What Makes You Happy?

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Do More of That!

What Makes You Happy?

Greater Good Science Center

Transcript:

Happy Pockets Full of Money CourseHi I’m Christina van Lankvelt from Sudbury Ontario Canada

I’m Merco from Florence Italy

My name is Monica and I live in Sweden

I am from Kazakhstan

I’m from Lima Peru

I’m from Berkeley California by way of Queens New York

Hello, my name is Moyo and I am from Mexico

[Person 1] Paragliding, laughing and eating cake

[Person 2] Playing with my dogs taking walks in the park watching a beautiful sunset

[Person 3] Cooking something beautiful and enjoying food with family and friends

[Person 4] Breathing, I love to breath

Hay House Wisdom Community[Person 5] I have four girls they make me happy, most of the time, sometimes they drive me crazy

[Person 6] I love animals, animals make me really happy

[Moyo] To dance…

[Person 7] What are the things that makes me the most happy is this… (shows scenery)

[Dacher Keltner] What makes me happy is playing with my kids, being with my wife, having a good burrito, listen African music, getting out in the woods, swimming in cold water, playing handball and above all else listening to Iggy pop and teaching human happiness

[Emiliana Simon-Thomas] It’s such a privilege for me to share this material people from all over the world and I sincerely hope that it makes a difference for you as it has for me. To get this question what makes me happy, I decided to seek some outside expertise

[Emiliana’s Kids] What makes my mom is spending fun peaceful time with the family, watching her kids perform and hanging out with the neighbors.


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The Greater Good Science Center studies the psychology, sociology, and neuroscience of well-being, and teaches skills that foster a thriving, resilient, and compassionate society.


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Healing Power of Life

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If we can find a way to appreciate the time that we share with thoGregg Bradense we love, as well as a way to feel good about the time we had when it’s over, then we will have taken a giant step toward our greatest healing. From this perspective, the same principles that allow us to hurt ourselves to death also work in reverse.  They offer us the healing power of Life.  This key appears to be related to the way we feel about what life shows us.

Adapted from the Secrets of the Lost Mode of Prayer.  Pages 74-78, Gregg Braden

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Louise Hay – November 24 2016 Affirmation

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Gratitude and thanksgiving is a way of life for me. It is as easy as breathing.

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The Power of Gratitude

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Gratitude is more than a feeling of thankfulness in response to receiving a tangible gift or a gesture of kindness.

Gratitude is a way of life.

The Power of Gratitude

Gratitude is more than a feeling of thankfulness in response to receiving a tangible gift
or a gesture of kindness

Gratitude is a way of lifescreen-shot-2016-11-19-at-11-46-47-am

It is a conscious choice to focus on life’s blessings rather than on its shortcomings

Every moment is filled with opportunities to fill our consciousness with feelings of gratefulness, thankfulness, and appreciation

When we cultivate a Grateful attitude, we learn to live in a state of Grace

Every event in life, both good and bad, becomes an opportunity to learn, to grow and to expand our capacity to love

Because all that we have, all that we are, is a gift of love freely given by all that is, so that we may learn to share that love with others

A Grateful attitude causes us to rise above the baser emotions such as fear, grief, envy, and depression

Unpleasant situations become viewed in the light of learning difficult lessons or balancing karmic debtscreen-shot-2016-11-19-at-12-03-10-pm

Harmful action is born out of the experience of being hurt

Grateful action is born out of the experience of Healing

Gratitude and selfless service go hand in hand

When we live in Gratitude, our giving becomes receiving

Compassion becomes our foremost emotion when dealing with others

The ascension of humanity to a higher level begins in the heart of each of us

When we raise another, we raise ourselves

A sense of Gratitude is not the same as a feeling of indebtedness

Indebtedness causes a feeling that one must repay a benefactor

Gratitude causes one to reach out to their benefactor to improve their relationship with them

When we look at the Universe as Energy

Gratitude is a higher vibrational frequency

When we are mindful of each moment and exist in the harmonious state of Gratitude, the Energy will ripple out in our thoughts and actions attracts Energy back from the Universe of a similar frequency

Like attracts like

Grateful action towards others results in reactions deserving of greater Gratitude
this is the true secret of the law of attraction
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Super Moon Forgiveness and Gratitude Ceremony

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The Super Moon has a symbolic meaning: The Moon is about the feminine and this Super Moon has literally put the feminine in our collective faces – up close and personal.

super-moon-forgiveness-and-gratitudeAn astronomical event, on November 14th, the Super Moon takes place when the Full Moon is what’s known as perigee – i.e. as close it it’s going to come to the Earth for some time. This Super Moon will be 14% closer and 30% brighter than usual.

