stay alert for your meditations. You want to feel alive and energetic while you meditate—physically and mentally—and sitting in a physical position that is upright encourages that alert state of being.

Try it out so you can experience the difference. You’ll likely find it’s actually much easier to sit for longer periods of time when your spine is stacked properly, as opposed to slouching. When you’re hunched over, not only will that promote a tired feeling, it’s hard to maintain for longer stints of time and you can hurt yourself, causing pain in the back and neck as gravity pulls you down.

If sitting up straight is painful or uncomfortable in any way, lean against a wall or piece of furniture for support to encourage your vertebrae to be stacked. Remember, your number one rule for meditation is to be comfortable, so feel no shame for using props.

If your hips are tight or your knees feel achy when you sit on the floor, you have options. Sitting in a chair is a great place to start meditating, just find a chair that doesn’t invite you to slouch. Notice if your favorite love seat encourages you to sink, and make a choice that will better support your upright position. Over time, you may find that you become more flexible and may want to explore other positions.

Laying down is not the best option for meditation, but if you are in pain or there is some reason where you cannot sit comfortably, it’s absolutely fine to lie down. There are some meditations that actually call for lying down, such as the body scan. But typically, this is not the position you’ll use for your consistent practice.

Check out these eight variations for seated meditations. The list starts with the easiest variation and gradually gets more difficult. Remember that everyone has a different body—you may find that crossing your legs for more than five minutes at a time makes your right shin fall asleep or your big toe go numb. You may find that one variation allows for a straighter spine. Try them all to find out what will work best for you.

8 Ways to Sit for Meditation

In all of these variations, make sure your head is directly over your heart, and your heart is right over your hips, so your vertebrae are stacked. I recommend that you sit on the front edge of a rolled-up blanket, pillow, or cushion; this supports proper alignment—bringing the hips slightly above the knees and allowing the pelvis to tilt forward. Positioning in this way will emphasize the natural curvature in your lumbar spine, bringing stability to support a straight spine for extended periods. Plus, cushions also make your seat more comfortable, which is the #1 rule.

In a Chair

How to meditate in a chairChairs make it easier for most people to sit still for longer periods of time, especially those with knee issues who have trouble in some of the floor-bound postures. If you choose to sit in a chair, make sure both feet are firmly on the floor. If your feet don’t reach the floor, you can use a blanket or blocks under the feet, so they feel supported. You can either sit up straight toward the edge of your seat, or use the back of your chair for support if you need it. In either case, pay attention to the alignment of your spine, and note that it can be easier to sit up straight without using the back of your chair. A cushion or pillow under you may provide more comfort, and will bring your hips slightly over the knees so you’re well-stacked and supported.


Against a Wall

Sitting cross legged against wallSitting against Wall, legged extendedYou can use the wall or a piece of sturdy furniture to help you sit up straight. Cross your legs or extend them out in front of you, whatever feels most comfortable. A cushion (zafu) or blanket under you works well here, too.




Kneeling with Support Between Knees

kneeling meditationWhile you don’t need to use a prop between your knees when you’re kneeling, it takes the pressure off your knees and ankles, and is quite comfortable. You can use a pillow, a zafu cushion turned on its side, a rolled-up blanket, or a yoga block, and place it right between the knees and under your buttocks.





*For the following cross-legged variations, I’ll use references to “right foot” and “left foot,” to make instructions easy to understand. Feel free to swap right and left in any cases to meet your optimal comfort level.

Easy Pose

SukasanaEasy pose is a simple cross-legged position, where your knees are wide, your shins are crossed, and each of your feet is below the opposite knee. You probably loved this pose when you were a kid. I don’t recommend easy pose for meditations over a few minutes, it isn’t an incredibly stable seat, and it can be easier to round the spine in this position. Plus, I’ve found that my feet tend to fall asleep faster in easy pose than any other meditation posture.

If you want to try it out for shorter meditations, it’s great for stretching the knees and ankles, and opening the hips. Make sure to use a prop under you to elevate the hips.

Burmese Position

Burmese PositionThis is a variation of sitting cross-legged. If you’re just starting out, use a meditation cushion or pillow. Sit on the front half of the cushion or pillow, bend your knees in front of you, then rotate your knees out to either side, sitting in a cross-legged position. Bring your left heel to the inside of your right thigh, and your right heel to lightly touch the top of your left foot, ankle, or calf, so it sits slightly in front of you. The sides of your knees may touch the ground and if they don’t, you can use pillows or blankets under your knees for extra support.

Quarter Lotus Pose

quarter lotusUse a zafu or pillow here as well, and set yourself up in the same way as described for Burmese position, sitting on the front edge of your cushion, allowing your hips to open and legs to cross in front of you. Keep your left foot on the floor to the inside or below your right thigh, and your right foot to rest on the calf of the left leg.




