Showing posts with label Money. Show all posts
Showing posts with label Money. Show all posts

Saturday, September 20, 2014

The Blessing Line

One night, I sat up late talking with a friend. He was telling me about the "Blessing Line" and drawing it with his finger on the kitchen table. 

"Here" he pointed "is the blessing line, where abundance flows and blessings rain down on you. When you start the see the reward for all your efforts...

But here, before you cross over the blessing line, are challenges and disappointments and obstacles. This is where you feel most tired and discouraged. 

This", he said "is where most people give up. Right before they reach their blessing line."

Hmmmmm.

Come to think of it, I too have been guilty of doing just that!

One example springs to mind clearly. 

When I was 25, I started my own cleaning business. I planned and researched it for months. While I was still working at my day job, I began cleaning for a lady once a week, so that I would have a reference when I started looking for clients.

I planned that I would charge premium rates, give superb service and use only environmentally-friendly cleaning products.

When I felt I was ready, I accepted a voluntary redundancy from my job in accounts, and used the money to live on while I got my business off the ground.

I placed one ad on a free local classifieds site, and soon I had my first customers. I quoted what I thought was "good money" to me at the time. As promised, I gave excellent service. I did not leave the house until I knew for sure the skirting boards had been dusted and behind the toilet was spotless. The client may never have checked such things, but that was the standard I had set for myself.

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After a short while, my customers began referring their friends and soon I was booked up. I was cleaning 3 houses per day, 5 days a week. It was tiring work, but I was earning a good income and I got into a really good routine where I could easily clean a 4bedroom, 2 bathroom house from top to bottom, in just over 2 hours. 

Soon it was time to think about employing someone. The first lady did a trial run, and spent the entire 2 hours cleaning the kitchen counter, and then rang to tell me she had found another job. (Phew!)

The second was a family friend, who did quite a good job, although not quite the attention to detail I would have liked. Sometimes, when he wasn't looking, I went back and did something he missed. Alone, I cleaned 3 houses per day, but together we could only manage 5.

By the time I paid him at the end of the week, I was left with just a couple of hundred dollars. Even though I had all the extra responsibility and did all the after-hours work of cleaning the equipment, washing the microfiber cloths, meeting potential clients to give quotes, and doing the book-work. 

Somehow I was working longer hours than ever and getting paid a pittance. I became so tired and run-down, I seemed to constantly have a cold. My son was only 2 yrs old at the time, and I barely saw him. My dream of running my own business had become a nightmare.

When I fell pregnant with my second son, it was such a relief to close the business and go back to my old job of getting paid by the hour and no after-hours stress.

I quit before I reached the blessing line.

What happened?

It was obviously a winning business idea. I hadn't spent a cent on advertising, the customers were happy (several years later, I still had customers email me to ask if I was cleaning again), but somehow it all went wrong.

The truth is that I used the obstacles and challenges as an excuse to quit, rather than using them as a reason to go beyond my comfort zone. I was afraid to hire more staff or a manager, because I didn't know how to be a leader or bring up uncomfortable issues if they weren't performing properly (I could have learnt!). I didn't want to raise my prices to cover the cost of hiring others because I didn't know how to tell the customers (I could have found a way!).

I wanted to stay where I was comfortable, not realizing that my business could only grow and expand to the extent that I was willing to grow and expand, myself. 

So, I quit when things got tough and I never saw the blessing line.

The cynic in us might wonder why, if God is so loving, does He make life so hard for us? Is he trying to find out if we are "deserving" enough?

I don't think that's the case at all.

Problems are not meant to discourage us, they're not meant to annoy or destroy us. 

They are sent to grow us. 

Problems are our teachers!

Let's face it, when life is comfortable, we have little desire or inclination to change. But when faced with a problem, we're forced to do something. We can turn and run, or we can use it as an opportunity to improve ourselves and our skills. 

The choice is ours.

What about you? Have you ever quit before you reached your blessing line?

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Tuesday, September 16, 2014

20 Ways You Can Change The World

After 3 years without watching a news broadcast or reading a newspaper, I happened to glance down at my dad's paper on the kitchen bench this morning, and curiosity got the better of me

I didn't even finish reading the first paragraph of the first page before I walked away in disgust. 

It was all about war. 

I went away feeling helpless and angry, until I remembered that we need to be the change we want to see in the world! Let's focus on what we CAN do. 

We are not victims. We always have a choice. And for every action, no matter how small, there is a re-action.  

1.) Believe that you can. The biggest mistake is to do nothing, because you thought you could only do a little.

