Layout Image

Archive for December 2011

I just read a column on www.bankrate.com that came out this week by a well respected bankruptcy adviser. To put it mildly, the column made my head spin!

A reader wrote in asking if, now that their bankruptcy was filed, whether it would be a good idea to stop making payments on their mortgage (which was current!) in order to “force” the lender to modify the loan or allow them to refinance.

The adviser responded (in part) that if the reader decided to go that route and see if they could bluff the lender into refinancing they should continue to set aside the monthly payment amount in a savings account. That way, the expert reasoned, “you will have the funds available to bring the mortgage current in the event the lender calls your bluff.”

This is EXACTLY why people who have gone bankrupt should seek out a professional who knows the steps to take and the steps to avoid if they’re looking to rebuild their credit after bankruptcy.

The worst thing you can do after your bankruptcy is to add any new negative information to your credit report. The bankruptcy should be the last negative item you ever have reported on your credit report if you want to truly raise your FICO score.

Here’s what happens if you withhold your mortgage payment trying to get a lender to refinance or modify the loan. Regardless of whether or not the mortgage lender decides to change the terms, 30 days after you miss a payment, that late payment gets reported on your credit reports. Most lenders won’t even consider a loan modification until you’re 120 days late.

What’s more, most lenders won’t refinance a loan if you’ve got new dings on your credit report, especially on the heels of filing bankruptcy.

Here’s a better idea. Now that you don’t have any other outstanding debts except for the home mortgage, you keep the mortgage current at all costs. Within a year, because you will have no other negative credit items on your credit reports, you should be a in strong position to refinance, either with your current lender or with a new lender. Your debt to income ratio will be lower, because no longer have the credit card debt, and you’ll have a solid year of good payment history after your bankruptcy.

It’s crazy advice like what this bankruptcy attorney shelled out that makes it even more important for EVERY person who declares bankruptcy to read the 48-page Do’s and Don’ts of Bouncing Back From Bankruptcy (available only as an e-book). It’s a FREE resource that will increase your present peace of mind and future financial security. To get your free copy, visit www.newcreditafterbankruptcy.com – yes you’ll have to give me your email address and I promise to only mail you important stuff of interest from time to time!

Paula Langguth Ryan is the author of Bounce Back From Bankruptcy: A Step-By-Step Guide to Getting Back On Your Financial Feet, 4th edition, the world’s best-selling and most recommended book on rebuilding your credit after bankruptcy. The Do’s and Don’ts of Bouncing Back From Bankruptcy is excerpted from the full 262-page paperback book. For more details on either of these titles, or to request a 30 minute bankruptcy recovery consultation with Paula, visit www.paulalangguthryan.com/bankruptcytools

Share

Know someone who’s stressed out?

Wednesday, December 14th, 2011

Give someone you love the gift of peace of mind this holiday season

So powerful, so incredible; so much healing
“Paula, I just listened to your Face to Face CD the whole way through while being awake (after having listened to it repeatedly while falling asleep). I can’t even believe how much beneficial, incredible information is condensed into one CD. You’re saying it all. It’s so powerful, so incredible; so much healing there. Why isn’t Hay House or some other publisher like that publishing this? Hay House should be publishing your stuff. You MUST send this to Hay House, immediately. Wowie, Zowie!”
- – Kris Yockum, Tampa, FL

Regularly $15, you save 20% when you order
before midnight December 23
Order 3 or more and save 50%!!

Amazing impact on someone with autism
“My step-sister has autism and likes to listen to music on her CD player when she’s taking her afternoon nap and when she goes to bed. One day, she was staying at my house and had forgotten her CD player, so I lent her mind, with the Face to Face CD in it. She refuses to listen to anything else anymore. When she puts the earphones on, and your soothing voice starts talking, she takes a deep breath and says, “Ah, relax…”

A few weeks after she began listening to the CD, we were walking to the state fair. As the sidewalk began getting crowded, my step-sister stopped walking. Crowds usually make her very nervous. She took a deep breath and I steeled myself for her reaction. “Ah, relax,” she said – and we continued on our way.