Half Lotus Pose

Half lotusSame position as quarter lotus, except you place your right foot to rest on the top of the left thigh instead of calf.

Full Lotus Pose

Full LotusFull lotus is the most stable and symmetrical of meditation postures, but only if you’re flexible and it feels comfortable for you. If you force yourself into full lotus, you can injure your knees. To come into full lotus, begin in the same way you set up for quarter or half lotus, but this time you’ll bring your left foot to rest on your right thigh and your right foot to rest on your left thigh.




If you meditate in half or full lotus, make sure you’re able to sit with a straight spine and with your knees close to the floor. If that isn’t the case, take a modified meditation seat until you’re open enough to maintain proper alignment in lotus. I also recommend alternating legs, from day to day or half-way through your meditations—so that the bottom foot spends some time on top—to create an even stretch and weight distribution.

Try them all before deciding which variation is best for you. Happy meditating!

*This post was adapted from the book, The Type A’s Guide to Mindfulness: Meditation for Busy Minds and Busy People.




Compilación realizada por Lorena Lacaille.


Five Tips to Make Sure Money Doesn’t Kill Your Relationship

24 Nov

Don’t let the number one thing couples fight about destroy your love

In the early 1980’s, I saw a cute blond and fell head over heels in love. That cute blond was Kim. We started dating, and eventually we got married. She’s the love of my life, my best friend, and the reason why I’m successful today. Over the years, our marriage has gotten stronger and better.

A lot of people see Kim and I today and think we’re happy because we’re rich. The reality is that when I met Kim, I was broke and a million dollars in debt after the failure of my first business selling rock and roll Velcro wallets. Thankfully, Kim stuck with me, and I know that Kim isn’t with me because of my money—and I’m not with her because of hers!

For many years, Kim and I struggled financially. In that respect, we were no different than many young couples. I’d be lying if I didn’t say it was stressful at times, but we worked together as a team, persevered, and had a plan.

Money: the #1 thing couples fight about

As Huffington Post reports, according to a recent survey by Money Magazine, found that “70 percent of couples argued about money more than household chores, togetherness, sex, snoring and what’s for dinner.” The substance of those arguments? “Couples cited frivolous purchases, household budgeting and credit card debt as the biggest sources of friction.”

This squares with another report by NBC News, which reported that 60 percent of couples that fight over money do so because one person in the relationship either spends too much or too little.

No surprise there. Money is important for happiness, health, and harmony. When you don’t have enough money to pay the bills, take care of your family, and have a little fun together, it’s a big stress. And it’s an even bigger stress when you know you don’t have enough because of financial mistakes made by one spouse or both.

Money is such a big stress that couples that fight about money more than once a week have a 30 percent higher chance of divorce.

Why couples fight about money

It’s a shame that money causes people who once loved each other to break up. Usually, after asking people who share their stories a few pointed questions, I hear a range of reasons on why money breaks up relationships. Those reasons range from bad planning, poor financial intelligence, to unmet and unexpressed expectations.

But I believe there is one main reason that money breaks up a relationship: they never talk about!

Couples should talk about money constantly—especially at the beginning of a relationship. Why? Because as my wife, Kim, writes, alignment on money is the most important factor in a successful relationship.

Couples who never talk about money will only fight about it because they never had shared vision on their finances.

Because a rich life is about more than just what’s in your bank account, I thought I’d share a few thoughts here on how to get into alignment when it comes to relationships and money.

Make a plan

When Kim and I were broke, we still knew where we were going. Each year, we’d sit down and write out our financial goals. For me, it was starting a financial education company, building businesses, and investing in oil and real estate. For Kim, it was building a substantial real estate portfolio.

Each month, we’d sit down and discuss what we were doing to accomplish those goals, encourage each other, and make adjustments as needed. Everything in our life was directed towards reaching our goals, which helped us with spending decisions, life choices, and commitments.

Most importantly, we communicated our goals, and there was a clear understanding of expectations on both sides.

Encourage independence

Since we were both broke when we got married, we depended on each other instead of one person depending on the other. I was no sugar daddy, and Kim wasn’t my sugar mama. Instead, we grew together.

Today, Kim and I have separate accounts, investments, and ventures. We’re both wealthy and don’t need each other to be secure financially. This makes it much easier to want each other. Because we each take care of our own financial houses, it eliminates much stress and fighting.



Be a team

Even though we’re independent financially, we’re still a team. And we know that as a team we share in each other’s problems and celebrate each other’s victories.

As a team, we communicate constantly, making changes as needed. I seek Kim for advice on my financial ventures, and she does the same. If there are problems, we help each other out. And like a team, we’re not competing against each other. We want to see each other win, and we cheer each other on.