The Super Moon has a symbolic meaning: The Moon is about the feminine and this Super Moon has literally put the feminine in our collective faces – up close and personal.

We can use the Full Moon to clear yourself out energetically. Since thehay-house very beginning when humans have gathered, The Full Moon has stimulated our emotions. It’s one of the reasons why people are said to go ‘loony’ at Full Moon.

With the Super Moon making the Moon loom larger than ever for us now, it’s the right time to do a Full Moon forgiveness ceremony + gratitude at some point this week.

Here are the Super Full Moon times around the world – do your ceremony either side of the lunation.

MONTREAL/NEW YORK: November 14, 8.52am
UTC / LONDON: November 14, 1.52pm
PARIS: November 14, 2.52pm
SYDNEY: November 14, 11.51pm

In the United States, the Moon moon will start to rise on Sunday November 13th at 4:30 pm as dusk starts to settle in. This may be a wonderful time to perform the ceremony. Here is a link to find the Full Moonrise times where you are.

The Super Moon Forgiveness and Gratitude Ceremony

Below is an excerpt of How To Do A Full Moon Forgiveness And Gratitude Ceremony by Yasmin Boland

As close to the Full Moon as possible, sit quietly for 10 minutes or so and mentally forgive anyone against whom you hold any kind of grudge or resentment. If there’s anyone who’s getting on your nerves or really upsetting you, ask them to forgive you for your bad feelings and send them love.

Then do the following:

1. Take some deep, cleansing breaths. Release any stress, worries or cares as you breathe.

2. Now think about a habit, a thought pattern, or an idea or an upset that you want to release. It can be more than one. Write it down on a sheet of paper – write as much as you need to, to ‘express’ it.
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3. Next, think of anyone who has upset you. You can go right back to your childhood, to anyone who, seemingly, did you wrong and whom you haven’t yet forgiven. List their name(s) on the same sheet of paper, and also write down what it was they did. Write as much as you need to. You have now created a forgiveness list.

4. Close your eyes and visualize each person in turn. See them inside a pink bubble in your mind’s eye (pink is one of the colours of love). See them smiling at you. Create a good feeling between the two of you. Say silently or out loud: ‘I forgive you.’, and then let them float off in their bubble.

5. Now recite the following Full Moon Forgiveness and Karma Release Formula: ‘Under the glorious Full Moon, I forgive everything, everyone, every experience, every memory of the past or present that needs forgiveness. I forgive positively everyone. I also forgive myself of past mistakes. The Universe is love, and I am forgiven and governed by love alone. Love is now adjusting my life. Realizing this, I abide in peace.’

You may wish to add: ‘I bring love and healing to all my thoughts, beliefs and relationships. I learn my lessons and move on. I call on my soul fragments to be cleansed by the Full Moon and I call on them to re-join me. I send love to myself and everyone I know, and everyone who knows me, in all directions of time. Under this glorious Full Moon, I am healed. My life is healed. And so it is. So be it.”

6. Stand over a sink, or anywhere else where you’ll not set fire to the house, and burn your forgiveness list. This ritual releases the energies into the ether for transmutation into love.

Then be sure to spend a good five minutes with your hand on your heart, thinking about someone or something you are truly grateful for. Job done. This is a month ritual which, if you do it with passion, will clear you out energetically so you can better manifest your dreams.

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What reality are you creating for yourself?

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TedTalk by Isaac Lidsky, posted June 2016
Reality isn’t something you perceive; it’s something you create in your mind. Isaac Lidsky learned this profound lesson firsthand, when unexpected life circumstances yielded valuable insights. In this introspective, personal talk, he challenges us to let go of excuses, assumptions and fears, and accept the awesome responsibility of being the creators of our own reality.