If this CD has this type of impact on someone with autism, just imagine what impact it will have on the rest of us! I think we have created something amazing here and I pray that we’re able to reach a wider audience who can experience these benefits for themselves.” – Renelle West

To order your copies of our Face to Face Meditation CD today, click HERE

Share

INNER TRANSFORMATION – December 2011 issue

Little children are the most marvelous teachers when it comes to our re-learning who we really are in this Universe. Case in point: this weekend I joined my nearly 3-year old godson, Ivan, and his family at the Idaho Springs hot springs.

Ivan LOVES to swim in hot water. The hot springs pool is nearly 5 feet deep but that doesn’t stop this toddler. Encased in his flotation water suit, he looks like Superman. Tell him so and he’ll shoot you an all knowing ear-to-ear-grin. The truth is, he knows he IS Superman. In his water armor he can jump into the deep water, get completely immersed and always wind up with his head above water. No matter what. He’s completely trusting and secure in the knowledge that he is supported.

What impressed me most though was something that happened three hours into our watery adventure of swimming, jumping and noodle races with the big boys. Ivan swam over to me, laid his head on my forearm, stretched his body out in the water and fell sound asleep. Secure and trusting that he would be supported, he relaxed into the moment, completely oblivious that he was in deep, hot water. (A place we’ve been ourselves, from time to time with much less trust, yes?)

“Lest we become like little children.” The absolute belief that we are supported and invincible is a wonderful launching pad for this issue of Inner Transformation. We’ll talk more about our inner 2-year old…seems to be a theme! We’re also doing a little “outer” transformation with the newsletter starting in January. We’ll be going to one article a week rather than 5 articles a month. Easier and quicker for you to read! In the meantime, here’s what’s in store for you this month: (click on the link to go to each article!) Enjoy!

10 MINUTE PROSPERITY TOOL: Where Would You Spend a Dollar to Do the Greatest Good? Imagine if I gave you a dollar in change. What would you do with the money? How many lives would you transform with a dollar? It’s easy to get caught up in the belief that we can’t make much of a difference with what we have. Or we make the decision to use the dollar to buy a lottery ticket in the “hope” that we can transform that dollar into something “truly” useful. (read more)

CONFLICT DISSOLUTION: Why Playing Fair Sets Us Up for Failure An interesting commentary posted on CNN.com by Julian Zelizer caught my attention last week. Zelizer is a professor of history and public affairs at Princeton University. He outlined his own personal strategy for how Democrats could win the 2012 election. The key, says Zelizer is fairness. And he’s not talking about fighting fair in campaign sound bites. He was talking about building the Democratic campaign around a platform based on fairness. The only challenge is this: people have different ideas of what is “fair.” And unless everyone has the same standard of fairness, trying to play fair is a losing game. (read more)

ON A POSITIVE NOTE: How to Vote Your Inner 2-Year Old Out of Office Does it feel sometimes like your inner two-year-old was elected “boss of you” and is trying to take up residence as president for life in your world? A subscriber wrote who feels a bit like that. She knows what she wants to create in her life, yet she’s resisting taking the next step toward what she desires. (read more)

FINANCIAL RECOVERY: How to Select the Best Credit Card to Rebuild Your Credit If you’re looking to get a credit card to rebuild your credit, a good secured credit card may serve you better than an unsecured card. That said, finding a good secured credit card is getting a wee bit challenging. Many creditors have done away with secured cards, or have created secured cards that actually hurt you financially. (read more)

SPIRITUAL ENRICHMENT: What Tim Tebow Can Teach Us About Manifesting and The Power of Faith Forty years from now, when Denver Broncos quarterback Tim Tebow is bouncing his grandchildren on his knees, someone’s going to make a film about this year’s NFL football season. I can see it now, ala Rudy, the inspiring, gritty story of Notre Dame’s Daniel “Rudy” Ruettiger. My screenplay (if I was tapped to write the story) would focus the audience’s attention on the lesson Tebow teaches us about how the power of faith contributes to our ability to manifest our desires, time and again. Just to backtrack a wee bit, (read more)