Even if, in your entire life, you only impact one other person in a positive way, isn't that something worth celebrating?

That one person might be the first member of a family to break free from generations of poverty and violence. That one person might become the next Nelson Mandela or Mother Teresa. That one person may be setting an example to her own young children.

Don't ever underestimate the power of your actions. One small gesture can change another person's life - for better or for worse. And many people doing small acts with great love can, and will, change the landscape of a society.

2. Buy Organic: As much as you can possibly afford. Research tells us that people in industrialised countries consume 6 - 7 kilograms of chemical food additives every year. So by the time our children turn 10, they've already consumed more than their own body weight in chemical food additives.

But if you are anything like me, you set off to the market with the best of intentions, only to discover that your weekly grocery budget is only enough to cover one day's worth of organic produce, and....well....intentions go by the wayside.

So, what's a savvy shopper to do?! The answer: you do the best you can. I have found that things like flours, breads, rices, and grains are easiest to go organic, because they are roughly double (give or take) what the usual price is. But meats and fruits and vegetables can be as much as 3 or 4 times the usual price.

Alternatively, you could focus on buying those foods that are more easily affected by chemicals - also known as the Dirty Dozen Foods.

Every time you choose organic over conventional, you are encouraging more farmers to adopt sustainable farming practices.

The other alternative is to grow more of your own food...Which leads me to...

3. Produce as much food for yourself. Not only is it healthy, and you reduce transport and chemicals by reducing your dependance on commercially grown produce. But there is nothing more satisfying, then picking something out of the garden, and eating it fresh.

Even if you are a high-rise city dweller, a small balcony is enough space to grow all your own herbs, and salad greens. Yes, really! And they are super easy to look after. In my experience, the easiest plants to grow for complete bumbling newbies or those who have a "brown thumb", are: potatoes, tomatoes, zucchini, rosemary, parsley, chives, mint, strawberries, aloe vera, and silverbeet. These plants are just about impossible to kill, if you plant them in the right season.

I have been growing summer vegetables for 7 years now, and never had to use a commercially-produced spray or fertilizer. To kill off pests, make up a mix of water, finely minced chilli, and finely minced garlic, and pour into a spray bottle. I spray this on the plants every couple of weeks over Summer, and have not had a problem with pests yet.

For a fertilizer, there are a couple of things I use: banana peels. You can leave them on the ground, and they leach into the soil as they rot, or you can leave them in a bucket of water for a number of days, until it is like a "tea" and pour it onto your plants.

Seaweed: Collected from the beach. Carefully rinse off the salt, then put in a covered bucket of water for a week, or until it has started to break down. Throw the remains into your compost, and use the water on your plants.

Crushed eggshells thrown on the garden. I also use the water left after steaming vegetables, on my pot-plants.

4. Let your light shine. Can kindness change the world? Absolutely!! Every act, has a ripple effect, just like a stone landing on a lake.

Do something for others without expecting anything in return, or without seeking acknowledgement.

It's easy to be "kind" when everyone is watching. Real kindness happens when nobody is watching. When we get no thanks, but we do it anyway.

Go out of your way, and do one small act of kindness every day. It doesn't have to be big and impressive. Take your neighbors bin out. Let someone in when driving in traffic. Stand up and let a tired mum have your seat on the train.
I guarantee that there is no quicker fix for feeling down, or lonely, or worthless, than helping someone else. 


5. Vote with your wallet. Many of us are scathing when we talk about large corporations razing rainforests, polluting the air, and poisoning the rivers....yet, we continue to buy their products. I think many companies play on the fact that the vast majority of consumers are time-poor and don't have time to research which companies are ethical, and which are not.

If you don't like how a certain company conducts their business, don't support them. Write to those companies to tell them WHY you are boycotting their products. If a company gets enough of these letters, I guarantee they will sit up and take notice. After all, they have to explain lost profits to their shareholders.

It's simple supply and demand. If we all stopped buying glossy magazines that glorify skinny celebrities tomorrow, do you think they would continue to produce them? Of course not.

Consumers have incredible power to effect change, but most of us don't take advantage of it. Companies rely on us for their very existence. Without the customer there is no business! Every dollar you spend is like a vote for that company and that product.

We need to stop unconsciously reaching for the product on the shelf, with the prettiest packaging and the most impressive claims on the front, and really think about what we are buying, and the message we are sending to companies.

6. Invest wisely. This is similar to the above point.

For anyone who invests in shares, choose them wisely. Do you really want your hard-earned money to be used for exploiting third world countries in the name of profit, or using sweat-shop labourers in the name of cost-cutting? There are now organisations, like Ethical Investor who will do the homework for you.

