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® SEPTEMBER / OCTOBER 2014 VOLUME 21, NO. 5 PAM GROUT AUTHOR AND PAM YELLEN ABUNDANCE SECRETS TO A ALCHEMIST FINANCIALLY STRESS-FREE LIFE Ojai • Ventura • Santa Barbara • Los Angeles County • Orange County • San Diego County • Inland Empire • Arizona • New Mexico • Maui SEPTEMBER / OCTOBER 2014 AWARENESS MAGAZINE / 1 Ojai • Ventura • Santa Barbara • Los Angeles County • Orange County • San Diego County • Inland Empire • Arizona • New Mexico • Maui Caroline Myss Dr. Wayne W. Dyer Kris Carr Doreen Virtue Gregg Braden Dr. Christiane Northrup Mike Dooley Mind-Body-Soul Ret�eat I CAN DO IT!® P A S A D E N A , C A October 24-26, 2014 l The Pasadena Civic Join Us to Be Enter�ained…Get Educated…and Live a Bett er Life • Unlock your infi nite potential • See clearly how obstacles are divine gifts • Connect to past lives and receive • Foster your innate intuitive abilities healing messages for today • Develop healthy habits for your heart, mind and body Discover your g�eatest giſt – a happier, healthier, and more authentic you! OPTIONAL PRE-CONFERENCE ALL-DAY WORKSHOPS Friday, October 24 l 10:00 - 4:00 BRIAN L. WEISS, M.D.: REID TRACY: NICK ORTNER: Many lives, Many Masters: The Writer’s Intensive The Tapping Solution: A Revolutionary finding New Levels of Healing System for Stress-Free Living Receive 25% off a Pre-conference workshop when you purchase a Full Conference Pass! Coaching Become a Certifi ed Angel Card Reader TM Success With Doreen Virtue & Radleigh Valentine with Dr. Robert Holden San Diego, CA. Pasadena, CA October 24, 2014 October 29, - November 2, 2014 10:00 AM – 5:00 PM For training on the heart and soul of true success Call 800-654-5126 or visit www.hayhouse.com/events Register Early & SAVE! These events will sell out! www.hayhouse.com® 2 / AWARENESS MAGAZINE SEPTEMBER / OCTOBER 2014 www.healyourlife.com® The Hidden Truth: A Great Time to be Alive Hear educator and counselor Dick Larson explain why, despite all appearances, we have reason for hope. How can this be? Hear an explanation that makes sense. Discover the signs that life on this planet is getting better. Larson sheds light on how “the Phoenix” is rising out of the ashes—how life can and will change quickly and certainly—not just for a few, but for all. A major shift is in the wind. Illumined help is now with us, gradually emerging into the public eye. And this is not about any religion or belief system. A life-changing experience is on the horizon. See the evidence. Hear how Larson challenges doom and gloom prophecies with a joyful optimism and a logical clarity that clears the air. Despair and doubt have had their day. Don’t miss this chance to see the world differently. An afternoon with Dick Larson Saturday, September 20th, 3:00 pm Santa Monica Main Library FREE ADMISSION Martin Luther King Jr. Auditorium Information: 601 Santa Monica Boulevard 818-785-6300 Santa Monica, CA 90401 www.share-international-la.org Note: This program is not sponsored by the Santa Monica Public Library. SEPTEMBER / OCTOBER 2014 AWARENESS MAGAZINE / 3 EdITOR / PublIshER ® DARBY DAVIS EdITORIAl sTAFF Southern California’s Guide to Conscious Living MICHAEL DIAMOND RANDY PEYSER Celebrating our 21st Year of Service ROBERT ROSS SONIA VON MATT STODDARD with the PROSPERITY ISSUE DONNA STRONG LYDA WHITING 18 The Prayer Project... COnTRIbuTInG WRITERs Reclaiming Our World ALLEN & LINDA ANDERSON EVE WEST BESSIER 19 Time & Synchronicity MAGGIE BRYAN in Our Daily Life JESSE ANSON DAWN CHRISTINE DREHER 20 Carmel by the Sea BARBARA FIELDS TORI HELF 21 1st Awakened World Film Festival AUDREY HOPE PARAMAHANSA JAGADISH in Santa Barbara October 27-30 JENNY T. LIU, M.A. 6 MYSTIC TRISH 22 Six Natural Steps to ANN NELSON Maintaining Breast Health REV. PAUL NUGENT 6 PAM GROUT MARY JO RAPINI, LPC Author and Abundance 24. Healing with Sound STEPHANIE SOUTH DR. JULIET TIEN, D.N., SC. Alchemist 31. Ambient Alchemy PAMELA YELLEN ANUSHA WIJEYAKUMAR 10 Secrets to A Financially Stress-Free Life AdVERTIsInG sAlEs (800) 758-3223 12 Prosperity in Hinduism (714) 283-3385 [email protected] 13 The Path to Spiritual Prosperity twitter.com/Awareness_mag facebook: Awareness-magazine 14 Educate Your Kids about the Value of Saving Money & Budgeting PRINTED BY SOUTHWEST OFFSET 15 6th World Peace Pilgrimage (310) 965-9111 to Mount Baldy 17 LOS ANGELES DISTRIBUTION 16 Five Natural Ways to Beat Stress NEWS TO GO (310) 444-NEWS ORANGE COUNTY & 17 The Latest Thing INLAND EMPIRE DISTRIBUTION Celebrates 25th Anniversary! EVE’S