Money and the Spirit of the Universe

download-17Many give God the name The Universe and that is pretty close to my knowledge of it. Experience of reincarnation and with a link to the Spirit it appears to me that it is in everything and everywhere and that it controls the money side of humanity. It would, therefore, be using money to create greed, to devastate the environment, to deplete resources, and to pollute the atmosphere. It has also used it as a commodity that mankind cannot do without. So why do we have it?

With my limited knowledge and as a result of my research it appears that money is a tool used by the Spirit to bring about the disasters that have beset the world. They include the weapons used to kill us. It is also the reason for the depletion of resources that is destroying the environment, polluting the atmosphere, and causing an extinction of species.

Animals survive happily without any to these things and perhaps that is the yardstick by which we should measure how money and the Spirit of the Universe are working against us. Money is an invention and like

Do Financial Services Agents & Brokers Need Wakeup Advice?

download-18Agents in the financial services sector play a crucial role in sustaining the business. Financial services encompass broad sub verticals like – banking, insurance, and investment funds companies where their crucial role like building relationships and getting business volumes cannot be underestimated.

Personalized sales are the approach set by agents and brokers for decades. They carry a lot of information on products, markets, and prices. But after the IoT, big data and analytics came to the center stage, it became imperative for agents and brokers to stay relevant. The mobile customers supported by mobile workforce of businesses are posing existential threats to agents and brokers. Many may wonder – is this the end of the road for brokers and agents?

Financial services honchos may consider eliminating the role of agents attracting new prospects with reduced premium or discounts. But wait a bit more before you send the execution order as they have the firepower still. It is into this area focused study is required.

Can Agents Stay Relevant?

Now the question before us is, are agents and brokers relevant? First of all they have time tested

What Are The Services Of A Reliable Financial Adviser?

download-19Almost all individuals face financial problems that can affect their financial stability and future. It gets even worse if you need to deal with numerous issues that can affect the financial status of your business. Luckily, there are now ways to deal with these issues easily. And, this is by working with a financial adviser. With these experts in financing, you can deal with all of your financial problems easily since they offer numerous services. Below are some of the following.

Retirement Planning

One of the best services a financial adviser can offer is retirement planning. After years of working, retirement is the time when individuals can enjoy their life. Unfortunately, there are cases when individuals cannot create a good retirement since they cannot manage financial issues properly. Luckily, financial advisers can provide you with a reliable retirement plans that can match your needs from traveling, investing and even maintaining your lifestyle.

Tax Advice Services

Managing taxes can be a huge task individuals need to do annually which can consume most of your time. This task can be

What Services Of The Best Banks To Look For Before You Open A Business Account

As of now, there are numerous services company owners need to opt for in order to make their business better and their ventures easier. With these solutions, business owners can also increase their profits. These third-party services can also provide you with wonderful benefits which can help your company achieve your goals. So, in order to accomplish financial tasks companies need, it is ideal to partner with the best banks and open a business account.

Surely, there are numerous banks that offer reliable services for their clients. However, you can distinguish which bank is best if you want to open a business account by knowing the benefits it can provide. Below are some of the features you need to look for.

Help you improve your businesses’ financial status

One of the benefits of opening a business account in reliable banks is you can easily improve your business’ financial status. This is essential to entice companies to partner or to work with you. Unfortunately, not having sufficient finances can affect your chances. By opening a business account, banks can help you attain the documentation and finances you need which can help improve your reputation.

Banks

Money and the Death of Planet Earth

If there are future generations after this one, when all seems hopelessly in danger, what might they say to those who are driving the earth to the point of death? We don’t need to see more of the devastation to know what is happening. What will more documentaries like those now showing the danger we are in do for anyone? We know how many species are being destroyed, how over-fishing of the oceans is bringing them to a point of collapse, how polluted the atmosphere.

There is only one thing that is more important in the eyes of most and that is making money. The mindset that by taking just a little more will do no harm, or that it is not the business of individuals that is at fault, nor could it possibly be the result of the super large families of some who have no limits.

As the earth buckles under the pressure and millions flee the conflicts that usually follow such a huge population explosion like we are now experiencing who is it really that is to blame? Surely one would look to a high power, the Creator in fact, who is in

Money Pollutes the Environment

Watching a power station expelling gasses into the atmosphere from burning coal is a disgusting experience. The smell it generates is appalling and people are living nearby and working in it. The men who mine the coal are breathing in black dust that results in black lung disease. The cars we drive are little better as they pour out similar gasses into the air. Those gasses are a mixture of carbon monoxide, a super deadly gas, and carbon dioxide.