7. Reduce, Re-use and Recycle. I know this saying is starting to sound like a cliche, but I want you to really think about it for a minute. Most people think of landfill, when they hear "Reduce, Re-use, Recycle", but the philosophy is MUCH more than just landfill. (And landfill is serious enough as it is: The average Aussie family throws out 1.14 tonnes of rubbish every year.)

Think about it this way: For every piece of packaging, tin can, bottle, box, not to mention the item inside the packaging....a natural resource has been used up, chemicals have been used in the production (which eventually leaches into the soil, and then our waterways), coal-fired power was used to manufacture it, air pollution has been created, and then before it can reach your local shop, there's fuel (and therefore, oil) to get it there. 

How much pollution and waste has been caused by that one product that you didn't really need, anyway?

 - One of the quickest and easiest ways to reduce rubbish, is to compost food scraps. You don't need an expensive compost bin, just a sunny corner of the garden. Aerate it regularly, and when it has broken down, spread it over your garden and pot plants. It also means you have less need of fertiliser.

 - Why pay $5.95 for a birthday card, when you can use your kids artworks and turn them into a card that is also a keepsake? Large drawings or paintings can be used as wrapping paper. You save money at the same time.

 - Look for different uses for things, before throwing them out. There are plenty of tutorials on the internet, showing how to make utensil containers out of empty baby formula tins and all kinds of creative re-purposing.

 - If you are thinking about buying an appliance that you won't use very often, such as a laminator, or a dehydrator or whipper-snipper, think about going halves with a neighbour, or a friend that lives nearby. Not only does it cost less, but you consume less, and that means less clutter all round.

 - Realise that more stuff doesn't make you happy. Keeping up appearances doesn't make you happy. Impressing other people doesn't make you happy....Okay, you might have felt a smug satisfaction for 5 minutes, but then you're left with....more stuff, and probably more credit card debt.

 - Use cloth instead of disposable. Cloth dishcloths instead of chux/disposable cloths, cloth napkins instead of paper napkins, handkerchiefs instead of tissues, cloth nappies instead of disposable, cloth baby wipes instead of chemical-filled disposable ones, cloth sanitary pads instead of disposable, diva cup instead of disposable tampons. Not only do you drastically cut down on waste, but you save a bucketload of money, too. (And no, it does not create mountains of washing. One extra load per week, at the most.)

 - Reduce your reliance on energy-guzzling appliances. Turn the heater down, and wear warmer clothes. Open windows on opposite sides of the house for cross-ventilation, instead of turning on the air-conditioner. Hang the clothes outside instead of using the dryer (not only do they use water and energy, they emit massive amounts of positive ions, which deplete energy. Stand beside a dryer for a while, and you'll start to feel fatigued and depressed.)

8. Invest in the next generation. With everybody getting busier and busier, and families becoming more fragmented, our children need mentors and positive role models more than ever. I'm not talking about simply parents and grandparents, I'm talking about everyone. 

All of us. 

It really does take a village to raise a child.

Help out at the local school by reading to the kids, or sharing a skill. Offer the kid-next-door some pocket money to help you out in the garden, and while you're at it, teach him everything you know about gardening, and take an interest in his life. Not only is he learning a life skill, but you are letting him know that he matters.

When my eldest son was small he was a complete super-hero buff. His idea of bliss was to spend a whole day watching Cartoon Network. My dad, on the other hand, doesn't even own a TV, and didn't have the foggiest clue who Ben 10 or Hulk was....yet my son still adores his Grandpa more than any super-hero on TV

You know why?

Because his grandpa gives him time and attention. It's really that simple. He goes outside and kicks the football around with him, or races him to the shed. Little things matter to little kids...

I believe that when you take away the ipods, and Nintendo's, and "coolness", todays children are just the same as the yesterdays children. They want to know they matter. And that they belong somewhere.

For parents, it means modelling the behaviour that we wish to see in our children. Too often we are lecturing our kids about manners, while cutting someone else off in traffic. Or complaining that they never listen, while we are talking over the top of them. (Oh wait, maybe that's just me? My son pointed this out to me one day, and I was ashamed to admit he was right..)

Invest in the little people. They are the future of our world.

9. Lend your passion to a good cause. Is there an issue that really fires you up? Some injustice that breaks your heart?

Most of us never go any further than having a rant or a whinge about the world. Use your passion to make a difference. Be the change you want to see in the world!

