Since 1978 Money & You® has been at the forefront of business and transformation.

Money and You Reviews

Reviews of the Money and You Program

Money & You showed up for me at the perfect time in my life. Over the years, I’ve seen it happen over and over again with friends, family, colleagues, and people I meet for the first time in Money & You. 

I was in year four of manifesting my most compelling vision –  to transform prisons from places of punishment to places of healing. The Network Program was in early stages, still forming, solid and growing. A friend and colleague who had helped me outline the design for the program, called me to say, “You have to do this course. It’s everything you’re teaching, with great distinctions.”

After months of negotiation, and great support from several people who were equally committed to have me experience Money & You, 66 of us, corrections staff working with me in the system, participated in the transformative processes of Money & You that generated the breakthrough to a whole new level of what was possible in the system. 

Since that first three and a half day intensive in December of 1982, I have had the privilege to witness the transformative strategies I and my teams applied from Money & You in our work, empowering thousands of people from every strata of society. Not only was my own work enhanced, global friends in a wide variety of fields have applied the Universal Principles in their specialties, allied in our commitment to have a world that works for everyone. 

As the saying goes, Money & You is a “gift that keeps on giving.” The best and the brightest people I know have created amazing things from these powerful principles. As Ken said to me years ago, “You have to do this course.”

By the time Dr. Cheryl L. Clark retired from the New York State Department of Correctional Services in December, 2010, the six-month Shock Incarceration Program she designed and directed had more than 43,000 graduates, the lowest documented recidivism rate in the nation and had saved the New York State taxpayers more than US$1.375 Billion. She continues to consult and coach others to apply the principles in their work. Her Doctoral Dissertation: 12* of Freedom: Synergetics and the 12 Steps to Recovery, can be found at www.socialsynergetics.com

“In business, it is not task, money or products that make the biggest difference. It’s people and relationships. Money & You understands this. This valuable program helps teams speak the same language. It teaches what leverage and synergy of business thinking and actions are all about so graduates of the program not only talk win/win, they operate win/win!

I was so impressed by its effectiveness, I personally ensured over 200 people – friends, family and staff from The Hour Glass – attended Money & You.

And the important tools the program delivered helped create the platform from which I developed my ideas for sustainable ventures beyond my traditional commercial enterprises.

I can’t encourage business owners enough to attend and experience Money & You for themselves, for now and for the future.” 

Dato’ Dr. Jannie Chan – Founder, Save Our Planet Investments Pte. Ltd. – Co-founder, The Hour Glass Ltd.

“After graduating with honors from UCLA Dental School as a children’s dentist, I wanted to make a difference and add value to the world. I faced the daunting task of starting, running and growing my own business. Realizing quickly, I had no knowledge of how to create my dream.

Fortunately I took the Money & You program in 1980. At that time I had one small dental office in Oakland, CA producing US$350,000 per year. Within two years it grew to nine offices throughout California with a production of over US$5 million annually.

Through the principles I learned from Money & You, I was able to change the lives of thousands of people while leveraging myself to explore other passions. A successful dental office treats an average of 35,000 patients over the span twenty years. Our offices have treated over half million underprivileged children since 1980.

Working closely with Money & You for the last 38 years has been one of the most significant experiences of my life. While the financial results allowed the freedom to live the life I wanted, the best part was the relationship with this network that continues to manifest miracles in my business and personal life. I would make this program mandatory for any entrepreneur who wants to live their dream and attain the liberation of success.”

Dr. Jeff Alexander – Founder & Creator Youthful Tooth Co. – Warrior Spirit Programs

“I took the Money & You program back in the early 1980’s – and I was running a growth center at the time, was a therapist, and doing consulting for school systems. What I got out of M&Y that was so profound for me was I saw that I was someone who was really into making a difference in the world but I didn’t have a clue how to make money out of it. At M&Y I saw I could do good and do well at the same time.

As a result I started three training companies, a consulting company, written over 80 books and sold 30 million copies world wide in 31 different languages. I realized that I didn’t want to focus on money. I wanted it but I didn’t want to think about it – I had myths and misconceptions that if I was spiritual I couldn’t have money. I also realized that I was running a lot of games I didn’t realize I was playing. I think I came out more authentic and was more clearly aligned with who I really am. I learned how to take it and leverage it out in the world so I could have an even much larger impact than what I was having.

