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In the giving back to the Spirit Source of what we earn, the attitude of ‘me, what about me?’ goes away.
— John-Roger, DSS

Tuesday, April 14, 2009

At Ease

Tithing is a way of saying, “God, pour forth whatever blessing You have for me.”

God is health, or lack of disease.

God is always at ease, always present, always now, and is constantly creating and expanding.


(From God Is Your Partner by John-Roger, DSS)

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My favorite joke of all time is about three Jews boasting about their rabbis. One claims his rabbi is so devout and fearful of the Lord he trembles night and day, and has to be strapped to the bed so that he doesn't fall out.

The second claims his rabbi is so holy and close to God that God trembles and is afraid of displeasing the rabbi.

The third says his rabbi went through both those stages. First the rabbi used to tremble, then it got to the point where God trembled. But then the rabbi thought it over and said to God, "Look, why should we both tremble?"

I think of that joke when I read J-R's profound quote above. If "God is always at ease, always present, always now," why should I tremble? Why don't I jump on the bandwagon and be at ease?

In fact, I think I will. Now.

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Here is one of the reasons I think that the economic recovery is going to take a long time. Financial Quote-of-the-Day from columnist and financial commentator Stephen Roach:

Put it together and it all smacks of a dangerous sense of déjà vu: promoting a false recovery by kick-starting overextended, saving-short American consumers to borrow once again by leveraging their major asset.

Fortunately, the American consumer is smarter than the quick-fix Washington mindset. Shell-shocked families -- especially some 77 million baby boomers for whom retirement planning is an urgent imperative -- know they have no choice other than to save.

Posted by Paul Kaye at 12:13 AM
Keywords: Endless supply, God, Humor, Joyful giving, Tithing
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Thursday, February 26, 2009

Tithing and Consciousness

I am realizing that the act of tithing is 100% consciousness. Most people focus on the money, but it has nothing to do with that. God doesn't need the money (we are tithing to God with MSIA as the receptacle) and as we are seeing, more and more each day, money is something that can be created out of thin air and is thus illusory.

What does matter is what is inside of us. Essentially we are accountable to ourselves. We know, at a deep level, what we are doing. We can fool others but we cannot fool ourselves. That is why attitude is the key to giving.

We give joyfully and unconditionally to the Source of our spiritual teachings. This is a vast inner statement to our inner being. It seems to me that it resonates throughout our inner universe and in the outer universe, too. It is transcendent in nature, rising above materiality into true wealth. That's why it is a sacred act.

Posted by Paul Kaye at 9:55 PM
Keywords: Tithing
Comments [3] | Leave Your Comment

Monday, February 16, 2009

In the Midst of the Meltdown 2


What is the work that you’re here to do? The most immediate thing in front of you, and there are two choices: either live under the law of karma or live under God’s grace of loving. You can have your choice. And the grace of God did not say for one minute that you won’t have any pain. It just said you can live in the Spirit while you walk through this world.

--John-Roger, DSS

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I have been to many poor countries over the years and also those that were in the midst of a financial crisis, and one thing always struck me—people were getting by. So, we will get by.

Then what does this all mean? To me it has more to do with a change in expectations than in reality. If you are living your life according to a set of spiritually based principles and values, then the probability is that you will sail through this period of time. For those who do have not a set of solid principles the likelihood is that they will flounder until they find solid ground by acquiring a set of their own meaningful values.

When we are secure in our principles and values it is then important that we be open to Grace. If you have been tithing and seeding joyfully and unconditionally, the doors are wide open for you to receive and to participate in a life filled with miracles.

Posted by Paul Kaye at 7:32 PM
Keywords: Grace, Joyful giving, Seeding, Tithing, Values
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Thursday, February 12, 2009

When one person becomes free of materiality, it’s like an infection going the other way. Instead of greed affecting honest people, honest people start affecting the greedy. You let go and give to God, joyfully and unconditionally. With people who say, 'I don’t have enough to tithe,' I say, 'Don’t tithe,' because their feelings of lack are telling them that they’re going to need it. And with that attitude, they won’t have enough anyway. Because they’re hanging on, God can’t supply them with more. They’re holding on to it, scared to death about letting go of it. However, if they let go, they can rise to new heights inside themselves and get freer.

