The Real Meaning (Freedom) of Counselling Relationships

Part One:

I see a lot of people in this group talk of ethics in the counselling room, what I should do with my clients (patients) what I should not do? Can I do this or can I do that – what if this happens and what if that happens. I want to tell you most of this is pure aesthetics, meaningless configurations and at the most pointless. There is only one thing that matters in a counselling room is the relationship between you and your client. Do you set the depressed free from a past that binds them, do you enable the anxious to look forward to a positive realistic future without worry and concern, do you calm the mind of those who feel the futility of life and replace it with an inner sense of purpose. Do you see the broken mended and after several sessions smile and say, I don’t need you any more. Do you feel the frustration, satisfaction, the elation of the transformation of crisis to one of peace and contentment.

As counsellors we are the agents of another persons change – we are the advocates of psychological research that works, we are the unsung heroes that no-one talks about. We get paid by the hour – we only receive what we deserve for the service we give. Our value is in the knowledge that we make our living from helping others survive a mental hell that the normal only feel in the peripheral sight of sadness or ecstatic wonder. Outside our profession are the rule makers, the judges, the authoritarians, they run our professional associations, our societies – that deem to tell us what is ethical, right, acceptable and we should listen and obey. Very few of these so called purveyors of righteousness have ever treated a client, have ever confronted the drama of tears, despair and anger at the World that our clients suffer from every day. I want to offer them a cup of tea, so what, I want to give them a hug, so what, I want to meet them for coffee, so what, I want to become friends over years, so what – whose business is it other than the therapist and their clients.

Clients tell us what they want and can accept – we don’t need others to interpret that or judge our actions – we see the client bloom and get better – not the soulless association or societies that claim privilege over us in our actions and thoughts. We have only one rule – do no harm to our clients as we would wish not to be harmed ourselves – all the rest is just self righteous bullshit.

Part Two:

The above statement was in response to hundreds of new and existing counsellors who were consistently asking what they can and cannot do with a client in therapy. In previous papers I have outlined my objections to Supervisors, accreditation, licensing and chartership as the money making control of a profession of helpers who are constantly micro managed by the blind who cannot see. So there is no need to repeat myself here. However to give a more general outline of my belief in the above statement I feel I should qualify my position.

First I have been treating patients (clients) for over 35 years professionally and long before that as a people person in various backgrounds of work. Like most of my generation I left school at 15 years old and went to work, started paying taxes, insurance and my mother (board). After a time did my army service, married young, fathered children, bought houses, got into debt, started businesses, got divorced, stayed single for 30 plus years, educated myself through University, remarried, had more children and worked everyday of my life not for a wage in most cases but as a self employed businessman in what ever form that took. In other words I made money from my own efforts and never relied on someone else to support me. Not always hard not always easy, but many lessons from life learned. I was not always good but far from bad, I made mistakes but did what I could to put things right. I saved myself when I needed to and gave generously when I could. I am a man of science not religion, I want do not want faith in superstition I want certainty in facts. I am independent in spirit and thought – I go my own way when I can without hurting another. My sense of purpose is to be the best therapist I can to support my family and lifestyle (modest in most cases).

I like to write when I have time, 65 papers and three books published. I enjoy photography and is my only real extravagance in that I own a good quality professional camera. Secondly, I am a independent thinker and refuse to be silenced and bullied by professional organizations that try to micro manage a people orientated business. I will listen to my peers and take what seems right to me – I will ignore and rebel against supervision, accreditation, licensing and the other absurd forms of control with only money at their route of evil. Thirdly, I am 64 and society says in another year I am surplus to requirements, they will give me a minimum pension eroded by politics in the UK from consecutive conservative governments that betrayed the notion of the social state, by a labour party now betraying the democratic principals of the people by not supporting the Brexit referendum. A country that used to lead to world reduced to a third world state of chaos. Like most British citizens no longer proud to tell people that is where I come from. In this state I can never truly retire and must continue to work until I die or become incapable of using my mind any longer. Fourth, I am a believer that everyone should do their bit for the planet and others, I am vegetarian going on vegan (never quite make that), I never smoke, I drink only the stout of Ireland occasionally, I choose to have only a few friends and I am a wildlife advocate.