Increase your financial education

The first gift I ever bought Kim was a class on accounting. I knew her goal of becoming a real estate investor, and I knew she’d need to know accounting. For years, we worked on our financial education, often reading books together, taking classes together, and attending seminars together. Now, we write books together, teach classes together, and give seminars together—and we’re still learning.

In any relationship, both partners need to be financially independent. This means both partners need to be financially intelligent and committed to always increasing financial education.

This has always been our goal as a couple, and today, because Kim is so smart financially, she’s independently wealthy.

Learn from mistakes (and laugh)

Finally, understand that life is a journey. Many couples have a hard time with financial mistakes because they have the expectation that hard times won’t or shouldn’t come. Every couple faces hard financial times. It’s your response to them as a couple that will make or break your relationship.

For Kim and I, we always looked at our setbacks as learning opportunities. And because we were a team, we tackled those problems together—and learned from them together.

Also, we laugh together a lot. Kim is my best friend. When life get’s hard, it also often gets absurd. If you can’t stand back with your best friend and laugh at the difficulties and absurdities of life, you’re screwed.

One of the best ways to get financially smarter is to take mistakes as learning opportunities and to stay positive and good humored together.

Robert Kiyosaki


5 Tips For Following the Internal Call for Light

11 Nov
Help The Universe Lead You Where You Need To Go With These Tips From Kyle Gray
Right now, more than ever, there’s a great call from the universe for light. It’s a call that we can all feel in some way or another. It’s that feeling inside that says, there’s got to be a better way, and that need for us to become the most positive and loving person we’ve ever been.
I believe a soul that hears the call is a light worker. It’s a person who has begun to recognise all of these feelings and become open to what can only be defined as guidance. A light warrior is a person who decides they’re going to do something about these feelings and ultimately acts upon them.
It takes a great deal of courage to be the best person you’ve ever been. It also takes a huge deal of courage to begin changing the way you’ve always thought and lived. That’s why you’re a warrior – because it’s about recognising the strength you have, and the strength you were born to share with the world.
Often, we hear this call and feel these feelings but, ultimately, many of us find ourselves stumped about what to do next. We get this intuition that our angels and guides are sending us signs and signals, but we often don’t know what the message is or, even more so, how to respond.
When I first started to develop my spiritual practice and connect with the angels, I decided I was going to do this in a way that felt authentic and real for me. I developed my relationship with the universe (God/Divine) and my guides (angels) like I would a friendship. I would (and still do) speak and communicate with them all the time, sharing how I felt and what was going on for me as if I was telling a best friend all the latest that had been happening in life.
I found the more I shared and the more I communicated directly to whom I felt was doing the guiding and talking to me, the more I would experience intuitive hits on what to do next and where to go next. It was as if my path was being taken care of for me.
If you keep receiving signs or feel like you’re receiving a message from heaven, but ultimately don’t know what it is – there is a fundamental message that’s coming to all light bearers at this time:
When we receive signs, feathers, numbers and messages, it’s the angels and universe telling us that we’re not alone and shouldn’t need to feel like we’re alone. Therefore, it’s not our job or role to figure out the whole plan – we just need to acknowledge that we’ve heard the call and that we’re willing to fulfil the mission.
The universe can’t lead us to where we need to be next unless we give it permission. When we acknowledge the message first, and then say we’re ready to be led – angels of golden energy fly before us and light up the way.
Here are my essential tips for following the internal call to make a healing difference:
1. Acknowledge the signs and messages you feel you’re receiving. 
Many people spend time and energy wondering if a sign is real or just a coincidence. Often this is because you don’t feel worthy of a divine connection and so ask yourself: ‘What makes me so special?’ The truth is it’s because you have a kind heart and are willing to make a difference. There are no coincidences in life – there are only ‘God-incidences’. Even if a sign doesn’t make sense, just let your angel crew know it has been received.
Say something like: ‘Hey, angels and universe – thank you for the signs and messages today. I have received them loud and clear! Today, I am remembering I AM not alone!’
2. Don’t worry about plans – let spirit be your GPS. 
Once you’ve heard a call or feel like you’re being asked to make a difference, the ego likes to get loud and can try to divert you from your soul-based mission. When you begin to get worried about plans and working out how you’re going to make it all happen – ultimately the ego is running the show. I have found that when you decide to step back and let the divine lead, you’re allowing everything to unfold exactly as it needs to. Here’s my ‘Warrior Heart Prayer’ to help you:
Divine presence,
I am ready to know you like never before.
Like a spark of like within my heart.
I give you permission to lead the way.
3. Realise that what you do for you is what you offer to the world. 
When you begin to make steps towards fulfilling the call for light – to be the best you can be and essentially overcome your own challenges – an egoistic curveball often follows. This curveball is the feeling of ‘not doing enough’, and it’s a voice of comparison. A part of you may think you need to do more, but realise the universe isn’t working against the clock – it has no urgency and is trusting of you. Realise that as you work through your own fears – you’re removing fears and darkness from the world.
4. Ask to be of service in a way that serves you! 
The universe and angels respond to our prayers literally. That means if you ask for something – in some form or another – usually you’ll get it (especially if you know it’s possible). The biggest mistake light workers have made in the past has been asking to be ‘used’, and many find themselves in positions where they feel overworked, unappreciated and drained. The path of a light warrior is about honouring the self in order to honour and serve the world – so I have found asking to be of service in a way that serves joy, contentment and happiness to be the way forwards. I’ve also instructed some people to consider including serving their bank balance in this prayer too – we were not born to suffer!
Thank you, universe and angels, for showing me how I can be of service to the healing of the world in a way that serves me, my joy, my contentment and my happiness. I am ready to walk the path of light and abundance.
5. If you need more clarity – ask for it! 
When you follow the path of light, you’re not supposed to be in the dark. If you feel like something doesn’t make sense, or there seems to be a lesson or challenge that you can’t quite figure out, ask for clarity. Your angel team are your friends, your cheerleaders and your supporters – if something feels strange, ask them to shed their light on it and they absolutely will.
You were not just born for purpose – you were born ON purpose. When you feel the light calling you, know that you have been recruited because you have gifts that can help heal the world. Let your light lead you towards a life of fulfilment.
Kyle Gray has had  s from an early age. When he was just four years old, his grandmother’s soul visited him from the other side. Growing up, Kyle always had an ability to hear, feel and see what goes beyond the natural senses, which eventually led to him discovering the power and love of angels in his teens.

