Category Archives: Happiness

How to Use the Power and Presence

There is a Power and Presence for Good in the Universe and YOU can use It. Not only is It available for your use, but you use It all the time!

This Power and Presence, God, Allah, Jehovah, Spirit, Living Intelligence or whatever you want to call It, exists. It is what we call in this teaching: First Cause, First Thought, the First Realization of the I AM, It is The Thing Itself.


When we talk of this Thing, when we talk of life, we intuitively know that there is more than the life that we see around us. And as we acknowledge that there is more, we instinctively desire to follow that thought to become more, to experience more, to be greater than the flesh and bone that we see looking back at us in the mirror.

We know that there is an energy, unseen to the naked eye, but which, nevertheless shares in all that surrounds us, in all that we are. It is the energy that the scientists identify as matter, and It is as the nothingness that exists between all that we can see, hear, touch, smell or taste. We are connected to this Power, this Intelligence that is all things. Being of this same energy, we realize that we share a common source of life and with this shared source we learn more of Its existence and our relationship to It. We learn that we have power: The power to choose, the power to experience and the power to effect how all of this appears in our lives.

Perhaps the most well known application of this is found in the bible. I am paraphrasing: In the beginning there was darkness and in the darkness there formed a thought. From the thought an energy emerged, conscious of itself and of Its power and in that energy there was an intention to create and then there was creation. This first thought made manifest a process; a law of creation. Neutral in its application, non-discriminatory to the effects of any thought that it received. A “yes-Man” if you will, existing only to create and to expand the greater consciousness through the experience of that from which it was formed. This Law receives, accepts and gives back that which we put into it. And how do we put into it? It is through our wants, don’t wants, likes and dislikes. It is through our thoughts, opinions and beliefs, whether conscious or unconscious. It is through our feelings, and through the intensity of our desires.


Our thoughts create. They create energy that connects through the electrical synapses of our brains. Our thoughts take that “stuff” of which all things are made and mold them from primordial ooze into the shapes and colors of our desires. This law of creation, of cause and effect cares not whether our desires are good, bad or indifferent. It only serves to create and to have the effects of that creation be experienced. And this is where our focus turns today: the effects of the creation to be experienced and how to create them.

I think we can agree that words have power. Our words can make people laugh, cry or be inspired to act. But where do these words come from? We don’t just spew them out, unconsciously or without thought, no matter what the appearance. Words come from thoughts, which create an electrical explosion of activity within the brain. Sometimes they explode the way they always have–in reaction to some past thought or event or opinion formed of whatever presented itself to form the thought in the first place. They become habitual, subject to change only when we consciously realize the thought, its effect on us and upon our deciding that we don’t like that particular experience anymore.


And that is the difference. We realize what we are thinking and we change our mind. If we dislike it enough, the change becomes a powerful intention, filled with emotions and a belief that a change will happen because of our focus on our desire for change. By the same token, when we discover something we like, the emotional aspect of our liking it becomes the reason for change. Regardless of the reason, our thoughts, conscious of our desire for change remold the “stuff” that is the source of all things and something new emerges. It is the law of creation. It is the universal power acting upon that which it is given. And there lies the secret of this whole philosophy.

There is a power behind the curtain except most of us are so busy watching and listening and reacting to the man performing the slight of hand that we don’t recognize that if we just opened the curtain, the whole secret of existence would be revealed. But, again, we have to be willing to see past the person performing in front of us, and the one staring back at us in the mirror.

Simply put, there is a Power that is based upon our belief that our words have the power to create or that we have a say in what shows up in our lives and how it shows up. There is a Presence, a Living Intelligence, commonly referred to as God, that is all things. It lives in, as and through all of us, individually, as it lives in all that surrounds us. This presence creates all through the power of its thoughts and desires to experience more of itself, and those thoughts and desires are created through a law of cause and effect. This law is neutral, giving credence to all that it receives and bringing forth that which it is told to bring forth.

We, as part of this “stuff” from which all things come, put forth our individual thoughts, expecting that there will be a reaction by this law of cause and effect and that is exactly what happens. The only difference is that our thoughts are made manifest according to the strength of our beliefs in those thoughts. The stronger our beliefs, the more quickly they are made manifest. Likewise, the more we believe that we have the power to bring our thoughts to life the more powerful our beliefs become. It is the way of the world and it is the way of the Universe. It is the Power behind the Presence and it is the cause of the Good that we wish to show up in our lives. It is done unto you as you believe.unknown-6

To paraphrase Pharaoh: So let it be thought, let it be spoken, then let it be written and let it be done.

