Paula Langguth Ryan, CM Press

Author Archive for Paula Langguth Ryan, CM Press

February 2013 Inner Transformation

By Paula Langguth Ryan, CM Press · Comments (0)

Sunday, February 3rd, 2013

Today is Super Bowl Sunday, when the competitive nature of Americans comes out even stronger than it does on Election Day! It’s a day we identify very strongly with things outside ourselves as “the competition.” What if, instead, from today forward, you chose to compete only with yourself – to each day be more of all you’ve been called to be, to be more present and more loving, more productive, creative, generous, and more connected to your Source than the day before. What do you think you could achieve if you competed WITH yourself instead of AGAINST the world?

Self competition, the desire to grow, is the theme of our lead story, which shares the power in one ordinary child’s intentions. Today is a coda to his already achieved dream.

This month, we are officially 20 years old. Over the past two decades, we’ve watched the “manifesting” movement go mainstream and we’ve watched the economy rise and fall. And we’ve watched tens of thousands achieve their dreams. Whether you’re a newbie to my work or you’ve been here all along, I am grateful for your support, for sharing my work with others, and for buying my books, cds and dvds, and attending my events. You are why I choose to break through old boundaries and limiting beliefs and continue to do the work I do. As my thank you, all month long, EVERYTHING I OFFER IS 20% OFF, including the already tremendously discounted Financial Strategy Sessions you’ll find at the end of this issue (that special ends Feb. 15, though, so grab ‘em fast!) Use coupon code Y25K48SCP to get your 20% savings!

Before we dive in, on a somber note, I got word last month that a much-admired peaceworker, Chris Edwin Dahl of the Minnesota chapter of Parents of Murdered Children passed away. His Light shines on in all who were blessed to cross paths with him. You can experience his work by listening to the powerful Conflict Free Zone radio interview Chris did with me. I dedicate this month’s issue to my brother-in-peace. R.I.P. Chris. http://www.blogtalkradio.com/conflictfreezone/2012/07/03/conflict-free-zone-w-paula-langguth-ryan-ani-pathik-law.

In This Issue:

1) DO YOU SET INTENTIONS AS POWERFULLY AS THIS?
2) ARE CREDITONE AND FIRST PREMIER BANK PLATINUM CREDIT CARDS FOR BAD CREDIT A GOOD IDEA?
3) THAT’S WHAT I CALL A PROSPERITY CONSCIOUSNESS
4) UPCOMING TELESEMINARS, WEBINARS AND ON-LINE E-COURSES
5) FEATURED TRANSFORMATION TOOL: RIGHT AND PERFECT MATE
6) HOW MUCH OF YOUR HOLIDAY BILLS ARE LEFT TO PAY OFF?

1) DO YOU SET INTENTIONS AS POWERFULLY AS THIS?

What would you have told your 10-year old self about who you would be at age 17? Here’s what one 4th grade California student wrote in response to his teacher’s assignment:

“I think in 7 years I will be between 6 ft- to 6 ft 4 inches 140 pounds. I hope I go to a good college in football then go to the pros and play on the niners or the packers … (Read the rest of San Francisco 49’ers Quarterback Colin Kaepernick’s story at: https://www.facebook.com/notes/paula-langguth-ryan/do-you-set-intentions-as-powerfully-as-this/540670879298144)

2) ARE CREDITONE AND FIRST PREMIER BANK PLATINUM CREDIT CARDS FOR BAD CREDIT A GOOD IDEA?

Looking to rebuild your credit score, get new credit after bankruptcy or get access to credit when your credit is in the toilet? Folks with low credit scores or recent bankruptcies are getting deluged with pre-approved credit offers that seem too good to be true, according to folks who have sent me copies of the applications recently. So what’s the deal with these offers? A pre-approved unsecured credit card should do more than just report your credit scores and help you raise your FICO score. A good unsecured card should also make good financial sense. Too often the FEAR of having to rely ONLY on the income that comes in makes people jump at credit card offers that financially will put them in the poorhouse.

Let’s start with a review of CreditOne Bank. CreditOne bills itself as “one of America’s leading issuers of VISA Platinum credit cards.” That in itself tells us a lot about the current state of the US economy since they are one of the largest issuers of subprime credit cards.