Quelle est ma mission dans la vie

1 Nov

Plusieurs personnes attirées par la spiritualité veulent se sentir chargées d’une mission. Pour ma part, je n’aime pas trop ce mot qui dénote souvent la présence de l’ego. Pourquoi ? Parce que les gens croient en général que leur mission est d’aider les autres.

J’ai appris au fil du temps que nous sommes tous sur cette planète pour notre propre évolution et non celle des autres. J’ai souvent entendu ces phrases:

  • Ma mission est d’aider ma famille. En tant qu’aîné, je dois remplacer mon père qui est décédé quand j’avais 15 ans.
  • Ma mission est d’aider les gens âgés à faire face à la mort.
  • Ma mission est de m’occuper des sans-abris.
  • Ma mission est de répandre plein d’amour autour de moi.
  • Ma mission est d’être la meilleure maman au monde.
  • Ma mission est de guérir les gens, car j’ai découvert que j’avais un don de guérison.

Et vous, quelle est votre mission ? Le danger à croire que nous sommes sur cette planète pour les autres, c’est que lorsqu’ils vont bien, on est porté à s’en attribuer le mérite. Si les résultats ne sont pas tels qu’escomptés, nous sommes portés à nous croire fautifs, à nous culpabiliser et même à nous promettre de ne pas recommencer. Vous pouvez donc constater que de se croire chargé d’une mission ne peut que nourrir votre ego.

À la lecture de ces lignes, vous pensez peut-être : mais n’avons-nous pas une raison majeure de nous incarner ? Vous avez raison. Tous les humains ont en réalité la même raison d’être, la même mission. Le dictionnaire dit qu’une mission est « une charge donnée à quelqu’un d’accomplir une tâche définie ». Notre mission/tâche définie est de vivre toutes nos expériences dans l’acceptation, dans l’amour véritable. Nous avons donc à nous réincarner tant et aussi longtemps que nous n’avons pas atteint ce but.

Vous saurez que vous agissez selon cette grande mission quand vous ne vous sentirez plus coupable et que vous ne culpabiliserez plus les autres. Même si vous n’êtes pas d’accord avec une situation ou une personne ou que vous ne comprenez pas, vous serez dans l’acceptation.

Pour arriver au but, chaque personne a un plan de vie différent à chaque incarnation. Il est impossible de connaître le plan de vie d’une autre personne. Tout dépend des besoins de son âme et où cette dernière est rendue dans son évolution vers l’amour véritable. Ce plan est décidé dans l’au-delà avec l’aide de notre guide spirituel. Nous faisons ensuite des choix en fonction de ce plan. Par exemple, nous devrons être un homme ou une femme, naître dans tel pays, évoluer dans un environnement précis, choisir notre prénom, notre date de naissance, nos parents, les personnes qui partageront notre vie, avoir un ou plusieurs enfants ou ne pas en avoir, avoir un handicap ou non, etc. Dans un même plan de vie, il y a également des incidents majeurs qui seront impossibles à contourner, c’est ce qu’on peut appeler le DESTIN.