Transcript:

When Dorothy was a little girl, she was fascinated by her goldfish. Her father explained to her that fish swim by quickly wagging their tails to propel themselves through the water. Without hesitation, little Dorothy responded, “Yes, Daddy, and fish swim backwards by wagging their heads.”

In her mind, it was a fact as true as any other. Fish swim backwards by wagging their heads. She believed it.

Our lives are full of fish swimming backwards. We make assumptions and faulty leaps of logic. We harbor bias. We know that we are right, and they are wrong. We fear the worst. We strive for unattainable perfection. We tell ourselves what we can and cannot do. In our minds, fish swim by in reverse frantically wagging their heads and we don’t even notice them.

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I’m going to tell you five facts about myself. One fact is not true. One: I graduated from Harvard at 19 with an honors degree in mathematics. Two: I currently run a construction company in Orlando. Three: I starred on a television sitcom. Four: I lost my sight to a rare genetic eye disease. Five: I served as a law clerk to two US Supreme Court justices. Which fact is not true? Actually, they’re all true. Yeah. They’re all true.

At this point, most people really only care about the television show.

I know this from experience. OK, so the show was NBC’s “Saved by the Bell: The New Class.” And I played Weasel Wyzell, who was the sort of dorky, nerdy character on the show, which made it a very major acting challenge for me as a 13-year-old boy.

Now, did you struggle with number four, my blindness? Why is that? We make assumptions about so-called disabilities. As a blind man, I confront others’ incorrect assumptions about my abilities every day. My point today is not about my blindness, however. It’s about my vision. Going blind taught me to live my life eyes wide open. It taught me to spot those backwards-swimming fish that our minds create. Going blind cast them into focus.

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What does it feel like to see? It’s immediate and passive. You open your eyes and there’s the world. Seeing is believing. Sight is truth. Right? Well, that’s what I thought.

Then, from age 12 to 25, my retinas progressively deteriorated. My sight became an increasingly bizarre carnival funhouse hall of mirrors and illusions. The salesperson I was relieved to spot in a store was really a mannequin. Reaching down to wash my hands, I suddenly saw it was a urinal I was touching, not a sink, when my fingers felt its true shape. A friend described the photograph in my hand, and only then I could see the image depicted. Objects appeared, morphed and disappeared in my reality. It was difficult and exhausting to see. I pieced together fragmented, transitory images, consciously analyzed the clues, searched for some logic in my crumbling kaleidoscope, until I saw nothing at all.

I learned that what we see is not universal truth. It is not objective reality. What we see is a unique, personal, virtual reality that is masterfully constructed by our brain.

Let me explain with a bit of amateur neuroscience. Your visual cortex takes up about 30 percent of your brain. That’s compared to approximately eight percent for touch and two to three percent for hearing. Every second, your eyes can send your visual cortex as many as two billion pieces of information. The rest of your body can send your brain only an additional billion. So sight is one third of your brain by volume and can claim about two thirds of your brain’s processing resources. It’s no surprise then that the illusion of sight is so compelling. But make no mistake about it: sight is an illusion.

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Here’s where it gets interesting. To create the experience of sight, your brain references your conceptual understanding of the world, other knowledge, your memories, opinions, emotions, mental attention. All of these things and far more are linked in your brain to your sight. These linkages work both ways, and usually occur subconsciously. So for example, what you see impacts how you feel, and the way you feel can literally change what you see. Numerous studies demonstrate this. If you are asked to estimate the walking speed of a man in a video, for example, your answer will be different if you’re told to think about cheetahs or turtles. A hill appears steeper if you’ve just exercised, and a landmark appears farther away if you’re wearing a heavy backpack. We have arrived at a fundamental contradiction. What you see is a complex mental construction of your own making, but you experience it passively as a direct representation of the world around you. You create your own reality, and you believe it. I believed mine until it broke apart. The deterioration of my eyes shattered the illusion.

You see, sight is just one way we shape our reality. We create our own realities in many other ways. Let’s take fear as just one example. Your fears distort your reality. Under the warped logic of fear, anything is better than the uncertain. Fear fills the void at all costs, passing off what you dread for what you know, offering up the worst in place of the ambiguous, substituting assumption for reason. Psychologists have a great term for it: awfulizing.