DISTRIBUTION (909) 576-2134 POLYCUBE MEDIA (310) 498-9766 32 Book Reviews SAN DIEGO DISTRIBUTION 33 Kid’s Reviews FUSION DISTRIBUTION (949) 929-6285 34 Music & Media Reviews 35 Feng Shui PublIshEd bI-mOnThly ® 36 Never “Old” Southern California’s Guide to Conscious Living 37 Reflexions CORPORATE OFFICE 5753-G Santa Ana Canyon Rd., #582 38 Voices of Hope Anaheim, CA 92807 39 Musings (714) 283-3385 (800) 758-3223 FAX (714) 283-3389 40 Pet Corner E-mail: [email protected] www.awarenessmag.com 18 25 RESOURCE DIRECTORY The entire contents of AWARENESS MAGAZINE are copyrighted. All rights reserved. No part of this magazine may 41 CALENDAR OF EVENTS be reproduced without prior written permission. Subscriptions to AWARENESS MAGAZINE are $24.00 per 42 CLASSIFIEDS year. One issue can be purchased for $5.00. Please send check On ThE COVER: or money order to AWARENESS MAGAZINE at above address or Pam Grout call our Subscription Manager at (714) 283-3385. AWARENESS MAGAZINE reserves the right to reject any Photo by Constance Whiston advertising or editorial which is not in keeping with the pub- www.constancelw.zenfolio.com lisher’s standards. Advertisers must assume all responsibility and liability for claims arising from their advertisements. 4 / AWARENESS MAGAZINE SEPTEMBER / OCTOBER 2014 You can address all of these ailments naturally - WITHOUT DRUGS! Sleep Apnea Relief Injury Repair These herbal capsules help ensure deep, Ankle sprains, bruises, painful elbows and steady breathing throughout the night, shoulders all need help during repair. Bruise, improving the efficiency of the lungs and Strain & Tear Repair clears the bruising relaxing muscles to address obstructive and keeps the healing process going for as and central sleep apnea. long as you apply it. Get a complete repair naturally. 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Balance your hormones naturally and without BHT. A Note from Steve Dear friends, I developed these natural healthcare products to empower you in your quest for natural healing. They represent the best solutions that I have found through years of laboratory, clinical and experiential research and development. I encourage Natural products you to see what we have to offer and to contact us with your that work! questions. Regain control of your health without resorting to surgery or drugs! Best of Health, For more products & more savings, visit Steven Frank Founder, Innovative Herbalist www.MyNaturesRite.com Nature’s Rite or call 800-991-7088 SEPTEMBER / OCTOBER 2014 AWARENESS MAGAZINE / 5 A Conversation with Author and Abundance Alchemist Pam Grout By Donna Strong Following on the heels Awareness: In your new book is not true. Somehow or another citing ball game when you see of E-Squared and its off- E-Cubed you talk about how we we got way off track on how we it happening in your own life, the-charts success, Pam mostly live by default, stuck in view this force so most of us, in when you see how you affect the Grout’s new book, E- an apparent reality that effec fact, avoid it. field — this big energetic force. Cubed is about to debut in a tively closes off growth and So it’s kind of a conundrum Awareness: That makes sense. few weeks. In 2013, E-Squared expansion in our lives. Yet de- that we’ve been in. Here’s this E-Cubed is very engaging! became a New York Times best- Pam: Another calling card of selling sensation because of its the book is how much fun it is. ability to light up lots of people Usually when we think about as they had fun creating favor- science or spirituality, or any of able outcomes in their lives with the kinds of things I’m address- easy energy experiments. ing in the book, we don’t pair it Both of Pam’s books are a up with fun. We have it paired juicy call to wake up and make up with the idea that this is seri- constructive use of the creative ous and I need to follow these life force that we’re all endowed rules and do all this stuff. That’s with. It is the most wonderful use just the opposite approach that of physics to help us realize that I take with this book, and I think we’re going to have an impact on that really appeals to people as the world around us, so let’s do well. it well and increase the positive Awareness: Tell us about your reverb effect. With an infectious Worldview 2.0. It’s like you’re invitation to a new worldview, promoting an open source ‘app’ her books are the written equiv- to make abundance in all of alent of Pharrell Williams’ viral its forms available to everyone. song that has gone round the Wow! globe, attesting