Man has believed that the earth is big enough to cope with it but what was not taken into account is the multiplying effects from the millions of similar businesses that do the same. The end result of all is money and many are dying because of it.

While Australia debates the pros and cons of climate change leading up to an election on July 2nd 2016, people are outraged that those creating enormous wealth from mining of dangerous pollutants are unstoppable. Among them are the gas companies who are causing some to suicide by their tactics. The result of their ‘work’ is releasing methane gas from rocks that is poisoning the water and the atmosphere around

Money Causes Extinction of Species

A very sad report on Australian television showed the way the Andes is being depleted of forest and how species are dying and a lot is due to illegal loggers. While governments have some control over the way the trees are logged and sold, however, the facts are that the number of trees felled are so great that a continual flow of logs down the river is so thick that one can walk from one side to the other. This is every hour, every day, every week, and every year.

This is how much humanity cares for the environment when money is at stake. Species are dying and those who depend on the forest to live are obviously in grave danger. The Chachi, also called Cayapa, are one such group and they number around 3,000 to 5,000. They are a people with their own culture, language, and religion but polluted by Roman Catholic influences. Their future is at stake because of the disappearing jungle they depend on for food and resources.

This has happened repeatedly over the globe as man takes from nature to inflate his wealth. It is often the very rich who is responsible

Money and Power

If anyone wants to know why money was invented they need to look at the power that it generates. Politically it is the mainstay of governments while religiously it has grown gods and made their organisations indispensable. So where does it fit into the scheme of human behaviour and why is it at the root of the World Order? One could may assume that something other than an invented commodity would fit that role so why doesn’t it?

When humans took to a sedentary life and gave up wandering the forests and taking their food from the land, as God originally intended, they had time to think about other things. In the depositions of their living areas archaeologist have uncovered tales of their development from what might be termed primitive living to the more sophisticated trade deals and exchange of goods.

Other things crop up as well and chief among them is the religious side of life and the sacred sites where they imprinted their feelings and beliefs on items in art form. Over time the images became ever more lifelike and their meanings clearer. It was there where my research discovered the power.

It

The Security Intelligence in The Financial Services

Security intelligence is the data related to safeguarding an organization from any outside and inside threats along with the processes, and policies developed to accumulate and evaluate the information.

It can also be referred to as the actual collection, standardization, and analysis of the data created by users, applications, and structures that influence the IT security and risk position of a business.

On a daily basis, information flows in organizations for the senior management to make smart decisions. The various stakeholders (employees, customers, contractors) are interfaced through various technologies.

However, the technological infrastructure can also result in serious security issues. The probable areas of intrusion are unlimited. Security experts and business leaders are trying to find an answer to the question – Is it feasible to have a robust security in an increasingly interfaced environment?

Though the answer is yes, it needs a radical transformation in processes and practices encompassing the financial services sector. The focus is not only on IT. Robust security facilitates a positive customer experience.

Cybercrime and Profitability

Financial institutions are at great risk since they are perceived to be an easy target for cybercriminals. According to a survey

Handle Your Finances With Care

It takes years to gather a handsome amount of money, and if it is not handled properly, your most prized possession would soon escape from your hands like sand. This is the reason why people go for financial planning. It gives you a great sense of satisfaction when you know that your money is in safe hands and is being handled with utmost care.

However, not many people are aware of the process involved in financial planning. Based on your financial position, it is very important to go ahead with personal planning because if you don’t start planning well in advance, then you might face several challenges in the future.

Financial advisors suggest all individuals follow these six basic key principles for financial planning.

• Analyse your current financial status: To be able to plan for future you should first be very confident about your current financial position. Make a checklist of all the assets and liabilities and your income and expenditure. Having this information at hand, you would be in a clear position to understand how you can achieve your financial goals. Your total financial worth would help you to determine the ways to

Why Is Money the Most Important Topic for Most People?

Recently I tried putting ‘money’ in my article topics to see how they would fare above the others that include health, child abuse, spirituality, and last days’ prophecies, among other things. Of the top twenty performers 12 deal with money or the financial system. This speaks volumes of the way many think when it comes to what’s important in the minds of many, and who can blame them? In today’s world the economy is tethering on the brink of disaster and people are struggling.