Right? Fear replaces the unknown with the awful. Now, fear is self-realizing. When you face the greatest need to look outside yourself and think critically, fear beats a retreat deep inside your mind, shrinking and distorting your view, drowning your capacity for critical thought with a flood of disruptive emotions. When you face a compelling opportunity to take action, fear lulls you into inaction, enticing you to passively watch its prophecies fulfill themselves.

When I was diagnosed with my blinding disease, I knew blindness would ruin my life. Blindness was a death sentence for my independence. It was the end of achievement for me. Blindness meant I would live an unremarkable life, small and sad, and likely alone. I knew it. This was a fiction born of my fears, but I believed it. It was a lie, but it was my reality, just like those backwards-swimming fish in little Dorothy’s mind. If I had not confronted the reality of my fear, I would have lived it. I am certain of that.

So how do you live your life eyes wide open? It is a learned discipline. It can be taught. It can be practiced. I will summarize very briefly.

Hold yourself accountable for every moment, every thought, every detail. See beyond your fears. Recognize your assumptions. Harness your internal strength. Silence your internal critic. Correct your misconceptions about luck and about success. Accept your strengths and your weaknesses, and understand the difference. Open your hearts to your bountiful blessings.

Your fears, your critics, your heroes, your villains — they are your excuses, rationalizations, shortcuts, justifications, your surrender. They are fictions you perceive as reality. Choose to see through them. Choose to let them go. You are the creator of your reality. With that empowerment comes complete responsibility.

I chose to step out of fear’s tunnel into terrain uncharted and undefined. I chose to build there a blessed life. Far from alone, I share my beautiful life with Dorothy, my beautiful wife, with our triplets, whom we call the Tripskys, and with the latest addition to the family, sweet baby Clementine.

What do you fear? What lies do you tell yourself? How do you embellish your truth and write your own fictions? What reality are you creating for yourself?

In your career and personal life, in your relationships, and in your heart and soul, your backwards-swimming fish do you great harm. They exact a toll in missed opportunities and unrealized potential, and they engender insecurity and distrust where you seek fulfillment and connection. I urge you to search them out.

Helen Keller said that the only thing worse than being blind is having sight but no vision. For me, going blind was a profound blessing, because blindness gave me vision. I hope you can see what I see.

Thank you.

Bruno Giussani: Isaac, before you leave the stage, just a question. This is an audience of entrepreneurs, of doers, of innovators. You are a CEO of a company down in Florida, and many are probably wondering, how is it to be a blind CEO? What kind of specific challenges do you have, and how do you overcome them?

Isaac Lidsky: Well, the biggest challenge became a blessing. I don’t get visual feedback from people.

BG: What’s that noise there? IL: Yeah. So, for example, in my leadership team meetings, I don’t see facial expressions or gestures. I’ve learned to solicit a lot more verbal feedback. I basically force people to tell me what they think. And in this respect, it’s become, like I said, a real blessing for me personally and for my company, because we communicate at a far deeper level, we avoid ambiguities, and most important, my team knows that what they think truly matters.

BG: Isaac, thank you for coming to TED. IL: Thank you, Bruno.

 

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Good Relationships Keep Us Happier and Healthier

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What makes a good life?
TedTalk by Robert Waldinger, posted December 2015

What keeps us healthy and happy as we go thru life?

There was a recent survey of millennials and over 80% said that a major life goal for them was to get rich, and another 50% said that another major life goal was to become famous.hay-house

And we are constantly told to lean into to work, to push harder and achieve more. We are given the impression that these are the things we need to go after in order to have a good life.

The Harvard study of adult development may be the the longest study of adult life that has ever been done. The clearest message that we get from this 75 year old study is this…happypocketfullofmoney-3

Good relationships keep us happier and healthier, PERIOD!

So the second big lesson that we learned is that it is not just the number of friends you have and it is not whether or not you are in a committed relationship, but it is the quality of your close relationships that matter.

The third big lesson that we learned about relationships and our health is that good relationships don’t just protect our bodies, they protect our brains.