To this day I am still using the principles and strategies that I learned to build this publishing empire we are now doing and I keep coming back as often as I can. I now have over 39 licenses – we even have a Chicken Soup for the Cat lovers Soul with dog and cat food suppliers – none of which would have happened without the experience and what I learned at Money & You. I encourage anyone to take this program, for it will not only show you how to do a minor vector in your life – it will re-vector your entire life and you will be grateful for it.”

Jack Canfield – Co-Author of Chicken Soup for the Soul Series, The Success Principles – Businessman and Entrepreneur

“Many people have read Robert Kiyosaki’s book, Rich Dad/Poor Dad, and would be familiar with the diagram featuring; Employees, Self-Employed, Business and Investors.

Over the past 20 years I have travelled through all four of these stages, including helping my husband build a multi-million dollar business in the anti-aging and wellness industry, and then 5 years ago, I set out to make our money make money by investing in residential property (now a modest NZ$12 million dollar cash flow positive portfolio).

After doing the Money & You program, light bulbs came on for me. I had believed we were very well leveraged in our main business, however I could see how our leverage could be even more leveraged. I can not put into words how this program helped open up my mind to possibilities I hadn’t considered, in so many different area’s of my life.

I am also currently rebranding and looking into new ways of growing our businesses, as well as in the process of writing a book as wanting to share my story and leave clues on how anyone can break free – having both time and money. My special interest is in helping women become independently financially free.

One last thing which impacted me me was how I could impact humanity. I truly want to use my wealth to leave our planet better for our future generations.

Money & You has got me actively thinking again and I love it!”

Donna Ghaemaghamy – Founder, Focus On You Limited

“As a housewife exploring entrepreneurship in Singapore, I was very inspired attending Money & You in Chinese in October 2002. Within 2 months of attending the program, I launched one business idea that I got at the program, that fetched me an ROI of more than 100% of my investment to Money & You in 8hours. It was a huge self-esteem booster. Life has never been the same again. One of the greatest reward has been the global community of like-minded friends who further inspired me to do soul-searching and live my purpose.

I learned the various foundations to business and the importance of continuous learning.Being in the Instructors’ Training Program has supported me to dwell further into self, and to get the clarity of my life vision. Right now, I have embraced my calling to be a catalyst in uplifting Asian business communities globally. Starting with India, we have launched various unique business development programs and supporting the growth of business leaders, creating conscious bankable business models that contribute to global prosperity.

Fundamentally Money & You has empowered me with powerful generalized principles that I use and reflect upon, correct and constantly apply, and create the results I want in my life. Money & You and the various Excellerated Business School programs have added huge value to my life – in aligning my team and my business partners, so we are able to constantly learn and live a harmonious a purpose-driven life that is filled with love, peace and prosperity.”

Azeeza Jalaludeen – Co-Founder – SHINE ADA – Entrepreneur

The Illusion Of Money

money and wealth

Most people think that wealth is only a matter of money; they overlook other resources.

Money is just part of wealth. We like it because it is an objective measurement, making it easy to draw conclusions and evaluate alternatives. The most valuable resource we have is our time, not our money. It is the only limiting factor, and we never know when it will cease to exist.

Money is an illusion.

We may think we like money, but what we really like is what we can do with money. Intuitively, we prefer to think more about wealth than about money, because we know that wealth is a far wider concept. Money is a way of keeping score, mainly because we live in a society where money has become an objective measurement. Rich people have a lot of money; wealthy people have a positive flow of resources. The real measure of wealth is the flow of resources. When we think about resources instead of money we create and discover new opportunities. It is what we expect to do with money that empowers us to have more.

There are many hidden costs and benefits that can help us balance the flow of resources in a way that works best for us. When we realize that our circumstances play a role in our wealth, we begin to look at money in a more practical way. When we limit our thoughts to money alone, we fail to see how we can creatively use the other resources we might have available, such as friendships, time, knowledge, and other assets.

The vaccine to measuring wealth with money is to value our joyful time. Wealthy people don’t have more money. They have enough because they don’t feel the need to have more. Our most limiting factor in life is time, not wealth. When we learn to balance our lives in ways that give us time to enjoy, to learn, to help others, we are wealthy. When we realize that we can have a great time without spending money, money becomes secondary to happiness. When we become aware that we are needed and set aside time to volunteer for a cause that is meaningful to us, we realize how wealthy we really are.

Wealthy people don’t “need” money; instead they attract it. It’s not that they want to be poor or think that living with less money is spiritual in any way.

Wealthy people have broken the ties between success and money and wealth and money. Success is being able to do what you are absolutely passionate about doing; being wealthy is having more resources than you need because you created them.