There are SO many groups and organizations out there, for just about every issue you can imagine. Here's a few to get you started.

 - 1000 Mums Making a Difference. A group of mums dedicated to raising awareness about the additives and chemicals in our food.

 - Toogoolawah School for Boys takes at-risk boys and aims to educate and mentor them, with an emphasis, not so much on academic achievement, but on building good character. Founded by property investor, John L.Fitzgerald.

 -Kiva is an organization where you can lend money, as little as $25, to help an entrepreneur in the developing world, to start their own business. When they start making some money, they pay you back, and you can then choose to help someone else.

 - Kids Free to Be Kids are a group that fights against the sexualization of children in the media and the fashion industry, and restrict the kind of advertising that children are exposed to.

- Yasminah's Gift of Hope is a support network for those who have been affected by premature birth, stillbirth or neonatal death. It was started by a mother whose baby girl, Yasminah, was stillborn in 2009.

But you get the picture!! Whatever floats your boat! Whatever tickles your fancy! The world needs more people who actually care enough to do something about it.

10.) Celebrate wisdom and experience. Our society is obsessed with youth and beauty. The magazines are covered with skinny starlets who are famous for being, well....famous. The idealism and energy of youth are important, yes, but so are the wisdom and experience of our elders.

 - Boycott so-called "anti-wrinkle" creams. Not only are they expensive, it's highly doubtful whether they make a speck of difference. You would be better off spending that money on antioxidant fruits like strawberries and blueberries. What you put IN, will always matter more than what you put ON.

And besides, if you reach a ripe old age without a wrinkle or two, then you've either been injecting poison into your face (Botox is short for botulinim toxin, you know?) or you've never learnt how to smile. Be wrinkly and happy, not flawless and miserable!

 - Same goes with hair dyes. Hair dyes are absolute poison. Yet we put them onto our scalp where the blood vessels are close to the skin surface, and our skin literally "drinks" it in. We shouldn't have to feel that we need to cover up our natural color, in order to be successful in our careers or personal lives. Some of the most beautiful and inspiring women I know, have gorgeous, natural  gray hair.

 - Be proud of a live well lived. Be kind to yourself. True beauty lives in the spirit of a person, and the outward changes that come with the years, can never take that away.

 - Celebrate our elders. Too often, they feel invisible and worthless. The irony here, is that in today's world, we have families who are stressed and pressed for time, and would give their right arm for some extra support. While on the other hand, we have older people sitting at home, feeling lonely, and just aching to feel like they are still useful to someone. Silly, isn't it?!

Every time we speak negatively about aging, or try to hide our age, we are perpetuating the myth that old age is to be avoided at all costs. Old age has become a negative concept, because our unhealthy lifestyles mean that we are run-down, and out-of-shape (and probably on all manner of medications) by the time we arrive there. It doesn't have to be that way!!

If you live a healthy, active life, then your latter years should be enjoyable and fruitful.

There are groups like Adopt a Grandparent that aim to match up senior Australians with young families. Or you can just go to your nearest Aged Care home, and ask if there is anyone there who would appreciate some extra visitors from time to time. Ask them about their life. It would be a terrible shame if we let our older generation die without learning from their stories.

11.) Reduce your dependance on chemicals. Every time you use chemicals, they end up in the air, in our waterways, in our soil. It's really not that hard to live without chemicals. Really, I kid you not!! We only think we need them because of clever marketing.

Here's a few tips to help you cut back or eliminate chemicals in your home:

Laundry: In my washing machine, I use bi-carb soda (baking soda), and vinegar (which also acts as a fabric softener), plus a couple of drops of water-soluble essential oil, which adds a nice hint of aroma, but also acts as a disinfectant.

By the way, vinegar and bi-carb are also fantastic for keeping drains clear.

I have never owned a stain remover. Did you know that the sun is very efficient at removing most stains?  Just hang the item in the sun for a few hours. This works just fine for white cloth nappies.

Cleaning: I use a spray bottle with a couple of drops of eucalyptus oil, in vinegar. This is my multi-purpose cleaner, that I use everywhere, including showers or toilets. On kitchen benches I use straight vinegar. I never use bleach, not only is it a harsh chemical whose fumes are disgusting, but it erodes enamel after a while.

Invest in some microfiber clothes. Not only do they cut cleaning time, but they cut water use dramatically, and they make it easier to clean with all-natural products like vinegar or lemon juice.

12.) Cultivate good manners. I know there are some people who think they're outdated and don't matter.

I disagree (respectfully!).

