Earn Money By Harnessing Your Conscious And Subconscious Mind

By Christina Helwig

Your mind has two main areas: the Conscious and Subconscious Mind. Together these two areas control your actions, habits, thoughts and ultimately the results you have in your life. As we talk about each area of your mind, understand that while these concepts may seem simple and elementary, they have a far reaching and profound affect on your life. They help dictate every aspect of what makes you who you are and will continue to control everything in your life until the day you die or until you choose to change your mental programming.

The Conscious Mind is where your brain does all your day to day automatic thinking. This is where you make choices and where you primarily function in normal life. When you hold a conversation or watch a movie you are using your conscious mind. Both the conscious mind and the subconscious mind think in images. If you think about your family pet a picture of the pet will flash on the screen of your conscious mind.

You also can only hold one image on the screen of your mind at any one time. For example you cannot think of a car and a dog in detail at the same moment. While you might be able to project them side by side you are not able to see the dog and the car as separate images at the same time. Your mind has to flip back and forth.

This ultimately means that you cannot think of a negative idea and a positive idea at the same time. While your mind might be able to flip back and forth between negative and positive ideas or images very rapidly, it is not able to hold those two images at the same time.

Most people would think that the Conscious Mind controls the Subconscious Mind, but this is not so. The Subconscious Mind is the real power source in our lives. The Subconscious Mind stores all our concepts about who we are, what we are capable of, what we are not capable of and every other detail we believe to be true about our world. We can refer to the Subconscious Mind as the emotional mind.

The subconscious mind operates in the background of your life and while you sleep, when you zone out, when you do something you have done a hundred times and any other automatic motion or thought you think. Dreams are a product of your subconscious mind. You can think of the subconscious mind as a computer program running without your help or mental effort at all times. An example of this would be when you have suddenly realized that you have not been paying attention while driving and you are almost home from work or you missed an on ramp.

The entire drive to and from work is a program that you have put into your subconscious mind through repetition. Your driving is almost automatic and takes very little effort on your part. In fact without consciously thinking about going to the mall when driving that pathway you will drive straight home. Your programming will take over and you will "forget" to go to the mall unless you hold the picture of the store at the forefront of your mind when driving home.

To convert the things you want in your life to reality you must understand how to use both your conscious and sub-conscious mind. This includes increasing your income. By continually thinking about the good things you want and visualizing the image of your dreams you will impress them on your subconscious mind. Over time your actions will change and you will start to move the things you want into your reality. Including more wealth and a better lie for you and your family.

About the Author:

If you can set aside a few minutes each day to work on and educate yourself about how you can reach your goals you can make big leaps towards increasing your income and changing your life. Christina Helwig is an attorney and Vice-President of Wealth Expressions, Inc. She focuses on helping people educate yourself more about themselves to upgrade all aspects of their lives.

Rush Card - Review

By Dan Moskel

The baby phat rush card is a prepaid credit card. It was created by Russell Simmons he co founded the popular Def Jam record label.

This is how the rush card works; you deposit money into your card/account, then you use your card to make purchases, money is taken out of your account to pay for those purchases. This card does offer guaranteed approval.

There is no credit check or chex systems verification. You can have a card issued to you in black or in pink.

This card does give you free direct deposit. To use this you will only have to fill out a form and turn it into your employers' payroll department.

Then your paychecks will be directly deposited into your rush card account. You will still receive pay stubs to inform you of hours worked and what your deposit is.

If you are in need of cash this card can be used at over 800,000 ATM's world wide. You also have free online account access.

You card can be used to make purchases over the phone and online. In addition your rush card allows you to write physical paper checks.

To use this feature you visit the website and input the person or business that you want to write a check to. This includes name, amount of payment and address.

Then a physical check in your name is sent to the payee. This is a great way to pay your bills, no more buying money orders.

With this service and direct deposit you will also save money by not having to pay for check cashing fees.

However, we do not recommend the baby phat rush card. This is because they have many fees that other prepaid cards do not have.

For example the rush card charges you a convenience fee. A convenience fee is simply a fee for using your card.

The charge for this fee is $1.00. There is a maximum charge of $10.00 a month however you will be charged this $1.00 fee every time during that month.

Only at the end of a full calendar month will the extra convenience fees be refunded to you.

That can end up being a full 2 months before you are refunded. This is unbelievable especially because many of us use are card more than ten times in a month.

Furthermore to be charged for every purchase you make seems outrageous. Then to have to wait for a full calendar month to expire before you are issued your refund is unbelievable.

Also with the rush card in order to use bill pay you must pay $2.00 and then an additional $1.00 for every check you write. There are many prepaid cards that offer this service for free.

The rush card says there are no hidden fees with their card. Yet you get charged every time you use your card. The rush card carries the most fees of any prepaid card we have reviewed.

In sum, we do not recommend the rush card to anyone. There are good prepaid credit cards; however this is not one of them.