Relationships are messy and are complicated. And the hard work of tending to family and friends is not sexy or glamorous, it’s also life long, it never ends.

Just like the millennials in that recent survey, many of our men when they were starting out as young adults really believed that fame and wealth and high achievement is what they need to go after to have a good life.

But over and over, over these 75 years our study has shown that the people that faired the best were the people who leaned into relationships with family, with friends, with community.

I’d like to close with a quote from Mark Twain:

“There isn’t time. So brief is life for bickerings, appologies, heart burnings callings to account. There is only time for loving, and but an instant, so to speak, for that.”

The good life is built with good relationships.

Thank you.

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Replace Expectation with Appreciation

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Replace your expectations for appreciation, it will change your life!

“Trade your expectation for appreciation and the world changes instantly.”
~ Tony Robbins

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If you want to have fulfillment, I am not talking about achievement, I understand achievement is a set of other principles, but to be fulfilled, trade your expectation for what? … for Appreciation, it changes your whole life.
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Expectation is just like an opinion — everyone has one — and they don’t always match up to the other person’s thoughts. Bickering can be born of of this which is a problem.

Fortunately, there is a solution! When our focus is squared center on our differences in expectations, rather than our appreciation for the things the other person does “right,” conflict is always inevitable. The way any two people decide to fold the towels, for instance, will probably differ… but does that make one of the ways wrong? Of course not. Expectations with no appreciation leads to nagging, which leads to frustration, which leads to…you guessed it, bickering.

That sentiment can apply to anything in life, but if we apply that same thought to our relationships, appreciation can be the trigger that puts an end to your relationship bickering for good.

Replace Expectation with Appreciation

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Terry Crews On Gratitude

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Terry Crews talks to Jimmy about the intense breakdance crew he had growing up and shares the secret behind his constant high energy.

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Terry Crews On Gratitude

When asked by Jimmy Fallon, how do you stay so positive, Terry response is:

The key to energy is Gratitude, truly truly Gratitude. The more thankful you are the more energy you get.

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I have been where I was ungrateful and you literally feel the energy being sapped from you. But once you find one thing to be Grateful for, all of a sudden you get the energy to do things.

I am from Flint Michigan, I am a static that didn’t go by the statistics because, a lot of my friends are in jail, a lot of my friends have died, a lot of my friends are no longer here.

Event16_300x250wish people could realize all their dreams, wealth and fame so they can see it is not where you are going to find your sense of completion.

Here I am in front of the whole world all the time doing what I love which is amazing. You just feel the energy, I feel happy, I feel joy and thats for you too! Anybody in the world can find that!

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Eight Things Happy People Do Differently

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Add these simple behaviors to your daily life and see how your life will change.

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Eight Things Happy People Do Differently

One – Express Gratitude: Never let the things you WANT make you forget about the things you HAVE.

Two – Savor Life’s Joys: The real beauty of life is in each precious moment. Stop and smell the roses.

Three – Commit To Your Goals: Most people who fail at reaching their dream, fail not from lack of ability but from lack of commitment.

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Four – Cultivate Optimism: Stay Positive. When it rains look for Rainbows. When it’s dark look for Stars.

Five – Stop Over-Thinking: Thinking too much only complicates your life and creates a problem that wasn’t even there in the first place.

Six – Avoid Social Comparison: Most of our insecurities come from comparing our behind-the-scenes with other people’s highlight reel.

Event16_300x250wish people could realize all their dreams, wealth and fame so they can see it is not where you are going to find your sense of completion.

Seven – Increase Flow Experiences: Flow is a state where you are so focused it feels like time stands still. Doing what you love and challenging yourself is how you get there.

Eight – Nurture Your Relationships: The happiest people alive have deep, meaningful relationships. Nurture them and watch them grow. You can start right now….

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Jim Carrey – Meaning in Life

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Enjoy this compilation of Jim Carrey’s wisdom. Sure to be the most beneficial 4 minutes of your day!

Jim Carrey – Meaning in Life (Transcript)

I watched the affect of my fathers love and humor and how it altered the world around me, and I thought, that’s something to do. That’s something worth my time.

GenHH160x600 When I was about 28, after a decade as a comedian, I realized one night in LA that the purpose of my life has always been to free people from concern, just like my Dad. I did something that made people present their best selves to me wherever I go.