How it works

What if I told you that there is a Power and Presence for Good in the Universe and that you can use It.

What if I told you that not only is It available for your use but, in fact, you use it every day!

Would you stare in disbelief and ask who let this guy out of the loony bin? What Power is he talking about! What Presence? Where is It, and How am I using it?

Last time we talked about “The Thing Itself”. That there is a myriad of terms for what we ultimately describe as God. (You remember I landed on “One Presence” while some may call It the “Celestial Juju.”)

We talked about intuition and how our inner self cannot help but get that feeling that there is more than what we can see with the naked eye.

We talked about Science’s confirmation of everything being made up of energy and how what we see is just a vibrational representation of that energy; That by definition, we are part of that energy. In effect, that energy lives in, as and through each and every one of us, while at the same time acknowledging our individual uniqueness and how it adds to the whole.

We quoted Ernest Holmes’ words from the second chapter of his textbook: “There is a Universal Mind, Spirit, Intelligence, that is the origin of everything: It is First Cause. It is God. This Universal Life and Energy finds an outlet in and through everything that lives. There is one Spirit back of all expression…That is the meaning of that mystical saying: ‘In Him we live and move and have our being (Acts 17:28)'”

Hopefully you have an understanding of The Thing Itself. If not, now might be a good time to review my previous post.

So how does this Thing work? Well, It’s a process. (I know, cliche.) But it is true. It is a process of acknowledgement, declaration, belief, knowing, affirmation, gratitude and release.

It is not some magical power reserved for the witch or warlock down the street. It is a Law of Creation and you can find its common roots in the Bible, the Koran, the Tora and many other places should you care to look.

It is also not a power to be feared because it is a natural law of cause and effect, although many who do not understand it do fear it, or they feel themselves unworthy of it. To that end, let me refer you to Marianne Williamson:

“Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure. It is our light, not our darkness that most frightens us. We ask ourselves, Who am I to be brilliant, gorgeous, talented, fabulous? Actually, who are you not to be? You are a child of God. Your playing small does not serve the world. There is nothing enlightened about shrinking so that other people won’t feel insecure around you. We are all meant to shine, as children do. We were born to make manifest the glory of God that is within us. It’s not just in some of us; it’s in everyone. And as we let our own light shine, we unconsciously give other people permission to do the same. As we are liberated from our own fear, our presence automatically liberates others.”

In reality, we are each unique expressions of the One Presence, sharing the same creative energy, the same creative thought process, the same power and ability to create change.  Just because you cannot walk on water means nothing in your evolution in this existence. Everyone has their own path to the mountain, but it is your feet that must touch the ground. In that same vein, the Universal Presence may experience life in, as and through each of us but it is our own conscious thought that chooses how that experience shows up.

So, it is a process. And that process starts with our ability to accept the truth of our being: That we are part of this greater consciousness/energy/force/intelligence, carrying with us our own unique wants, likes, dislikes and desires. It is our acknowledgement that we are of this greater energy, our ability to declare our desires with purpose and intention such that can believe nothing else shall come into our lives. It is a process that requires a life of gratitude, for with gratitude comes hope, a positive outlook and a belief in the truth of our being. It is a process that requires us to put our beliefs into what can be described as a Law of cause and effect, neutral in its application of what it receives from our individual consciousness, equal in every aspect to all who use it (and we cannot help but use it as we cannot help but have thoughts and desires, likes and dislikes appear in our own minds). It is recognition that we are each connected with this Universal energy, that we are powerful in our own lives and that we can use this power to the extent that we are able to believe that we can.

It is an acknowledgment that our words, being of the same stuff that is all things, that acts upon itself in love, knows Itself and knows that It knows Itself such that our good is made manifest in our lives.

We are here to experience life, in all of its grandeur and how it works is dependent on our ability to believe that we have the power to make it happen.

If you would like to see and hear my presentation of The Thing Itself or How It works, look me up on youtube.

Science of Mind Defines The Thing Itself

It has been a tradition in the Science of Mind teaching that, with the start of the new year, we go back to the beginning of the Science of Mind textbook and explain the basics of this philosophy.

And so, the topic of today’s talk is from the first chapter of the Science of Mind textbook: “The Thing Itself.”

The first question that always comes to my mind is what do we mean by “The Thing Itself”? It certainly does not sound very “Woo Woo” as a word to describe God. Personally, when I think Woo Woo, I think more like “The Etherial Nothingness” or “The Celestial Juju”.


I think the real reason Ernest termed it “THE THING ITSELF” was to call attention, in a neutral way, to something nameless on one hand, and on the other hand, to something that we can point to as real, even if we are not sure what to call It.