Right now, CreditOne is mailing out offers of a “pre-approved credit line up to $1,500.” Here’s why I… (Read the rest of this story at: https://www.facebook.com/notes/paula-langguth-ryan/are-creditone-and-first-premier-bank-platinum-credit-cards-for-bad-credit-a-good/527019380663294)

3) THAT’S WHAT I CALL A PROSPERITY CONSCIOUSNESS
“Do all you can with what you have, in the time you have, in the place you are,
do all you can….” – Do All You Can Lyrics, Devotion (www.devotionsings.com)

Two amazing stories I came across recently. First, did you hear about Curtis Jackson in Chicago? Not 50-Cent, but the OTHER Curtis Jackson? From December 2010 to May 2011 he plunked down over $9,000 to pay for a hotel room for a single mom and her 10-year old son after the woman lost her job as a banker and had her home foreclosed on. “I’m one of the richest men on earth, ‘cause I have God,” said Curtis. “Money is not my master.”

Here’s what’s unusual about this story. Curtis Jackson has no assets and has been homeless since 2004. The woman in the story? She used to stop and give him money and talk with him over the years, when she would see him panhandling. After losing her job and then her home, the woman and child were living in her truck for three months – until Child Services threatened to take the child away if she didn’t come up with something safer. Her social worker gave her money from her own pocket to get a hotel room for a few days and come up with a plan. That’s when Curtis Jackson stepped in. (Read the rest of this story at: http://www.paulalangguthryan.com/now-that-is-what-i-call-a-prosperity-consciousness/)

4) UPCOMING TELESEMINARS, WEBINARS AND ON-LINE E-COURSES

Here’s what’s on the schedule for this Spring (Remember to use coupon code Y25K48SCP to get your 20% discount if you register this month!):

* Gently Overcome Conflict Avoidance – in 7 Short Weeks (Starts in late March – details coming next week!) $47 (45 minutes a week, 15 minute Q&A and email support included.)
* Giving Thanks Tithing Mastery Course (Brand new 10 week teleseries starts April 9 2013!) – http://www.paulalangguthryan.com/art-of-tithing/ for details. $27 investment in your future – registration is already open at the link above!)
* Despite Appearances – How to Create What You Desire in Your Spiritual Home Regardless of Your Current Attendance or Income (FOR MINISTERS AND SPIRITUAL LEADERS: 1 hour teleseminar/webinar option Coming in May! No charge!)

You can follow me on Facebook at my public page: https://www.facebook.com/pages/Paula-Langguth-Ryan/161370323894870?ref=ts&fref=ts) Or you can follow my blogs at www.paulalangguthryan.com/blog

5) FEATURED TRANSFORMATION TOOL: RIGHT AND PERFECT MATE
It being February, your mind may be on relationships – the one you have or the one you’d like to have. Do you currently have a mate and want a better, more loving and communicative relationship? Or are you looking for your twin soul? My Right and Perfect Mate workshop (available on cd or downloadable mp3) can help you manifest, build or revitalize any relationship. Instantly download the audio files for $22.95 or order a CD and have it shipped to you. http://www.paulalangguthryan.com/shop/ideal-mate/ (Remember: use coupon code Y25K48SCP to get your 20% savings!)

6) HOW MUCH OF YOUR HOLIDAY BILLS ARE LEFT TO PAY OFF?
What amount of your holiday bills do you still have left to pay off? (Remember to include the “buy now/pay later” and “stretched out over 6-12 month credit offers!). I was just featured in a new article about 6 ways NOT to pay off credit card debt from the holidays. Enjoy: http://www.creditcards.com/credit-card-news/6-bad-ways-pay-holiday-debt-1267.php (Article includes great tips on better ways to pay off the debt….)

That’s all for this month! If you want to get a handle on your debts, or get some clarity about your finances, or create a plan for your financial future, consider a 30 minute Financial Strategy Session with me. Until February 15, we’re running a $99 special for 30 minutes and a $150 special for 60 minutes (which you can use in 6 minute increments!) To book yours: http://www.paulalangguthryan.com/coaching/ (Remember to use coupon code Y25K48SCP to get an extra 20% savings on your sessions!)

How effective is a 30 minute session? Here’s what one client said after hers last week: “Ten years ago, Paula Langguth Ryan did a workshop at my former B&B and Retreat Center, Harmony Oaks. Today she gave me financial peace of mind in only thirty minutes. Four years of recession struggle put to rest. God bless Paula Langguth Ryan!!! If you need help, check out her website for lots of free info AND get a thirty minute session with her!!! It’s priceless!”

