Solving Money Problems

 Solving Money Problems

Money plays a major role in life. You need money for almost everything in life. Given the importance of money, you need to know the basics of money—what money is all about.

In the past, people could enjoy the blessings of life without spending any real money. Nowadays, to many people, enjoyment of life requires money—and lots of it!

According to Buddha, craving or desire for material things is the source of all human miseries. Jesus also has this to say about money: “It is easier for a camel to pass through the eye of a needle than for a rich man to go to heaven.” (Luke 18:25)

So, what is the value of money? According to author Jonathan Swift, a wise man should have money in his head, but not in his heart. 

More importantly, what does money mean to you?

Your perceptions of the value of money determine two of the most important things in your life: how you are going to live your life; how you are going to spend your money.

The value of money is based on your core values in life. One of the core values in life is integrity. Life, at any phase, is all about living—it comes with some hard work and simple integrity. Integrity is an important personal value, which has little to do with money. Integrity is an important value that the Creator has bestowed on each and every one of us, and its availability is the choice of an individual. Essentially, integrity is the value of what life has to offer, not the value of things that can be purchased with money. Your core values affect your attitudes toward money, including your financial priorities, financial decisions, and money management. So, what is the value of money to you?

Once you know the real value of money to you, you will know what to do with your money, and you will find the money you need.

Spending money is also an extremely important issue in life: throughout history, countries have become bankrupt, empires have collapsed, and families have broken up because of spending much too much money. So, spending money can affect positively or negatively your life, and can be a major stress factor.

Spending money has little to do with whether you have or you do not have much money. Spending money has to do with your attitude toward money. It has everything to do with the practical as well as the spiritual aspects of money and finance.

The practical aspect of spending money is that it may lead to debt—which is the source of financial stress. 

Why do people go into debt?

People go into debt for various reasons: deficit spending,  a result of buying things they don’t need with the money they don’t have; unforeseeable circumstances, due to exorbitant medical bills or loss of employment; personal choice, a consequence of reckless spending or buying on credit, bad investments, wrong financial decisions; ignorance, such as not knowing the meaning of APR or the implications  of “minimum  payments”  on credit cards, lack of knowledge of finance and money management; greed, leading to taking financial risks, or trying to get something for nothing. The list could go and on.

Don’t ever fall into the trap of “buy-now-and-pay-later”! Don’t run up your credit card debt. Consumer debt is the No.1 financial stress factor in life. Don’t let debt devastate your life. Don’t use a credit card if you don’t have control over spending; instead, use a debit card or a pre-paid credit card for the convenience of not carrying cash. Be careful when you use credit-card counseling services to get you out of debt, especially those so-called “non-profit” organizations. Just beware!

The spiritual aspects of spending money include being grateful and generous, as well as being a good steward.

Be grateful. God may have given you much less than others—or so you think! Remember, everything is relative. Maybe less is more: God has given you less so that you will have the incentive to make more.

You may have worked hard, but with little to show for it.  “You plant much but harvest little. You have scarcely enough to eat or drink and not enough to keep you warm. Your income disappears, as though you were putting it into pockets filled with holes.” (Haggai 1:6) Be grateful, instead of whining and complaining; put your time and effort on making money to live a debt-free life. More importantly, be generous with your money.

According to the biblical principle of money, God owns it all! You are but a steward of God’s money. Responsibilities of good stewardship include diligence, productivity, good time management, and self-discipline in matters of money. The money is not yours anyway. That is why you cannot take it with you when you are gone for good.

Stephen Lau

Copyright© by Stephen Lau

The Law of Attraction

“Every adversity, every failure, every heartache carries with it the seed of an equal or greater benefit.”  - Napoleon Hill

The wisdom is that an adversity may be a blessing in disguise. Worse, if one dwells on the adversity, one may attract more adversities.

The Law of Attraction is about energy attraction: positive energies attracting positive energies, and the same for negative energies. This revolutionary concept has been exponentially popularized by the film "The Secret" as well as by the bestseller book and other related publications across the Internet.

Is the Law of Attraction a myth of the mind or a reality in real life? Can the Law of Attraction really help your healing from rsdiseases and disorders?