While I cannot save everyone we all choose our own way to contributing to society and humanity – mine is to be the best therapist I can be. The second part of this paper was aimed at justifying my statement for the freedom of the right to be the therapist I want to be guided by my humanity and care, to follow science of the mind and psychological research that has long term proven benefits to the individual patient, couples or groups who seek out assistance from a professional. I should note here – professional does not mean the micro managed minion of the societies and organizations that seek to control therapists or counsellors calling themselves licensed, accredited or chartered (paying for bits of paper saying they have a right to do something that all have a right to do – help others.) A good education in psychology (broad terms) and the study of eclectic therapy types that should be converted to useful everyday practicality.

In Summery: Be the best therapist you can, trust yourself, trust your clients (patients) be strong and independent.

Black Friday Freedom – How Do I Get the Pay Per Click (PPC) Education I Really Need

Did you think that Facebook would overcome Google in terms of advertising. Whether it is because of Google “Slaps” where marketers are doing inappropriate things in their promotions or being ignorant of the fact that you can learn skills if you take the time to listen, there are still ways to be successful advertising online. If you think about it, newspapers are getting smaller and disappearing altogether, while more people are turning into the computer to stay up to date to whats new or working now.

If you are like the average marketer you maybe have even invested and seen no results because you are setting up your campaigns incorrectly without any vision or guidance. In reality most of us do not have the time to do this and go in blindly to setting up PPC, or pay per click. Why should you spend hours and days trying to learn something totally new right? While you are doing this continued education, you are not spending time getting the right ads driving traffic to your site of choice. Wouldn’t it be nice if someone could do the hard work for you and let you know the proper way to get your online marketing squared up.

In this economic state we live in today, we can not afford to waste money on campaigns that bring little or nothing back to us in terms of residual benefits. Imagine if there was someone out there who would do this for you when you are at your weakest moments? Imagine if they donated their time to help you become successful. These people are out there, but finding them is sometimes the trickiest. Whether you sign up to multiple forums on your topic (and leave a signature if you have the slightest business sense) and gain knowledge form the posts available or decide to invest in a traffic course, the options are plentiful online. But with certain changes and FTC guideline updates, big brother is making it harder to be successful.

Find tips where you can and share them alike. Go in with some education so you are not one of the online marketers who gives up stating the system failed them… As I frequently say, “it’s not the tool, it’s the person using it.” Do not rush through advice but seek out more so you can fine tune your work efforts to maximize your ROI, or return on investment. I am going to seek out the advice of others on Black Friday instead of fighting the crowds this year, so see how I can improve my campaigns and at the same time help out the Make a Wish foundation. How about you?

Emotional Freedom Techniques (EFT) – What Is EFT And How Can It Help You?

Emotional Freedom Techniques commonly known as EFT reduces or eliminates many emotional and physical problems, often in minutes. It has a success rate of over 80%, depending on the issue.

How does it work?

Our body’s energy system interacts with our thoughts, emotions and physical body. Since thoughts and emotions are energy they affect our body’s energy system. Thus, when our body’s energy system is out of balance it influences our overall health.

EFT rebalances this energy system by using a series of “tappings” with the fingertips on strategic points on the face and body, focusing on a specific problem and saying statements about that issue. Consequently, by restoring the balance in the energy system, the emotional and/or physical problem is reduced or eliminated.

What could you expect to release with EFT?

The list goes on and on, but I’ll name a few here:

Reduce, Release or Eliminate…

  • Addictive Cravings (food, cigarettes, alcohol, drugs)
  • Anger
  • Anxiety and Panic Attacks
  • Compulsions and Obsessions
  • Depression and Sadness
  • Emotional Traumas
  • Fears and Phobias
  • Grief and Loss
  • Guilt
  • Insomnia
  • Negative Memories
  • Nightmares
  • Pain and Symptom Management (fibromyalgia, arthritis, back & neck pain)
  • Physical Problems
  • Sexual Abuse Issues
  • Reduce Stress
  • Weight (loss, gain, anorexia, metabolism)
  • And much more….
  • Instill Positive Changes…

  • Enhance Your Self Image
  • Implement Positive Goals (success, finances, relationships)
  • Optimize Emotional Health
  • Peak Performance (sports, public speaking, performing in public, test taking)
  • And much more

Can you do EFT on your own or do you need an EFT practitioner?

Individually

You can use EFT on your own. Many have with success. It is truly easy to tap along the indicated points and find relief. Contact me via my website for more information about how to do so.