It certainly did matter when I was heavily pregnant and had to carry my groceries home on the bus. My legs were swollen, my back hurt, and I just wanted to sit down....Except the bus-stop was full of teenage boys, just out from school, and no-one took the slightest bit of notice, let alone offered up their seat.

Of course manners matter! Every time you open the door for someone, thank them for their time, offer your seat to an elderly person, you are saying to them "You matter...You are important too".

13. Be healthy. I really cannot overstate this enough. If you want to fulfill your true potential, and make a positive difference to others, you must nurture your body properly

If you are not healthy you are probably going to struggle with hormonal issues, not handle stress very well, catch every "bug" going around, feel fatigued and unmotivated, and eventually succumb to some form of dis-ease or illness.

If you are living on a standard Western Diet, it's almost a given that you have nutritional deficiencies of some kind. In fact, science tells us that we would need to eat 10 times the amount of food that our grandparents ate, just to get the same amount of nutrients. That's because our soils are nutrient deficient. Then add in the fact that most of us eat less vegetables, and more packaged foods, than our grandparents did, and well....you start to understand why we're overweight, fatigued and stressed.

You would be surprised how far-reaching the consequences can be. Even a minor deficiency in some obscure trace element or mineral is enough to wreak havoc on a person.

For instance, did you know that hyperactivity in children can be caused by something as simple as a magnesium deficiency? It breaks my heart to think about how many children are out there,  bewildered over why they can't seem to control their own actions, constantly in trouble at home and at school, parents pushed to the brink and ready to give up....all because of a simple mineral deficiency that could so easily be fixed with changes to diet.

Or that a deficiency in zinc can cause a loss of sex drive, irritability, low immune system, and miserable PMS symptoms? How many women (not to mention their frustrated partners) are struggling with these issues, and wondering "What's wrong with me?"

Most people consider themselves to be fairly healthy. I used to be one of them...until I started doing my own research. A truly healthy person does not get cold's or flu, does not need any prescription or over-the-counter medications. A truly healthy person exudes energy and happiness.
My advice is to regularly see a holistic healthcare practitioner, such as a naturopath or kinesiologist. One that sees the body as a whole, and is committed to healing the problem rather than hiding the symptoms.

 

14.) Learn to let Go. Life is what you make it. If you choose to be controlled by your circumstances and the actions of others, then you are going to spend a lot of time, miserable and terribly frustrated.

Ask yourself if this is going to matter in another 100 years. Next time someone cuts you off in traffic, or talks about you behind your back, ask yourself if it really matters in the scheme of things? If the answer is no, then let it go, and get on with living.

The same goes for forgiveness. Bitterness and resentment are terribly heavy burdens. No matter how badly you've been hurt, learn to let it to, otherwise you are only punishing yourself.

I learnt a surprising lesson on forgiveness this year. I had been carrying around some baggage for a long time, over the hurtful actions of someone I once loved. I thought I needed to forgive him. Turns out that I needed to forgive me.

I wasn't angry with him at all. I was angry with me. For being so "young and stupid". For struggling to get over him for so long. For trying too hard. For not trying hard enough.

It felt so liberating to admit this. And so nice, to make friends with myself.

15.) Lighten UP. Children laugh on average 400 times per day, while adults laugh only 17 times a day. Laughter and fun seem to come so easily to children. As we grow up, and take on more responsibilities, we change. There is no longer the inclination to do things "just for the fun of it". We become goal-orientated, and we feel that we are wasting our time if we are not accomplishing things.

Now, don't get me wrong. Goals are good. It would be a tragic waste to wander through life, aimlessly, with no direction. But, as a wise person once said: "We are in danger of becoming Human Doings. Not Human Beings".

We don't always have to be doing something with an end goal in mind. It's okay to just be. It's okay to take time out for relaxation and fun sometimes. Tell a joke. Learn to see the funny side.

And remember: He who learn to laugh at himself, will never cease to be amused :-)

16. Exercise your Democratic Rights. Many of us in the Western world are blessed to be able to live in a democratic society. While it's not perfect, it does have a lot of positives We are able to speak out for what we believe in, we are able to use people power to bring about change.

The role of a government in a democratic society, is to represent the will of the people. This is why they are called public servants. Because they are there to serve the public!

Write to your local political representative about issues that you care about. If enough people do this, then that is how we effect change.

Signing a petition can be effective, if enough names are gathered. So can signing a pre-printed postcard, but a personally addressed letter or email will have the most impact of all.