Say, when an individual is diagnosed with cancer, that individual often becomes obsessed with anxiety about its treatment options as well as the prognosis of the disease. Obsession with cancer may internalize it into self-doubt and even fear. If an individual is preoccupied with the thought that breast cancer runs in the family, that individual may have predominant thoughts of cancer. Even "positive" thoughts, such as "I am not going to get breast cancer like my mother, my grandmother, or my sister" will only attract negative energy into that individual's life, because the mind only sees the word "cancer" and the "cancer fear" and nothing else. Just as a person buying a lottery ticket will not be attracting energy of abundance, because the mind is focusing on the lack rather than on the abundance, and thus attracting negative and not positive energy.

Once you have decided on what you want: a clean bill of health, you proceed to changing your thoughts and feelings. This may not happen right away, it may take time and effort to shift your thoughts, language, and emotions. Develop positive affirmations and self-suggestions to help you day in and day out. Keep the end in mind, that is, the core values in your life. Live everyday of your life in alignment with what you believe in Hold in your mind the ideal of the condition you wish to realize, the ideal reality you want to experience. The affirmation "I am whole and healthy .....I am loving and compassionate.....I am strong and powerful" holds the key to attaining natural health wisdom.

Abundance in natural health will not come to you out of the sky; neither will it drop into your lap. You must focus on the Law of Attraction and how you will bring this law to attract positive health energies. Make a powerful statement of intent to regain your natural health at all costs. Hold in mind the ideal condition you desire. Use a powerful affirmation and mental imagery to affirm it as an already existing fact until it is absorbed by your subconscious mind to give you the internal life energy.

Congratulations. You've Got Cancer: Learn how to use your mind to overcome the anxiety of a cancer diagnosis. Empower your mind to cope with cancer.

Stephen Lau

Copyright© by Stephen Lau

Living in Balance and Harmony

 The TAO of Living in Balance and Harmony

The mind needs balance and harmony both to control the body and to seek guidance from the soul, which supervises the mind.

Balance and harmony in the soul is alignment and connection for self-healing of the body.

Alignment and realignment

The body, the mind, and the soul work together as a system of life energy for healing. The free flow or stagnation of this life-giving energy is dependent on the balance and harmony of the body, the mind, and the soul at each and every moment. It is this moment-to-moment alignment in the body, the mind, and the soul, as well as their alignment with one another, that creates your unique state of self-healing and self-help, which is a miracle in itself.

What is your current state of self-healing and self-help?

If you are living your life as if nothing is a miracle, most probably your body, mind, and soul are in misalignment with one another. You might feel your body is not healing, your mind is strangled with sadness and doomed to despair, and you life has little or no meaning, without a goal or purpose. On the other hand, if your current state of being is one of joy, hope, and purpose, you are living as if everything is a miracle because your body, mind, and soul are not only inter-connected, but also in perfect balance and harmony with one another.

Alignment or realignment is inter-connection of the body, the mind, and the soul to achieve balance and harmony for self-healing and self-help.

The miracle of self-healing is manifested in the spiritual wisdom of the soul that guides and inspires the mind, which controls the body living in the physical world.

Connection and reconnection

According to entropy, one of the laws of physics, anything left to itself will ultimately disintegrate, and fall apart.

According to John Donne, the famous English poet, “no man is an island, and every man is a piece of the continent, a part of the main.”

Essentially, everything in the universe is somehow and somewhat connected, just as man is connected with one another in a subtle way. The miracle of this connection is to provide balance and harmony to guarantee their existence and co-existence, that is, their alignment with one another.

Focusing on others rather than just on yourself illuminates your soul to see its necessity to express your empathy, generosity, gratitude, and loving-kindness to others. But the challenge not to do that is as great as your innate desire to seek spirituality. Therefore, simplicity in living may enhance your spirituality and increase your strength to overcome the challenge to seek spiritual wisdom.

With spiritual wisdom, you may believe in the miracle of self-healing. You will then see that all happenings in your life are somehow “connected” for an unfathomable and unimaginable purpose, and that you can turn any bad situation into an opportunity for self-healing and self-help. Believe in the miracle that you are connected with everyone you meet in your life, and that everyone can be either your teacher or your student. In other words, there is much for you to learn from any circumstance, as well as from one another. This is the miracle of alignment and connection.

The TAO

According to the TAO, not living in balance and harmony is not living for life:

“When there is abundance, there is lacking.

When there is craving, there is discontentment.

Striving for power to control and influence

every aspect of our lives

is the source of our suffering.

Obsessed with getting and keeping,

many of us never really live before we die.

Following the Way,

we must learn to let go.”