(From God Is Your Partner by John-Roger, DSS)

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Apparently your body language reveals wealth. Interesting article from Live Science.

Posted by Paul Kaye at 2:52 PM
Keywords: Tithing
Comments [0] | Leave Your Comment

Thursday, February 5, 2009

Tithing as Service

Judith Johnson, an MSIAer from New York and author of the The Wedding Ceremony Planner, was asked to write an article on Tithing as Service by a magazine. I liked what she wrote a lot and big thanks to Judith for giving permission for me to post it here.

Tithing As Service by Judith Johnson

For over twenty-five years now, I have been contemplating a statement John-Roger said – “If you want to know God, you tithe.” I was too smart to tithe at first, seeing it as a scam. As the years passed by, I listened to others extol the virtues of tithing and judged them fools. Then, I heard something John Morton said that moved me into participation. It had to do with acknowledging God as the source of all the blessings in our lives, and doing the polite thing – saying “thank you.” I came to see paying ten percent of my income to the source of my spiritual learning as not only polite, but reasonable. After all, I pay my literary agent fifteen percent!

It took me over fifteen years to overcome all my objections to tithing. They were mostly fears. How could I tithe when I didn’t have enough to pay my bills? Why couldn’t I just say “thank you” to God in words? Why did I have to give God money? God didn’t need my money – if God is the source, then surely God has plenty of money and doesn’t need mine.

In time, I discovered that this process of acknowledging and addressing my fears was a priceless gift I was giving myself. I was being of service to myself by creating a relationship of trust with God. I shone the light of God into those dark places of fear inside of me and the bogeyman disappeared. I built trust by not feeding my fears. I fed my faith instead. I surrendered my devotion to the god of money and placed my trust in God.

For over ten years now, I have been a faithful tither. I no longer fear that I won’t have enough money. Instead, I live with the peace of knowing that I have more than enough. My faith has morphed into an openness to God’s bounty, a grateful claiming of my worthiness and willingness to have my physical, financial, emotional, and spiritual needs met, and a willingness to live in a loving and trusting partnership with God in the co-creation of my life. John Morton explains tithing like this: “The purpose of this level is the bridging of the Spirit into the human form. Tithing is part of that bridging. I claim my connection when I give back to God, the Source. In recognition and acknowledgement of that connection, I give. And in giving, I grow spiritually.”

Giving my ten percent serves me by keeping the door of my heart open as I build trust in God’s love and bounty. It is an expression of my gratitude for all the forms of health, wealth and happiness I enjoy in my life. My tithing serves others, not only by example, but by providing financial support to the spiritual institution that has been the primary stimulant of my spiritual growth. I am now a joyful giver and I can only hope that those served through my contributions may be as blessed as I have been through the mere act of tithing. John-Roger was right – “If you want to know God, you tithe.” And that is a return on investment that money can’t buy.

Posted by Paul Kaye at 4:02 PM
Keywords: Tithing
Comments [2] | Leave Your Comment

Wednesday, February 4, 2009

Cats and Cool

God is intention. When you tithe you make God your abundant focus. God’s intention is in that focus, so God will know right whereto find you.

(From God Is Your Partner by John-Roger, DSS)

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If you have money to invest and you are confused as to the best place to put it, you are not alone. Richard Russell of Dow Theory Letters gives as good a summary below as I have seen:

So what's the answer to the current unprecedented situation? What should you and I do?

Don't be married to any specific scenario. Anything may happen in response to the current situation.

The best survival plan is to be diversified. Nobody knows who or what will be "the last investment standing." Will it be Treasury paper, high-grade bonds, real estate, diamonds, T-bills, cash, top-grade corporate stocks or gold?

T-bills are the choice of many sophisticated investors. But T-bills are denominated in dollars, and dollars are vulnerable as are bonds or any other items denominated in Federal Reserve notes ("dollars").

Real estate and diamonds represent intrinsic wealth, although they are not instantly liquid, meaning that they cannot be instantly turned into cash.

Gold has been accepted as wealth for thousands of years. When all other forms of supposed wealth crashes (deflates) or becomes suspect, the last wealth asset to stand will be gold. Gold has no counter-party nor has it any debt aligned against it. Gold needs no central bank to ensure its acceptance. Gold is accepted everywhere and in any quantity as a form of indestructible, eternal wealth.