Assets don’t measure wealth; value does.

After years of helping CEOs and investors, Alicia Castillo Holley realized that invisible barriers were preventing successful people from becoming wealthy. Her “Ten Unwealthy Habits” became an instant hit on the revolutionary site “Change This”. Now available on amazon. Bulk purchases and more info at http://www.thetenunwealthyhabits.com

Unlocking Your Potential

Money & you potential

Unlocking Your Potential

by David Womack

We are locked into thought patterns that were formed during our compulsory attendance at life’s, “School of Hard Knocks”. In places where we already have one of these thought patterns installed, it is almost impossible to learn anything new. The new idea we have can not get into the place where it will fit because that place is already occupied.

For example, sometimes we try and merge the old pattern with the new into an unhappy marriage. The old ideas are often locked in place by pain or painful emotion, giving one a mindset that seems to be carved in stone. In areas where we have one of these grooves in our thinking we can not learn, grow or change. We try to overlay our old ideas on the new ones without fully examining and discarding the old ones first. When we get under stress we either revert back to the old ideas and patterns or we become paralyzed with indecision, because the two ideas can not be reconciled.

For example: If school was arduous and stressful there will be many areas later in life that inhibit our success in business and life.

Example 1:

Joe was teased relentlessly at school as a youngster. This ruined his concentration, made him very unpopular and his grades suffered. Of course that earned him a beating from his dad who believed that you can and should try to knock some sense into childrens’ heads. In later years, whenever Joe had to study something he felt scared and humiliated before he even began to study it.

He concluded he had an unsolvable study problem. With this conclusion he limited himself to work that required little or no book learning. This put a considerable cramp in his lifestyle. He had to depend on others for many things, for example accounting.

This in itself would not have been so bad, but he felt inadequate to even oversee the work. This left him at the mercy of unscrupulous accountants and employees and lacking trust. Working hard but not succeeding, eventually Joe gave up being in business and took a job where he did not have to deal with any of these headaches.

Example 2:

Mary had a fear of offending others that stemmed from an abusive childhood where any hint of self willed action was severely punished by her overprotective parents. This resulted in her having a very shy and timid personality. Mary would take no action that she thought might cause an upset.

She opened a flower shop with 2 employees whom she relied upon to make all the decisions for her. This worked for awhile, but they also made decisions about how much they should be paid and were rather generous with the flowers to the point the shop rapidly became insolvent. Mary observed what was going on, but could not make herself say no to them. Fortunately, she married a fellow who could – and did – say no. This action helped reverse the situation.

However, Mary felt dreadful when her employees became upset, therefore causing her to nag her husband for being so harsh with the employees. Of course this made him feel she did not appreciate his efforts to save her bacon and, subsequently, their marriage suffered. Her driving need to be liked and be safe from attack made her quite incompetent to lead or even allow another to lead in a decisive manner. Ironically, due to her obsessive desire to placate others she alienated the one person who loved her the most and was most important to her happiness.

Example 3:

Colin, through his successes as an athlete, had learned that you can always succeed if you just overwhelm the opposition with more effort and forcefulness. This worked very well in sports, but was not as successful selling insurance. When he saw he was not reaching the level of success he desired he worked harder and harder, longer hours, pushing himself more and more. As he did this he became more and more forceful with his customers causing them to avoid him as much as possible.

Colin refused to quit because he KNEW he could do anything if he just worked hard enough and put more effort in it. Eventually he suffered a heart attack and was forced to quit.

What do these people all have in common?

In each of the examples described above, none of these people could change. Their fixed ideas prevented them from learning and successfully making a change. Their ideas were so engraved they defied inspection, besides they had worked before, so they were “givens”. A “given” is an idea one does not inspect because it is so much a part of one’s thinking that one never even considers it. You just KNOW its right. In any area where one can not seem to grow or improve, despite heroic efforts, it’s most likely there are a crop of “givens” that need to be found and inspected.

This original text and more can be found in the book by Enid Vien titled, In Search of the Golden Nuggets

Dynamis Coaching and Clearing

Dynamis coaching and clearing is based on the idea that you really do know what you are doing and thinking, you’ve just simply buried the knowledge.

In times of stress, loss or moments of anguish you came to some conclusions and probably learned some lessons that are no longer appropriate to the circumstances.

From these conclusions and lessons you formed principles to operate by. They probably worked for you at the time, but in examining them you will find they are definitely working against you now. They have become blocks, barriers, or invisible ceilings. They’ve become so much a part of your operating principles that you can’t put your finger on them.

