I’m also a certified hypnotherapist and I’ve noticed from my work with clients and myself that we live in two realities. About 95% of our time we live in a reality that is created by our past experiences. We mostly see what we want to see, we mostly do what we want to do and we believe what we want to believe.

And about 5% of the time we live in an totally free reality. In this reality we are learning to do new things, we are meeting new people, we are experiencing real life. We also create things in this reality. We also see death, car accidents, unexplained behaviors. We are also REAL! In this state of mind things just happen and there’s no time for explanations or preparation.

I was watching a rap music video this weekend when I was getting my hair cut and they were not just showing the video they were showing you the interaction between the rappers in the video the directors, it was some sort of behind the scene video. While everyone was looking at the fancy cars, boats, gold jewelry and the girls. I had a crazy moment of thought these guy’s were who they really wanted to be.

They were 100% happy being a rapper, they didn’t want or need to do anything else but be a rapper, write music and deal with people in their industry. For the rest of the day all I could think about was am I being REAL. Am I doing exactly what I wanted to do or was I reliving my past experiences over and over again making small progress and sometimes lots of progress, but could I be holding myself back because I’m living too much in the 95%.

When I got home I immediately asked my beautiful wife Barbra a serious question. Here’s some history first. Back in 1991 we started a small advertising magazine with $500 and a computer on lay-a-way at a small computer store. We didn’t know anything about the advertising business, we didn’t know anything about producing a newspaper, we didn’t have business contacts, we didn’t have much money. So I asked my wife why did we succeed making our weekly magazine into a multi-million dollar debt free company that’s about to turn 20 years old next year and why have we failed at other businesses that we started after that.

See we’ve tried other things since then and we’ve got plenty money to invest but most not all of them have failed. So I wanted to compare her answer to what I was thinking. She said we wanted to be successful in the advertising business. We didn’t know that you had to know about typesetting (now they call it graphic designing), we didn’t know that you had to learn about pasting up the boards (now everything is digital) we didn’t know that most businesses would turn us down when we approached them (we just thought that was normal) so we both came to the realization that at that time in 1991 we were 100% REAL.

We created opportunity, we disregarded rejection, we overlooked our under financed business, we didn’t care that we didn’t have the necessary training. We were 100% REAL!!! There was no preconceived reality for us to refer to consciously or subconsciously.

So how can we increase our time in the REAL side (keep in mind that all of us have to go back and forth between the two or we would run ourselves ragged) I don’t have a solid answer but I’ve came up with this and I’d love some feedback.

I think we have to allow ourselves to suspend our subconscious mind when it comes to doing new things. What I mean by that is we need to suspend all prejudices and previous experiences. Our success in one business doesn’t rub off to our new business(s). Ask Donald Trump!

We need to THINK more! When you THINK don’t allow your subconscious mind to help you with answers that exist only because of past experiences. Allow your subconscious to give you new idea’s.

How will you know if its a new idea or a past experience? Easy…if its a new idea you won’t know the outcome. Then you’ll be focusing on the first part of being REAL.

The next part of being REAL is are you the person you REALLY want to be? Do this exercise…write down on a piece of paper your perfect day of work and play. You need to write down in detail what you would do from morning to night including detail like: waking up to exercise at 5am or 8am, eating breakfast what would you eat, working at home or going to the office, would you own your own business or work for someone else, would you have a limo take you to the office, drive or carpool, how much money would you make on a weekly basis and how would you save and spend that money, would you live where you currently live, go into complete detail.

My wife and I did this back in 1991 but not in as much detail mostly on the financial side and I’ve recently wrote a new one that I recorded that took me 45 minutes to read. Why is this so important? Because you might find out that some of the things you thought you wanted really won’t work in your perfect day of work and play, and those things if you could have everything you wanted wouldn’t really be something you really wanted it was mostly something you thought you wanted because you didn’t have it.

If you do this exercise properly you’ll live this experience in your mind you’ll feel like its REAL.

This exercise will also help you find out if you could be REAL as this person. I’ll use this example…we see many sports stars falling apart after they achieve their goal of becoming a professional sports player with lots of money. So what tends to happen is that they constantly sabotage their lives and careers.

The sports star lived in the 5% the entire time before they become a professional but they never did the important step of understanding what a professional sports star really is. Are they okay being that person? Can they be REAL as that person.

This is across the board. This has nothing to do with money it has everything to do with being how you really are.

Enough for now I invite your comments…(please forgive grammer/spelling errors)

They had the wrong person! Mr. Tran was a victim of ID Theft and he even had the police reports to prove it in court. But the courts declined to make a ruling on his case and he left the court hearing very frustrated and emotionally crushed. This is happening to people all across this great country because they don’t have the financial resources to fight debt collectors in court so most of them end up losing their hard earned money.

There is a definite debt crisis going on and people need to know their rights. To read more about Mr. Tran’s story CLICK HERE!

He just like many American’s has hit some rough bumps due to the current economic climate. He states in an interview that his mother always preached “save your money” but he didn’t take it to heart and when he was presented with opportunities in life he made more money but he didn’t save any money.

I’m going to provide the link to the entire article in a moment but for now I want to focus on what his mother preached “save your money”. From my research and personal experience this is exactly where the problem lays…we as parents think that our children listen to us, well sometimes they do but most of they time the imitate us.

So we can preach all we want to our children to do what’s right but 90% of what we say is disregarded but 90% of what we do is internalized by our children. If we save our money our children will save their money because we have made this an important aspect of our lives proving by example that it should be important to them.

I’ve seen this with my own children and the sooner you can set this example the sooner they will make saving money a real habit.

If you would like to read more about Kevin Powell Click Here!