Cependant, souvenons-nous qu’un plan de vie, même bien défini, n’est pas toujours suivi à la lettre, comparable à un plan de carrière par exemple. Nous attirons toutes sortes de situations et de personnes tout au long de notre vie pour nous aider, mais on ne peut savoir d’avance comment nous réagirons face aux événements et aux différentes personnes.

Un excellent moyen pour découvrir votre plan de vie consiste à regarder ce qui s’avère pour vous très facile et très difficile à vivre. Ce qui est facile fait partie de ce qui vous aide à avancer et ce qui se révèle difficile fait partie de ce que vous avez choisi de venir régler dans cette vie. On peut conclure que ce qui est facile pour vous devrait être utilisé pour gérer ce qui s’avère plus difficile.

Je vous suggère fortement de demeurer en contact avec votre raison d’être principale et d’accepter que chacun de nous est sur cette planète pour l’atteindre. Personne au monde n’a le pouvoir «d’arranger » le plan de vie des autres. Vous ne pouvez que les encourager, les aider du mieux que vous pouvez en respectant vos limites et ce, sans aucune attente. Leur plan de vie n’est pas sous votre responsabilité.

Si vous avez une nature serviable et voulez sans cesse aider les autres, n’oubliez pas que vous le faites POUR VOUS. Demandez-vous ce que vous apprenez en rendant service, ce que cela vous apporte. Par exemple, l’aînée d’une famille de cinq enfants, dont la mère était toujours malade, croyait que sa mission était de remplir les fonctions de celle-ci. Elle a découvert que son plan de vie était d’apprendre à être bien même quand ceux qu’elle aime ne le sont pas et de ne pas se sentir coupable lorsqu’elle décide de répondre à ses propres besoins. Sa vie a changé lorsqu’elle a enfin compris que tout ce qu’elle faisait pour sa famille et sa façon d’être avec eux lui servait à s’aimer et aimer les autres d’une façon inconditionnelle.

Et vous, quel est votre plan de vie ?






How to Cure Your Bad Money Habits

29 Oct

…Without Cutting Up Your Credit Cards

When I was a young boy, I was rushed to the hospital for emergency surgery stemming from complications regarding an ear infection and chicken pox. At the same time, my mother was at home struggling with a weak heart. Not too long after, my younger brother was rushed to the hospital after hitting his head and my younger sister needed a knee operation. To top it all off, my youngest sister, Beth, had a baffling skin disorder that required multiple trips to the doctor.

The only person in our family who didn’t get sick during this time was my dad, but he may have contracted the worst disease of us all—heavy medical debt.

My siblings and I recovered from our hardships. My dad did not. From that point on, he struggled financially, carrying the burden of debt, including a mortgage. He had dreams to be a professor, but instead he compromised to take an administrative job for the State of Hawaii school system.

Later in life, in futile attempts to recapture what he’d lost after many years of sacrifice, my dad chased after a lot of get rich scams. Each time, he lost the little money he had saved up. He kept making bets, and they kept failing.

At the end of his life, my father lamented to me and my siblings about how little he had left to give us. Holding his hand, I cried with my father. He had dug a financial hole early in life, and he never dug out. I loved my dad, and it was one of the saddest things I’d ever seen.

I learned a lot from my dad about money. Unfortunately, it was more about what not to do rather than what to do, but those lessons were important. And fortunately, my best friend’s dad became a mentor to me, eventually becoming who I would call my rich dad.

Rich dad taught me many lessons about money that were in contrast both to what my natural father, my poor dad, said and did. Perhaps most important, rich dad taught me what it takes to dig out of a financial hole.

One lesson, in particular, was crucial: pay yourself first. And it’s that lesson I want to share with you today.

Decision Day

Now it’s time to make one of the most critical decisions in your life—will you take control of your finances or will you not.

If you take control of your finances, it will empower you to shape a new life for yourself. Getting financially healthy can seem like a huge undertaking, but the choice is really a series of smaller decisions. The decision to change your financial future is a mere preliminary. The decision to follow up, renewed each day you open your eyes, is the more critical choice.

How Deep Are You?

The problem with money problems is that things tend to pile on fast. You might make one financial mistake—or run into a spell of bad luck—but if it’s not quickly remedied, you soon start digging an even deeper hole.

To get a sense of how deeply dug in you are, look at the list below. If you can answer yes to any of the questions, put a check in the box:

  • Do you pay your bills late?
  • Have you hidden a bill from your spouse?
  • Have you neglected repairing the car because of insufficient funds?
  • Is there family tension because of overspending?
  • Have you bought something recently that you didn’t need and couldn’t afford?
  • Do you regularly spend more than your paycheck?
  • Have you been turned down for credit?
  • Do you buy lottery tickets in the hopes of getting out from under?
  • Have you put off saving money for a rainy day?
  • Does your total debt exceed your rainy day reserve?