Every time something “happens” in our life – an event, a physical ailment, anything at all, we have a choice… I choose to immediately look at how my thoughts and beliefs are creating it…and what my payoff might be for keeping it… I challenge you to do the same today!

Peace and prosperity,

Paula Langguth Ryan
To send a tithe or offering in support of our work, please visit: http://www.paulalangguthryan.com/art-of-tithing/support/

We are immensely grateful for YOU! Thanks for sharing this work with everyone you know!

Are CreditOne Bank and First Premier Bank Platinum Visa and MasterCard for Bad Credit a Good Idea?

By Paula Langguth Ryan, CM Press · Comments (1)

Saturday, January 12th, 2013

Right now, CreditOne is mailing out offers of a “pre-approved credit line up to $1,500.” Here’s why I don’t like these guys. First, off your starting credit line would actually only be $300. There’s a $75 annual fee the first year, which is deducted right off the bat. And then there’s a $99 annual fee starting the second year (we’ll revisit this in a sec). Some online reviews plug the fact that these guys don’t charge an over-the-limit fee, where others charge $35 a month if you’re over the limit. (We’ll get back to THAT in a sec too!)

The interest rate is 23.90% APR (it’s calculated by taking 20.65% and tacking on the Prime Rate, which is currently 3.25%). The total rate can go up to 29.90%. Stiff yet not outrageous compared to other unsecured pre-approved credit cards of this type. Here’s the kicker, though, of why I DO NOT RECOMMEND CREDIT ONE’S CARD.

CreditOne charges interest from the day you make your purchase or charge anything to your card. Even if you pay the bill off in full each month, you’re paying interest on whatever you charged. And if you don’t pay it off in full each month, you then start paying interest on the interest.

So let’s go back to that $99 annual fee. You’re charged that as $8.25/month. Which you pay interest on from the moment they post it to your account each month. Your actual monthly payment then is more like $10.23/month – or an annual fee of $122.76. And as for that perk of no “over-the-limit” fee? They WANT you to carry a balance and don’t mind if it’s over the limit because then they get to add more interest every single day. If you’re carrying a balance of $350 each month, for example, you’re paying them an extra $434 a year. Why would they want to charge you a pesky $35 fee one month to alert you to the fact that you should pay down your bill when they could be getting $434 a year from you? CreditOne – colossal fail.

What about First Premier Bank’s Platinum MasterCard, though?

Much more enticing with their $700 initial credit line and the fact that all interest charges are waived each month you pay your balance off in full (even though they too accrue the minute you make a purchase). But that’s where my kudos for this card end. And here’s why. The first year, you pay a whopping annual fee of $175, which makes your initial credit line $525 – and you’ve got a balance of $175 you’ve got to pay off the first month. On top of that, once your application is finalized, you have to pay an additional $25 processing fee to get the card activated. But wait, there’s more (I feel like a little like Ron Popeil right now!) After the first year, they generously reduce your annual fee to $49 – and stick you with a monthly servicing fee of $14.50 a month, which comes to $174 a year.

And the interest rate if you carry a balance? 36%. That’s right. Thirty. Six. Percent. That works out to interest of 3% a month. Most credit cards only require a minimum payment of 3% a month – so riddle me this… if you’re paying 3% of your balance each month, and they’re adding 3% of your balance in interest, how long will it take you to pay off your credit card in full? I can hear Buzz Lightyear right now “To Infinity and Beyond!”

Here’s an even more laughable fee they charge: when you’re approved for a credit increase, you’re charged a $25 Credit Limit Increase Fee for every $100 credit addition you get – so they get 25% interest from you in ADDITION to the 36% you’ll get charged if you carry a balance.

In my mind, First Premier Bank is English for “Loan Shark.” Buyer beware.

Got another bank that’s sending YOU credit card offers? Send me information about them and we’ll check ‘em out and report back! For a personalized strategy on getting a handle on your credit and debt situation, consider a 30 minute strategy session with me. Email me at paula@paulalangguthryan.com

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Categories : Bankruptcy, credit after bankruptcy, Financial Recovery, Get Debt Free, Healthy Money, Peaceful Balance

Now THAT Is What I Call a Prosperity Consciousness!