If you have come from or studied other teachings, you may be familiar with some of the other names associated with “The Thing Itself”. For example, Christianity uses God. A Hindu name for It is Khuda; In Hebrew, It is Jehovah or Yahweh. In Islam It is Allah. Abraham Hicks refers to It as Source, and in Buddhism, It can be referred to as Transcendent Being.

In the Science of Mind Textbook Ernest Holmes refers to This Thing Itself in at least 150 different ways: These include: Creative Intelligence, God, First Cause, Spirit, Mind, Greater Consciousness, Intuition and many others. I suppose that giving It a name can help to create a commonality in which everyone knows what is being referred to. But that’s not really necessary.

So what is this Thing? Intuitively we know that there is some Thing that represents more. If we close our eyes and allow the rampant noise of our surroundings to fall away, this Thing becomes familiar. It flows into and out of us naturally, bringing with it a stillness and sense of oneness with the world around us. It allows us to understand that there is a Power and a Presence and not only is It available to us but that we are part of It. There are many ways to define It and these definitions ultimately, as we study this philosophy become personal to each of us.

Science tells us that everything in the Universe, and I mean everything is made of energy. It is the same energy regardless of its shape or composition. The only difference is the vibration at which it moves. This includes our physical bodies, the air we feel on a windy day, the synapses of the brain when a thought is created. It is all interconnected. What holds it all together and allows it to manifest into what we can see, hear, smell, taste and touch is a very simple, yet powerful idea. Ernest Holmes puts it quite clearly in the beginning of his second chapter which we get into in depth next week: On page 35: “There is a Universal Mind, Spirit, Intelligence, that is the origin of everything: It is First Cause. It is God. This universal Life and Energy finds an outlet in and through all that is energized and through everything that lives… There is one Spirit back of all expression. That is the meaning of that mystical saying: “In Him we live, and move and have our being.” (Acts 17:28)


In other words, There is One Universal Presence/Intelligence/Mind/ (You fill in the blank) that is all things and all things are expressions of that One Presence. Does that mean that I am an expression of that One Presence? Yes. It also means that each of you, each person on the street, every tree, every rock, every particle of energy that exists (whether in physical form or not) is an expression of that One Presence.

What does it mean to be an expression of that One Presence? Some years ago, I came to understand an experience. It was a feeling of emptiness. (Not like when I was alone in the wilderness and feeling poopie because I did not have anyone special in my life.) It was a vast expanse of blank. No light, no darkness, nothing.

Then, in an instant, there was everything. There was power, there was a realization. A knowing if you will. And with it was a first thought. “I AM” And it was from that thought that everything came into being. Love, curiosity, creativity; and with this came a desire to extend myself into as many areas of expression, as creative thought would allow. All that was needed was a desire and a thought and an understanding that as it was spoken so would there be. And through this state of being there would be a connection, a part of me and an extension of me bringing forth more desires, more expressions of life in which I can and do share.


Being an Expression of that One Presence means you are connected. You are connected with that One Presence. Always have been, always will be. It’s like a drop of water being connected to the ocean. You are an individual drop of water; whole and complete and perfect as you are but you are also part of that infinite body of water. You are connected. You share the tide, the storms and the evaporation cycle but you came from and will always return to the whole.

As an expression of the One Presence, you are both part of it and yet you have your own thoughts, feelings, likes, dislikes and desires. So what you say, think and do matters. Not only for your own life and direction but for the benefit of the whole. There is never going to be a time when you do not co-exist with that One Presence. What there is, however, and this is what many have mistaken as the basis for duality (a feeling of being separate and apart). That is the difference in the use of what Ernest labels the objective (the conscious) and the subjective (Unconscious) minds.

We all have conscious thoughts. Those are the ones that we use in conversations, in our writings and in our wishes and prayers. We also have unconscious thoughts–the ones that have formed over time–the ones that cause us to form opinions of ourselves (and others), that help or hinder us from moving forward with what we think we want in this physical expression. Both are very powerful in the creation of our experiences. Both also interact with each other in forming the basis for how our experiences come into being. The difference is how they operate.

I like to call the subjective or unconscious thoughts the “but for” thoughts. “But for how I have developed my unconscious thoughts about myself and life I would really be moving forward with the flow of my good.” That is why it is so important to think critically (and I mean by that to be aware) of what is going on inside ourselves, so we can keep those negative, race conscious thoughts from taking over.