EFT Practitioner

Most of us have resistance to change, recognizing our problems, and getting to the core issues behind our problems. In addition, beliefs learned during childhood that the logical adult mind doesn’t tend to grasp inhibit the capability to work on one’s own.

In addition, there are issues that may be difficult to deal with on one’s one, for example, sexual abuse, severe emotional trauma, or phobias. In these cases, it is advisable to seek guidance from an EFT practitioner.

Thus, the benefit of working with an EFT practitioner is receiving guidance, support and access to their expertise in finding and releasing core issues rapidly and effortlessly.

Is EFT too good to be true?

My experiences, personal as well as those as an EFT practitioner, along with the testimonials of satisfied people all over the world indicate, yes, EFT is that good. EFT is one of the most amenable techniques I’ve come across. It is user friendly and highly effective. Give it a try. You’re bound to feel better.

Sports in the 1970s – Freedom and Independence

In the 1970s, specifically the year 1977, the United States of America celebrated its bicentennial – 200 years of freedom and independence. The world of sports mimicked this spree of freedom as athletes as started using their stator to earn as much money as they could, bidding amongst teams. In addition, this decade saw the rise of women athletes who sought freedom to freely participate equally with men.

Athletes began seeing how much their stator and play meant to the sporting world and how much and how many sports fans uneven balance in the perceived money coming in and what they themselves were receiving. In addition, athletes began noticing how some of their contact clauses were hindering them from this new found wealth. So, like many of Americans, they turned to the courts for assistance. And in the end, the 1970s saw the end to the contact clause that bound a play to a specific team for life which was then followed by what we now know as free agency. These steps allowed athletes talk amongst different teams and get the best deal out there in terms of monetary reward. So, the success of the athlete was judged not only on their sports ability but also on the amount of their paycheck.

Secondly, women athletes were also in this freedom hunt. 1972 saw the enactment of Title IX as part of the huge Education Amendments Act. This act required schools to provide the same level and access of sports to women as they provide to men. Prior to the enactment of Title IX, women had little access, if any, to participate in sporting activities like men did. This act led the way to not only a rise in participation and access to women in the sporting world but also to an increased women’s right movement in ass aspects of our culture.

Freedom was challenged in the Summer Olympic Games in Munich, Germany when Arab terrorist busted into the Olympic Village and kidnapped 11 members of the Israeli Olympic team. Eventually, the terrorists and athletes were killed while the athletes were attempting to be saved. The games did go on but this is another example of how the sporting world resembles what is going on in American History.

Amongst all of this, the 1970s are filled with many sports memories and great performances. Margaret Smith-court became the second woman to win the Grand Slam of Tennis; Pittsburgh Pirates outfielder Roberto Clemente had a.414 batting average, earned MVP and led the team to a World Series win; and Secretariat won the Triple Crown in horse-racing – just to name a few.

Show your passion for sports by displaying sports memorabilia in your home. You can also add sports lamps and accessories to provide that illuminating light while showing off your team spirit and loyalty.

The Fast Track to Your Financial Freedom Part 2 – Adding Velocity to Your Investments

First, I would like to thank everyone for their interest in the first part of this article – “The Fast Track to Your Financial Freedom Part 1 – Leveraging your Money”.

Now, you may now be thinking that this whole idea of leverage is great and earning $81,000 on a $20,000 investment over seven years would be terrific. The problem with this is “IT’S STILL TOO SLOW.” We can still do much better. Besides leverage, we need to add the principle of VELOCITY. Here’s how it works:

In the first year, the investor takes the $20,000 and buys the same $200,000 home as previously illustrated in The Fast Track to Financial Freedom (Part 1) – Leveraging your Money. The home still appreciates at 5% each year and the rents on the home cover the expenses of owning the homes, including the mortgage payment.

After two years, this home will be worth approximately $220,000. Instead of letting that appreciation sit and accumulate, the investor borrows it out and buys another $200,000 home. How is this possible? Quite simply, the investor puts a second mortgage on the home in an amount equal to the appreciation. The rent is raised just enough to cover the interest on this additional loan. (Most landlords raise the rent at least every two years.)

The second home also is rented out and appreciates at 5% per year. Every two years, the appreciation for each home the investor owns is borrowed out and used to buy new homes.