Add up the checks in the boxes. Is your score 0? Good for you! You are in control.

If you score in the 1-5 range, however, you may need to reduce your debt. If you score in the 6 to 10 range, watch out! You may be headed towards a financial disaster The higher the score, the more urgent it is that you increase your financial literacy.

You can manage your money without living below your means

There are financial gurus out there who say the only way out of debt is by cutting up your credit cards, forgoing your daily coffee (or avacado toast), or even putting your credit card in a freezer. Essentially they are saying, “Live below your means.”

There are many reasons that I do not subscribe to the live-below-your-means methodology. But essentially, I don’t think that advice solves the problem for anyone who wants to be wealthy. If a person wants to become wealthy, they need to learn how to respect the power of debt, know how to get into the right kind of debt, and learn how to harness the power of debt.

This all takes self-control—the ability to delay gratification. This is the beginning to changing how you think about money. Instead of saying, “I can’t afford it,” start saying, “How can I afford it?

Debt isn’t your problem

I wrote a blog about why debt trumps savings, but there’s a big difference between the good debt and the bad debt that is drowning most of America’s middle and lower class.

Good debt makes money for you. It’s the debt you use to invest in assets that pay for themselves. Bad debt takes money out of your pocket and is spent on things like clothes, electronics, a mortgage, or car. The problem isn’t the debt; it’s the financial literacy to know the difference between good debt and bad debt.

At Rich Dad, we say you shouldn’t live below your means. Rather we say you should expand your means by purchasing assets so that eventually the income from your assets pays for things like clothes, electronics, a mortgage, or a car. Sometimes you’re dug so deep financially that expanding your means to match your debt level isn’t possible. For people in that unfortunate situation, a debt-reduction program is necessary, which means until they are debt free, they must live within their means.

But if you’re debt is under control, you should pay yourself first.

Pay Yourself First

So many people get the wrong idea when they hear me say you should pay yourself first to get ahead financially. They usually think it means “treat yourself,” which is absolutely far from what I mean.

To get ahead financially, you have to invest in assets. But most people can’t go out right now and buy a cash-flowing asset. Which is where the pay yourself first rules come into the picture.

With every single dollar that comes into your household, take 30% off the top. Whether the money comes from your paycheck, tax refund, or gift, follow this rule.

Then, take one-third and divide it up between three accounts: savings, investment, and charity. Your savings account becomes your rainy day fund. Your investment account will buy your assets, and your charity account will be your opportunity to give back (which is so important to Kim and me.)

How Kim and I did this

Perhaps you’re thinking, “Sure, that sounds easy when you make as much as you do. But what about me? I’m living paycheck to paycheck!”

Fair enough, but you should know that Kim and I have been there and done that. When we were first married, we were very poor. I was $1 million in debt, and at times we lived in our car or on the couch of a kind friend. During that time, we were hustling day and night to build our business, and we hired a bookkeeper named Betty.

Betty was great because she organized our finances and kept us honest about our financial situation. But the one thing Betty and us disagreed on was the idea to pay yourself first. Each month we instructed her to take the 30% off the top and apply to our savings, investments, and charity—and each month she moaned about what a bad idea it was (mostly because the money wasn’t there for it).

Yet, each month, we made it happen and Betty dutifully fulfilled our directive. As entrepreneurs, we worked together to figure out new ways to make up the shortfall. We’d find side jobs, or create a new product. We’d hustle our way forward. And in the end, we paid ourselves and paid our creditors. Betty almost had a heart attack, but it all worked out!

You can do this

The good news is you can do the same! Make this a habit. Once you embrace paying-yourself first, you will be surprised at how fast the money will grow. Once you start investing in assets, that’s when the fun starts and you are able to use that income to purchase things like cars and vacations. But only once you’ve replaced your salary with investment income.

It would be great if everyone had a rich dad and grew up learning financial literacy. Most of you didn’t have such an advantage. Don’t let that discourage you. Regardless of what did or didn’t happen in the past, when you’re ready to make big changes, amazing things can happen in a short time. Many great fortunes have been built by determined people who started out later in life, even people who were in considerable debt.

In my years of teaching, I’ve had the good fortune to meet and hear from tens of thousands of students who have taken the steps to get a financial education have turned their lives around. No matter what stage of life a person is in, if the desire to change is there, change is possible.


Qué dicen mis pies? – Lenguaje Corporal – Renata Roa

14 Oct

Los pies son la parte más inconsciente que tenemos y que de manera constante le está diciendo un mensaje al mundo. Es fascinante entender lo que nos quieren decir y sobre todo lo que los demás nos están diciendo. Una parte de la Comunicación No verbal que grita cosas.