Have you ever heard the story in the Bible found in Mathew 29: …28 After Jesus had entered the house, the blind men came to Him. “Do you believe that I am able to do this?” He asked. “Yes, Lord,” they answered. 29Then He touched their eyes and said, “According to your faith will it be done to you.” 30And their eyes were opened. “ Ernest paraphrases this story throughout his writings as “It is done unto you as you believe.” This is because this Thing Itself, of which you are part, to which you are connected and which experiences life in, as and through you, has created the Law.

It is a powerful, unrestricted and unbiased law, based solely on the premise that “It is done unto you as you believe.” It is a neutral law. It does not judge your desires, it just grants them. It does not poke at you and say: “Hey George, you might want to rethink that one.” It simply says yes. It’s kind of like the genie in the magic lamp. Wishes are granted but with the understanding that each wish comes with natural consequences. And those natural consequences really only apply to you.


Have you ever had a day when you woke up in a really crappy mood and just knew that it was going to be one of those days where everything would go wrong? And did it? Was traffic crappy, were there grumpy people interrupting your day? Did it just seem like it was impossible to get anything done?

Have you ever had a day when you woke up with a smile and a knowing that everything that day was going to go just perfectly? Like the perfect parking spot opened up just as you arrived, or the situation at work that you originally thought was going to be not so good turned out better than you could have imagined? Someone delivered flowers or took you to lunch? What was the difference in your mindset or belief about yourself on those two days? Do you really think it was coincidence?

disney splash 3

How many other days or life experiences have you had that also matched your attitude or belief? The truth about this teaching, and the truth of how this Universe is that this One Powerfully Creative Presence works according to your belief. It works because you are connected. And being connected, you are powerful. But your power is only as you believe it to be.

As stated by Thomas Toward in his Edinburgh Lecture, (I’m paraphrasing) Devine intelligence is the essence of all things. The more we become self-realized in this concept the more ability we have to control it. For this Intelligence, which permeates all things, responds to individual intelligence, when appealed to, by those who are aware of it, manifesting those things of our conscious beliefs from the primordial substance (ooze) of that which is all things.

So let’s summarize a little. There is a Power and a Presence in the universe available to us. It is available because it is connected. It is connected in that we were created OF this power and presence which experiences this life in, as and through us all and yet recognizes that each of us is perfect, whole and complete just as the unique individuals that we are. That includes all our so-called defects and shortcomings. Because we are connected, we have power to create and our creations begin with a thought.

Conscious or unconscious, your thoughts create. However, the more you are aware of your thoughts, the better you are able to steer your life in the direction you want it to go. That is because this Universal Presence operates upon a Law of neutral acceptance. It does not discriminate based on wants, needs, color, sex or creed. It treats everyone the same and just says yes. And this makes you a VERY POWERFUL PERSON!

Paraphrasing Holmes from the Science of Mind textbook, the key to understanding and using this power is a conscious understanding of our relationship to It, our belief in It and in our knowing that It and we are, have always been and will always be joined as one.

It is Individualized within each of us and yet shares within that common ground of the whole. So, I guess that we could say The Thing Itself is a combination of the One Presence, our connectivity to the One Presence and our knowledge and acceptance and conscious use of the Law in the creation of the life/expression/physical experience that we want to have on this plane.


See you again next week.

Will Prosperity Make Me Be Happy?

There are many words used to define Prosperity.

Some can be found in as including: A successful, flourishing, or thriving condition, especially in financial respects; I suspect that this is the one most often used: Financial respects.


But there are also Other words used as synonyms. These include Abundance, Success, Well-being, Ease, Good, Blessing, Accomplishment, Plentifulness, Godsend and Happiness.

Ernest Homes, in the Science of Mind textbook (page 54) includes in this definition of prosperity the concept of “Truth.” In discussing how to use this philosophy, he concludes that “The practice of the Science of Mind calls for a positive understanding of the Spirit of Truth; a willingness to let this inner Spirit guide us, with the conscious knowledge that ‘The law of the Lord is perfect.’”

In my own interpretation of this philosophy, Prosperity and Truth are synonymous in knowing that there is a Power and Presence for Good in the Universe and that we can use it. Indeed, if one were to think about it, that there is a Power and Presence for Good in the Universe and that we can use it, I submit that this statement is  what many would consider to be the definition of prosperity.

This concept of prosperity, of Truth and of there being a power and presence for good in the Universe at our disposal is no stranger to human existence. For example, in the book of Mark it is stated:

Mark 11:24 – Therefore I say unto you, What things soever ye desire, when ye pray, believe that ye receive [them], and ye shall have [them].


