Shift Your Relationship With Money and Abundance

We live in a fast-paced world that is continuously bombarding us with messages of lack, imperfection, disease, suffering, and fear, while at the same time we are expected to accomplish everything quickly; in turn, we have come to expect to get immediate results and instant gratification. We want a quick fix for our problems, our financial situation, and even our spiritual evolution. But as one of my beloved teachers used to say, “the road to enlightenment is not a highway.” I think that this also holds true for anything valuable in life.

We are fed by the mass media with hopes and wishes about our lifestyle, our health, our relationships, and our safety, while our behavior and emotional states get manipulated through the fear mongering and superficiality of the news and entertainment industries. This strategy does more than make us want to behave a certain way or buy stuff: it keeps us trapped in a moral dilemma between desire and fulfillment; between a sense of lack and the ability to create abundance and joy; between fear and love.

When you add to that the sense that if we don’t succeed immediately in the attainment of our goals it means that we’ve failed, we remain trapped in a limited and limiting perception of ourselves, our self-worth, and the value of what we have to offer as individuals. Not to mention how demanding, hard, and judgmental we become toward ourselves and others.

We may be conditioned to look for the quick fix and the magic pill, but personal transformation and success are aspects of our soul integration process that require awareness, patience, and perseverance for us to learn what we’re here to learn. Our human process and our soul journey may not always be in sync, especially if we let the ego-mind take control, so we need to align them for life to move more smoothly and in accordance to what we really want.

Are You Hiding Behind Your Sense of Lack?

The mind will always find excuses to prevent you from moving forward and growing. So if you want to change something in your life, your career, or your business, more often than not your ego-mind will resist and come up with an obstacle to convince you that it’s not possible, that you can’t do it, or maybe that you don’t deserve it, especially if you try and don’t get the results you expect right away. Money is a common excuse to avoid taking full responsibility in creating the life we desire.

I don’t know how many times I have heard people say that they can’t accomplish their projects or dreams because they don’t have enough money. So they don’t even try. They are convinced that money is both the obstacle and the solution and they don’t realize that they’re both giving all their power to the idea of money and viewing money as some kind of enemy. Talk about a self-defeating perception!

I have also heard business people say that they’re “not in it for the money,” as if money were some kind of evil energy that needs to be exorcised from our lives if we want to be “good” or “spiritual.” They reject wealth based on the belief that it makes people greedy (I’m sure you’ve heard that “money changes people”) and they’d rather be “humble,” which for some reason has acquired the meaning of being poor. Yet they often talk about wealthy people with so much resentment and envy disguised as disdain that you have to wonder where their humility went. Perhaps what prevents them from welcoming abundance is the fear of being harshly judged?

Be At Peace With the Energy of Money

Having money doesn’t make you less spiritual or more greedy. That depends on your choices, regardless of whether you have money or not. Some wealthy people do great things for the world while others simply use it to empower their negative side. One of our neighbors won the lottery and remained the same stingy person he was before winning millions; getting money didn’t turn him into a miser, it just made more obvious what he already was. Other lottery winners have given most of their winnings to charity. Money is not an enemy or evil energy; it’s just a means to an end, and both the problem (lacking money) and the solution (abundance) lie in your own perception.

It’s easier to hide behind an excuse than to take full responsibility in moving toward what you desire without apologies. Why? Because you have created a multi-layered self-image that is hard to break free from, even if it doesn’t really suit you anymore, or at least some of its layers don’t. If your perception of abundance is split between desire and aversion, it is hard to find a more balanced middle ground to heal the split. So, for example, having more money than the members of your family or your spouse may stir unconscious feelings of guilt about abundance and success.

This is a dysfunctional world where money has become the driving force behind absolutely everything, both positive and negative, and where money permeates all we can acquire and accomplish in the world. So much so that our attention is focused on money-either because we need it to survive, or because we want more of what we already have, or because we feel guilty about having more than others. If you don’t have enough money, you want more; and if you have enough money, you also want more to be able to spend it without running out.

As long as your attention is on the external, material aspects of life, those who run the show by manipulating you are happy. However, money is just one aspect of abundance. I am not saying that it’s not important. On the contrary, it is very important, and this is why it is key to be completely at peace with the idea of money and of having money to create abundance. You have to start believing that money is a spiritual resource that you deserve, that having wealth does not take away from anyone else, and that it can be used, shared, and spread to uplift and empower others and transform the world.

Does thinking about money bring about fear, anger, resentment, anxiety, guilt, or shame? Does it also stir up your dreams, hopes, and desires? Do you feel that money robs you of the sense of control because it keeps you up at night, or feeds a sense of unfairness or failure because you cannot have what you desire? Do you despise and criticize wealthy people? Do you tend to hide the money you make or need to justify how you spend it? Do you feel that you’re a “good person” if you give and self-sacrifice, and “selfish” if you invest in yourself-in what makes you happy and promotes your self-growth?