PAULA IN THE NEWS: Live and in person, on TV or virtual, you can find events with me at http://www.paulalangguthryan.com/events. Upcoming teletalk: Dec. 28, Manifesting Faith While Going Through Challenges. Upcoming internet radio events TOMORROW: Dec. 14, 11am ET Creating An Abundant Holiday Season, Part 2 with Sacred Abundance creator Robin Reiter on www.unity.fm and The Conflict Free Zone every weekday 8:30-9am ET on www.blogtalkradio.com/conflictfreezone!

FEATURED TRANSFORMER TOOL: Right and Perfect Job CD or MP3 http://www.paulalangguthryan.com/shop/dream-job/ $22.25
Looking for a career change or a promotion? Tired of jobs that leave you burnt out? Feel there must be “some reason” why you can’t find the right and perfect job? Seeking a job that will give you financial freedom? Want a boss who appreciates, supports and compensates you in the ways you deserve? You CAN revitalize (or manifest) more fulfilling work, effortlessly draw to you an appreciative, supportive and financially successful employer, boost your desirability, enjoy increased compensation, joy and mutual respect…and create everything else you desire in a job. Right and Perfect Job shows you how to land a job NOW, with step by step guidance.

Discover how this CD helped end a 10 month job search:
“I was fortunate enough to attend your seminar in Palm Harbor, FL in October 2011. I had been seriously looking for another job since January 2011 and had not had any success. While at your seminar, I purchased your CD titled “How to Manifest the Right and Perfect Job”. I listened to the CD several times and followed your guidance. Within a few weeks of completing the CD I was granted 2 interviews from 2 different companies. After interviewing with both companies, I was offered the position I wanted the most. To add even more delight, I received my follow up letter from you the next day. I read what I had written regarding moving into a different career. It brought me to tears…tears of joy. I can’t thank you enough for taking the time out of your busy schedule to conduct a seminar at such a small venue. This is a life changing career move for me. Many thanks for everything you did to help those of us that were fortunate enough to hear you speak that night! — Debbie B., FL

To get the full newsletter text delivered to your email box, subscribe to the newsletter by clicking HERE.

Until next issue, I wish you peace and prosperity,

Paula Langguth Ryan


Imagine if I gave you a dollar in change. What would you do with the money? How many lives would you transform with a dollar? It’s easy to get caught up in the belief that we can’t make much of a difference with what we have. Or we make the decision to use the dollar to buy a lottery ticket in the “hope” that we can transform that dollar into something “truly” useful.
Share
Comments (0)
Categories : Peaceful Balance

What Tim Tebow Can Teach Us About Manifesting and The Power of Faith

[Editor’s note: Though I’m a Chicagoan, I must say I was actually overjoyed when the Broncos pulled out an overtime win against the Chicago Bears, if only because it sparked the idea for this article!]

Forty years from now, when Denver Broncos quarterback Tim Tebow is bouncing his grandchildren on his knees, someone’s going to make a film about this year’s NFL football season. I can see it now, ala Rudy, the inspiring, gritty story of Notre Dame’s Daniel “Rudy” Ruettiger. My screenplay (if I was tapped to write the story) would focus the audience’s attention on the lesson Tebow teaches us about how the power of faith contributes to our ability to manifest our desires, time and again.

Just to backtrack a wee bit, in case you’re not a football fan or you’ve been out near the South Pole at McMurdo Research Station like my friend Mo (welcome home, Mo!), a summary of the “Tim Tebow Story” may be necessary.


photo by Ezra Shaw/Getty Images, courtesy of www.denver.sbnation.com


Tim Tebow, 24 years old, isn’t the most polished or skillful NFL quarterback, according to pundits. Yet somehow he’s gotten national attention for pulling the Broncos up by their bootstraps the past seven games (including three overtime wins!) by stepping up in the fourth quarter. Admirable in and of itself, but what makes Tebow’s story interesting is this: after every good play and every win, he raises his index finger skyward and says “Thank you, God!” He also “Tebows,” dropping to one knee and bowing his head in prayer and gratitude.