Part of the function of a Dynamis Clearing Practitioner is to help you find, uncover and re-examine those old lessons, conclusions and “givens”.

www.dynamism.org

photo credit: Freddy The Boy

Financial Alchemy – Create a New Relationship with Money

Cosmic Eye

Financial Alchemy – Create a New Relationship with Money

By Morgana Rae, MRC, CPCC, MPNLP

Your current financial situation is a direct reflection of your inner relationship with Money. If you don’t like your finances, something needs to change in your relationship.

This is where Alchemy comes in.

Alchemy is the art of transformation. With roots in ancient Egypt and classical Greece, Alchemy comes from a time when there was no distinction between science and magic. The mysteries of matter and consciousness were inextricably linked (as they are again, in today’s quantum physics). These ancient studies gave birth to modern medicine, psychology, chemistry, and even Sir Isaac Newton’s work on gravity.

The ultimate pursuit of Alchemy was the “Philosophers’ Stone,” a substance believed to turn worthless metals into gold. While Alchemists through the ages slaved in the laboratory, their metalwork concealed a spiritual process, a Philosophers’ Stone which had to be kept hidden from the Church: this was the process of inner transformation. Two principles are involved here: 1) turning lead into gold was an outer demonstration of inner transformation, and 2) the seed of the solution (the gold) was hidden in the problem (the lead).

I invite you to use this chapter to discover your own Philosophers’ Stone—your key to wealth and inner transformation—hidden in your relationship with Money.

Before we proceed, let’s review some guidelines I adapted from Alchemist tradition:

Rule #1: As it is above, so it is below.
What shows up in your head is going to show up in your life . A seed comes to life as a living, thriving, fruit-flowering plant…in the right environment. So, too, your own prosperity. Your potential for financial abundance is there, waiting for the necessary environment within you. Your relationship with money is like the soil that feeds or starves your economic growth. As long as you have hidden beliefs that cause you to unconsciously repel money, perhaps “protect” yourself from wealth, your garden will not grow.

Rule #2: There is no scarcity.
A wealthy client once explained to me how he had overcome poverty. “The amount of money out there in play every day is limitless, beyond our comprehension. Money is everywhere,“ he explained. And it’s available in proportion to “how big your funnel is to take it in.” He had learned to tap into the Source. This relationship supported him.

Rule #3: Consciousness gives you choice.
I assert even a small change in your relationship consciousness can have a huge impact on your material life. You get what you choose, but first you need to know what you’re choosing.

How do I know this? I experienced this transformation myself.

My story:

For years I was struggling as a life coach. I had trouble attracting clients who would pay the fee I wanted. I found myself avoiding discussions of money as long as I could. The whole subject embarrassed me, and my discomfort translated into making clients uncomfortable too. I was “doing” all the right marketing things–networking, newsletters, sample sessions–and getting nowhere. I was not making a “grown-up” living.

What was in my way, I wondered? My coach and I took a look at my relationship with Money. What were my stories about Money? What is this entity I’m in relationship with? What’s going on with this relationship?

Two discoveries popped out: money didn’t feel safe or reliable, and money caused separation. (My family would swing between being rich and poor over and over again, and money was a “reason” for family members not to talk to each other for decades.)

If my experience of money were given personhood, he’d look like an unkempt, unappealing, Hell’s Angel biker type I didn’t want to be around…someone untrustworthy who liked to cause fights. No wonder I wasn’t bringing Money into my life!

This was not the relationship with Money I wanted to have. (And it wasn’t the relationship I wanted to model for my clients either.) So I created a new paradigm. I fired the Biker persona and put a romantic, clean-cut, soft-spoken suitor in his place. I chose a new Money “person” to relate to. This Money was like a sweet boyfriend who wooed me with gifts. He even wore a tux! Whenever I received a check, signed a new client, came across some unexpected income, I would graciously thank Money for the lovely gift. And this version of Money was valued and invited into my life.

From then on my business and income kept growing. Within six months I had accrued such a waiting list of clients that I had to add group coaching to my services. I didn’t have to look for my new clients; they were finding me. And all I had changed was my inner dialogue with money.

Now it’s your turn:

If you want to improve your financial situation, you must first uncover the beliefs that shaped your relationship with Money. Get out some paper and respond to these questions. (Writing creates clarity and speeds your change.)

What did you hear about money when you were growing up?

What beliefs get between you and prosperity?