(Lao Tzu, Tao Te Ching, Chapter 75)

Letting go is adapting and adjusting any imbalance and disharmony in your everyday life and living:

“Following the Way is like bending a bow:

one end is pulled up;

the other end is pulled down.

Excess and deficiency are balanced.

According to wisdom of the Way:

we reduce when there is excess;

we increase when there is deficiency.

Balance is thus created.

According to common wisdom:

we increase excess and deplete deficiency.

Imbalance is thus created.”

(Lao Tzu, Tao Te Ching, Chapter 77)

But, given that there are too many attachments in life, letting go is not easy and it requires profound human wisdom:

“Stilling our thoughts,

our needs become few.

Following our thoughts,

our distractions become more,

and thus living in chaos.

Enlightenment is our true nature.

Meditation helps us find the origin,

and thus ending our suffering.”

(Lao Tzu, Tao Te Ching, Chapter 52)

Attachments to the world are only distractions that lead to detours, causing imbalance and disharmony along the journey:

“The Way is easy,

yet people prefer distracting detours.

Beware when things are out of balance.

Remain centered within the Creator.

                

Distractions are many,

in the form of riches and luxuries.

They allure us from the Way.”

(Lao Tzu, Tao Te Ching, Chapter 53)

No-stress living is the way to attaining balance and harmony:

“So, we no longer argue with those who are cynical.

We stop looking for their approval.

We cease taking offense at their unbelief.

We just sow the seeds along the Way,

letting the Creator reap the harvest.

To be loved or rejected,

to gain or to lose,

to be approved or disapproved,

no longer matters to us,

when we know who we are

and who the Creator is.”

(Lao Tzu, Tao Te Ching, Chapter 56)

According to the TAO, living in balance and harmony is all about “spontaneity" which is the understanding of the nature of all things.  

According to the TAO, spontaneity is “doing without over-doing”—which essentially means “doing without consciously anticipating the outcome.”

In the universe, there is an all-controlling force that monitors everything. You breathe in oxygen and breathe out carbon dioxide. You eat and you eliminate. You grow, mature, and die. Spontaneity is the natural built-in mechanism in each living organism. Spontaneity creates balance and harmony, expressed in the Yin and the Yang (the female and the male). Spontaneity is the ultimate understanding of the natural cycle of all things that are beyond human control: what goes up must also come down; success is followed by failure; life forever begets death:

“The Creator creates one.

One creates two.

Two creates three.

Three creates a myriad of things.

All have their original unity

in the duality of the Yin and the Yang,

the opposite life forces that harmonize.

We experience this harmonious process

in the rising and falling of our breaths.

People naturally avoid loss and seek gain.

But with all things along the Way,

there is no need to pick and choose.

There is no gain without loss.

There is no abundance without lack.

We do not know how and when

one gives way to the other.

So, we just remain in the center of things,

trusting the Creator, instead of ourselves.

This is the essence of the Way.”

(Lao Tzu, Tao Te Ching, Chapter 42)

With spontaneity, we become babies again, living in perfect balance and harmony with everyone and everything:

“If we are in harmony with the Creator,

we are like newborn babies,

in natural harmony with all.

Our bones are soft, and our muscles are weak,

but our grip is strong and powerful.

Not knowing about sex,

we manifest sexual arousal.

Crying all day long,

we lose not our voice.

With constancy and harmony,

we accomplish all daily tasks

without growing tired.

                        

In natural harmony with the Creator,

we let all things come and go,

exerting no effort, showing no desire,

and expecting no result.

Natural harmony is experienced

only in the present moment,

when we see the natural laws of the Creator.”

(Lao Tzu, Tao Te Ching, Chapter 55)

According to the TAO, living in the present moment is living in balance and harmony:

“We act without over-action.

We manage without interference.

We enjoy without attachment.

Effrontery is just

an opportunity for loving-kindness.

Great accomplishments are only

a combination of small steps.

Difficult tasks are no more than

a series of easy steps.

Therefore, we focus on the present moment,

doing what needs to be done,

without straining and stressing.

To end our suffering,

we focus on the present moment,

instead of our expected result.

So, we follow the natural laws of things.”

(Lao Tzu, Tao Te Ching, Chapter 63)

Most importantly, spontaneity shows us the wisdom of the impermanence of all things—that is, nothing lasts despite all human efforts to make them continue:

“Strong winds come and go.

So do torrential rains.

Even heaven and earth cannot make them last forever.”