that “...happi- Pam: Every morning when I ness is the truth!” get up I say “Something amaz- Within the field of infinite ingly awesome is going to hap- potentiality, or FP as Pam calls pen to me today!” When you it, there is endless energy avail- declare that, and you get your able to experience many forms thought momentum going in of abundance — love, joy, ful- spite all of that, your book E- fabulous force, this conscious- that direction, that’s what’s go- fillment, creativity, vitality, and squared has been amazingly ness that’s the most exciting ing to happen. I mean, I feel like money. Whether enjoying a serv- successful — people are tre- thing in the entire universe and everyday I’m out there scouting ing of her E-Squared or E-Cubed mendously drawn to it and I am we’re running away from it be- miracles and blessings. offerings, we’re all invited to a asking you to reflect on what it cause we are afraid it’s going So every day I say that, and banquet of rich new realization has addressed for people. to make us do something, or it I also have this power posse — this creative consciousness Pam: Well, the book gives doesn’t like us, or it’s going to — we’re five friends and we known as FP offers a cornuco- them a way to prove that con- punish us. text each other blessings each pia that overflows for all. sciousness is available to us The other reason I think why day. The thing that’s different Pam has made her living from 24/7. Not only is divine con- people have liked the book so from your typical gratitude list writing and she makes it clear, sciousness always available, but much is because it gives them — because I’ve always been big she has great gratitude to be able it loves us very deeply and has something they can hold onto on gratitude — is that with my to do what she loves. She is quite nothing but our best interests with their hands, proof they can group you have to find some- adept at the art of expression, at heart. I think a lot of us have see with their own two eyes. thing new each day. So it really so we can also be grateful for this idea that higher conscious- It’s one thing they can actually expands my awareness because I her practice, because it is now ness has a lot of rules, a lot of prove. It’s one thing to theorize can’t repeat a blessing from yes- making much wit and wisdom no-no’s, and at the same time, about these principles, to take terday. So you just keep seeing available for our enjoyment. it expects a lot from us. But that them on faith, but it’s a more ex- new blessings and more bless- 6 / AWARENESS MAGAZINE SEPTEMBER / OCTOBER 2014 ings and expanding. So it’s re- and you don’t write them down ally cool and it’s so simple. It’s right away you forget them. two steps. What could be easier It’s the same way with experi- than that? ences in our lives. A lot of things Awareness: Talk to us about happen, a lot of signs of intelli- the field of infinite potentiality, gence are coming from the uni- as you call it the FP, and how verse, but unless we start paying we should develop a relation- attention and making that a pri- ship with it. ority — then we miss them. Pam: Okay, I call it the FP, It’s just like those dreams; some people call it God, the di- an hour later it’s gone, poof, vine, the universe, it has a lot it’s just completely gone. So a of different names but I like the lot of great things are happen- field of infinite potentiality be- ing, but because we’re looking cause it goes back to quantum for other things, we’re looking physics. for doom and gloom and limita- In the quantum world, any- tion and lack; we’re not seeing thing is possible. There’s an in- the positive signs — all the love finite number of potentialities and ideas constantly coming our that could happen in the next way. So our big job is to just start minute but because we contin- paying attention. ue to look for what we’ve seen Awareness: I love that. Tell in the past, or what we expect us about one of your favorite Energy Medicine is the based on the mental construct principles, “...that the world is healing art of the future that we have created about the abundant and strangely accom- way the world works, we tend to modating...” see the same old thing over and Pam: Oh, I love that one be- The Four Winds Light Body School has trained over again. Truly, in the quantum cause it sort of says it all. If you over 10,000 students in Shamanism and the field, the number of potential really get that, then what more practice of Energy Medicine. outcomes, the number of things could