How will you serve the world? What do they need that your talent can provide? That’s all you have to figure out.

I can tell you from experience, the affect you have on others is the most valuable currency there is.

Because ultimately, we are not the avatars we create. We are not the pictures on the film
stock. We are the light that shines thru. All else is just smoke and mirrors, distracting but not truly compelling.

That piece that we are after, lies somewhere beyond personality, beyond the perception ofGet20Special125x125 others, beyond invention of the skies, even beyond effort itself.

You can join the game, fight the wars, play with form all you want… but to find real peace you have to live beyond your ability.

Your need for acceptance can make you invisible in this world. Don’t let anything stand in the way of the light that shines thru the form. Risk being seen in all of your glory.

I have often said that I Event16_300x250wish people could realize all their dreams, wealth and fame so they can see it is not where you are going to find your sense of completion.

Like many of you, I was concerned about going out into the world and doing something bigger than myself.  Until someone smarter than
myself made me realize that there is nothing bigger than myself.

Our eye are not viewers, they are also projectors, that are running a second story over the picture that we see in front of us all of the time. Fear is writing that script. The working title is “I’ll Never Be Enough.”

It’s just a matter of making a choice of perceiving challenges as something beneficial, so that I can deal with them in the most productive way.

You will come up with your own style, that’s part of the fun.

“Life doesn’t happen to you, life happens for you.”

“You only ever have two choices, Love or fear, choose Love, and don’t ever let fear turn you against your playful heart. All what will be left of you is what was in your heart.”

“My soul is not contained within the limit of my body, my body is contained within the limitless of my soul.”

“You can fail at what you don’t want, so you might as well take a chance at doing what you do love.”

“Relax and dream up a good life.”

You can spend a whole life imagining ghost, worrying about the pathway to the future, but all there will ever be is what is happening here and the decisions that we make in this moment which are based on either Love or fear.

So many of us choose our lives out of fear disguised as practicality. What we really want seems impossibly out of reach and ridiculous to expect so we never dare to ask the Universe for it. I am saying, I am the proof that you can ask the Universe for it.

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Letting Go: The Pathway of Surrender

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These two words – Letting Go – are very easy to say but can be challenging to actually do. Some of the things we might be trying to let go include:

  1. Past Events or Behaviors
  2. Fear
  3. Anger
  4. Desire
  5. Grief

lettingn-go-audio140 Letting Go describes a simple and effective means by which to let go of the obstacles to Enlightenment and become free of negativity. During the many decades of the author’s clinical psychiatric practice, the primary aim was to seek the most effective ways to relieve human suffering in all of its many forms. The inner mechanism of surrender was found to be of great practical benefit and is described in this book.


When I let go of what I am, I become what I might be.Lao Tzu

Some benefits to letting things, related to the above list, go in your life are: happiness, success, health, well-being, intuition, unconditional love, beauty, inner peace and creativity.

Many of us think the key to happiness and success results from hard work, discipline and commitment, when in reality, many times the secret is surrendering and letting go to reach your goals.

Letting Go: The Pathway of Surrender

Here is a brief video of Dr David R. Hawkins giving a A Lesson on Surrender. When asked to describe surrender to a three year old so that they know they are doing it right his response: “Quit trying.”


About the Author:

david-hawkins Sir David R. Hawkins, M.D., Ph.D., is an internationally renowned psychiatrist, consciousness researcher, spiritual lecturer, and mystic. Author of more than eight books, including the bestseller Power vs. Force, Dr. Hawkins’s work has been translated into more than 17 languages.

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Money Made Easy

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Suze Orman’s 16 wishes for how you can make the most of your money in 2016

As we turn the corner into a new year, my biggest hope is that peace and happiness is in great abundance for each and every one of you and all those you love.

There should be no bigger focus than building and nurturing that peace and happiness. But there is also always room to focus on the ways you can continue to build financial security in 2016. The progress you make on taking control of your money will, after all, bring even more happiness and peace into your life.


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Suze Orman will guide you through the steps to financial freedom on this audio download.