(Lao Tzu, Tao Te Ching, Chapter 23)

Stephen Lau

Copyright© by Stephen Lau

Why Your Prayers Are Not Answered

The Meaning of “Prayers Not Answered”

Prayers not answered” simply means “expectations not fulfilled.”

But what’re your “expectations”? And where do they come from?

You experience your own life experiences through your five senses (seeing, hearing, tasting, touching and smelling) as a result of the choices of your actions, inactions, and reactions in your everyday life.

Your sensations often become your own perceptions, which then form your own assumptions and predictions; for example, a good education will lead to a successful career, and bring about a happy relationship.

All your “expectations” are only the personal and the subjective perceptions of your mind. But your “expectations” are often unreal and even self-delusive.

Even what you think you see with your own eyes may not necessarily be the reality.

To illustrate, in 1997, Richard Alexander from Indiana was convicted as a serial rapist, because one of the victims and her fiancé insisted that he was the perpetrator based on what the victim and her fiancé claimed that “they saw with their own eyes.”

But the convicted man was later exonerated and subsequently released in 2001, based on the new DNA science and other forensic evidence. Experts explained that a traumatic emotional experience, such as a rape, could “distort” the perception of an individual. That explains why the woman and her fiancé “swore” that Richard Alexander was the rapist, but evidently he wasn’t.

To illustrate “unreal expectations”: Helen Keller, celebrated author, political activist, and philanthropist, was the first deaf-blind person to earn a Bachelor of Arts degree; she became deaf and blind at an early age of less than two.

Imagine you were Helen’s parents: would you have “darkened expectations” of the future of Helen when she suddenly became deaf and blind?

Another illustration of “unreal expectations”: Shon Robert Hopwood, a young American convicted of bank robbery and sentenced to prison, became well-known as a jailhouse lawyer. While serving time in prison, Shon started spending time in the law library, became a jailhouse lawyer for the inmates, and ultimately a very accomplished United States Supreme Court practitioner by the time he left prison in 2009. Currently, he is professor of law at Georgetown University Law Center.

If you were the parents of Shon, would your own expectations of your son have fallen short after his conviction of 12 years of imprisonment?

The truth of the matter

Your perceptions—whether true or untrue—become your realities, and are then stored in your subconscious mind as your memories.

Whenever you want to make a choice or decision, it’s your subconscious mind that provides your conscious mind with your many attitudes, beliefs, and predictions—all based on your memories of your past experiences. Your thinking mind then begins to process and project them into the future as your “expectations to be fulfilled.”

Points to Remember

Perceptions may easily become distorted and unreal. So, don’t let your own perceptions become your assumptive predictions.

Expectations are in the future, and their timeline is indefinite. So, don’t jump to any conclusion yet.

The past was gone; the future is yet to come; only the present is real. So, don’t use the past to predict the future as “expectations to be fulfilled.”

Click here to get Why Prayers Are Seldom Answered.

Stephen Lau

Copyright © Stephen Lau

Take a Role Model and Be Happy

Ann Russell Miller was a celebrated socialite from San Francisco, also known as Sister Mary Joseph. She, who had ten children and nineteen grandchildren, had grown up in luxury and privilege, and had been living a life of incredible wealth. Instead of shopping at Saks Fifth Avenue, and decorating herself with jewelry from Tiffany, she suddenly and surprisingly decided to give up everything, and became a nun devoted to living in poverty for the rest of her life.

That unbelievable event happened more than two decades ago, and was then widely reported in the media across the country. Why did she make such a drastic and incredible change in her life? She said she had a calling, a true vocation that was hard to understand for the general public, even for the close members of her family.

Ann Russell Miller just wanted to live a simple lifestyle, deleting all the trimmings of life and living, as well as all the attachments that she wanted to let go ot.

Do you have a lot of attachments to the material world you are living in right now? Take a look at your garage and basement. If they are packed full and loaded with many disposables, then probably you still have many attachments you are unwilling to let go of. Attachments are clutters that bring memories you are unwilling to let go of—memories that are reminiscent of your past accomplishments.

If you wish to be happy, just live a simple lifestyle.  

Epicurus, the famous Greek philosopher, had this advice on how to lead a happy life: avoiding luxuries, and living simply. The explanation is that luxurious living may make you into a “needy” person whose happiness always depends on things that are impermanent and easily lost. When they are lost —because nothing is permanent—you naturally become unhappy and even depressed.

THE HAPPINESS WISDOM
MY WAY! NO WAY! TAO IS THE WAY!