you need? This inner love, We are looking for individuals who are ready to … that could happen are unlim- this inner source that we have, ited, and that is what I call the this connection to the field is Learn to bridge ancient healing practices with field of potentiality. the most potent thing that we cutting edge science. Quantum physicists have have but we’re not really notic- called it “the field” but it is a ing it. In the particular experi- Bring peace, healing and wellness field of infinite potentiality that ment for this principle, one of to your communities. doesn’t actually form into a con- the really important things is Achieve deep levels of personal crete thing or into the material to take time each day and go and professional transformation. world until we start focusing “Wow, right now everything is upon it and putting attention just fine.” What we really need Take the first step. upon it. Whatever you put your to do is spend more time reg- Register for a Light Body School Class. attention on starts gathering istering all the good that’s hap- South (Illumination) mass and comes into your sphere pening and all the peaceful- October 5 - 10, 2014, NY once you start focusing on it. So ness, rather than noticing where February 22 - 27, 2015, CT the field is just this big ball of there’s a problem all the time. Reading the Signs of Destiny love. That’s not a very techni- We’re too busy looking at some October 12 - 17, 2014, NY cal term, but it’s really beyond little four-inch screen or the words. It’s this big unknown, un- television or focusing on the Working with The Sacred formed thing we tap into. In oth- headline news that says “Oh, October 26-31, 2014, CA er words, we animate whatever no there’s a mind-eating amoeba Join Alberto in a workshop. we place our attention upon. out there,” or whatever the new The Great Shamanic Initiation Awareness: Well, following thing might be. October 10 - 12, 2014, NY up on that, I wanted to men- Awareness: Okay. Tell us tion a line from your book that about how you think we should Alberto Villoldo Ph.D. Founder of The Four Winds Society and best I love, that there are “...massive be manifesting abundance in all selling author of Shaman, Healer, Sage and Power Up Your Brain. amounts of intel{ligence} that its forms. You talk about opening could help steer our lives.” up your channels in E-Cubed. Pam: Oh, yes. There is so Pam: Abundance is every- Find out more: much information for us. I mean, where, but again, we’re not no- www.thefourwinds.com signs are constantly coming to ticing. We’re so focused on lack, Toll Free: 1-877-833-9898 us and we often don’t see them. on what we don’t have. Grati- It’s like when you know you’re tude is one great way to start trying to remember your dreams (Continued on page 8) SEPTEMBER / OCTOBER 2014 AWARENESS MAGAZINE / 7 Pam... has been showing that it’s very possible to change. Common Ground (Continued from page 7) Awareness: How about one of your examples, which I love, noticing all of the abundance. to refrain from complaining and Spiritual Wellness Center There are so many miracles that learn to speak gratitude to the are happening all the time and universe? we’re not paying any attention Pam: Right. Did you ever hear Embracing Humanity — Expressing Divinity to them. about the guy, a minister, with So as you start realizing the the purple bracelets? He started great things, then you’re in this a movement that he called a Sunday flow of abundance. You’re like, complaint-free world? He gave “Wow, things are really work- the purple bracelets to his con- Inspirational Message ing out.” When you start looking gregation, and every time they 10:30 am for that and thinking like that, complained or gossiped, they then this is the reality that shows had to move the bracelet to the On-Going Events: up — including financial abun- other arm. The idea was to go dance — because really, money twenty-one days without com- • A Course in Miracles is just a reflection of our beliefs. plaining or whining. It turned Judy DePrete & Glenda Knox That’s all money is. out that it’s a lot of harder to do • Body/Mind/Spirit Awareness: You mentioned than people think. • Book Studies Welcome to in one of your experiments as We are just so focused on I recall, about developing more what is not going right. That’s • Developing Intuition Common Ground... coherence between your own what so many of our conversa- consciousness and the field; is tions revolve around. Rather than • Eckhart Tolle Study We Offer Spirituality that