In Australia where an election will be held on July 2nd, it is the economy that is the main issue on the government’s agenda. The Prime Minister promises better management of it and more incentive and growth leading to more jobs. While that is the promise it is not the reality.

Over the three years of the present administration the economy has gone backwards. Jobs have been lost left, right, and center. Payments to parents have been cut, government sponsored services have disappeared, and generally the mood is one of gloom. Businesses are closing and retail shops are finding it so hard to trade that many are folding.

The world economy is also on a knife-edge while economists are

The Future of Financial Services

The ease of making financial transactions and financial services in general, had first been revolutionised when telegraph companies introduced wire transfers. But with the coming of new age financial services like Bitcoin and Ripple, it is the time we address the question of what the future holds for the financial services of the world.

Traditional Wire Transfers

Let us begin by first taking a look at how things have been going on for these past 150 years since wire transfers were first introduced. Transferring funds using a wire transfer method via a bank is not a single step process but a multi-step process. It is like this:

    • The sender approaches his or her bank and orders the transfer of funds to an account. Unique codes like BIC and IBAN codes are provided to the bank by the sender so that the bank knows exactly where the funds need to be transferred.

    • The sender’s bank contacts the receiver’s bank by sending a message through a security system, such as Fedwire or SWIFT, signalling it that a transfer needs to be made. The receiver’s bank receives this message, which includes settlement instructions as well,

A Quick Introduction To Behavioural Economics

The study of human behaviour, which has traditionally come under the umbrella of psychology, would seem to have little relationship with economics.

But, as we learn more about how the brain works through the dual disciplines of neuroscience and psychology, there is an increasing marriage with the field of economics, in order to better understand how people make financial decisions.

This has evolved considerably in recent years and is an emergent field that deserves a little introduction and explanation.

The traditional view of economics and financial decision-making

It is sometimes forgotten in economics that the field is meant to be about the behaviour of people when making financial decisions.

The traditional economist’s view is that the world is populated by unemotional, logical, decision makers, who always think rationally in drawing their conclusions. This view is underpinned by the understanding that human behaviour displays three key traits: unbounded rationality, unbounded willpower, and unbounded selfishness.

This has always flown in the face of the findings of cognitive and social psychologists, who questioned these assumptions as far back as the 1950s.

With the rise of behavioural neuroscience since the 1980s (especially Kahneman’s work) providing

7 Ways To Make Shipper-Carrier Relationships Better

Freight services are very important and load boards work great at connecting shippers with carriers. But the relationship between carrier and shippers ought to be good for the process to work out smoothly and be a win-win kind of a process. Fortunately, there are so many ways that can help improve the relationship between these two important people in the business. With stronger relationships, a reliable carrier network is maintained. By giving attention to carrier concerns, it is possible to build collaborative partnerships that are long lasting.

As a shipper, there are a few things that you can do to maintain a good relationship with your carrier.

1. Work for the good of everyone involved. This can be done by working with the carrier in determining which freights and lanes work the best. By working in conjunction with the carrier, then it is possible for profitability to be added to the network. It solidifies the relationship.

2. Honor commitment to the carriers. It is only when you honor your commitments to the carrier they will be able to honor theirs to you. Considering that carrier will usually base service price on data provided, then it

Reasons Why Online Bill Payment Is a Must

There was a time when people did not feel at ease with paying their bills online. Most of them find it hard to trust the security of transacting on the web, and thought they have no control over their money with online bill payment. When you submit your checking account details to your insurance company or utilities provider, there is a risk that you could be overbilled or that your identity could get stolen. It seemed safer to write checks and stamp envelopes, which is why many people stick to that practice.

However, this is no longer the case. More individuals are paying almost all bills you can imagine online – like credit cards, loans, mortgages, rent, tuition and utilities, to name a few.

Why then should you choose to pay your bills over the Internet? As a start, you will be able to save on time as well as costs of postage and late payment charges. Also, paying online is safer than through snail-mail. Your personal details are more prone to risks like theft when on print and in motion via the postal system. When you pay your bills with your credit card, it is

Important Things You Must Know About Fixed Capital Investment

It can be quite daunting to decode the jargon of financing businesses. In most cases, because of the similarity in the objectives of the different financing solutions, many have a tendency to exchange one for the other.