El Lenguaje Corporal De Las Piernas

En cuanto al lenguaje corporal de las piernas, te voy a comentar 3 cosas muy interesantes. Presta atención si quieres poner a prueba tu habilidad para leer el lenguaje corporal al final de este ejercicio.

1. Las piernas que ocupan el máximo espacio

Aunque esto se puede ver perfectamente cuando una persona está de pie, es cuando está sentada que este fenómeno se hace más evidente.

Si ves a una persona que, sentada, tiene las piernas estiradas, separadas o con un tobillo sobre la rodilla opuesta… es decir, si ves que esa persona ocupa el máximo espacio posible con sus piernas, lo que ese lenguaje corporal dice de ella es que siente una gran confianza en sí misma o que percibe que ella es la dominante de la situación.

Este detalle tanto puede significar que la persona está relajada y sin miedos como también puede indicar que se trata de alguien con un toque prepotente, mandón o incluso engreído.

2. Las piernas que ocupan el mínimo espacio

Como imaginarás, el hecho de que una persona ocupe el mínimo espacio con sus piernas, tanto sentada como de pie, significa justo lo opuesto al caso anterior. Esta persona posee poca confianza en sí misma de forma general o bien se siente intimidada en este momento concreto por algún motivo.

Esto tiene que ver con nuestro instinto más primitivo de proteger nuestros genitales. Cuando una persona retuerce o aprieta una pierna contra la otra, a menos que se trate de algún tipo de picor o ganas de ir al baño, está ocultando inconscientemente su zona genital porque percibe la situación como amenazante.

A este respecto, es probable que, si eres mujer, tiendas a ocupar el mínimo espacio con tus piernas y, si eres hombre, tiendas a ocupar el máximo espacio. Esta tendencia se debe, fundamentalmente, a la educación que hemos recibido; pues una socialización tradicional y estereotipada, que es la que recibimos la mayoría de las personas, nos dice que las mujeres debemos ser discretas y para nada dominantes y los hombres deben imponerse. Me encantaría que pausaras el vídeo aquí sólo un segundo para contarme, en la sección de comentarios, cuáles son tus pensamientos sobre esto.

3. Las piernas cruzadas

Y la tercera curiosidad que quiero compartir contigo en cuanto al lenguaje corporal de las piernas tiene que ver con la dirección del cruce. A rasgos generales, cruzar las piernas indica inseguridad por el motivo que acabamos de ver. Sin embargo, esto sólo puede ser percibido como un indicio fiable en el caso de personas que no suelan cruzar las piernas.

¡Pero hay otras personas que sí suelen cruzarlas cada vez que se sientan! En esos casos se trata de un hábito, no de un indicio de inseguridad. Pero sí hay algo muy interesante que podemos inferir de un cruce de piernas. Los estudios al respecto indican que, en muchas ocasiones, las personas cruzamos las piernas hacia el lado que nos agrada o nos apetece. Es decir, que si mientras conversas con alguien, tras un comentario tuyo, esa persona cruza la pierna que está más próxima a ti hacia el lado opuesto, podría indicar que o no le ha gustado lo que has dicho o, directamente, está deseando marcharse de tu lado.

El Lenguaje Corporal De Los Pies

Te voy a contar dos cosas muy interesantes sobre el lenguaje corporal de los pies que revelan pensamientos ocultos de las personas. ¿Te apetece?

1. Apuntan a nuestro foco de atención

Es probable que ya hayas oído algo al respecto de lo que te voy a contar. Por norma general, también cuando estamos sentadas o sentados pero, sobre todo, cuando estamos de pie, las puntas de nuestros pies apuntan al lugar o persona donde tenemos puesto el foco de atención.

Esto lo puedes observar cuando un grupo de personas está charlando de pie. Normalmente, cuando hay un o una líder evidente en el grupo, todos los pies apuntan a esa persona. Si en ese grupo hay una persona que se siente atraída hacia otra (ya sea atracción sexual, admiración o una fuerte simpatía), sus pies apuntarán hacia esa persona. Si en el grupo hay una persona desagradable o antipática, casi con seguridad ningún pie apuntará hacia ella.

Por otro lado, si estás charlando con alguien cuyos pies apuntan hacia la puerta de salida, ya sabes que o tú o tu conversación no le gustáis demasiado. A veces es una simple cuestión de cambiar de tema para comprobar si realmente el problema era que a esa persona no le interesa en absoluto que le cuentes cómo fue el partido de fútbol de ayer.