right? release our negativity, we tend • Life Coaching without Borders for Pam: As you get into coher- to build big monuments to these Spiritually-Independent People ence — and again, that’s a quan- particular thoughts by thinking • Outreach • The first and foremost goal of tum physics term — if you’re them over and over again. Common Ground is to make a coherent with abundance, then So again, it takes a while to • Reiki & Energy Healing difference in as many people’s that’s what’s going to play out retrain yourself to think in a • Sacred History lives as possible. We strive to in your life. Whatever plays out more positive way and to re- provide an open, inclusive and in your life is sort of the channel frain from focusing on the nega- • Women’s Circle welcoming place where people you’re on, so to speak. You can’t tives. Start with your words. Quit can come to grow in healthy i watch ABC if you’re tuned into complaining and saying nega- ways and experience life’s NBC. You do need to start tun- tive things and eventually your journey at its best. CHECK OUR WEBSITE ing and becoming coherent with thoughts will go in a more posi- • If you’ve been searching for an FOR DATES, TIMES & the reality that you are hoping to tive direction. expansive, innovative and draw into your life. Awareness: Would you talk COMPLETE DESCRIPTION contemporary place to nurture Awareness: Talk to us a little about some of your experiments i your body, mind and spirit, about neuroplasticity and about and how they have helped peo- you’ve found an answer right here at Common Ground. learning to rewire our pathways ple to lead happier lives? Shop at for the good. Pam: Well, the thing that’s Common Ground Common Ground serves the Pam: Well, I think we used been so amazing about this • Green Lady Boutique Southern California community to believe that we are born with book, for me and for my own through its inspirational messages, this brain and it’s set for life. Re- spiritual growth, is that I already and More! personal growth opportunities, search is showing that’s not true. knew these things worked in spiritual studies and classes, local i Whatever neurons you’re using, my life — but now, every day I and global outreach programs, a broad network of small groups, and those synapses get fired togeth- open my email box and get more Our Venue is available a variety of counseling and support er. You “fire wires” together as amazing stories. for workshops, classes, programs. they say. So if you start being So the miracles I’m hearing and 12-step groups more positive and taking your are across the board — improved Everyone welcome! Inquire for Rates focus off of the other thing, the health conditions to some buck- Come as you are! old synapses will start break- et list thing that ends up coming ing apart and you can form new true. This morning I received an www.embracehumanity.com connections. email about an intention — and So by consciously trying to this might seem like a little thing Common Ground Corona be more positive and to think — but the people were looking Sunday 10:30 am “The world is abundant, the for a purple Mini Cooper. They 550 N. Golden Circle Dr. Rev. Danell Wheeler world does have my back,” you were thinking, “There’s no pur- 510 West Foothill Parkway Santa Ana, CA 92705 will start seeing that more and ple Mini Cooper,” but they get Corona, CA 92882 more. If you stay with it, it will in the car and go to the grocery Phone (714) 836-5880 www.commongroundcorona.com change, because brain research store and there’s a purple Mini 8 / AWARENESS MAGAZINE SEPTEMBER / OCTOBER 2014 Cooper. Again, it’s opening our about it that you want to do it dant even before that. I do think different way. I’ve always ex- awareness to the fact that there again tomorrow. my financial picture is now out- pressed myself with the written are signs out there, that there As your energy rises and you picturing what I’ve been think- word, but it’s fun to have this are messages that we’re getting get more excited about it, more ing and feeling for quite a while other avenue as well. from the big FP. amazing things can happen. — I feel so fortunate that I’ve While a lot of these principles So the point is we have a lot There really is no limit to what got a beautiful daughter and an have been out for a long time, more power by focusing our we can create and what the abundance of friendships, that I I’m in contact with a lot of peo- consciousness than we even re- world can be, no limit whatso- can have a job that allows me ple who are getting