By Paula Langguth Ryan, CM Press · Comments (1)

Thursday, January 10th, 2013

“Do all you can with what you have,
in the time you have,
in the place you are,
do all you can….” – Do All You Can Lyrics, Devotion (www.devotionsings.com)

Two powerful stories came across my radar this week, one recent and one a year old.

Did you hear about Curtis Jackson in Chicago? Not 50-Cent, but the OTHER Curtis Jackson? From December 2010 to May 2011 he plunked down over $9,000 to pay for a hotel room for a single mom and her 10-year old son after the woman lost her job as a banker and had her home foreclosed on. “I’m one of the richest men on earth, ‘cause I have God,” said Curtis. “Money is not my master.”

That’s when Curtis Jackson stepped in. He heard about her plight. And then every day, he quietly started taking the money he received panhandling to the hotel to pay her bill. He kept enough for food and bus fare for himself. He paid her bill until she didn’t need a helping hand any more.

Curtis Jackson, unusual Chicago philanthropist

Curtis gives because he doesn’t feel like he lacks. And he’ll keep giving and helping anyone he sees who could use a hand up.

And then there’s Los Angeles lawyer Tony Tolbert who made headlines last week when he moved back home with his parents. He donated his fully furnished home for a year to a single mother of four who had been living in a homeless shelter for women and children. Some praised his act, some questioned his sanity, others questioned his motives, some ranted about how the folks were going to trash the place, others chastised him for it being “only for a year.”

http://www.cbsnews.com/8301-505263_162-57561565/man-offers-his-house-to-homeless-family-for-a-year/

Funny thing, though. This isn’t the first time Tony Tolbert has opened up his home like this. The year before, he “rented” his house for $1/month for a year to a single mother with three children who were living in a shelter for abused women. His only direction: “Whatever has to happen to keep things drama free, that’s what I need you to do.” The experience went so well, he decided to do it again.

http://www.afro.com/sections/news/afro_briefs/story.htm?storyid=77127

Tony was encouraged by an article that described how a family sold their home, moved into a smaller home, and then took the $800,000 sales proceeds and donated the money to charity.

“We can do it wherever we are, with whatever we have,” said Tolbert, who’s own father taught him the importance of giving to others.

These are two men from vastly different backgrounds, who chose to make a difference. So often, we see people in need and we ask “why doesn’t somebody DO something?” And we point the finger at those who we believe are the “somebody” who should be taking action.

I think the problem is, most of us, somewhere in our minds, don’t think we are “somebody”. Instead, we tend to think, “who am I to… help, step in, get involved, create something amazing?” We also tend to think that those who have MORE should do something for those who have LESS. And when those who have more do things for those who have less, we judge the motives of the givers, and we judge what the recipients will do with what we give them. Just as we judge the way we give and the way we receive. It’s a vicious cycle of cynicism that keeps us from extending and receiving love. (If you’d like to break through that cycle in your own life, get a copy of the free e-book and workbook Heal Your Relationship With Money at www.paulalangguthryan.com/thepill

The way these men give reminds me so much of the work that Pastor George does for his fellow Kenyans in Nakuru. He and Naomi have a blended family of nine. (Including the young twins Paula and Paulette!). They spend almost all of what they earn paying the tuition for school children whose parents can’t afford to send them to a school that teaches in English. The average salary for a Kenyan is $1080 a year.

Pastor George knows firsthand that learning English is the ticket out of poverty in Kenya. Others helped him get educated, and he is paying that forward. Even when it means his own family goes without. That’s why we support Pastor George and the Bright Star Academy as one of the projects at The Village Gathering.

Pastor George’s belief is this: “God always provides.” And even if it means he goes a day or two with only tea and toast, God has provided one more day of education for a small child. And for him, that’s a precious gift.

It takes so little to make a difference in this world. Each of us IS somebody. While it might seem over the top to give all you earn to a homeless woman or school children in a faraway country, or to give your house away to a family for a year at a time, you do have something to give right now. Even your spare change makes a difference.

Give locally, or if you’re so guided, join me in helping Pastor George transform the fledgling democracy of Kenya into a sustainable positive African economy by keeping Kenyan children in school. Every dollar donated to The Village Gathering via www.paypal.com goes directly to the projects we support. The only exception is the Western Union or Wire Transfer fees charged. A $35 donation feeds a school child (they get 2 meals plus tea each day so their brains can learn) for an entire MONTH. $50 feeds a child and pays their tuition for a month if their parents can’t afford it.