If Thomas Troward were to chime in,  he might define prosperity as the alignment of thought and the physical so as to mold the primordial ooze of creation into that which we most cherish in our existence.

If we were to include Abraham-Hicks we might say that prosperity is the process of focusing one’s attention on what one wants as opposed to what one does not want based on the realizations gleaned from that process of contrast in our existence so as to allow one’s rockets of desires to explode into the law of attraction and to rain down upon us the Good that results from such desires. In other words, Ask and it is given.

While there is no specific reference in the Science of Mind index for the word “prosperity”, Holmes includes in his glossary (page 622) the following definition: “Prosperity is the out-picturing of substance in our affairs.” He explains it this way: “Everything in the Universe is for us. Nothing is against us.” And as a practical guide, he sets forth that We must know that everywhere we go we meet friendship, love, human interest and helpfulness. Life is ever giving of itself. We must receive, utilize and extend the gift. Success and prosperity are spiritual attributes belonging to all people (although) not necessarily used by all people.

In the Science of Mind philosophy, we teach that there is only One: One Spirit, One All that Is, One Greater Consciousness and that Consciousness is God. Further, we teach that our existence on this plane stems from Spirit’s out-picturing of life in, as and through our experience. But at the same time, we teach that, although there is only one consciousness, each of us is an individual expression of that consciousness, that it is our free will and experience of the contrasts in life that determine our focus, and that the Law (through the use of the Law of Attraction), which, as a completely neutral giver of desires, gives us an abundance of those things we desire to have in our lives.

That means that we, as part of that greater consciousness, (which Holmes also calls God-Consciousness)have the power to create our experience. And it is generally created abundantly in our experience.

A friend of mine once told me that she was walking her dog while in a really crappy mood and, in its ever neutral declaration of “you want it, you got it” she ending up stepping in a pile of the same Crap that had been her mood, except this time it was in physical form.

And if that was not proof enough of the Universe’s reaction to our desires, the very next time she went out, she happened to be in a great mood, feeling abundance in all its forms and there appeared a $20.00 bill in her path.

Think about it. Haven’t you had the same or similar experiences in your own life?

Okay, how many of use have been in a bitch session? It’s like a magnet sometimes. One person complains about something and then someone else complains and before you know it everyone is letting loose with disparaging remarks. I guess one could say that the comments were flying in an abundant manner and the negativity was living a very prosperous life, yes?


How about this one: You are having a meeting with the same group that just finished the bitch session only this time it is a brain storming session. Idea after idea pops into your head and everyone is just amazed at all of the ideas you are coming up with. Are you having a creatively prosperous experience?

Now let’s look at a longer term experience. We have all had the experience of making the same mistake over and over because of some almost pre-programed-like behavior that we have not realized is attracting it to us over and over again. I guess one could call that an abundantly prosperous opportunity to learn how to recognize that we need to walk a different path. Hmmm. Does that mean there are more types of prosperity than the dictionary would have us believe? Does Prosperity always have to carry a positive or negative tone? Just giving you some food for thought.

In the Science of Mind philosophy we use terms like First Cause, Law, Manifestation, Lack and Limitation and its opposite, Limitless Possibilities. We use processes like Affirmative Prayer to help us focus on those wants, desires and aspirations that we want to manifest and experience in our lives. We use them to change conditions, to provide an outlet for gratefully acknowledging our wants and desires, to become prosperous in what we have treated for.

We use Meditation to clear our minds of the everyday chatter that keeps us from consciously connecting with our God- Consciousness, and then to help us see and know the Truth of our existence. And once we have reached that calm knowing of our Truth, that we are each an individual part of that God-Consciousness and that we have the power and presence of the Universe within us to bring about our Good, we realize that we do, indeed live a prosperous existence.


So now, let’s get to the nitty gritty. What is prosperity on an individual level and how do we attain it? Personally I believe that the definition of Prosperity is personal to the individual. Some may give it a meaning of more money or toys, others may talk in terms of an abundance of creativity, still others may define being prosperous as being surrounded by family and friends. For me, it connotes all of the above.

I am prosperous in knowing that my next meal is secure, that I have gas in my tank and some spending money in my pocket. I am living a financially prosperous life.

If I am given an outlet where I can let my creative side explore the infinite possibilities that exist in the Universe I am living a creatively prosperous life.

Having someone special in my life and add to it a few good friends to spend time laughing and doing things, I am prosperous in my relationships.

And if I am able to devote time to my spiritual practice through reading, taking classes, writing down my thoughts and connecting to that God-Consciousness on a deeper level through meditation, I am truly living a blessed and abundantly prosperous experience of life.