their first alize. So, anyway, what’s been ever except what we place up- to travel all over the world and exposure to them. It really does so fun about the book is just all on our imagination. There’s no meet amazing people. I’ve had feel good to hear from people the great stories because any- reason the world has to be the abundance for a long time. who are changing their view- time you hear a story of some- same tomorrow except that’s Awareness: I think that’s what points. People have said to me, thing that happened to some- what we expect and the mental your work is really pointing us “You know I’ve never thought body else, you are like, “Wow, constructs we’ve got set up. It to, the abundance of a fulfilling about this before.” that can also happen for me.” could be quite different. life and money can be a very I believe in the “hundredth So while I already believe in We could totally lay down nice part of it. Is there anything monkey” kind of thing, when these principles, they have just all our arms, we could have no you’d like to touch on related enough of us start looking for exploded my belief after all the war, and that’s a vision that I’m to your new book coming out? the good and start believing in stories I hear. So that has been holding and imagining for the Pam: Well, I’m really excited the blessings, I think the whole really fun for me. world to keep getting better and about it. I think I put in the book world will flip. My goal is noth- Awareness: That’s great, and better. about how I took a stick and ing less than changing the domi- it leads me into one of my oth- Awareness: I think one of the wrote on the beach “E-Squared nant paradigm. That’s what I’m er questions. Would you tell us things that is so amazing about will be a big international best- intending and that is what’s go- how we can flip the dial to have what you have tapped into is seller.” Well, I’m actually going ing to happen. more conviction about our lives there is a sense that it’s expo- to a beach next week in Wilm- Published by Hay House, E-Cubed being different? nential, it’s beyond anything we ington, so I need to find another is available at: Amazon.com and BarnesandNoble.com Pam: Particularly with E- can imagine, and we’re already stick! For more on Pam Grout’s books Squared, the experiments are invited to the party. Now that I’m doing speaking and events, go to pamgrout.com baby steps that lead people to Pam: 24/7 baby! engagements and workshops, I Donna Strong is a writer who loves feel, “Hey, that worked — I was Awareness: Tell us something am getting the opportunity to to celebrate creativity. For more, see able to see a purple Mini Cooper about your way of seeing abun- share with people in a whole www.donnastrong.com — so what else might be pos- dance. What has changed since sible? I think we gain conviction E-squared climbed up the charts Come Discover the 5,000 Years Old Secret Teachings from the Himalayas and confidence when we see the last year? principles working. That’s why Pam: Well, certainly my fi- it’s important to start with little nancial picture has changed baby steps so you get so excited since E-Squared, but I felt abun- Together... 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It starts with mercy of current market con- day you retire. understanding some time-test- ditions and forced to sell at There’s also another type ed keys for achieving peace the worst possible time. A key of dividend-paying whole life of mind: secret of living a financially insurance policy designed for stress-free life is to have a size- people between the ages of SAviNG vERSUS iNvESTiNG able sum, ideally equal to two 60 and 85. It’s still a dividend- Many people don’t under- years household income, in paying whole life policy but stand the difference. To save safe and liquid cash reserves. you only pay a single one-time means to place money you can premium for it. I call it a Bank Many Baby Boomers are not afford to lose in a vehicle HOw GRANdMA On Yourself for Seniors Plan. headed into retirement with that is safe and has guaranteed BUiLT SAviNGS As with a Bank On Yourself inadequate savings. The reason growth. You can be certain your One of the most powerful plan, both your principal and is they have blindly followed money will be there when you pieces of financial wisdom growth are locked in, so your conventional wisdom on in- need it. In contrast, to invest I’ve ever heard is what I call policy will not go backwards vesting and retirement plan- means to place money in a fi- the 10/10/10 