Gold's problem is that it must compete with the fiat paper that is manufactured by the world's central bankers. Gold is the bankers' enemy. Nevertheless, for survival purposes, it makes sense for every investor or family to own at least a small (10% of assets) position in gold. Remember, you don't own gold in the hope of a potential profit, you own gold as a store of wealth -- as a safe haven asset.

Today, investment money is so suspicious of the viability of any given asset that they are placing their money in an item that bears the full faith and credit of the US government -- I'm referring to Treasury paper. The shortest-maturity is the 91-day T-Bill, yielding literally nothing. Yet if one places one's money in a T-bill, it is thought that this is as safe a place for storing wealth as you will find. Actually, one major worry with T-bills is a possible collapse of the dollar.


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My own point of view regarding the above is to not try and be an investment genius. Just do your best to preserve your hard earned money without risking it unnecessarily. The biggest losses I have seen people make were those where they tried making high returns. Of course, some succeed. But the real "successes" were the financiers/money managers who just took their percentages off the top regardless if the investment did well.

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I love Tim Price of PFP Wealth Management. Here are excerpts from his latest newsletter where he writes an open letter to the Western banking establishment. It's hilarious and scathing.

I would also be grateful if the strategists and economists who work for you could abstain from publishing their unsolicited opinions about resolving the banking crisis within the financial media. I am sure you will agree that hearing from the same strategists who worked for the architects of such widespread financial destruction is likely to irritate those of us who were not actually complicit in the extraordinary and venal credit boom of the last several decades. There is an expression that if you're not part of the solution, you're part of the problem. Those of your employees who were the public face of the problem are, I think you will agree, unlikely to represent the solution, unless perhaps they are fired - en masse, from a giant howitzer, into an area where they can do no further harm. Alaska, perhaps. I would further suggest that the high profile commentators who work for you and who have implicitly played their part in marketing and then amplifying this catastrophe might consider quietly entering another field with superior ethics and enhanced value to society at large: perhaps as piano players in brothels.

Perhaps you, like I, find it richly ironic that members of the public still use your investment subsidiaries as a means to protect and grow their private wealth. I think you should promote the activities of these subsidiaries more widely. My idea for an advertising slogan: “When it comes to moral hazard, we’re Number One. We helped trigger the biggest financial and economic collapse in history through our imprudent lending and investment. Between 18 million and 30 million jobs throughout the world are almost certain to be lost. And more than 50 million jobs throughout the world are now in jeopardy. As a result of our investment expertise, we’ve lost billions, and those of us that still exist and aren’t owned by the taxpayer are technically insolvent. Now, how can we help you with your finances ?”


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Regarding the last point above I have been reading Barron's roundtable of experts as they make their financial predictions the coming year. They are twelve of the most erudite financial minds you are like to find gathered in one place with the most astute observations. Then you read how they did last year and find that they ALL lost gobs of money--most over 50% and some 80%.

My point is don't be ashamed of feeling ignorant. No one really has a handle on our current situation. Just do your best and follow the spiritual principles of abundance and prosperity.

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And if you are a cat lover then forget about all the financial woes and look at these superb photos. (Thanks to Betsy for this).

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When I first mentioned frugal living I got feedback that this was "poverty consciousness." Well, in yesterday's Financial Times I found this:

Toyota, the world’s largest carmaker concluded recently that in the US “frugalism is the new cool.” according to Bob Carter, brand head in the country.

It feels good to be cool.

Posted by Paul Kaye at 2:55 PM
Keywords: Frugal Living, Money, Success, The Economy, Tithing
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Tuesday, February 3, 2009

Revisiting Trust

Tithing should be one of the most joyful things you can do—to give to a Source that is reflective of your own Source.

Your own Source then knows and understands the vessel by which it is going to give and receive in the world, and it will magnify the glory of your own countenance.

Do you want to miss that?


(From God Is Your Partner by John-Roger)

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From The New York Times today:

The American tax system depends heavily on voluntary compliance. It would send a terrible message to the public if we ignore the failure of yet another high-level nominee to comply with the tax laws.