Look at how Money has shown up in your life and in the lives of those around you. Give Money personhood in relationship to you. If Money were a person, what would your version of this Money “person” be like?

Who is Money? How do you feel about Money? Do you trust Money? Does Money trust you? How does Money operate in your life? How does Money feel about you? Is Money someone you’d want to have a relationship with if you didn’t “have to?”

Now, take a step back and imagine looking at this relationship between yourself and Money-as-a-person from the outside. What shift needs to happen in this relationship?

Now, as yourself, negotiate with Money:

Does Money have a request for you? Do you have a request for Money? What’s going to be different? How do you want to be different in this relationship? What is the next step to making this change real?

Money is like any other relationship; it comes where it’s invited and appreciated. It rarely comes when it is chased. It can be your partner if you listen to it. The more you care for this relationship, the more money you will attract. Here are three final tips:

1) Appreciate money! When a penny shows up on the sidewalk, thank Money for the gift. Don’t worry about denomination; appreciate everything. Think of how good you feel when you are valued for even a small gesture. It’s the same for Money. Every time you practice receiving and appreciating, you train the universe to send you more. Show the universe what you value.

2) By now your capacity to receive is growing. You’ll notice other stuff creeps in to limit the flow through your funnel to abundance. This stuff may look like clutter, broken appliances, old e-mails, toxic people, time wasters or other energy drains. Clean house! Make space for what you want by having the courage to release what you don’t want. You teach the universe how you want to be treated with every choice you make. And nothing gets the universe’s attention like saying “No.” It’s your quickest ticket to miracles.

3) The most important place to make space for what you want is in your head. Clean out fear and pessimism. Plant love and trust instead. Your thoughts are your seeds, and you can grow flowers or weeds. What do you choose to grow?

Copyright © 2004-2008 Morgana Rae All Rights Reserved

About the author:
Morgana Rae, a master results coach and the creator of Financial Alchemy, is president of Charmed Life Coaching, a successful life and business coaching company that guides clients to attract more than they chase and to enjoy success without sacrificing their humanity. A leading expert on wealth manifestation, Morgana is a popular speaker and frequent television and radio guest. Her Financial Alchemy books, cds, magazine articles and classes have impacted the lives of thousands of people worldwide. Contact Morgana at www.charmedlifecoaching.com.

Contact: 310 657-5340 or info@coachmorgana.com. If you enjoyed this article, check out the full book “Financial Alchemy: 12 Months of Magic and Manifestation” at www.howtobeamoneymagnet.com.
Creative Commons License photo credit: h.koppdelaney

Just What Is A Socially Conscious Entrepreneur?

CompassionHappens was formed to establish, strengthen and expand a global community of socially and spiritually conscious people, united around the belief that together we can re-define the role of business in the world . . .

The Conscious Capitalism® movement is gaining momentum as more and more businesses seek ways to stand for a deeper purpose — providing harmonious collaboration among all stakeholders, including investors, employees, team leaders, suppliers, community, environment and humanity. Businesses of all sizes now recognize they can make a profit AND a difference in the world.

It's making a difference in the world today and you can be part of it!

In the following 3 videos Jerry Conti and Ed Rholl explain what it means to be a  Socially Conscious Entrepreneur.

We'd really like to hear your thoughts on being a Socially Conscious Entrepreneur…

How do you see the concepts revealed to you in these videos applying in your business's future?

Also, if you attend Money and You® you will have a community to support  you in your efforts to succeed… click here to register for Money &You®.

5 Keys to Synergy for Entrepreneurs

Synergy For Business

What is Synergy?

(1+1 = 11), Buckminster Fuller

1 – Listen Actively

2 – Speak Up (Trust Intuition)

3 – Flexible

4 – Tell The Truth With Compassion

5 – Agree To Agree (Commit To Resolution)

Creative Commons License photo credit: ~Brenda-Starr~

Are You Ready To Let Money And Wealth Flow Into Your Life?

Money & You® August 26-29, 2010
San Diego/Oceanside, CA

Money & You® (M&Y) is a 3 1/2 day experiential process that will help you take small, simple steps that will have an enormous impact on your life. It is made up of approximately 60% games and interactive exercises, 25% debriefing the games, and 15% lectures. This is almost the reverse of many traditional educational systems – as that education doesn’t teach you how to really make money and be successful in life – all it teaches you is how to be a cog in the ‘machine.’