Tebow doesn’t waste time or energy saying that God is winning games for him and the Broncos. In fact, Tebow is quick to point out that “God doesn’t care if the game is won or lost.” His faith hasn’t been built around getting something from God in exchange for his belief. Nope. Tebow’s faith is all about how you play the game – on the field and in “real life.”

Tebow shows up and extends love wherever he goes. He shows up even when he’s behind. Even when the crowd is taunting and booing (and worse). Tebow simply shows up and continues moving forward, always giving God the glory as they say. Despite any appearances to the contrary, Tebow sees the good. Always. Even when an opposing team member sacked him and “Tebowed” in mimicry, Tim Tebow saw the best in the action and gave the other player kudos for the sack.

Tebow is a walking, breathing demonstration of how the power of faith in God within helps manifest what we desire. Without any attachment to the outcome. I know that even if the unlikely event happens where the Broncos don’t pull out a last minute win and the fans go home thinking God no longer finds favor in Tebow, Tim Tebow will still take a knee and bow his head and praise God. Because he’s not attached to the outcome. He’s simply all in, always.

Tebow believes nothing and no one is able to overcome the Good. The outcome is assured. Despite appearances, despite the final score, EVERY game well played is a win. And so, when he is knocked down, he gets up. He brushes himself off. He lines up with wherever the ball is on the field of life at that moment, and prepares himself and his team and he takes the next snap. He keeps playing. He keeps moving the ball forward.

As my greatgrandmother would say, Tebow realizes his only job in this world is to show up, look pretty and be of service to God (by whatever name you call that Universal Energy). He accepts the current situation, assesses it and moves forward with absolute assurance that God has got his back and that only good will result.

How can you do the same? Recognize the truth of what you desire. Choose to believe that what you desire is a done deal. Keep putting in 100% effort despite any appearances to the contrary. Let go of the attachment to the form of the outcome. And lastly, always remember to give thanks to the Source of All Good each step of the way. As for the final outcome of this year’s football season, I for one can’t wait to see how the bookies handicap the Broncos in the Super Bowl.

***
Want to learn how to cultivate a Tebow-Type faith? Join us Wednesday, Dec. 28 from 8-9pm ET for our year end fundraiser “teletalk” (like the Teletubbies, only different). This year’s topic: Maintaining Faith while Going Through Challenges. The call is offered on a donation basis. Donations collected will be split 50-50 between The Village Gathering’s Kenya projects and to help offset Power of Our Way founder Ani Pathik Law’s medical bills. To register and get the call in information, visit http://www.paulalangguthryan.com/maintaining-faith-while-going-through-challenges.

Share

Tired of having your faith shaken with every new up and down in your life?

Listen to our Maintaining Faith While Going Through Challenges audio

Register to get the audio download by clicking HERE

Discover exactly how, step by step, you can restore, renew and hold stead in the faith that the outcome that’s for your highest good will be manifest in your life.

This year’s teletalk is being offered as a fundraiser for two groups, through The Village Gathering.

1. The Village Gathering Kenya Projects (click HERE to learn more about our on-going projects in Kenya)

2. Power of Our Way Community founder, Anita (Ani) Pathik Law’s on-going medical expenses  (click HERE to learn more about Ani’s amazing work!)

The call is absolutely free. However, if you’d like to make a tax-deductible donation in gratitude, you can do so before the event or anytime during or afterward by visiting this link (please mark in the NOTES that your donation is for the Teletalk!):

REGISTER to get the audio downlink by filling out the form you’ll get directed to a “Thank you” page – then check your email for your download instructions! (Be sure to add “paulalangguthryan.com” and “artofabundance.com” to your approved email list so you get your download instructions!)

Name
Email
State
Country
What challenge are you experiencing that’s testing your faith?


http://www.powerofmyway.com/
Share
Comments (1)
Categories : Peaceful Balance