I must say I am shaking my head. Three Obama appointees have now been shown have not paid their taxes. Three. These are the creme de la creme of our politicians and they cheat, knowingly. Fortunately, two have backed down but we are still left with a crooked Treasury Secretary who is being entrusted with trillions of dollars of taxpayer's money.

This is not a political statement but one of revisiting trust, and values. As we have discussed in the past the only thing about trust that makes sense is what J-R has said: "Trust people to do what they are going to do." Clearly the era of placing our trust in politicians, bankers, and financial wizards is over.

That comes back to trusting ourselves. Keeping our word with ourselves. In short, being honest. And if honesty is one of our values, then we will live accordingly. I do believe in the saying that you can't cheat an honest man.

Then there is our trust in the Divine/God/Spirit/Beloved. We tithe as a demonstration of that trust. We give to God, our Source, first. It's a very big statement that we are making to God and to ourselves.

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Apart from Loving Each Day my favorite email each day is Word of the Day.

Today's word is:

defalcate verb:
to steal or misuse money or property entrusted to one's care

I don't think I need to say any more about that.

Posted by Paul Kaye at 1:53 PM
Keywords: Tithing, Trust, Values
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Monday, February 2, 2009

Flying High

Tithing is something you give unconditionally, and once you let go, it’s like cutting the string of a kite. It’s gone.

But this kite flies high and eventually reaches God's attention, and in God's attention all the goodness that you want will start coming your way, like health and wealth and happiness and more good things than I could ever imagine to tell you.


(from God Is Your Partner by John-Roger, DSS)

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When you follow the spiritual principles of abundance and prosperity there is much cause for optimism, as the above quote shows. You walk blessed among humankind. It’s a wonderful thing.

And of course we must always keep our eyes open and live a practical life. As we face an economy and a world that has changed and will continue to change, I find my primary anchor point (my security) with the Beloved. I also find security in my values. They have been an enormous source of strength and they guide my actions both in the way I conduct my life and in my spending habits.

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I agree with Tim Price below that we have all been complicit in what has taken place.

From Tim Price, published by PFP Wealth Management:

"Banks have done more injury to the religion, morality, tranquility, prosperity and even wealth of the nation, than they ever will do good.”

--US President John Adams, 1799.

"It is well enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning."

--Henry Ford.

The scale of the banking crisis is so huge, and the dislocating damage wrought across all financial assets so extensive, it challenges language and thought just to try and articulate it. But one response has been almost universal: having been monumentally cheated, we demand an apology. Yet answer comes there none.

The lack of contrition may have something to do with the breadth and diffusion of the guilt. Since a housing and credit bubble also requires the willing participation of a greedy and credulous public, there are really few people who emerge entirely untainted from the wreckage. By and large, we are all complicit. What matters is how we reach resolution.


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This is interesting because so many people are predicting the demise of the dollar.

From Stratfor:

Underlining all aspects of the recession will be a single, undeniable fact. The dollarization of the global economy that began so torrentially in 2008 will reach a fever pitch in 2009 as a variety of investors — private, government, American and foreign — pour their resources into the American market. They will do this first to escape the volatility that resides elsewhere in the world, and later to ride the U.S. recovery out of the recession.

Posted by Paul Kaye at 5:54 PM
Keywords: The Economy, Tithing, Values
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Sunday, February 1, 2009

Always at Ease

Tithing is a way of saying, “God, pour forth whatever blessing You have for me.” God is health, or lack of disease. God is always at ease, always present, always now, and is constantly creating and expanding.

(From God Is Your Partner by John-Roger, DSS)

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I love the above quote and have used it before but I don't get tired of reading it. For me it is a kind of road map. If I want to be with God, and I do, then a contracted, tense state doesn't get me there.

The map shows me that being present, and being at ease with whatever is going on, starts to get me in attunement with the Divine, along with a creative and expansive approach to my inner and outer life.

It's very comforting as it is always available to me. No need for me to be a victim, I can choose into it at any moment.

Posted by Paul Kaye at 4:30 PM
Keywords: God, Tithing
Comments [1] | Leave Your Comment

Friday, January 30, 2009

Read, And Then We'll Talk

The true Joyful Givers can ask God from their heart to send healing to the world. They have the contact with Spirit, for these are the ones who are amassing themselves on God’s side through tithing as a demonstration.