To learn more, or donate today, visit http://www.paulalangguthryan.com/the-village-gathering-kenya-projects/

To make a donation directly through PayPal,visit www.paypal.com and send money to the village gathering account we have set up under user name tammie@artofabundance.com.

It’s like the wonderful duo Devotion says in their song about a young boy with AIDS in Africa who spent his time, before he died, doing charitable works: Do all you can, with what you have, in the time you have, in the place you are. Do all you can.

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Categories : Peaceful Balance

Where’s your focus? Lack or abundance?

By Paula Langguth Ryan, CM Press · Comments (0)

Saturday, January 5th, 2013

How quickly we get off track or miss our good when it appears…. Watch this 90-second video which is a “selective attention” test. Then come back to this post and read what’s below it….: http://www.youtube.com/watch?v=vJG698U2Mvo

This is a PERFECT example of how we tend to only SEE whatever it is we focus our attention on. If your mind is riveted on what’s “missing” or “lacking” in your life, then that’s what you’re going to see… and you’ll completely miss the opportunities that stroll by. 50% of the people who watched the video and focused on counting the basketball passes NEVER saw what else occurred in the video. They missed it COMPLETELY.

If you’re focused on what’s NOT going right in your life, it may be time for a mentor. And this year, to celebrate my business’ 20th anniversary I’m offering 5 people the chance to be mentored by me. Mentorship lasts a year. Cost is $500/month or $5000 upfront. Email me at paula@paulalangguthryan.com with what you’re looking to accomplish this year and we’ll see if we’re a good fit.

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Categories : Peaceful Balance

Why we never really see anything at all…

By Paula Langguth Ryan, CM Press · Comments (0)

Friday, January 4th, 2013

Back in the 1970’s a study was done with Jell-O to see what affect color (our perception) had on our sense of reality (the taste). Researchers took lemon Jell-O and made three batches. They added blue food coloring to one batch and red food coloring to the other. They had two groups of people taste the Jell-O – one group was blindfolded and one could see the Jell-O. The blindfolded group tended universally to state that all three batches were lemon. The group that could see the colors said the blue Jell-O tasted like blue raspberry for example, and the red Jell-O ran the gamut from strawberry and cherry to watermelon.

Why the difference? When we see something, we have a pre-formed judgment about it based on past experience. So when we are seeing circumstances in our lives unfolding, we tend to label them based on that past perception and NOT based on reality. The reality is: EVERYTHING in your life is unfolding in Divine Order, for an amazing reason that is ONLY designed for your highest good and the highest good of those around you.

If you struggle with that concept, and want a new way of looking at things so you’re drawing the good into your life, it may be time to start investing in changing your perception. Make today the day you become willing to see how things are conspiring for your highest good. Express gratitude for what is and ask to have the true perception revealed to you, free from past beliefs and stories. For help, consider a coaching session with me OR take advantage of the mentorship program I’m offering 5 lucky folks as my company’s 20th anniversary present. You could transform your life completely this year. Cost is $500/month or $5000 up front and for 1 year you receive unlimited email support and access, 1 weekly one-on-one call with me and access to all my published resources, videos, audios and programs. To see if we’re a good fit, drop me an email at paula@paulalangguthryan.com and tell me what 5 most pressing areas you’d like to transform in your life this year and where you’re feeling stuck.

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Categories : Inner Transformation Newsletter, Manifesting, On a Positive Note, Peaceful Balance, Spiritual Enrichment

Tags : changing your story, creating inner peace, perception

Author Archive for Paula Langguth Ryan, CM Press

Are CreditOne Bank and First Premier Bank Platinum Visa and MasterCard for Bad Credit a Good Idea?

Now THAT Is What I Call a Prosperity Consciousness!

Where’s your focus? Lack or abundance?

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Author Archive for Paula Langguth Ryan, CM Press

February 2013 Inner Transformation

Are CreditOne Bank and First Premier Bank Platinum Visa and MasterCard for Bad Credit a Good Idea?

Now THAT Is What I Call a Prosperity Consciousness!

Where’s your focus? Lack or abundance?

Why we never really see anything at all…

Inner Transformation Magazine

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