Based on a business that grew a US$25,000 investment into a US$60 million business in less than three years, the program encompasses the big picture of business, the science of learning from mistakes, Dr. R. Buckminster Fuller’s generalized principles, the difference between money and wealth, work on beliefs that support or inhibit your success, and finding your life’s purpose.

If You Want Breakthrough Results…

You Need A Breakthrough Experience!

In Money & You®, participants will learn far beyond than from any other Entrepreneurial training available anywhere in the world!

Here is what you will learn:

  • You will learn revolutionary principles for running your business and your life that expands possibilities, people, income, joy, and opportunities
  • How to release a constant flow of money by getting your heart back into your business
  • How to get out of debt and earn more money than you ever have in your life
  • Strategic-thinking skills
  • Unleash your uniqueness and ability to be a Lateral Thinker for greater profitability
  • Gaining insight in how to apply a successful business model that reduces the effort and amount of time it takes to be a world leader and create an organization that produces extraordinary results
  • Problem solving skills to solve problems easier and faster
  • Effective team building skills. Be better able to build, maintain and inspire teams
  • Higher individual productivity. Learn new skills to increase productivity, profits, and to reduce employee turnover
  • Co-operation vs. competition distinctions. Learn the keys to cooperating with people and businesses that are traditionally viewed as competitors
  • Entrepreneurial skills – i.e. knowing when to take risks and when not to
  • A way of life that is less stressful and more fun – one that is in harmony with your own personal values
  • Money-Making Secrets
  • Being able to use a process that removes limiting blocks and beliefs from your life
  • Applying conflict resolution skills that quickly resolve conflict and prevent major upsets in your relationships
  • Being part of a network of more than 70,000 graduates from over 52 countries
  • And more!

The Money & You® Program delivers the education that traditional business courses dare not touch. Emphasis is placed on removing the fears and subconscious beliefs that are the real blocks to success and satisfaction in this rapidly changing world.

Money & You® is based on principles learned from some of the greatest thinkers of our time, including R. Buckminster Fuller and W. Edward Deming. In the ‘70’s, this work was started by a team of people, which included Bobbi DePorter, the co-founder of the Quantum Learning Network which presents the world-famous program, SuperCamp. As the work has evolved through the years and by the contribution of the likes of Robert Kiyosaki, Willson Lin, Dominique Lyone, and others, the work has reached the level of success that is evident today, which includes a television program hosted by Willson Lin in China, which will be seen by 200 million in the upcoming months…

When you change on the inside, everything changes for you on the outside to reflect that change. You know how when you are looking for something, you start seeing it everywhere? It’s the same thing with habit and behavior changes.

When you shift your beliefs, you also shift your thoughts, feelings and behaviors.

After that, the only problem you will have is what to do with all the money, love and power that come into your life!

Register NOW

“I was broke 4 years ago and after attending Money & You®, I turned my business into a great success by applying the valuable principles found in all that the program covered. I would like to attribute my Spirit of Enterprise Award 2004 to Money & You and Excellerated Programs!”

Wendy Kwek – Director – Executive Directions Pte Ltd

more testimonials

Are you ready to make a change personally or professionally? Do you want to create excitement and contentment in your life?

Monet & You event bring a friend

Register For Money & You® Now!


A Teaspoon, a Bucket, or a Tractor Trailer? Reverend Ike Passes.

A Teaspoon, a Bucket, or a Tractor Trailer?

Financial Abundance

The Ocean doesn’t care! The Ocean just wants to OUTFLOW!”

If you are familiar with this statement then you know Reverend Ike. And it is with my deepest sympathy that we remember the great Reverend and what he did for the world. The Reverend passed away on July 28, 2009.

Reverend Ike

Reverend Ike, also known as Frederick J. Eikerenkoetter, delivers a sermon in 1977.

In Money & You®, we have been teaching, and giving credit to, Reverend Ike for decades. Graduates of Money & You® will remember that over the course of the 3 1/2 day program, students are taken from a mindset of scarcity into sufficiency and finally to one of abundance. And one of the most memorable and favorite teachings from the 3+ days is in a segment called “Ring Toss” – it’s a segment that teaches how successful people play in business, and ultimately, it’s a game about leverage.

At this point in the program the energy is high, tensions can be high, and the instructor is having a blast with participants engaging in this-for-that bargaining and pleading for answers.  The reason why Money & You® works so well is participants discover the answer from within and they truly learn, rather than being lectured and told the correct answer that sits in a notebook on a shelf for the next 30 years. It’s a pivotal point in the weekend seminar and we always have many reviewers coming back to re-experience this particular segment. In fact, we have noted that there are at least two PhD dissertations on this game.