(From God Is Your Partner by John-Roger, DSS)

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A must read article from Thomas Sowell of The Washington Times on the stimulus program. Excerpt:

Spending money for infrastructure is another time-consuming way of dealing with what is called an immediate crisis. Infrastructure takes forever to plan, debate and go through all sorts of hearings and adjudications, before getting approval to build from all the regulatory agencies involved.

Out of $355 billion newly appropriated, the Congressional Budget Office estimates only $26 billion will be spent this fiscal year and only $110 billion by the end of 2010.

Using long, drawn-out processes to put money into circulation to meet an emergency is like mailing a letter to the fire department to tell them that your house is on fire.


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Here is more sobering reading from top opinion writer at the New York Times, David Brooks.

Excerpt:

Throughout 2008, Larry Summers, the Harvard economist, built the case for a big but surgical stimulus package. Summers warned that a “poorly provided fiscal stimulus can have worse side effects than the disease that is to be cured.” So his proposal had three clear guidelines.

First, the stimulus should be timely. The money should go out “almost immediately.” Second, it should be targeted. It should help low- and middle-income people. Third, it should be temporary. Stimulus measures should not raise the deficits “beyond a short horizon of a year or at most two.”

Summers was proposing bold action, but his concept came with safeguards: focus on the task at hand, prevent the usual Washington splurge and limit long-term fiscal damage.

Now Barack Obama is president, and Summers has become a top economic adviser. Yet the stimulus approach that has emerged on Capitol Hill abandoned the Summers parameters.

In a fateful decision, Democratic leaders merged the temporary stimulus measure with their permanent domestic agenda — including big increases for Pell Grants, alternative energy subsidies and health and entitlement spending. The resulting package is part temporary and part permanent, part timely and part untimely, part targeted and part untargeted.

But they’ve created a sprawling, undisciplined smorgasbord, which has spun off a series of unintended consequences. First, by trying to do everything all it once, the bill does nothing well. The money spent on long-term domestic programs means there may not be enough to jolt the economy now (about $290 billion in spending is pushed off into 2011 and later). The money spent on stimulus, meanwhile, means there’s not enough to truly reform domestic programs like health technology, schools and infrastructure. The measure mostly pumps more money into old arrangements.


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PK: More on this over the weekend. I think you know where I am going with this.

Posted by Paul Kaye at 9:19 PM
Keywords: Money, The Economy, Tithing
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Tuesday, December 9, 2008

Where Shall I Put My Money?

Tithing is about placing God first in your life. Being a joyful giver is a great part of loving the Lord with your body, mind, and Soul.

(From God Is Your Partner by John-Roger, DSS)

I have been speaking about tithing for almost 25 years. From the outset, I have maintained that tithing is the best investment of money that anyone could make. It has been very gratifying to see people embrace tithing wholeheartedly and reap the multifold and multi-level blessings that come with joyful giving and having God as a Partner. It certainly takes the stress and the struggle out of life. Yes, you really can relax when God is truly your Partner. If you can’t relax with God taking care of you, when can you relax? We’ll talk more about that tomorrow.

So you give to God through tithing, you keep a money magnet, you seed, you Grace Tithe—where do you put what’s left over?

First, this is from The Economist (12/6/08):

Where have all your Savings gone?

Investors may draw the wrong lesson from history. For American and European savers it has been a lost decade. After two booms and two busts, stock markets have earned them nothing, or less, in the past ten years. Low interest rates have made bonds and bank deposits unrewarding too. Were it not for the tax relief they receive, contributors to personal pension plans would have been better off keeping their money under their mattresses. It will be little consolation to Westerners that savers in Japan have known this empty feeling for far longer.

This year's figures are enough to put anybody off saving. American mutual-fund assets have declined by $2.4 trillion - a fifth of their value - since the start of 2008; in Britain, the drop is more than a quarter, or almost 195 billion. The value of global stock markets has shrunk by maybe $30 trillion, or roughly half. These figures put the losses on credit-related securities - where the financial crisis began - into the shade.