Shift Your Perception to Increase Your Cash Flow

It is crucial to remove all the distorted beliefs about money to manifest abundance, not only because they’re not true, but also because they go against your true nature. We are not the physical body and senses, we are extensions of Divine Infinite Consciousness, which is abundant and ever-expanding. The more we grow, bringing in more life, more love, more truth, and more awareness, the further the Universe expands. There is really no right or wrong, as long as we continue the expansion, because it’s all a process of learning through experience and moving forward on our journey of spiritual evolution.

The Universe is abundant. It doesn’t end with a few planets; it goes on and on, creating new galaxies, new solar systems, new life forms. Likewise, on our plane, it manifests millions of flowers and colors and trees and species and physical and non-physical possibilities. Why is it that the Universe-which is essentially of the same nature as we are-is never-ending and expanding, and we humans continue to be trapped in the ideas of lack and poverty and suffering?

If you want to change your financial situation, you have to shift your awareness, bring light onto how you relate to abundance, and appreciate everything you are and everything you have.

  • Catch your judgments about wealth and wealthy people
  • Give yourself what you want the Universe to give you more of
  • Trust that you will get what you need when you need it
  • Expect to find money and new opportunities for abundance
  • Know your stopping points and blind spots about money and abundance
  • Live more in gratitude and less focused on lack and fear
  • Be generous with what you have to offer
  • Let go of all preconceived ideas and be open!

We all have internal mechanisms to keep us within the boundaries of our conditioning and dysfunctional upbringing. These mechanisms prevent us from growing emotionally and utilizing our full potential, because they are based on belief systems that create a false sense of self and maintain self-images that reinforce those mechanisms. It all works together very efficiently as the ego-mind. Every time we do something that goes against it, that is, that would set us free from our limiting beliefs and emotional habits, these internal mechanisms kick in and try to stop us.

Align With Your True Nature to Create an Abundant Life

A good analogy for one of these internal mechanisms is the cruise control that automatically controls the speed of a car. If you want to maintain a certain speed on the highway without pushing the gas pedal, you bring your speed up to a specific number and press the cruise control button to set it. Once you take your foot off the pedal, it makes your car move at that speed, no matter what. If you go uphill, the engine will push harder to prevent the car from slowing down, and if you’re going downhill, it will do the opposite to maintain the speed you set up.

You have a similar emotional cruise control that gets triggered when you want to change direction in life, or break free from the beliefs acquired during childhood-about money, abundance, love, relationships, success, joy, and most importantly, about yourself. What was the self-image (or identity) that made you feel closer to mom or dad, or part of the family? Or maybe you created and continue to cultivate a self-image that would maintain the illusion that those you love would love and accept you only if you behave a certain way? I’ve been there, and I know how hard it is to see those blind spots that act like a veil in our perception and prevent us from expanding and stretching beyond the same-old-same patterns.

Abundance does not come from people, but through people. It comes from the Infinite Consciousness within each of us. Infinite Consciousness manifests its infinite abundance through us and others, and it does not give exclusive rights to anyone in particular, because it is within the nature of all. Yet you can allow it into or reject it from your experience according to your beliefs and self-images-your mental and emotional habits and patterns. So it manifests only according to what you are able to perceive and receive.

If you want more, it’s not enough to desire more; you also have to open up to more, become more, live up to more, and expect more. You have to up level your perception and resonate with the vibration of abundance to create abundance. Remember, the Universe can only give you more of what you already give yourself because that’s what you are able to perceive and receive. Isn’t it time to stop giving yourself a sense of lack and anxiety about money and kindle the passion to go for what you truly desire?

If you are ready to break free from your limiting beliefs and discover the blind spots that prevent you from creating abundance doing what you love, as well as transform the emotional cruise control system that keeps bringing you back to the same place of lack (of money, love, support, relationships, success, and so on), contact me now to get started on a new journey toward a more conscious, creative, and abundant life!

If you are a conscious, creative and/or spiritual entrepreneur, visit my Conscious Business Coaching page to learn more about how I can help you overcome your stopping points and integrate all of who you are to create a unique and empowering business from within.

© 2013 Yol Swan. All rights reserved.

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Starting a Franchise? Looking For Business Money To Finance A Franchise?

The priority of securing business money when you have selected and are starting a franchise becomes even more important as you focus on getting the business started and up and running.

Let’s discuss some of the sources of capital in the Canadian franchise environment, and we’ll share some tips and strategies that have helped many other clients looking for Canadian business financing in the franchise environment.

There are actually 5 sources of capital that will successfully allow you to complete the financing of your new business. They include your own equity injection into the business, i.e. your down payment, bank and institutional financing (its not what you might think, so stay tuned on that one ), asset financing via an independent finance company, and finally a potential vendor take back from either the franchisor of the existing franchisee from whom you are buying the business.