About the Author:

Instead we suggest the account now visa they offer free activation, free direct deposit, free credit builder & free bill pay. However if you still want a rush card then visit baby phat rush card.

Doing the numbers on APR

By Jo Smart

APR stands for Annual Percentage Rate of charge. The APR of a credit card determines how much you have to pay each month. Put simply, the APR of a credit card is the monthly interest charge multiplied by twelve months. A simple example of this would be a credit card with an APR of 10.2%. Divided by 12, this would mean that the interest would be 0.85% of your outstanding balance that month. Therefore, monthly interest on a balance of 1000 with 10.2% APR would equal 8.50. The total amount of interest you pay over the year will depend on your outstanding balance and how much you pay off each month. It means that when choosing a credit card, you can use its APR to compare with different cards, but the annual amount of interest you will pay depends on your monthly repayments and balance.

APR takes into account a number of different factors, all of which combine to give you the final figure. This includes the interest rate you have to pay as set by the lender, the length of time it takes you to pay off the credit card loan and the frequency and timing of your instalment payments. It can also take into account additional fees that the lender may impose on the loan agreement, such as payment protection insurance. All lenders are required to give full disclosure of their APR charges and, as the rate has a direct bearing on the cost of your credit card loan, it pays to shop around before you sign any agreement.

Once an attractive APR has caught your attention, the questions don't stop there. First and foremost - is the APR fixed or variable? If the rate is variable, what may seem like an attractive offer could have a price once the 0% honeymoon period is over. Market forces (such as the Bank of England's base rate) heavily influence a variable rate and these forces can change dramatically. The consequences could be that you go from zero to hero-sized interest payments very quickly, pushing the cost of the credit card loan up considerably. If you're lucky the payments could go down. This random variable is what card companies are trying to avoid, so even flexible APR rates don't change that much. You'll only really feel the impact at the end of a 0% offer. With a fixed rate your interest charges stay the same regardless of market fluctuations.

The next question to ask is if there are any additional charges that are not included in the APR. This could include charges for services such as optional payment protection insurance. If additional charges are included, make sure you understand what they are, ask yourself whether you really need the services offered and how much and when you would have to pay. At this point, it is wise to ask yourself if you can afford the monthly payments. A more expensive loan with a higher APR could have lower monthly repayments if they are spread out over a longer period of time. This might suit those on a tighter budget, but it is sensible to calculate how much extra you would be paying in the long run.

Finance and lending is a complex area, and APR is no exception. The Government and financial regulatory bodies recognise this, and have put safeguards in place to protect consumers to make sure that all lenders comply with basic guidelines. The lenders, in return, are happy to comply with this stipulation, as it shows the public that the credit card companies are open and accountable. The APR attempts to create a single figure of interest on a loan amount, so that consumers can compare companies offering the same amount. The loan amount doesn't change - the APR is the variable in the equation. By shopping around, consumers can find the best deal with the lowest overall APR. The same applies to credit cards. Many cards offer 0% introductory periods and then either a fixed or variable amount of APR once the introductory period has expired. The trick here is to look past the initial incentive of 0% and calculate what the later APR rate will mean to your repayments.

Without taking into account APR, it is impossible to make an informed decision on which credit card deal is the best. The bells and whistles cards look tempting, but are designed with a specific type of customer in mind. If you don't fit the profile exactly, keep shopping around. To get the best deal, consumers need to be flexible and to take a little time studying the marketplace. That way they can avoid high APR rates that lay in wait for the unwary.

About the Author:

Jo Smart writes for various popular websites and is an expert at explaining financial topics. You can find out more about Low APR Credit Cards and other Credit Cards here.

Avoid Bankruptcy Today

By Renee Dunn

Are you trying to avoid bankruptcy? Don't worry there is a way to sort out your debt and produce a good financial future.

It's easy for debts to get out of control, today's bustling and troubled world brings many challenges. Overspending, unrestricted spending, a job loss or illness can all result to money problems.

The way to head off bankruptcy will be different for everyone depending on the size of their debts and other personalized circumstances such as job surety, asset value and varying other aspects. You need to get hold of a professional money manager or debt adviser such as an accountant or bankruptcy lawyer but before you do that you need to ensure your creditors know what's occurring. The people you owe money to will be very keen to speak to you about your debts if you are falling behind in repayments, keeping in contact with them is really critical.

You might be confronting really challenging circumstances and if you are then you need to get in touch with a lawyer as soon as feasible or an experienced debt management company who can help you negotiate with your lenders.

With some professional assistance it will be easy to engineer payment plans that suit you with all your lenders and from there they are held by those arrangements. This should save you of those distressing telephone calls or knocks at the door from someone threatening you with legal action if you don't pay up.

Therefore to avoid bankruptcy there are a few matters you need to be certain you're taking care of; keep the lines of communication open with your creditors, speak to professional advisors and reach agreements that you can afford and that protect your current assets.

About the Author:

Visit How Do I Get Out Of Debt to find more debt solutions such as loan consolidation.