I absolutely agree with the importance of foreign aid, and of charities and NGO's working with homeless/sick/impoverished/exploited people, but wouldn't it be so much better if the problems weren't there to start with?

Make a stand for fairer trade laws that benefit ALL people, not just those in wealthy countries.

Fight for international laws that prevent companies from using people in third world countries as unknowing guinea pigs in scientific trials.

Ask for better food labelling laws so people can actually make an informed decision about what they're putting into their bodies, and so on...

17.) Support the Little Man. Have you noticed how our cities and towns are becoming eerily similar? Social commentators refer to this as "Clone Towns". Once upon a time, you may have walked down the street and seen deli's, and coffee shops, and gift boutiques.

Now you walk down that same street, and find McDonalds, Starbucks and Subway. Travel to the other side of the world, and you'll probably find the same franchises. Our unique heritage and cultures is gradually being eroded by the " Westernization" of the world.

While these franchises and large supermarkets are convenient, they are publicly traded companies, and their legal responsibility is to their shareholders, NOT to their customer, or to the environment. That is, their first and foremost responsibility is to make as much money as possible.

Many of the "little guys" are there because they love what they do, because they believe in what they're doing, and they care about the service they provide to the community. It's not always just about the money, for them.

So, support your local butcher, and deli, and craft shop. And when you are travelling and see those quaint hand-painted signs saying vegetables for sale along the side of the road, support them too. Small family farms struggle to compete with giant multinational companies in a global marketplace.

18.) Say NO to GMO. Genetic modification of food is here with us, whether we like it or not (and most of us don't, it seems). It was introduced nearly two decades ago, and many people are still completely unaware of the fact.

It's a concept that has been heavily pushed by Monsanto Corporation, as being the answer to world hunger (this is a farce, because world hunger is not caused by food shortages, just unfair distribution of food...), lessens the use of chemicals (this is also a farce. Research shows that the exact opposite has happened, and pesticide use has increased since the arrival of GM crops), increase crop yields (another farce. Again, the exact opposite has happened.)

In India, poor rural farmers were lured into buying GM seeds, with promises of higher-than-ever-before yields, and good prices. Many farmers borrowed heavily to buy the seeds, and when harvests failed - two years in a row, farmers began taking their own life. The supposed "pest-resistant" seeds fell victim to the bollworm. They were never told that the seeds required double the amount of water so when rains failed, the crops simply withered up and died.

An estimated 125,000 farmers have committed suicide in India, since India became a testing ground for genetically modified crops.

You see, genetically modified seeds are patented. You can't just save some of the harvest to grow another crop next year, like you would with traditional seeds. They are inbuilt with so-called "Terminator technology" so that the resulting crops cannot be used to reproduce, so next year, you have to buy a whole new load of seed. AND the genetically modified seeds cost around 10 times more than the traditional seed.

It is obvious that genetic modification was never about "feeding the world", or "raising third-world farmers out of poverty". It is about creating control over the market, and making vast profits.

But wait. It's get's even worse...

Studies on the long term health impacts of genetic food modification are sketchy at best. One lab study fed guinea pigs genetically modified soy, and there was a 25% reduction in fertility after one generation. The second generation had a 90% reduction in fertility.

There are now many studies that back up this link between GM foods and infertility. (They are inbuilt with "Terminator technology, to stop the seed from reproducing, remember? Well, it's looking increasingly possible that it also stops US from reproducing, too.)

And here's another alarming thought. Once GM crops are being grown, there is no way to stop them from being cross-pollinated with other non-GM crops.

PLEASE stand up and be counted on this issue. A good place to start is Say No to GMOs which aims to raise awareness and education about the consequences of genetic engineering of our food. By the way....did you know that 90% of processed food has genetically modified ingredients in it?

19.) Appreciate beauty. It sounds so easy and enjoyable, but why is it so hard? While I think we need to appreciate the beauty of nature more - the changing of the seasons, a flower opened up to the sun, dewdrops on spiderwebs - that's not the only beauty I mean.

See the beauty in others. And see the beauty in ourselves! Too often we are our own harshest judges. Instead of seeing an amazing human body, created by the hand of God, we focus on our bits of flab, or the pimple on our chin, or the crow's feet around our eyes.

I love the words of Mother Teresa - she could see the face of Jesus when she looked upon the sick and the suffering around her. To her they were not wretched and dirty and impoverished, they were precious children of God, worthy of her time and energy.

Look beyond the outer bits, and realize that every person is priceless. Every person is beautiful in their own way - treat them accordingly.

That includes yourself.

