Ten Tips to Break the Debt Cycle -- For Good!

Written by Paula Langguth Ryan


Continued from page 1

4: SEE THE HIGHEST GOOD FOR EVERYONE. When you’re in a situation where you think, “they’re going to try and rip me off” affirm “I seerepparttar highest good for both of us.” Then know this person will do right by you.

5: GIVE THANKS FOR YOUR DEBTS. When you pay your debts, hold them one by one in your hand and give thanks for whatever that debt represents. “Thank you Universe for Cable Television, which enables us as a family to watch movies together at home.” “Thank you Universe for this dental bill, which took awayrepparttar 112760 pain in my mouth.” “Thank you Universe for this mortgage, which lets us live in this home we love.”

6: DON’T BRAG ABOUT WHAT YOU PLAN TO ACCOMPLISH OR |ABOUT THE PROSPERITY IN YOUR LIFE. Instead, imagine it as accomplished, then go about your daily business, puttingrepparttar 112761 stepping stones in place for your pathway to your goal. Then, once you’ve accomplished your goal, go inside yourself and give thanks for your abundance. And give back to those who have helped you achieve your prosperity.

7: DON’T LET PRIDE STAND IN THE WAY OF YOUR PROSPERITY. You can be your own worst enemy if you refuse to accept your prosperity in whatever form it takes. As you practicerepparttar 112762 laws of prosperity, people around you will suddenly start giving you things. Don’t refuse these gifts as charity or acts of pity. They arerepparttar 112763 first evidence that your prosperous thinking is paying off. Joyfully accept these gifts. Stop yourself before you say, “Oh you shouldn’t have.” “This is too expensive.” “I couldn’t possibly accept.” Practice accepting gifts graciously. “Bless your heart!” “You’re an angel!” “Glory be!” “Thank you.”

8: BE PATIENT WITH YOURSELF AS YOU LEARN PROSPERITY SKILLS. Don’t be likerepparttar 112764 farmer who planted corn, then cut off allrepparttar 112765 tassels that appeared, because he was looking to grow EARS of corn, not tassels. Don’t dismissrepparttar 112766 results you get as weeds. Know that whatever grows in your life is for your highest good.

9: LOOK FOR THE LESSON IN EXPERIENCES. When a “negative” happens to us, it’s usually a nudge to help us choose a better direction for our lives, for our growth. Don’t waste your time and energy bemoaning an event. Stop and center yourself and figure out what you were meant to learn, how this event will help you achieve your goals. Don’t ask, “Why did this happen to me?” Ask, “What am I going to do about it?”

10: LET GO OF PREJUDICES. Don’t spend time and energy worrying about others, or how others perceive you. Rememberrepparttar 112767 old taunt, “I’m rubber and you’re glue...whatever you say bounces off me and sticks on you?” The same goes for positive thoughts and words. Don’t set yourself above anyone else, or love others “in spite of” their actions. Learn to love everyone unconditionally and that love will flow back to you tenfold.

You can be your own worst enemy in your search for abundance or you can berepparttar 112768 best guide you’ve ever had. The choice is entirely up to you!



Paula Langguth Ryan is the author of “Bounce Back From Bankruptcy” and “Giving Thanks: The Art of Tithing” and a former credit counselor, financial editor and ghostwriter for national finance magazines. Visit her site at http://www.artofabundance.com for a free monthly Art of Abundance e-zine or email paularyan-70559@autocontactor.com for a free e-book of Giving Thanks.


ONLINE BANKING – ARE YOU READY FOR IT?

Written by Jim Slobodzian


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How Do they Rate? Most importantly, how dorepparttar competing banks rate for their online banking services, fees, and support? I have discovered a number of sources providing key ratings and evaluations of major US and Canadian banks and would like to provide you with these important links that lay out in detailrepparttar 112759 services, fees and rankings offered byrepparttar 112760 banks.

For US Bank Comparisons

According to a Consumer Reports (CR) study that will be published in its February 2002 issue, just over one-fifth (22%) of US households are banking online. About 80% of respondents consider online banking "easy and quick," and 60% of e-bankers are concerned that their banks would share personal data.

Consumer Reports' top five online banks include, in descending order: E*Trade, Citibank, NetBank, JP Morgan Chase and Bank One. For another comparison of PC/Online banking services and fees by US banks visit Bankrate.com at this URL: http://www.bankrate.com/brm/publ/onlifees.asp

For a ranking of top US internet banks in Fall 2001 based on ease of use, customer confidence, on-site resources, relationship services, and overall cost, visit Gomez.com at: http://www.gomez.com/scorecards/index.asp? topcat_id=1§ion=Gomezwire

For Canadian Bank Ratings

A poll done on Canadians by market research firm NFO Cfgroup showed about 24 per cent of adult Canadians have signed up for on-line banking, compared with about 20 per cent who had logged on duringrepparttar 112761 same period a year earlier. About 61 per cent of respondents said they clicked their accounts once a week, while 82 per cent reported using on-line banking at least once a month.

The study also found that online banking is less likely to be used for more complicated transactions such as opening accounts, taking out loans or applying for mortgages.

Viewrepparttar 112762 2001 Canadian Online Banking Report by Moneysense.ca at: http://www.moneysense.ca/eng/banking_credit/banking/online_banking/sho wcontent.jsp?cid=576275

Or for those who wish to do their own research, here arerepparttar 112763 web addresses for major US and Canadian banks offering online services. Happy banking!

US Banks

American Bank www.pcbanker.com American Express Centurion Bank www.americanexpress.com/banking Bank Caroline www.bankcaroline.com Bank of America www.bankofamerica.com Bank One www.bankone.com BankAtlantic www.bankatlantic.com BankDirect www.bankdirect.com Chase Manhattan Bank www.chase.com Citibankwww.citibank.com Claritybank.comwww.claritybank.com E*TRADE Bankwww.etradebank.com Ebankwww.ebank.com everbank.comwww.everbank.com Fidelity Deposit and Discount Bankwww.the-fidelity.com First Internet Bank of Indianawww.firstib.com First Union National Bankwww.firstunion.com Flagstar Bankwww.flagstarbanking.com Fleet National Bankwww.fleet.com NBank www.nbank.com NetBankwww.netbank.com Nexity Bankwww.nexitybank.com Pennsylvania State ECUwww.psecu.com SouthTrust Bankwww.southtrust.com Stonebridge Bankwww.stonebridgebank.com U.S. Bankwww.usbank.com USAccess Bankwww.usaccessbank.com VirtualBankwww.virtualbank.com Wachovia Bankwww.wachovia.com Washington Mutual Bankwww.washingtonmutual.com Wells Fargo Bankwww.wellsfargo.com Woodforest National Bankwww.woodforest.com

Canadian Banks

TD Canada Trustwww.tdcanadatrust.com Bank of Montrealwww.bmo.com Royal Bankwww.rbc.com Scotiabankwww.scotiabank.ca CIBCwww.cibc.com Citizen's Bankwww.citizensbank.ca President's Choicewww.preschoicefinancial.com National Bankwww.nbc.ca

Jim Slobodzian, BComm (Hon) publishes the Enroute.ca E-MONEY GUIDE providing free weekly news, commentary and tips on moving money online. http://www.enroute.ca or email info@enroute.ca


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