2. Te delatan si mientes

El reconocido investigador del lenguaje corporal Paul Ekman afirma que, cuando una persona miente, sus pies pueden reflejar la incoherencia entre sus pensamientos y sus palabras a través de movimientos compulsivos inusuales. Esto no siempre es así, de modo que no deberías tomártelo como un indicio fiable. Para saber en qué casos esta información puede revelarte una mentira, fíjate en cómo se comportan los pies de la otra persona en situaciones neutras o incluso cuando está nerviosa pero no está mintiendo. Si llegas a identificar el comportamiento habitual de sus pies en situaciones de “no mentira”, podrás reconocer mucho más fácilmente las situaciones en que sí miente, porque sus pies se comportarán de modo revelador: tal vez se trate de un temblor inusual, de una colocación extraña o de una gran tensión visible.

¿Te has quedado con estos detalles? Si no has visto el vídeo sobre el lenguaje corporal de las piernas, te recomiendo que vayas a él en el menú que verás a continuación en pantalla. Y si ya lo has visto, te animo a que pongas a prueba lo que has aprendido hoy, en ese mismo menú.


Compilación realizada por Lorena Lacaille.



Compilación realizada por Lorena Lacaille.

Is Something Missing? Let Wolf and Raven restore life’s magic.

11 Oct

The term spirit guide, also known as a helping spirit or guardian spirit, is a term for any spiritual beings that help us in a life-positive way. We can call on them for guidance, protection, healing, encouragement, and inspiration. We may see them, hear them, feel them, or just know they’re with us, and we can have any number of spirit guides throughout our life whether we’re aware of them or not.

Those spirits that are in animal form that teach us, guide us, empower us, and help us heal are called animal spirit guides or spirit animals. In shamanic and indigenous cultures, they may be called totem animalsor power animals. Often these terms are used interchangeably, although there are subtle differences in meaning.

When an animal or symbol of that animal shows up to you in an unusual way or repeatedly (at least three times in a short period of time), it’s most definitely trying to convey a message from the spirit world to you.

There are four major ways in which you can get messages from the spirit world: visual, auditory, kinesthetic, and cognitive. As your receptivity to the spiritual dimension opens and develops, you’ll discover that one of these pathways is the strongest and feels the most natural, with a secondary one that works fairly well. The more you practice and the more you attune to the spiritual dimension, you’ll find that you can receive input through the other channels as well. What’s required is that you hold a clear intention to receive these messages and simply remain receptive, and they will come to you, often in unexpected and surprising ways.

Here’s an introduction to two of the familiar animal spirits that you might encounter: raven and wolf.

If RAVEN shows up, it means:

Magic is in the air, and something special is about to happen. Pay attention to dreams and visions, especially colorful and powerful ones, as these are indicative of prophecy.

In any undertaking or in any relationship, be very clear as to what your intentions are because whatever they are, that’s what will manifest.

You’re gradually shape-shifting to a more confident, powerful, and spiritually based you that will continue to emerge the more you let go of your old self.

You’ll observe an increasing number of synchronistic events over the next few days, so just notice these, appreciate them, and don’t try to figure them out.

Call on RAVEN when:

You need to clarify your intention about a task, a relationship, or your spiritual path so that you can manifest that intention in third-dimension reality.

You had an especially painful childhood and want to reclaim the lost innocence and joy.

You’ve lost touch with the magic of life and want to recapture that sense of awe and wonder, as well as manifest your desires.

You’re in need of physical and/or emotional healing and want to augment whatever other treatment modalities you’re using.

You have an ailing loved one who is some distance away, or there are others at some distance who are suffering and you want to send strong prayers and healing energy.

If WOLF shows up, it means:

Characteristics and behaviors that no longer serve your spiritual purpose are being culled from your consciousness.

Make cooperation a priority over competition.

Valuable insights, ideas, and new teachings are coming your way, so pay close attention.

It’s important to maintain your self-esteem and integrity and deeply trust in your inner knowing, even when you feel misunderstood or misaligned.

You’re being spiritually and psychically protected at all times.

Call on WOLF when:

You feel lost with regard to a relationship, project, or your career, or else you’re confused about your life path and purpose.

You feel at one extreme or the other with your social ties, either feeling isolated and alone or overly enmeshed with family and friends.

You’ve been feeling a little too civilized lately and want to tap in to the wild and instinctual.

You’re having trouble discerning the sincerity and truth of what someone is communicating to you.

You want to be more expressive in your communication, particularly by adding more body language and vocal inflection.

Dr. Steven D. Farmer, Ph.D., is a shamanic practitioner, Soul Healer, ordained minister, and licensed psychotherapist. He’s the author of the best-selling Animal Spirit Guides, the Power Animal Oracle Cards, Power Animals, Sacred Ceremony, and the guided meditation CD Messages from Your Animal Spirit Guides. Steven is also host of his own radio show, Earth Magic Radio on ContactTalkRadio.