20.) Be Yourself. It's that simple. Be-You-tiful!! Think about it...out of the millions of inhabitants who have walked this earth, in times past and times present, there's never been one that was like you, with the same characteristics, gifts, dreams, or abilities.

We are all pieces in the giant jigsaw of humanity, each one so very necessary. No-one else can fulfill the same role, dream the same dream, or follow the same path, as you can. 

So go to it! Small things, done often enough, can and will change the world.

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Friday, August 22, 2014

Short-Term Gain and Long-Term Pain

A dear friend of mine worked in an aged-care home. She was perfect for the job - naturally warm and caring and kind, all the patients adored her, and so did her boss. She was reliable and hard-working and always willing to work overtime.

Gradually over time, her boss came to rely on her more and more, until every day off was interrupted by phone calls requesting her to work overtime and fill in for other colleagues.

After a while she became tired of it and began to think about getting another job…

I wonder how many employers make the same mistake with their best employees? Lean on them more and more, until the neediness becomes stifling and burdensome, and they find another place to work? Their short-term solution (and lack of foresight) makes life harder in the long run, because they lose their best employees and then have the stress of trying to replace them.

Sometimes it pays to honestly evaluate our lives and question if our behaviors and habits and choices are working for us.

Without this kind of awareness, it can be easy to fall into the trap of chasing short-term gains which, under closer scrutiny, actually make life harder for us in the long-term. 

We’ve all heard of people who couldn’t resist the temptation of stealing or cheating or fraud in order to get quick money, and then spent years paying the price for their crimes.

But even good, well-meaning people can fall into the trap of chasing short-term gains and end up with long-term pain. The scenarios may not be as dramatic or obvious as the fraudster who wins big now and loses out later, but they affect our lives just as surely.


This seems to be especially true of parenthood. It can be so tempting to give in to that tantrum, buy that lolly, overlook that bad behavior “just this one time”…for the blessed relief of a moment’s peace and quiet. But what have we gained, really? The next time round (and there always is a next time. Kids are clever that way), it will be that little bit harder, and then the time after that, until the day we realize we have created a rod for our own back. 

I had a stark reminder of this when I first came to Tonga, and was rather disturbed to see my sister-in-law giving her 18mth old son water sweetened with sugar. No doubt it had seemed like a good idea at some point when he was upset and couldn’t be calmed down, but now the molehill had become a mountain with the boy refusing to drink water unless it had sugar added, unable to sleep without his bottle of sweetened water and waking up constantly during the night and crying for more. 

At two years old, his teeth were already beginning to rot and had to have several removed because of terrible toothaches. 

Short term gains and long term pain!

How often do we get involved in an argument with a loved one and insist that we are right. We may well “win” the argument, but the long-term resentment that begins to simmer below the surface has made our victory hollow.

Short term gains and long-term pain!

Our society has become so enamored with the convenience of “fast” food or pre-packaged food. Unfortunately, the obesity epidemic, not to mention the other epidemics of non-communicable diseases like cancer and heart disease, are the results.

We have traded short-term gains for long-term pain – literally! 

It is a false economy to think that you are “saving money” by buying the cheapest foods. Cheap white bread, cheap white flour, minute noodles might look attractive when you’re trying to scrimp and save, but any savings will soon be eroded by the cost of illness and health complaints in your malnourished body.

You simply can’t expect to look and feel like a million bucks if you’re eating from the dollar menu…

The same can be said of “fast” food or packaged “convenience” food and microwave dinners. Any time savings now will eventually be eroded by the lethargy and illness that is the end result of not nourishing your body properly. 

You’re body will never perform like a well-oiled machine if you fuel it with junk.

I spent almost the entire decade of my 20’s, drowning in credit card debt. I would justify purchases saying I needed it now, and next week I’d be able to put the money right back on. But next week came and went, and by then some other bill needed to be paid, and somehow my good intentions became a $21,000 debt.

Sometimes (like the time I rang up and ordered a package from one of those daytime infomercials about how to get rich through real-estate), I even convinced myself that it was justified because it was going to help me make money..!

Each month, we struggled to pay even the minimum payments, on top of the mortgage and all the other bills.
We finally paid back the debt three years ago, only after selling our house and paying out the mortgage. I cut up the cards, closed the accounts and said a permanent goodbye to credit cards. 

Today’s mindset of buy now and pay later has placed enormous strain on so many marriages, families, individuals. Sure, it may be old-fashioned and inconvenient to save up and wait, but the ability to delay gratification and develop patience will reap benefits in the future.