When it comes down to it, Prosperity, in all of its forms, leads to what I consider the ultimate goal in life: That of experiencing more, of becoming greater today than I was yesterday through all of these forms of giving and receiving, but especially by satisfying that inbred desire of living each day, each moment, each second of now in that self-realization of oneness, and of knowing that I can create my experience by living in conscious awareness of the Power and Presence of Good and that not only it is available to me to use in my life, but that it broadens me while adding, in a positive way, To that God-consciousness from which I come, in which I share and in which I create.


Can prosperity make me happy? What do you think?

How Do I “Be Happy?”

Last time I asked: “Why am I Here and What is My Purpose” and I received a simple yet strange answer of “Be Happy.” Now I want to know how I am supposed to “Be Happy” what with all of the turmoil in the world: terrorism, disease, homelessness, famine and obesity, drought, and so forth. Shouldn’t I be focused on trying to help rid the world of these horrors?

Being surrounded by negatives can make it very difficult to allow one to live and be happy. But being happy does not mean that one has to let go of principle. No one dislikes seeing harm come to another more than I. But if I let that negative drive my life into a place of darkness I will never be able to feel the Good that I have affected in my efforts to help. If I stay negative I will only see negative. If I only see negative then there is no hope for ever being happy. On the other hand, if I am happy and intent on affecting a positive change in the world, I can experience the joy of accomplishment. I can feel the love grow within myself and my community and I am much more willing to continue my good work.

When was the last time you were in a crappy mood and said to yourself: “There is a need here and I believe I have what it takes to bring a positive change.” What is more likely to have come out of your mouth in your foul mood is something like: “Screw it!” (Be honest with yourself now.)

What feels better to you: being happy or living with a negative attitude?  I am going to go out on a limb here and say that I’ll bet you feel better happy than not happy.

My question to you, then, is What makes you happy?

Let’s go over some ways of finding out in our next discussion.

PS: If you disagree with what I am saying, give me some feedback and let’s start a dialog.


Why Am I Here and What is My Purpose?

Purpose and my reason for being are the big questions that everyone wants answered, aren’t they?

Big Questions Require Big Answers, Right?

Questions like this bring expectations of grandiose answers, deep from the nether regions of the psyche or a clarity of almost God-like qualities.

The answer to this question is really quite simple.

Answer the following question: Do you think everyone (all seven billion of us on this earth) has the same destiny; the same likes and dislikes; the same perspective on life? Of course not, in fact, I don’t know any two people who see, hear, feel or experience anything the same way. That’s why there is only one Einstein, one Mozart and only one of anyone else you can name, be they a sports figure, Nobel prize winner or the teacher you believe had the most profound effect on you in school.


But even though no-one can see, hear, taste, smell, speak, sing, etc. like anyone else, there are commonalities to all.  Those commonalities are key in understanding one’s purpose in this life. Each of those people found something they could be passionate about. They found something that they would rather spend their lives doing more than any other activity in the world. They found something that brought life to their day, even if others found it to be most boring and tedious. And what do you think is the result of someone who finds that one activity that brings so much to their life?  HAPPINESS!

Your Purpose in Life is to Be Happy

How does the world seem when you are happy?  How fast does time fly when you are happy? How easy does your day go when you are feeling happy? When you are happy, don’t others around you seem to have their day brightened?

Your Purpose in Life is to Be Happy! Think about it! Then we can figure out what that one thing is that you can be passionate about.




What your Auto Insurance Broker doesn’t tell you

I have generally kept to more esoteric, positive and moving forward with life subjects on this website, but a big part of getting that mindset is knowing that you are protected in other areas of your life as well. Having worked for a major insurance carrier for a lot of years and now working on the other side of the fence, I think it is important to delve into this area at least once.

Here in California, if you are going to drive a car, you are supposed to have insurance. Nevertheless, approximately 30% of drivers don’t. Sometimes it is a choice between following the law and putting food on the family table. Auto insurance is anything but cheap.

Anyone watching TV would think it easy to be “Fully Covered” as required by California Law. Just call and get a quote over the phone. It’s easy. And you can buy “Full Coverage” for a “low, low price, regardless of your driving record!”

What these brokers, and most insurance carriers don’t tell you, however is that “Full Coverage” in California means only what the law absolutely requires. Minimal limits of personal injury protection, property damage and uninsured motorist coverage. No collision coverage to fix your car in case you hit something, no comprehensive coverage in case your car gets vandalized or stolen, no medical payments coverage to help with your out of pocket medical expenses, no rental reimbursement or any other option that you might want to have.