By doing this, at the end of seven years the investor will own eight homes with a total value of $2,020,000 and equity of $273,000. This is compared to equity of only $101,000 if the investor only bought the first home and compared to equity of $39,000 if the investor had relied on the compound interest from mutual funds. This is what we call VELOCITY. Velocity of money is simply the process of continually moving money into new and better investments.

At a net equity of $273,000 the investor has more than thirteen times their original investment in seven years. This is so much better than compound interest that most people have a difficult time believing it.

When I do this demonstration in a seminar, there is always at least one person who will not believe it is possible. At that point, I ask the audience if anyone has ever put the concepts of leverage and velocity into practice. Invariably, someone raises their hand and explains that in actual practice, it has worked much faster than what I have demonstrated, because of the very conservative nature of this demonstration.

You probably would be thrilled with this level of returns. Our clients at ProVision would be disappointed in a value of ONLY $2 million at the end of seven years from a $20,000 investment. Why? Because, this return does not factor in any of the tax benefits from investing. Tax benefits, when properly taken, CAN DOUBLE YOUR INVESTMENT. Here’s how.

Let’s go back to our example. Suppose our investor is in a combined federal and state tax bracket of 35%. Suppose also that our investor has excellent tax advisors, like those at ProVision, who understand the MAGIC OF DEPRECIATION.

Depreciation, quite simply, is a non-cash deduction each year for a portion of the purchase price of the rental real estate. This deduction will put a considerable amount of money back into the pocket of the investor.

Suppose that the investor takes the tax savings from the depreciation and uses it to purchase additional single-family homes. And just like the other homes, every two years, the investor borrows out the appreciation and buys another homes. At 10% down and 5% annual appreciation, with just the original $20,000 investment and the tax savings from depreciation, at the end of seven years, the investor will own the following:

– 16 homes with a total value of $4,200,000

– Net equity of $540,000, or roughly double the net equity of $273,000 without the tax benefits

– Annual appreciation after the seven years of $210,000 per year

– All with a single initial investment of $20,000

So let’s recap. If the investor had listened to a typical financial advisor, the investor would have invested $20,000 in a mutual fund and, with a very good market, would have $39,000 at the end of seven years. On the other hand, if the investor had used the concepts of leverage and velocity, including tax benefits, the investor would have $540,000 at the end of seven years and a portfolio worth over $4 million.

What’s amazing about the concepts of leverage and velocity is that they are not limited to real estate. They work equally well in business and in the stock market. But if these concepts are so great, why doesn’t’ the average investor use them? The answer is simply, KNOWLEDGE AND EFFORT.

There is one final factor – EFFORT. It is easy to give your money to an investment advisor and it is easy for the advisor to put the money in a mutual fund. It is not nearly as easy to gain the knowledge necessary to put the concepts of leverage and velocity to work in real estate, business or the stock market. It takes effort, both from the investor AND from the investor’s advisors.

Warmest Regards,

Tom

Which One of These Three Financial Freedom Resources Are Your Missing?

While Most people dream about financial freedom, they lack the resources to ignite a new financial freedom reality. Here are the 3 Main Resources you require in order to ignite financial freedom in your life.

Igniting Financial Freedom Resources

In order to build a financially free life there are only 2 approaches … save, save , save and invest your way there OR create a seismic shift (huge increase) in your personal income.

When you want to increase your personal income you will require a business vehicle or vehicles to monetize value added activity.

Many people launch businesses to create financial freedom resources; however, many people also fail to achieve the results they desire. When you integrate the following three components into your income explosion program, you great enhance your chances of successfully attracting substantial financial freedom resources.

Once you have chosen a business to open here are the 3 points you must master …

1) Tactical Mastery – You must learn the mechanic of your particular business. More specifically you must learn how to attract new customers via marketing. When you get started building your financial freedom resources, you must focus on this first. If you don’t know what to do, hire the talent or a consultant to direct you to the right place.

2) Personal Growth – All new business owners experience some degree of fear, and it is this fear that will impede your progress, and completely block your success. Building financial freedom resources requires that you emotionally develop; or increase your emotional IQ about business, people, and money. Personal development is the key to emotional development.

3) Financial Literacy – Understanding how to effective manage cash flow, daily operating requirements, and the financial metrics of the particular business you are in is critical. If you don’t have this experience, hire a professional like a CPA. After all your goal is to create personal financial freedom resources, not just pass money around. In order for this to happen your business must become profitable, and a competent objective “outsider”/consultant can save you much heartache and failure.