As the game proceeds, the instructions are quickly and always repeated for the class upon request. And after each reading of the instructions, the instructor adds his or her own most excited rendition of, “There is an Ocean of Abundance! There is an Ocean of What!?”

And the class, already anticipating the answer, resounds, “Abundance!”

To which the instructor responds, “You can come to the Ocean with a teaspoon, a bucket, or a tractor trailer! The Ocean doesn’t care! The Ocean just wants to outflow!”

That is the famous line the Reverend left us with – and we will always remember! We have used it with his permission and I must say thank you, Reverend Ike! Everyone loves to hear it. It’s almost a Money & You® trademark because our grads have psychologically anchored this phrase with a new paradigm of thinking – away from scarcity into sufficiency and finally abundance.

The Reverend was also an instructor at the Excellerated Business School® for Entrepreneurs where he taught hundreds of successful entrepreneurs and business owners in exotic places like Hawaii, where we held the now 8-day program for many years.

The Reverend was outrageous and that’s why we loved him! He expanded people’s comfort with their own deserve-ability. We still teach Reverend Ike’s philosophy and will continue to spread the word of Ike!

With Loving Thoughts,

DC Cordova

Read more about the Reverend here: http://www.nytimes.com/2009/07/30/nyregion/30ike.html

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Image by Getty Images via Daylife

Davos, Debt & Systemic Failure

Too Much Credit

Davos, Debt & Systemic Failure

When West Meets East

The preferred diet of most Davos attendees is a fusion inspired composition of individual, government, and corporate debt combined with a free-market frisee of lax regulatory oversight held together by a roux of central bank credit that dissolves instantly when paired with matching counter-party risk.

The January 2008 gathering in Davos, Switzerland at the World Economic Forum is similar to the 1957 meeting in Palermo, Sicily of American and Sicilian Cosa Nostra crime families who met to discuss mutual problems and opportunities. The notable difference being that those in the Cosa Nostra live outside the law; while those at the World Economic Forum in Davos make them.

Those in Davos, however, share with the Cosa Nostra a common problem—the success of both depends on inherently unstable systems. The Cosa Nostra model is based on violence and greed which is both its strength and weakness. Capitalism, the source of wealth for those in Davos, is based on greed and leveraged debt, a combination as powerful and effective as the system of the Cosa Nostra—and just as unstable.

WHEN SYSTEMS FAIL

Unstable systems can function for years without serious problems. But over time, unstable systems will always break down. We are witness to such a systemic failure today. Global credit markets are slowing and contracting. The capitalist system responsible for economic expansion and wealth is in disarray.

Debt, in capitalist systems, is a wondrous device. That is, until it can’t be paid back. Under capitalism, credit fuels expansion but it does so at a cost. As capitalism expands, credit becomes debt and the greater the expansion, the greater the debt.

EXPANSION BEGETS DEMISE

Capitalism’s fatal flaw is apparent only in its later stages. As capitalism matures, its inherent systemic instability manifests. The very expansion of capitalism sets in motion its demise. The Achilles heel of capitalism is its perpetual need to expand.

Only perpetual capital expansion can create sufficient capital flows to service and retire previously created debts, the amounts of which are always increasing because of the accruing compound interest being charged. While any slowdown is cause for worry, a contraction bodes far worse.

FEAR IN DAVOS
WHAT A DIFFERENCE A YEAR MAKES

One year ago, the mood at Davos was one of quiet, almost smug, confidence. The on-going economic expansion appeared to be endless, the profits of investment bankers skimmed off the top of productive enterprise was greater than ever. Private equity, the investment banker’s equivalent of flipping real estate, was the hottest game in town.

It is no longer. Today in Davos, the scent of Armani is now mixed with the acrid smell of anxiety produced by falling markets and uncertain futures. Concern has replaced confidence. The major pheromone in Davos today is fear.

WHEN WEST MEETS EAST

A year ago, the confidence of those gathered in Davos was based on the belief that if an economic slowdown occurred, it would be offset by (1) the expansion of Asian economies and (2) the ability of global markets to decouple from slowing American demand. Both assumptions have proved themselves wrong.

The recent expansion of Asia was made possible by the debt-based consumption of American consumers. Now that America’s consumers have run out of cash and credit, the economies of Asia—China, India, Japan, Korea, Taiwan, Malaysia, etc. will slow. When capital markets slow, you know what happens; and, if you don’t, you soon will.