So what does it mean to have minimal limits? What’s wrong with that if that is what the law requires?

Let’s take the following example to give you a better idea: Let’s say you are driving alone in your own fairly new car, that you are still paying for, on the freeway. All is well and traffic is moving until, as is common in California, traffic comes to a grinding halt. In fact, they stopped so quickly that you barely had time to brake. Still, you were not able to stop and you plow into the rear of that 2016 Lexus in front of you. And if that wasn’t bad enough, the beat up old pick up truck behind you couldn’t stop either and plows into your rear, pushing you into that Lexus for a second time.

The accident is pretty significant and the Lexus, your car and the truck behind you are all totaled. The only one that was drivable was the bug truck that the Lexus got pushed into. To top it off, you, the guy in the Lexus and the guy that hit you were all injured and all of you had to be transported to the hospital by ambulance.

Good thing you were “Fully Covered” by your insurance policy…Or were you?

That policy you bought, even though you were following the law, only carries a maximum of $10,000.00 in property damage liability coverage. Since that Lexus you hit was totaled, and only being two months old it’s worth about $40,000.00. Even if his insurance paid for it with his collision coverage, his insurance company has every intention of getting paid back. Your insurance company can contribute $10,000.00 because that’s what you bought to be “Fully Covered.” The rest may end up coming out of your bank account. And what about his injuries? The Ambulance ride is about $1,300.00, the emergency room bill with x-rays and CT scans is another $3,000.00-$5,000.00 and the time the Lexus driver lost from work and the follow-up treatment could pretty much exceed that $15,000.00 you have in per-person injury coverage.

And what about your car and your injuries? To your dismay, you find out the guy behind you is one of the 30% that does not have insurance. Since the policy you bought does not have collision coverage you will have to eat the tow bill, the storage fees at the tow yard and the rest of the payments you still owe on your car. If you were lucky enough to have Uninsured Motorist property damage coverage you will be able to recover a maximum of $3,500.00 which will probably go to the lien-holder. Your injuries are going to be the same story. If you did not decide to save money by refusing Uninsured Motorist coverage on your policy, your top coverage is $15,000.00. If you have health insurance your bills are covered except for your co-pays but your health insurance company will be looking for reimbursement because your injuries were caused by a third person. That doesn’t leave you much to recoup your own loss of earnings and future co-pays. Worse, now you may be behind on your bills because you can’t work. You could sue the guy behind you but if he doesn’t have anything, good luck getting paid and that doesn’t solve the immediate problem.

So, what is a person supposed to do? Changing your auto coverage after the accident won’t help because what you had at the time of the accident is what applies. If you have not been put in this situation yet (Just about everyone in this state is likely to be in an accident at some point) it is time to be pro-active and make sure you have the coverage you need. What do you have to protect? How much do you think you will need to keep someone you hit from suing you and what do you think you will need if you are laid up for a while because of someone else’s negligence? The difference between $15,000.00 and $100,000.00 in coverage is really small, sometimes as little as $10.00 per month. Is that worth some peace of mind? Think about it.

There is a whole lot about insurance that people don’t generally know. Way too much to go into here. It boggles my mind why brokers and insurance companies don’t explain all of this, leaving people to find out the hard way.

The bottom line? Make sure you and yours are protected. I am happy to answer any questions you have. Just ask.
Car Crash

accident victim

Life Is

Life is, just as consciousness is.

Sometimes this life is centered, flowing easily, without want or lack, will all needs and desires moving freely into my life.

Sometimes there are rocks that sit in the path of my fluidity, causing gentle ripples of change, but no really impeding my flow.

Sometimes these rocks become boulders, huddled closely but irregularly and my flow seems to crash upon them in a vein effort to move them out of my way. These efforts never end well for these rocks are immoveable. Still, in my stubbornness, I throw myself against them over and over again until I am splintered into tiny particles that scatter to the winds; never seeing that, if I were to just steer my rudder a little to the right or to the left my path would become easy, clear and welcoming.

Life, as consciousness, follows my lead. It becomes that which I direct it to be, and always as a result of my conscious and unconscious thought. Once I understand this I become a powerful play-write of the existence I imagine. The key is to remain aware and then to allow my life, my good, to be that which I have always intended: easy, flowing, full of joy and passion.

As stated by Ernest Holmes:disney splash 3 “…There is a Power flowing through me into everything I do and think, automatically making everything whole. There is a Transcendence coordinating, unifying, causing all the experience of my life to blend into Its unity, into Its oneness, and proclaiming the power of Its might. As a child accepts life without question and love without argument and action without anxiety, so do I spontaneously accept the operation of this Power as the Divine Governor of everything I do, the Divine Provider of all my needs, and the Divine Presence diffused through all my thinking.”