Of these three points of mastery, the highest priority for any new business is generating cash flow, and then profitability. A business that does not turn a profit does not become part of your financial freedom resource set, it becomes a drain on your asset base.

The best advise you can adhere to is to find your niche, don’t expect that you will be expert at everything; bring in the experts you need to assist you to get your idea to marketplace, and your business into cash flow. Cash flow is king in business, and personal cash flow is the most important financial freedom resource you can have.

ADHD Kids, Do You Need to Be More Careful With Their Freedom?

Just because a child has ADHD doesn’t make them “bad” kids however what it does make them is many times impulsive. Unfortunately what happens is when a decision has to be made whether right or wrong children with ADHD many times make quick choices and forget to consider the consequences of their actions until it’s too late. Many times battles at school and at home become battles because the many people do not understand the actions of children with ADHD.

Children with ADHD become overwhelmed very easily when asked to do both abstract and too many tasks at the same time. They see things as black and white with no gray areas. They struggle with organization, problem solving and impulsiveness so it’s always wise that when you are aware of an ADHD child keep in mind they may in fact have some of the mentioned problems. A child with ADHD often has trouble paying attention, inattention to details and makes careless mistakes, easily distracted, loses school supplies, forgets to turn in homework, trouble finishing class work and homework, trouble listening, trouble following multiple adult commands, blurts out answers, impatience fidgets or squirms, leaves seat and runs about or climbs excessively, seems “on the go” talks too much and has difficulty playing quietly, interrupts or intrudes on others. At home the child may show many of the same signs with the addition to some others. I see home behaviors many times increase because in the typical home most families are busy and have things to do in the evenings and weekends making it unstructured and not routine for the child. They become very overwhelmed just from the non structure.

By being aware of their weaknesses, adults can be very instrumental in diverting a problem situation before it gets out of hand allowing not only the child with ADHD to keep their dignity but allow the others to view the child with ADHD in a positive way and not always the child getting into trouble. I have seen children with ADHD get frustrated over and over again because they are trying so hard to “be good” and no matter what they feel they can’t and what we see is that eventually they just give up. When they get bad grade after bad grade when they are working and trying as hard as they can eventually the helplessness takes over and they realize they can’t do it anyway so why stress out.

Looking at the teens that are in trouble with the law, historically if we look back we can trace that most of these kids have problems that go back for years and moms report that these children were many times difficult even while in the womb.

Understanding Universal Law – Freedom Over Bondage In Your Life

The ego-based mind works hard to reinforce your fear, because only the fearful can be egotistical and hypocritical. It knows that our mind has the means to end the dream of separation by healing the split mind, ending the separation that by definition ends the ego.

We are conditioned to believe that our only way to gaining peace is through the ego, and the ego understands this. Low and behold do we ever feel a tug and a pull by not only others, but ourself, too, when we go against the grain. Do you feel me here?

The ego tells us that here, on Earth, we can find a way to stop our losses and end unhappiness and loneliness, that without the ego we can never gain. We get thrown into that vicious negative-to-positive-to-negative spiral.

Our true Home, or Heaven, has no root. A Spiritual Psychology, if you will.

We can ask to be released from the spiral and illusion of fear.

We then start to have state or national rights subjected to judiciary or violent readjustments, due to overlapping “rights” of other states or nations. The constant adjustment of these so-called controlling interests becomes a bondage, rather than freedom. It becomes disbelief in the body as who we are instead of an open mind.

How do you link yourself to this One Thought of Creation and gain spiritual freedom? By looking inside yourself and acknowledging that truth was never born and will never die; because you are truth–you are this intelligence brought forward from the unconscious to the conscious. You are you own spiritual healer.

You are one with all of eternity, the ego constantly will interfere with you consciously, and these are the entanglements that the Holy Spirit will undo. The reality of believing in the Oneness of Creation and understanding universal law as being within and not outside you, knowing this truth, gives you spiritual freedom.

Real Freedom

Any type of freedom we see as external–political, social, financial–is restricted by our contact with other individuals. These types of freedom are subject to being redefined or restricted by the limits imposed by man’s laws.