This practical, systematic approach to financial freedom is divided into three parts. The first one takes us back to our most formative experiences with money. We do this in order to break free of financial worries and take control of our feelings about money. The next part contains the Must Dos, the Laws of Money. We’ll find out about trusts and wills, credit card debt, saving for retirement, the insurance we should and shouldn’t have, and much more. In the third part, we learn the true secrets of the money cycle and realize that we cannot measure our self-worth by our net worth.


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Here are my 16 wishes for how you can make the most of your money in 2016:

  1. Focus on what you have, not what you don’t have.
  2. Recognize that every dollar you save today and every dollar of debt you pay down today is an important step to the future you deserve. As long as you are moving in the right direction, you are in control of your future. Be patient. You will get where you want to be.
  3. If you have credit card debt, pay off the highest rate debt first. And be sure to make at least the minimum payment due on all your credit cards.
  4. Check that there are no mistakes or instances of fraud on your credit report. The only place you should ever go to get a free credit report is annualcreditreport.com
  5. Sign up for email or text alerts for your checking accounts and all your credit card and debit accounts. It has never been easier to stay on top of your balances, or be able to spot fraud the moment it happens.
  6. If your employer offers you a company matching contribution to its retirement plan, be sure to contribute enough to earn the maximum match.
  7. If you have the option of a Roth 401(k), give it a long look. I think it is a fantastic deal.
  8. Say no out of love, rather than yes out of fear. Keep this in mind as people come to you for financial help throughout the year. You are never to loan someone money, or co-sign a loan unless you are certain it will actually help that person (not just enable more questionable behavior) and you can truly afford to offer help.
  9. If you are buying a car and need financing, make it your goal to purchase a car that you can afford with a three-year loan. (No leases!) Don’t take out a longer loan; it’s a ploy car companies use to get you to buy more expensive cars.
  10. Focus on the long-term. Even if you are in your 50s or older, you likely have decades more life ahead of you. Don’t be too conservative with your investments. Over the long term – decades – stocks have delivered the best inflation-beating gains.
  11. If you want to find the best financial advisor, look in the mirror. No one will ever care more about your money, and what you make of that money, than you. If you don’t yet feel like you are “good” with money, make it a priority to build your personal finance IQ in 2016.
  12. If you have a college-bound child, do not, I repeat, DO NOT take out any private loans for college. They are just too risky. Focus on federal loans.
  13. Check all your retirement plan and insurance beneficiaries. Can’t remember whom you named? That’s exactly my point! Make sure your money will go exactly where you want.
  14. Enough procrastinating. Please make this the year you once and for all get your Must Have Documents in place.
  15. Live below your means but within your needs. Follow this rule and you will always be powerful with money.
  16. You are never powerful in life until you are powerful over your own money. How you feel, think and act with it. May 2016 be your most powerful year yet.

About the Author

suze-ormanSuze Orman has been called “a force in the world of personal finance” and a “one-woman financial advice powerhouse” by USA Today. A two-time Emmy Award-winning television host, New York Times mega bestselling author, magazine and online columnist, writer/producer, and one of the top motivational speakers in the world today, Orman is undeniably America’s most recognized expert on personal finance.

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It’s Never Too Late to Have a New Beginning

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Denise Linn provides advice on how to prepare and adapt to the changes brought by the New Year.

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It’s Never Too Late to Have a New Beginning – Transcript:

I love new beginnings. You know there’s that expression that it’s never too late to have a happy childhood. It’s never too late to have a new beginning.

new-beginnings-2016-newday-gsWhat I love about new beginnings is you can begin to really let go of the past, the past does not need to equal the future. People tend to think, well its always been this way or I have always had challenges. If you have the belief as I do that literally in this moment today you can start anew. The past does not need to equal the future, so it can be.

I love new beginnings. Change is scary and I guess the best way is to know you are going to be scared, and just acknowledge it. You know, yeah I’m scared and I’m starting fresh and new.

Yes, I don’t like change and I am starting fresh and new.

What you resist persist. So if you say, “I don’t want to be afraid, I’m not going to be afraid,” guess what, the fears there it just gets dug in deeper.

But if you face the fear, you know that expression face the fear; do it anyway. Just like I am afraid and I’m stepping forward into the unknown and that is usually what is so scary.