To simplify these very technical terminologies, most especially when you just have ventured into business and you do not have enough knowledge about it, here are some useful information regarding a fixed capital investment, which is one of the relevant business solutions businesses, either big or small, can opt for.

Facts About Fixed Capital Investment

First, they are often used to launch or perform businesses. Over a long period of time or about 20 years, they depreciate on the accounting statements of the company.

Second, though these investments can depreciate over time, they won’t depreciate the same way. Be reminded that there are investments that lose their value faster than the others. The perfect examples of those that devalue fast are communications equipment or devices since there is a rapid turnover of technology for these. Another excellent example is the company vehicles. Within the year of purchase, the value of a brand new company vehicle can depreciate

Skimmers at Gas Pumps

Recently NBC News did a report on the increase of Gas Pump skimmers. According to this report they are showing up at more gas stations across the country. So what is a gas pump skimmer? This is a device that is placed inside the pump. It usually goes between the card reader and the rest of the pump. The access panel is unlocked, the card reader is unplugged and the skimmer is plugged into the reader with the remaining cable plugged into the other end of the skimmer.

So the question is how do the thieves get the gas pump panel key in the first place? The majority of pumps in the market place use an inexpensive lock. These locks have been in use for so long there is no longer any key control. This is changing very rapidly. Pump manufacturers are installing high security locks on their pumps. This will increase key control and help prevent thieves from opening the card reader panels. The keys that the thieves have will no longer work on these high security locks.

Many gas stations and convenience store chains are being pro-active by changing the locks on their

How To Borrow Money Against A Shared Inheritance

An heir may have to wait months and even years in order to get their inheritance distributions. This is because of the length of the legal process involved. So, an heir is allowed, by means of cash advances or loans, to receive funds in a matter of days. It has no effect on the other heirs of the estate. A portion of the estate is assigned by the cash advance company, in exchange for the loan. Here is how you can get an advance on your inheritance.

• You need to first determine whether you have the eligibility for an inheritance cash advance or not. Advances are only typically received by the heirs from probate assets. Probate assets are bank accounts, insurance policies, real estate, company interests and other assets that were only owned by the decedent. Non-probate assets include trust, retirement accounts or any accounts that are jointly held with another person.

• You need to first determine what amount of money you want to lend from your shared inheritance. The usual range of inheritance loans and advances are from $5000 to $250000. Select an amount of loan that is less than the inheritance you

Simplifying Lives Even in Little Ways

Simplifying our lives even in little ways can make a big difference because little changes can be accomplished quickly especially by giving more time and space so we can try other approaches to make our lives simple and uncomplicated. Living within our means is better than living beyond what we have.

Being contented with what with have is also another way of living simply. When we are appreciative and grateful for the good in our lives; we are likely to be more physically active, more content in our day-to-day lives and suffer less health problems. If our financial situation is less than ideal, we should understand and accept our current circumstances, limitations, strengths and weaknesses. Acceptance is the key to create a simpler life because if not, then we will be overshadowed by feelings of inadequacy, guilt and comparison.

Nobody is perfect. We have to embrace our strengths and weaknesses. But it doesn’t mean that we have to stop learning. We just have to move on and then accept that no matter what we have, we still have limitations either in personal or circumstances. There might be things that are not yet possible considering our situations

Power of Illusion, Illusion of Power

In my last articles I pointed out the fatal flaws of the current ruling paradigm; the paradigm of materialism rooted in dualistic thinking. Materialism not only fails to explain many essential aspects of our reality, but its logical structure also fails.

Materialism fails to explain past life recall, reincarnation, near death experience, telepathy, telekinesis and so forth… even though evidence for all these phenomena is well documented and statistically unassailable. Materialism fails to explain the origin of life on Earth, speciation, consciousness… and yet science is holding on to this false belief system, this illusion, seemingly at all cost.

Materialism also fails by internal logic; matter, considered fundamental by materialism, is convertible into energy and energy into matter. Nuclear energy and particle accelerators do this conversion every day, without doubt. If matter were truly fundamental, the ultimate basis of all existence, this conversion could not happen.

For matter to be converted into energy and for energy to be converted into matter there must be a common functioning principle through which the conversion occurs… and the CFP of matter/energy must by definition be more fundamental than either matter or energy. Matter and energy are the