Miracles are the only method, and are accomplished through the use of ongoing change, which requires the help of time. Intolerance, pride, and selfishness are shed, and everything takes on a new, enlightened meaning, thus allowing the relative freedoms to truly be free, and enjoyed.

Miracles further prove that the miracle itself is merely the translation of denial into truth.

To begin mastering your own spiritual freedom you begin to find why only spiritual freedom is unlimited and absolute.

By understanding this, the Holy Spirit–our inner Guide and true Interpreter of what we see in this world, automatically and unwittingly brings about a readjustment of material surroundings, and we will find ourselves with everything we need, including peace.

To universal law leading you to a better life

Freedom to Say, ‘No’

Many of us are taught and rewarded, from early childhood, that saying, ‘Yes’ is right and saying, ‘No’ is wrong or generally has undesirable consequences. We learn that conceding to other’s demands allows us to avoid conflict and criticism, pleases people, earns praise, and proves that we care for the important people in our lives. Thus, many people come into adulthood as ‘self sacrificing-people pleasers’ with no concept of self-nurturing and self-importance.

The tragedy of this paradigm is that the right to say, ‘No,’ is inextricably intertwined with the ability to make choices. When we sense we are limited in our options, compelled to say, ‘Yes,’ even when doing so is not in our best interest, we are effectively robbed of our ability to choose. Moving away from the tendency to say, ‘Yes,’ when, saying, ‘No,’ is your usual response can be challenging because you fear that others will reject you for your decision. Paradoxically, the reward you can enjoy by facing this challenge is true freedom of choice, which is far more rewarding than the absence of possible conflict, criticism, or rejection.

When you are asked to take on work or do favors, consider the request carefully. If you are pressed to say, ‘Yes,’ consider whether you are saying, ‘Yes,’ out of a desire for approval or to stave off disapproval. Remind yourself often that saying, ‘No’ is as important to enhance your well-being, as it is an indication that you understand and honor your energy, talents, and time.

When you begin to express your personal power by saying, ‘No,’ you might feel compelled to explore the myriad of consequences by responding negatively to many or most of the requests put to you. ‘No’ might even become your default response for some time. When you see that life moves forward without the dire consequences you feared you will learn to be comfortable saying, ‘No’ and will begin making decisions from a point of balance.

There is nothing inherently wrong with accommodating the requests others make of you, provided these requests do not infringe upon your health, time, energy or your happiness. Keep in mind that when you believe you have the right to say, ‘No,’ you will then be able to say, “Yes’ with comfortable certainty, sincerity, and enthusiasm. Although, saying, “Yes, has its responsibilities, you can feel good about offering your agreement when your reasons for doing so are rooted in your individual values and your appreciation of the request.

Best Practices In Creating Financial Freedom

Do you ever wonder why the richest man in the planet is way too different from the rest of us? Do you question yourself why you are still struggling to have a good life while others are blasting their way to prosperity? The common belief of many individuals is to commit almost half of their lives working for somebody else and then save their salary. However, in most cases, due to endless necessities, you will be lucky enough to spare some portion of your paycheck. To become wealthy, there are times that you have to break or go beyond the usual practices. As you undertake the challenges, you will discover possibilities that will make you shine among others and pave your way to immense success.

Now is the time to cease your old routines. Stop believing that you will be rewarded with your effort and commitment to the company. You are just making them reap the revenue that you have labored for so many years.

When you study how successful individuals achieve their fortune, you will be amazed how they combine their experiences with their knowledge. They are the people who take decisions out of the ordinary. They dare to face the challenges and seize their chances from these threats. The result, they become experts in the industry and generate millions of profits.

Do not be mistaken; However, when you say defying the norms and breaking the rules. You don't have to take fraudulent or illegal steps; you just need to be smart and thoroughly understand the standards, and if it's required, try to redefine these policies or create your own based on your situation. Nonetheless, you may have to involve a great deal of money, time and effort to figure out what strategies will work best. To eliminate such troubles, you should invest in attaining financial education that is designed by experts. Through this, you will be directed to the right path with trusted and proven methods.

Among the opportunities that generate a steady cash flow are the real-estate investment and the web-based business. You can make these as your side line to get additional income, but if you will learn and master the ins and outs of the venture, you may be expecting a large passive income that might be greater than your monthly salary.

If you still trust your old money habits, now is the time to take innovative and effective methods that will bring you financial freedom.

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