WHEN CREDIT MEETS SAVINGS

As capitalism expanded from the west to the east, western bankers hoped their success would be repeated. They were wrong. Asians responded to the new paradigm and their new found wealth by saving, not spending.

Western bankers were dismayed by this unexpected reaction. If Asian economies continued to save instead of spend, it would slow the expanding juggernaut of capitalism; and if capital expansion slows, like bicycles, capitalism doesn’t do as well at slow speeds.

CHINA AND GOLD

As western bankers run out of markets to exploit, leaving behind tapped out and overextended borrowers, e.g. consumers, governments, corporations etc., it was hoped Asia would provide the new horizon needed for capital markets to expand.

Asia instead will be a conundrum to the west. Not the surrogate state, militarily and economically, that Japan is in danger of becoming, China will prove to be less amenable to the western bankers hoping to economically colonize the last great prize of imperialism’s global puzzle.

While Chinese spend, they also, as do most Asians, save. They are currently holding $1.2 trillion in foreign savings—and this ingrained tendency to save will not give western bankers the acceleration they need to keep capital markets expanding as western markets contract.

At Davos, Dominique Strauss-Kahn, the Managing Director of the IMF, urged emerging economies with sound balance sheets to run fiscal deficits in order to offset a slowdown by US consumers. Will Asian economies choose to encumber their balance sheets in order to save the west’s capital markets? It is not likely.

Asians, in times of fiscal stress, prefer the safety of gold to credit and debt; and, although gold is no longer viewed as a mainstream investment in the west, gold still retains its traditional appeal in the east:

In Caishikou Department Store, a popular physical gold dealer in Beijing, more than 100 people lined up to purchase bullion for the Lunar Year of the Mouse on Nov. 22, the first trading day of the products. More than 200 kilograms of the gold bars were sold within 1.5 hours. Moreover, the total subscription amounted to two tons.
Xinhua, January 19, 2008

Gold will be the choice of Chinese seeking safety and profit in the coming year. India, another large emerging Asian economy, values gold as much, if not more, than China. This does not bode well for bankers in the west.

Davos will not be the same next year. If you’re planning on going, be sure to take some air freshener.

Darryl Robert Schoon
www.survivethecrisis.com
www.drschoon.com

Creative Commons License photo credit: Andres Rueda

An Act of Gratitude

Hearts of Light

An Act of Gratitude by Marian Head

November 2001. Influenced by the horrors of September 11, I decided not to wait until January to write my annual New Year’s letter. With Thanksgiving only three weeks away, I decided to move out of the numbness that set in on 9-11 by entering into the fullness of gratitude.

I started each paragraph in my Thanksgiving letter with “I am thankful for…” The goodness in my life unfolded before me. On each copy of the letter, I scribed a personal note. It was simply life-changing. Before writing each of those 130 notes, I took time to think about the person who would receive that letter. I wrote what was in my heart, expressing my deep gratitude for the special way that person touched my life. Tears of appreciation flowed as I moved into an almost overwhelming state of thankfulness. Taking this time, which was substantial, to consider how each person had graced me with their presence resulted in an outpouring of appreciation, forgiveness (sometimes of myself) and bountiful love.

I remember writing those love notes everywhere: daily at my desk during the weeks leading up to our Thanksgiving visit with my mom, at the dining room table, on the little tray table on the airplane to Florida, and on my lap in the car when Glenn was driving the hour to mom’s house from the airport. After signing the last letter in the car that day, a feeling of deep satisfaction flowed through me. I said to my darling husband, “I feel complete.” Feeling more peaceful than I had in years, I added, “I could die at any time now, knowing that I’ve said everything I want to say to those I love.”

In the spiritual chrysalis that had formed around me during those weeks of gratitude, I had transformed. The numbness lifted and my life was renewed.

With Thanksgiving upon us, I am reminded of the gift of time I took in those weeks to be present in Spirit with each person I know and love. I choose to do this again. While the result may not be something tangible like a letter, it will be a deepening of my connection to you, and to all life here on Earth and beyond. As Johannes A. Gaertner, author of Worldly Virtues says so beautifully:

To speak gratitude is courteous and pleasant,
To enact gratitude is generous and noble,
But to live gratitude is to touch Heaven.
May you experience the fullness of Heaven on Earth this Thanksgiving.

By Marian Head, 1985 Money & You® Graduate
Reprinted with permission from Revolutionary News (www.RevolutionaryAgreements.com/news)

Creative Commons License photo credit: TheAlieness GiselaGiardino²³