Let’s therefore backtrack a bit and hopefully give you some solid tips and new information around how this financing is, in our words ‘ cobbled together ‘ to give you a total financing solution for your new business.

It’s always the same question when we talk to clients… ‘How much do we have to put in ‘… they are of course referring to their owner equity investment into the business. The truth is that the amount varies when it comes to the financing portion of your business. That amount is flexible and can vary anywhere from 10 – 50 per cent depending on the size of the financing and the amount of working capital you want to have on hand d on day once that will allow you to finance the business properly.

Another tip we’ll share in the above mentioned ‘ owner equity ‘ area is simply that in many cases some franchisors will actually mandate how much you ‘ have ‘ to put in. We therefore recommend to all clients that they get a clear understanding up front so there are no surprises. In defense of the franchisor they are probably relying on their own experience that allows them to have determined over time what it takes to successfully run and grow one of their units in their franchise system.

So how exactly do the banks in Canada participate in the starting of your franchise? Is it as simple as approaching your bank and determining what business money they will lend to finance a franchise? Not really we tall clients. We have rarely if ever seen a direct term loan to cover the financing of a franchise. But yet the banks do participate in most of the franchise financing in Canada. How? They piggy back on a special government program called the BIL/CSBF programme. This loan is underwritten by Ottawa, and has very generous terms and conditions around rate and structure. Unbelievably you are actually only guaranteeing personally 25% of the loan, which is another benefit.

So our cobbling together of a financing package is getting there – another great strategy is to finance separate individual assets with an independent lease firm. This type of asset financing is easier to get approved, and can cover a significant portion of any assets that need to be financed.

We spoke of a potential vendor take back from the franchisor or existing franchise as part of the purchase package. We will share with you several tips and comments on this one – namely that you should not fully rely on getting this type of financing in place. Occasionally you might be successful, may times you wont. Why? Simply because the franchisor or existing franchisee is motivated to sell you a franchise, not finance it!

Speak to a trusted, credible, and experienced Canadian business financing advisor in the area of starting a franchise and getting the right business money in place to allow you to complete your new role as a Canadian entrepreneur.

In House Financing Programs Making A Comeback

In House Financing is making a comeback in the Canadian market. When I first entered the car business in 1995 there were very few options for people who had credit issues such as bankruptcy, written off accounts, judgements or collections to be able to obtain financing for a reliable vehicle. I was lucky enough to work for a dealership that had an in house leasing company and we were able to sell cars to these people before the sub prime lenders came on the scene.

Over the past several years there have been many companies come into the Canadian automotive financing market to fill the need for most of these customers. They are relatively large national and international financing companies. They have signed the majority of the dealerships across the country to refer business to them. In 2005 there were no fewer than 7 such companies doing business all across the country with many others doing business in certain markets in the country. At the time of writing this article in 2010 there are only 4 remaining and they have tightened up on their lending practices because there is less competition in the marketplace. Of note the 3 sub prime lenders that were doing business all across Canada that are no longer in the marketplace were international lenders with 2 or the 3 based in the United States. When the financial crisis occurred in America we lost them due to their parent companies consolidating their operations into the United States.

It has been this tightening up of lending practices that is beginning to make a need for In House Financing at the dealership level once again. Today there are more and more clients who have credit problems and are in need of special financing solutions as they no longer qualify for financing from the mainstream sub prime lenders.

Many car dealerships are growing tired and frustrated at spending a lot of time and money in advertising to get customers into their dealerships to sell them a car just to have the lenders turn their customer down. It has been this frustration that has led many of them to take another look at an old concept and begin financing these customers themselves. So slowly but surely there are In House Financing, In House Leasing and Buy Here Pay Here programs starting to pop up all across the country to service this new marketplace.

There is very little difference in the various financing programs from a consumer point of view. They all work basically the same way. You have to give them a down payment that the dealers require to offset the risk they are taking in financing these type of high risk clients. Most of the down payments range between $500 – $2000 and are either used as money down on the loan in the case of In House Finance and Buy Here Pay Here programs. The out of pocket money is used as a security deposit and first payment in most In House Leasing programs. The security deposit can be used to buy out the lease at the end of the term without having to come up with any money out of your pocket at that time. No matter what the money you give the dealership is called, by the end of the term it is used to pay down on your vehicle.