It is good to enjoy today but, in all likelihood, today won’t be our last day on earth. Don’t spend today at the expense of tomorrow...

Tuesday, May 20, 2014

The Secret Of Real Financial Freedom

I know "financial freedom" is one of the latest buzzwords. People are working on building income streams and businesses on the side.

Don’t get me wrong, I think that's great! I believe in being proactive. I believe in working towards the life you want!
   
But I think freedom is a state of mind, and not the state of our bank account.

If our freedom is dependent upon having “enough” money/income (whatever that mysterious figure might be), then we are not free at all. In fact, we are the opposite of free. We are enslaved.

I contend that true financial freedom is knowing that you’ll be just fine, whether you have a lot of money or a little money. Because you already know that you have the drive, the creativity, the confidence to create opportunities, no matter what you’re circumstances are, or what the economy/your employer/the government does.

Too many people spend their lives in unfulfilling, soul-destroying jobs, so they can have money, so they can have options. Why not use your beautiful mind and create options now...and save yourself all that drudgery?

Let go of the limiting mindset that we must have money in order to have “freedom”, or options, or to live the life we want. Money doesn’t create options, YOU create options!! The truth is that most people don't really want more money, they want the lifestyle they assume can only be bought with money...

My husband and I wanted to be out of debt and have lots of time to spend with our children. We tried working harder, longer hours, saving more...all the usual things. But we seemed to be constantly going around in circles, never really getting anywhere. Because we assumed that the only way to be out of debt and spend lots of time with our children was to have more money. 

Then we started to think outside the box. We sold our house (sure that was a hard decision, but life is more important than a house), sold most of our stuff and moved overseas, where we live with extended family while we wait to build our own house. We have very little money...but we also have no debt and lots of time to spend with our children. 

Let’s say you want to travel, but you don’t have much money. Is the dream out of reach? Is it impossible? Of course not! You could:

House-swap 
Work overseas
House-sit
Exchange Program
Boat-sit
Back-pack
Couch-surf
Start a crowd-funding campaign 
Find a host family and stay with them, then return the favor when they come to visit you
Be a travel companion for someone who might be unable to travel alone
Freelance write or teach English
Get a job on a cruise-ship
Do something bold, like approaching a company and telling them you’ll proudly fly their company flag while standing on Mount Everest/Running with the Bulls/whatever adventure you’ve got planned...as long as they pay for your ticket. Who knows, the worst they can do is say no, right?! (People and businesses can be surprisingly agreeable, if there’s something in it for them.)

The options are limited only by your imagination. 


There are people who travel the world full-time, yet they are not wealthy!! They swap, negotiate, work their way around the world, and they do it far cheaper than it costs to live in any of the major cities of the world...

To think that you MUST have money in order to have options is slave thinking.  Free minds know that there are options everywhere. What’s more, free minds create them!!

There was a Canadian guy called Kyle MacDonald. A few years ago, he was unemployed and broke, but he wanted to buy a house. Conventional thinking says it would be “impossible”. (Conventional thinking also keeps most of us in 9-5 jobs that slowly snuff out our inner fire, and then we retire and then we die. Who wants conventional thinking?)

On his desk was a red paper clip. It gave him an idea. He went on Craigslist, and asked to swap. He found someone who wanted the red paperclip, and swapped it for a fish-shaped pen. Then he swapped that pen for a door-knob.  And so on, and so on, until he was swapping a jetski and a motorbike, and eventually...a house. Read his fascinating blog here.

The moral of the story is: there are opportunities everywhere. Most people don’t see them, because they have never been taught to see them. (The other lesson is that we usually have something that somebody else wants, and vice versa....so learn to barter!)

It’s a ridiculous notion when you think about it. We collect some little pieces of paper in our wallet, and suddenly we have options? No, friend, we always had options!

You know the saying: “Many people spend their health trying to gain wealth, and then have to spend their wealth trying to re-gain their health?" You don’t need to spend the best years of your life and health in order to have financial freedom. You can have financial freedom today, if you just realize this...

True financial freedom is being free of the fear that you might not have “enough”. True financial freedom is being free of the limiting belief that you must have money to live the kind of life you dream of. (You don't.)

True financial freedom is knowing you have the intelligence, the creativity, the willpower to create options beyond the sphere of money. No global financial crisis, no economic downturn, no job redundancy can take those things from you!! Now isn’t that real freedom?

Everything you need for an awesome life is already inside you. What a relief! Isn’t that real freedom? It can’t be stolen, embezzled, lost, eroded by inflation, or poorly invested. 

Now isn’t that real freedom?

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