Stephen Lau      

Copyright© by Stephen Lau

Payback Anger

     In Houston, Texas, a man using his gun robbed diners in a taqueria restaurant. The robber was on the verge of leaving that restaurant when he was shot 9 times by a vigilante diner, who then helped diners recover their money robbed at that Houston taqueria restaurant before disappearing.

     The police later discovered that the suspect’s weapon was only a “plastic gun.” Texas police began searching for that vigilante diner, with that “you-take-my-cash-I-take-your-life” mindset out of anger.

      Anger is more than a feeling; it’s a functional emotion. Its objective is to stimulate your mental awareness and direct your physical attention to something important going on in your own psychological world. Emotions are informants. Positively experienced emotions bring gratitude in appreciation, joy in fulfillment, and pride in accomplishment. Negatively experienced emotions bring anger, anxiety, danger, fear, frustration, worry, and even violence.

     Anger is about threats and violations to your wellbeing. So, being able to feel anger and use anger to safeguard your own personal wellbeing is important. People who can’t get angry often end up accepting aggressions and violations of their wellbeing. Many victims of family abuse simply adjust to verbal threat or even physical violence and accept mistreatment as an unhappy fact of life. They learn to deny its emotional impact, to rationalize its harm, and even to avoid upsetting the abuser. Adults, who’ve learned these “survival” skills as children, often end up marrying into abusive relationships not because they want to, but because they unconsciously feel the abuse comfortably familiar and even normal.

    Angry No More: A new book on how to control and eradicate your anger.

Stephen Lau

Copyright© by Stephen Lau

Simplicity to Empower Your Mind

Living a simple lifestyle is the key to stress relief to preventing disease and  prolonging longevity. Simplicity is a way to increase your mind power.

In this day and age, living in this complex world of technology is not easy: The complexity of this world has taken a toll on the human mind, creating undue stress, as well as many emotional, mental, personal, and psychological attachments in the material world. For these reasons, profound human wisdom in living is essential to overcoming stress and letting go of all attachments. Simplicity is the first step towards detachment, which holds the key to unlocking the door to happiness. Live a simple lifestyle, deleting all the trimmings of life and living, as well as all the attachments that may have a negative impact on your mind.

Epicurus, the Greek philosopher, had this advice on how to lead a pleasant life: avoiding luxuries, and living simply. The explanation is that luxurious living may make you into a “needy” person whose happiness always depends on things that are impermanent and easily lost.

The late Robert Kennedy once said: “Sometimes I think that the only people in this country who worry more about money than the poor are the very wealthy. They worry about losing it, they worry about how it is invested, they worry about the effect it’s going to have. And as the zeroes increase, the dilemmas get bigger.” 

The bottom line: live a simple stress-free lifestyle to help you let go of all the trimmings of life.  A stress-free lifestyle goes a long way to helping your attaining longevity. 

A classic example is Ann Russell Miller, a celebrated socialite from San Francisco, also known as Sister Mary Joseph, She, who had ten children and nineteen grand-children, had grown up in luxury and privilege, and had been living a life of incredible wealth. Instead of shopping at Saks Fifth Avenue, and decorating herself with jewelry from Tiffany, she suddenly decided to give up everything, and became a nun devoted to living in poverty for the rest of her life. That unbelievable event happened more than two decades ago, and was then widely reported in the media across the country. Why did she make such a drastic and incredible change in her life? She said she had a calling, a true vocation that was hard to understand for the general public, even for the close members of her family.

"YOU JUST DON’T DIE!” 

This 154-page book is about how to live your life as if everything is a miracle if you just don’t die as you continue with you life journey with the many changes and challenges confronting you, including your loss of vision.

Human existence is meaningless without life purpose and human happiness. The pursuit of longevity has been going on since time immemorial. Consciousness holds the key to the success of this pursuit. Consciousness of living is wisdom of the mind to understand the self, others, as well as how and why certain things happen. Wisdom in living enables one to complete the rest of one's life journey and reaching the destination.

To live to 100 and beyond—if you just don’t die—you must ask questions about life; after all, living is about asking questions and seeking answers to the questions asked, and thereby instrumental in providing wisdom or a blueprint to continue the rest of your life journey.

The objective of this 154-page book is neither to convince you to crave longevity, nor to show you how to live to one hundred and beyond. It simply presents you with the consciousness of living the rest of your years—if you just don’t die!

Click here to get your copy.

THE TAO OF LIVING LONGER

Stephen Lau

Copyright © Stephen Lau