We just don’t know, but to be willing to acknowledge that you don’t know and to step forward and do it anyway. That is an act of power, that is an act of courage and that’s worth while pursuing.

Ceremonies have been done since the beginning of human kind. To literally write down your past, write down these are the events that have happened in my past. This didn’t work. Ugh this was bad. Oh I’m kind of embarrassed about this. Just write it all down. Make a big fire and symbolically say to yourself, say to the universe, “I release the past.”


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The other side of what is so is so what.

It’s not like so what? It’s like so what now!?

Yes, I did that thing. I am kind of embarrassed. You know, make amends, do what you can to fix it, change it; heal it. But then get on with your life.

Just write it all down, roll it up, put it in the paper and as that fire ignites the paper say to yourself:

That’s it!

The past is done.

I am starting fresh.

I am starting new.

This is a new day!


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Denise Linn, the best-selling author of 16 books, has researched healing traditions from cultures around the world for more than 35 years. As a renowned lecturer, author, and visionary, she regularly gives seminars on six continents, and also appears extensively on television and radio shows.


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A Journey of Things You are Grateful

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Tony Robbins leads this very powerful exercise, which he calls the Emotional Flood, and begin to flood yourself with positive experiences.


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A Journey of Things You are Grateful

Transcript:

Put your hands on your heart, close your eyes, and now we are going on a brief journey of things you are Grateful about, but first physically feel your heart.

Breathe deep in your heart.

Feel the power of your heart.

Feel the strength of your heart.

Feel Grateful in your heart and what it has guided you to do in this life, to give and to be.

Think about, you didn’t have to buy this heart, didn’t have to earn it, something thought enough of you to give you this gift of life, without doing anything, instantly when you are born. As long as it beats you are alive.

Right now, step into a moment in your life that you can feel deep feelings of Gratitude for. Any moment at all, from your childhood or as an adult, a moment you can feel deep feelings of Gratitude.

Breath in your heart, step into that moment and see what you saw then, hear what you heard then, feel what you felt then right now.

Feel so Grateful, feel that moment was sacred, that it was blessed, that you were blessed.

Take it in.

Don’t just think it, see, feel, be there.

Now reach out and bring in another memory that you can be Grateful for, any moment at all, just bring it into your heart, on top of the one that is already there bring it in. Step in and feel that power and grace of that moment.

And then bring a third moment in. Maybe this moment could be a coincidence. We all love coincidences because we did nothing for it, something just happened. You met somebody, you went somewhere, and that led to something magnificent in your life, something that you are so Grateful, a person, a relationship, an insight, a life change.

Step into the Gratitude of that moment and feel it as well.

Take your hand off your heart and continue to breathe and go on a journey of these last two minutes of moments in your life that you are Grateful for, feeling each one in your body like you are there.

And now shift to moments you are proud about, quickly we are going to do moments rapidly. Reach out and grab a moment in your life that you are proud about, bring in a moment you are proud. Someone you are proud, your children, yourself. Bring that into your heart, a moment of pride, feeling proud. Breathe the way you do when you feel proud, along with the Gratitude.

Think of something you have accomplished in your life, small or big, that you feel proud about and bring that in.

Think of a romantic, or sensual, or sexy moment and bring that in too. Bring it into your heart, on top of the things you are Grateful for, on top of the things you are proud about, a sexy moment, a sensual moment, a romantic moment.

Bring in a moment that made you laugh out loud. Did you ever laugh so hard that milk came out your nose or something like that? Bring into your heart when you felt this incredible laughter, over something so silly.

Bring in a special moment with family or friends on a moment that’s magical for you. Bring that in your heart as well and stack it on top of all the others.

Bring in a moment that was pure excitement. Make the sound that you do when you are excited, bring that into your body. Make that sound of excitement out loud.

And now for 10 seconds, reach out and bring in moments from the future like getting and advance view of what’s coming, moments of Love, moments of excitement, moments of romance, and moments of accomplishments. Bring them in fast. Bring your hand in 10 times real quick. Bring them in and at the end just shout the word YES! Say Yes!

And now open your eyes.

How many of you thought about things you have not thought about in a long time.


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