Over the past 12 months, more than ever before, I have observed a radical shift to a higher level of consciousness among the audiences that are attending seminars that I am speaking at. What do I mean by this?

People have gone through significant changes in the way they view the world over these past 12 – 18 months. They have experienced pain, loss, financial challenges, death, bankruptcy, divorce and many other similarly “life distressing” experiences. During this process, human beings tend to respond in one of two primary directions: they either descend down a path of self-pity or they develop an amazing shift in their awareness of the world and look for a powerful meaning in what has happened and find a greater level of emotional and spiritual awareness. It is this second shift that leads to the path of greater consciousness.

To help you make the shift and to become aware of your transition to having a greater conciousness, here are some key observations that you can make:

1. You find yourself looking for a more powerful meaning in the challenges that that you are experiencing
2. You find yourself asking more powerful and insightful questions
3. You focus on positive emotions and associate more with people who are calm and centred in their nature
4. You are less focussed on material “things” and more on a sense of well-being and inner happiness
5. You become more aware of the laws of attraction and manifestation
6. You are open to listening and learning more and vibrate at a higher energy level
7. You distance yourself from negative thinking and negative thinkers

I could continue, but I hope you are getting a clearer picture. Now is the time for change. Now is the time to let go of old limiting beliefs. Now is the time to release yourself from the past images you have of yourself that have held you back. Now is the time to align with your true purpose. Now is the time to say YES to attacting more wealth. Now is the time to associate with new people who are vibrating at a higher level of conciousness. Now is your time…

I have been asked a lot recently about Bridging Finance and whether it is still availabe now and what are the different types of Bridging.

Firstly, it can be simple to bridge, even in the current climate and it is usually provided by either:

1. Private investors who are cash rich (sometimes referred to as Angel investors)
2. Formal bridging company

When dealing with a bridging company or individual note that there are certain FSA requirments, more so for closed bridging.

On that note let me outline the two types of bridging available, these are Closed Bridging and Open Briging.

Closed Bridging

The bridging company have been approved by the FSA to provide short term funding (for one day) – hence the term closed. What this means is that you cannot borrow the money from them for 4 weeks (that would be an Open Bridge). Closed bridges are excellent for doing one day transactions where you need to secure the deal quickly. Also, if there is suffient disoucnt on the propoerty being purchased, the Bridging company will provide bridging on the full agreed purchase price (note that all deals have to be assessed seperately).

These bridge set-ups are ideal for people wanting to look at doing low or potentiall no money down or even cashback property deals. Typical fees will vary from £1500 to £3000+)

One company to look at is: www.simpletobridge.com

Open Bridges

Open bridging enable you to finance the deal for a period of time before looking at re-financing at a higher price. The upside is that you have the property bridged by pridging company; the downside is that it can cost a lot of money to hold it on a daily or monthy basis. The charges may be 2 – 3% per month on the money borrowed. If the investor has not planned for this, it can prove  very expensive and profit could be reduced if the open bridge perid runs on.

Typically you will be charged an arrangement fee (similar to above) plus the interest charges.

Of the two, for those who can locate properties at a discount then the closed bridge facility allows you to purchase with very little money in the deal and potentially cash back. CHA CHING!

If you have deals right now that are below market value and you want to minimise the amount you want to put in then visit www.simpletobridge.com and see if they can help you.

What is Credit Blur?

Several years ago I heard a speaker talk about what he called “Credit Blur” when a person becomes almost overwhelmed with their current financial situation, they don’t know how to beat it, so they simply ignore it. I actually think it does not have to be as dramatic as that – these days with the hectic lives that we lead, most people don’t really have a handle on their financial situation.

Some years back a friend of mine met with a couple who were worried about possible repossession of their home. When asked, “What is total amount of your current mortgage” the couple simply replied “£300 per month”. When asked “OK, so how much do you actually owe the building society?” they replied “£300 per month”. When my friends then shifted the question to “What is the current interest rate you are borrowing at, the reply was “£300 per month”. They had “credit blur” and simply knew only one thing – that the mortgage payments of £300 per month were crippling them.

Get Clarity

Most of us do it at some time or another – we spend and don’t always keep track of what we’ve spent and we don’t know whether we are paying too much interest on the money we have spent!!

A few questions for you:

What is the current limit on your credit cards?

What interest rate are you paying on purchases?

What interest rate are you paying on balance transfers?

What interest rate do you pay when you use a credit card cheque?

What is your annual fee on your card?

What is the total balance on all your cards?

It is very important that you know the answer to these questions. There are ways to make your money work very, very powerfully – and to make other peoples money work very powerfully.

Sometimes when I am teaching in a seminar I have people tell me they don’t use cards for instance – they want to avoid debt. I then ask them “What type of debt do you want to avoid?” You see, if you are trying to avoid GOOD debt – which can help you build wealth – then you are shooting yourself in the foot.

Remember – As Robert Kiyoaski (Rich Dad Poor Dad) says, GOOD debt is one of the ways the wealthy become wealthier.

Keep your eyes on my website: www.rohanlive.com