■ Aug. 7: Phil Testa, 74, who shot and killed his wife Angelina, 79, before taking his own life during a standoff with police.

■  Aug. 16: Susan Kapfer, 50, who took a gun into Valley Hospital and Medical Center and killed her husband, Mike, who suffered from a debilitating physical and mental illness. In a suicide note, she compared their relationship to that of Romeo and Juliet.

■ Aug. 19: Edith Corona, 19, and Jose Zergara Rodriguez, 20, were killed in the northwest valley after Rodriguez shot Corona before turning the gun on himself.

■ Aug. 20: On the same day the Romanos were found dead, Steven Becker, 56, shot and killed Shannon Larkin, 48, before killing himself at Tiberti Mini Warehouses on Valley View Boulevard. Another woman at the business was injured by Becker, but survived.

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Point #1 – why don’t the banks just modify their mortgage when it would allow them to stay in their home and pay something to the mortgage company? What the government and banks don’t want you to know about is that they have 2 contracts. One with the mortgagee and one with the underwriter/investors. Even if the bank uses its own funds to secure a mortgage the bank has a contract with itself and the only legal procedure is to foreclose on the mortgagee. They cannot just make up the rules as they go because the federal banking auditors will have a field day when they audited their books.

Point #2 – this proves my point in a ABC News Report stated that only 1.7 million home mortgages where modified but only temporarily and only 170,000 where permanent. That is nothing and it proves my point above that modification is very difficult.

Point #3 – when a bank forecloses do they make any money. Well it depends on if they had private mortgage insurance which almost every mortgage company slipped into the contract during the easy mortgage boom. If the mortgage company has a 3rd party investor or they sold the loan and they are just servicing the loan (ie collecting monthly payments) they have nothing to lose as a matter of fact some mortgage servicers can actually end up in-charge of selling the property at a lose for the investors for a fee.

Mortgage companies are really not interested in modifying mortgages because its not in the interest of the banks. You might be asking well way are so many banks being closed down? That’s mainly due to the under capitalization of the bank. If they take a property back they have to up the amount of cash they have in deposits if they don’t have it the FDIC can step in to protect the depositors in that bank.

I have a personal friend that is a banker but ___________ has not been willing to answer that question for me because __________ feels that if I wrote about it it could lead back to ________. There’s more to it than just shutting banks down and I’m going to find out ASAP!

The video stated that most of the people just decided to quite during the process, but the facts are that the process is set up to make them quit. I recently found out that the mortgage companies hardship department could tell you to stop paying your payments and their collections department would instantly start the foreclosure process and when the homeowner tried to have the two department talk to each other they refused. And most of them lost their homes!

We’ve got to do something about this!

“We recognize that the Federal Trade Commission attempted to strike an appropriate balance between improving consumer protections and ensuring continued viability for the majority of ethical, well-managed debt settlement companies,” said Robby H. Birnbaum, President of TASC. “Debt settlement companies are the only truly independent voice for the consumer when dealing with overwhelming levels of consumer debt and we are pleased that the FTC recognized that debt settlement is not only an appropriate alternative but also a necessary service when delivered by a legitimate debt settlement services provider.”

Birnbaum noted that TASC has been working for more than a year with the FTC to craft appropriate program disclosures and observed that many of the FTC’s proposals were modeled on TASC disclosure standards.

“The only significant difference between TASC and the FTC,” Birnbaum said, “was the proposal that the collection of fees be delayed until debts are actually settled, a position that, we believe, ignores the fact that services are provided throughout the customer life cycle, not just at the time of settlement. TASC proposed, and continues to believe, that a less intrusive and equally consumer-protective solution would have been to mandate a full refund policy, backed up by a surety bond. However, after much discussion, both internally and with regulators, consumers and other interested parties, we have determined that the FTC’s position of tying fees to performance is an acceptable way of ensuring that consumers actually get what they pay for and expect.”

Andrew Housser, a TASC Board member who was very involved in the FTC comment process, said, “While the rule provides a significant capital challenge to our industry, we are pleased that at least a few of our comments were heard and reflected in the final rule — these changes allow good companies that are getting results for consumers a fighting chance to continue as viable businesses.” He added, “While managing working capital will be tough for the industry, we think it is time to accept these rules and get back to the business of helping consumers get out of debt.”

Birnbaum went on to state, “TASC appreciates the efforts that the FTC expended to educate itself about the industry. We believe that the process that we went through with the FTC will foster more open communication among our organization, our members and the Commission. We hope that TASC’s cooperation and acceptance of the FTC’s new rule will reinforce the message that TASC believes strongly in its mission of helping the millions of Americans who find themselves struggling with unmanageable levels of credit card debt.”

About The Association of Settlement Companies
The Association of Settlement Companies (TASC) promotes fair business practices, consumer protection and industry standards for its debt settlement industry members. TASC, founded in 2005, serves to protect consumers through best practices and standards adhered to by reputable companies. The organization also serves its member companies through lobbying efforts at the state and national levels as well as awareness initiatives to educate consumers on debt settlement as a financial solution. All TASC member companies pledge compliance to strict association standards governing business practices and ethics. For more information, visit www.tascsite.org.

Thorton’s ex-girlfriends mother stated that he had felt that he was mistreated by his employer. Stating that he was racially harrassed by either co-workers or his bosses. This morning he came to work and started shooting co-workers killing 9 of them and them himself.

I’ve gathered that he had filed for bankruptcy so we know that he was experiencing financial problems. This also proves that bankruptcy doesn’t solve the problems with debt.

If you would like to get help with your financial problem before you do something that could damage your life forever please watch my 4 Free Coaching Video’s at:
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