Savings Formula. when the markets crash. Such ning advice. nancial vehicle or an asset that People in the 1940s and 1950s policies can enable you to Nearly half of boomers aren’t has a certain amount of risk. commonly used this formula. withdraw 5-6% of the amount expected to have enough mon- You hope to make a gain, but They would set aside 10 per- you put in every year for life, ey in retirement to cover even it’s not guaranteed. You might cent of their gross income for and still leave a legacy to your basic living expenses, like food even lose your original invest- short-term needs (vacations, loved ones. And because you and medical care, according to ment money. gift-giving), 10 percent for an- put in a lump sum, rather than the Center for Retirement Re- The only money you should ticipated mid-term needs and making periodic premium pay- search at Boston College. The invest is money you can afford potential emergencies (a new ments, that money will go to same study points out that the to lose. Unfortunately, over the car, replacement of major ap- work for you immediately. typical pre-retiree’s 401(k) and past 30 years or so, we’ve been pliances, a new roof, and col- If you’re between the ages IRA will only provide $575/ seduced by Wall Street into be- lege tuition), and 10 percent for of 60 and 85, such a plan may month, and for most, it’s like- lieving we must risk our money long-term retirement planning. be right for you. It gives you ly to be their only source of in order to achieve growth of Using this formula can allow safety for your money, and a retirement income other than any significance. We take risks. you to avoid all conventional guaranteed growth — more Social Security. And we do this with our emer- bank and credit card debt, and than what you get with today’s Meanwhile, it seems that fi- gency funds, our children’s col- save tons in interest and fees. CDs, savings, or money mar- nancial stress has become the lege fund, our retirement nest My husband and I have used it ket accounts, which have been new normal for most of us. In egg — the very money we ab- in our own lives for decades, losing value every year to in- 2012, 19 percent of participants solutely cannot afford to lose. and we’ve taught it to all our flation. These plans are also in one survey said they had an children and grandchildren. designed to perform better ev- outstanding loan against their SAfE ANd LiqUid RESERvES ery year. And no skill, luck, or 401(k) plans, and many were Many people invest before STiLL TiME TO SAvE guesswork is required to make using those funds to pay their they save. The result? Only half Do you know what your re- that happen. mortgages, credit card debt, or of workers and retirees say they tirement account will be worth other bills. could definitely come up with on the day you plan to tap into Financial security expert Pamela $2,000 within thirty days to it? Most people don’t have a Yellen is author of the New York Times best-selling book, The bank on your- cover an unexpected expense. clue. But it doesn’t have to be Never doubt that self Revolution: Fire your banker, by- And two-thirds of employees that way. More than 500,000 pass Wall street, and Take Control of a small group of say they would have trouble Americans are using a savings your Own Financial Future, and Edi- thoughtful committed meeting their current financial method I call Bank On Yourself tor-in-Chief of The Women’s Financial Edge (www.WomensFinancialEdge. people can change the obligations if their paycheck to build real wealth, safely, and com). Pamela investigated more than were delayed for one week! predictably. This method uses world. 450 financial strategies seeking an Without a sizeable liquid rainy specially-designed, dividend- alternative to the risk and volatility of Indeed, it is the only day fund, you may be forced paying whole life policies that stocks and other investments, which thing that ever has. into selling or liquidating your grow by a guaranteed and pre- led her to a time-tested, predictable method of growing wealth now used — Margaret Mead nest egg assets prematurely — set amount every year. Using by more than 500,000 Americans. the investments you planned this method, you can know Visit: www.BankOnYourself.com 10 / AWARENESS MAGAZINE SEPTEMBER / OCTOBER 2014

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Sep 13, 2014 ALCHEMIST. ®. SEPTEMBER / OCTOBER 2014. VOLUME 21, NO. 5. PAM YELLEN. SECRETS TO A. FINANCIALLY. STRESS-FREE LIFE
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