The other major difference in these programs is how the vehicle is registered by the Registry of Motor Vehicles in your province. With the In House Financing programs the vehicle is registered in your name on the registration and a chattel mortgage is placed on the vehicle at the Registry of Deeds in your province. The chatel mortgage make it possible to repossess your vehicle if you default on the loan the same way a bank or finance company can. With the In House Leasing programs the vehicle is registered in the name of the leasing company with you being registered as the plate owner of the vehicle. The Buy Here Pay Here programs are usually run by a smaller dealership and they sometimes register a chalet mortgage the same as the In House Financing Programs but often they get the customer to register the vehicle in their name and then return to the dealership with the ownership paper and sign it over to the dealership. This way if the customer defaults on the loan the dealer simply registers the vehicle back into their name and repossess it from the customer. At the end of the day it really doesn’t matter which program you choose to use if you don’t make the payments they will repossess your car but if you make your payments you will not have any problems. Remember all of these dealerships are interested in you keeping your vehicle. They are usually understanding if you are going to be a couple days late with your payment as long as you let them know beforehand and make arrangements to get caught up right away.

These dealers live in the areas they work in and are usually very helpful and are willing to work with you. Most of these dealerships require that you place full coverage insurance on your vehicle but some of the smaller Buy Here Pay Here dealers will allow you to just have basic car insurance because the vehicles they sell are usually fairly inexpensive and full coverage insurance just doesn’t make sense.

The hardest thing about financing a vehicle through these dealers is usually finding them. With so many dealerships advertising Guaranteed Auto Approvals, Bad Credit – No Credit Car Financing and the like but most of them do not have any options for you if you are declined by the national finance companies. You end up spinning your wheels looking for a dealer who will work with you causing you to either give up or get frustrated and buy a cheap car privately with whatever money you can come up with.

Purchase Order Financing Tips and Secrets for Canadian Firms Seeking Trade Finance

Your worst business nightmare just occurred. You got the order/contract! Now what?!

Purchase order financing is a great tool for firms that have unusual purchase order and contract sales financing needs but are potentially unable to access traditional financing via banks or their own capital resources within their firm. How does trade finance P O financing work, does your firm qualify, what are the costs, and how does it work? Great questions, now let’s explore some answers!

Typically Canadian firms looking for this type of financing are distributors, manufacturers, or perhaps wholesalers. A variety of industries in Canada have access to this type of financing, but those certainly tend to be the typical firms needing assistance.

Your need for purchase order financing arises out of what we call the classic working capital gap. What do we mean by that? It’s a case of your suppliers requiring payment either up front or within 30 days, with your firm unable to generate those funds for payment and therefore unable to fill large purchase order and contracts in your favor. Your supplier is asking your for payment in advance or 30 days, and you wont receive payment for at least 60-90 days, perhaps more depending on your build cycle, etc.

Naturally you don’t want to turn down orders or lose competitive market position.

The obvious solution for low cost large amounts of funds are Canadian chartered banks, but our observation is that many firms simply cant satisfy the banks requirements for this type of financing to occur. If your firm is growing, profitable, has a clean balance sheet and strong historical cash flows and history you of course have a solid chance of meeting bank requirements, however that typically is not the case, certainly in the amount of clients we talk to who are looking for alternatives to their growth challenge!

When you access p o financing you can have comfort that your suppliers will be paid, and at the same time you generally have access to all the funds you need. Typical purchase order financing applications take anywhere from 2-4 weeks to complete and involve basic financial due diligence on your firms ability to fulfill the order, who your customer is (they must be credit worthy), and your proper supplier sources must be identified and vetted. It’s as simple as that.

So what are the basic pre requisites for a solid P.O. Financing deal? Naturally your company must be in possession of a contract or order that is not cancelable by your client. The P O finance firm arranges to pay your suppliers directly, that alleviates all you cash flow and working capital concerns. The transaction is completed when you ship the goods and your receivables are generated on the sale. It is at this time the purchase order finance firm expects to be paid, and this is traditionally handled by your firms monetizing of its receivable via a bank or factoring facility. Factoring facilities are great partners to the P O financing strategy, because use of them guarantees payment to your P O firm.

Let’s cover off a couple tips and secrets around the cost of purchase order financing – It generally is in the 2-3% per month range in Canada, and that means you have to have solid gross profit margins in order to be able to sustain the finance charges. But let’s be honest, let’s say your firm has been doing 750k of revenue for the last couple years and you finally get the large order from a major customer for 1 Million dollars. Wouldn’t you give up 2-3 % of your profit margin in order to make one sale which is the equivalent of your entire year’s business? We think you should positively consider that! Clearly the higher cost of this type of financing covers off the complexity and risk that the P O finance firm takes in paying for goods, waiting to get paid, and having the belief that your firm will fulfill the contract order.

It has been our observation with certain clients that your successful completion of a purchase order finance deal typically significantly enhances your relationship with your major suppliers and of course customers, that’s a secret benefit that is intangible but invaluable at the same time.

Is P O financing for everyone. Maybe not. Could it be possibly the solution to major working capital needs if your business is growing and can’t be financed traditionally – we certainly think so? Speak to a trusted, credible and experienced purchase order finance expert to explore your options.