And so it is.

Your Life is Not some Quote from a Book

Every Guru has a description of life and how to make it better. That may all be well and good for their life, but it may not have any application in yours or mine. Yes, I know I am my father’s son and you may be your daughter’s mother, but what the heck is that supposed to do to help you move forward in life? Yes, life can be like a bowl of cherries and some things always come up smelling like roses, but again, how does that apply to you or me?

How many books are we supposed to read that tell us how the principals of life are to eat better, get more sleep, do what you love, be more outgoing, blah, blah, blah. Better yet, how many seminars are we supposed to attend where they tell us that this is the first day of the rest of our lives, or we get as much out of it as we put into it? But we go, hoping to find the secret that has been evading us, seemingly all our lives.

But you know what? Quotes are great openers. They can get us thinking, they can even get us motivated to do something. But what? If I want to figure out what would make me feel happy, fulfilled or successful, I don’t think some quote is going to get me there. Take this one that has been attributed to Albert Einstein as well as others: “Everyone is a genius. But if you judge a fish on its ability to climb a tree, it will live its whole life believing that it is stupid.” That’s a great saying; Humorous, thought provoking even reassuring that not everyone can climb a tree or perform tasks like others. But what does it say about me? I don’t want to climb trees for a living and I am not sure what I want to do at this point in my life. I don’t think a book that tells me how to eat right and get more energy is going to do it and I certainly don’t want to go to some seminar where all they do is tell everyone how wonderful they are for a price.

I don’t pretend to know your answer. I certainly don’t know what you are good at or what you would find yourself being passionate about. But I can offer some suggestions on figuring it out. Perhaps the best way to do this is to ask you to practice some techniques geared to helping you find your answer.

The first technique you may find difficult at first. You may think it weird or too “woo, woo”. But I can attest to its benefits as can millions of others who have tried it. Simply put, it’s a way of quieting the mind from all of the daily distractions that you may face that tend to keep you from focusing on what you really want out of life.

It’s called meditation.

No, I am not asking you to climb a mountain and sit on a cushion in some cave, although if that is your thing who am I to say otherwise? Simply put, I am asking you to trust that, if you follow the directions (which you can also find them in my book,” It’s All About Me”–I know, shameless plug), you may find yourself thinking more clearly about what direction you want to take in life. If not, hey at least you tried something different and gained some experience. I’m willing to bet through that you will find it hugely beneficial.

The location for this need not be anywhere special but it will need to be somewhere quiet and free from distraction. It can be in your bedroom or on your living room couch. It can be in your backyard or in a neighborhood park. Once you find your place, get into a comfortable, seated position and set a timer for 15 minutes. It may also be helpful to tape yourself (or someone else) reading the following to play back for future meditations until you have the directions down.

Sit up straight but relaxed and close your eyes. Take a long, deep breath through your nose and hold it for a second or two before letting it out. Feel the tension in your body leave as you exhale. Take another deep breath, hold it and let it out, again focusing on how easily the muscles of your body relax. Do this one more time and feel the difference in yourself compared to when you started.

Keeping your eyes closed, breathe normally and focus on the air as it enters and exits your body. Notice the rise and fall of your chest as the air moves in and out. If you find that you have random thoughts floating into your mind (disrupting your focused breathing) just acknowledge them and let them go while returning to the focus of the rise and fall of your chest. Stay focused on the rise and fall of your chest and allow your mind to empty of all else, thus keeping your mind open.

The Universe contains endless possibilities for your future. While you are the one behind the wheel, (thereby making it your responsibility to steer the direction of your life) the act of opening your mind to these endless possibilities will allow you to feel the direction of the wind (or river if you prefer to use a rudder for steering) and to ease into the flow of your good. The whole purpose is to allow you to experience the noiseless inspiration of possibility. It may take a little getting used to but once you have become comfortable meditating, you will find your stress level lessen, your creative juices flowing and life’s possibilities becoming more noticeable.

It is very easy to allow one’s self to become used to the noise and general busy-ness that is ever present in our lives. Between the television, the radio, the internet, traffic, crowds and so forth, we become conditioned to distraction. Meditation is one way of bringing yourself in line with who you really are without having to fight the uphill battle of everything that you find yourself allowing to get in the way.

Try it. I think you will like it. Then come back and we’ll talk about some other tools that will also help lead you to a better, happier, more fulfilling and successful life.

All good things to you!