Nor has the bad news been confined to equities. This year the value of all manner of risky investments, from corporate bonds to commodities to hedge funds, has been clobbered. The belief that diversification into "alternative assets" could prevent investors losing money in bear markets has proved false. And of course housing, which many people counted on for their retirement nest-eggs, has lost value too.

As a result, saving seems like pouring money into a black hole. Any American who has diligently put $100 a month into a domestic equity mutual fund for the past ten years will find his pot worth less that he put into it; a European who did the same has lost a quarter of him money.


William Gross at Pimco, one of the more respected financial managers and advisors, has this to say:

My transgenerational stock market outlook is this: stocks are cheap when valued within the context of a financed-based economy once dominated by leverage, cheap financing, and even lower corporate tax rates. That world, however, is in our past not our future. More regulation, lower leverage, higher taxes, and a lack of entrepreneurial testosterone are what we must get used to – that and a government checkbook that allows for healing, but crowds the private sector into an awkward and less productive corner. Dow 5,000? We don't have to go there if current domestic and global policies are focused on asset price support and eventual recapitalization of lending institutions. But 14,000 is a stretch as well. One only has to recognize that roughly 20% of bank capital is now owned by the U.S. government and that a near proportionate share of profits will flow in that direction as well. Better to own corporate bonds than corporate stocks, but that's a story for another Investment Outlook.

And this is from Richard Russell revered 80 year-old advisor who has been writing the Dow Theory Letters for 50 years:

The question most asked by subscribers is --"What should I do with my money?" This is the single toughest question of the day. A year ago the answer might have been "try to slip it in with the Harvard endowment fund; they're making a bloody fortune with their unorthodox mix of investment." Wait, that didn't work. Harvard with their crack team of money managers lost 22% or $8 billion in the first four months of the fiscal year. Now they're trying to sell some of their illiquid exotic investments.

OK, how about putting some of your cash with the world's smartest investor, "The Omaha Oracle," good old Warren Buffett. Good thing you didn't. Berkshire Hathaway closed at $147,000 on September 15. Yesterday Berkshire closed at $92,823, down 36%. Oh well.

I guess maybe the best thing to do is buy 3-year T-notes and maybe some shares of ED. That's Consolidated Edison (ED) that yields 6% and raises its dividend every year. I also like Southern Company (SO) which pays 4.74% in dividends.

Frankly, it's just not easy to know what to do with money today. Maybe buy a bargain piece of real estate (and there are bargains out there). Then if everything else goes to hell, at least you'll own a real, tangible asset. If you own your real estate free and clear, you've got something solid and tangible. The dollar can collapse and be worth zip, but that house you bought will still be standing (unless there's a fat mortgage on it).

How about some AAA-rated muni bonds from your own state? (And make them General Obligation Bonds) Can your state go belly up? You can always put all your spare cash in a foreign currency, but that can be risky too.

If your money resources are thin, you can buy a CD and maybe receive upwards of 4% on your money. Of course, that's not very much, and then we still have to deal with inflation.

In all the above, I still haven't answered the question, where do we put our money? To tell you the truth, I haven't come up with the ultimate answer. Be diversified. Cash, physical gold, be ready to buy a few assorted stocks if the Averages better their preceding peaks.


So there you have it. Bottomline—no one really knows. But it is good to keep yourself as informed as you can. Still, if you kept your money magnet in gold or in cash, it should be intact.

Posted by Paul Kaye at 4:17 PM
Keywords: Money, Money Magnet, Tithing
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Friday, November 7, 2008

The Best Financial Decision You Will Ever Make

We can help to break the greed pattern by tithing, giving 10 percent of our personal wealth. When we tithe, two levels are activated—a level here in this world and, at the same time, a mystical, invisible level. The mystical is a communication saying, “You are abundant and handle abundance well, so here’s some more.” The other level, in this world, is when we look at our abundance and contribute joyfully through tithing. We are actually cheerful about it. This action sets up a countenance that is a form of glory in the human being, and that glory attracts more abundance.

John-Roger, DSS (From: God Is Your Partner)

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This blog is based on the principles, purpose, values, and practices of abundance and prosperity, and health, wealth, and happiness.

So what is our primary principle? Giving. Joyful giving. Because giving opens the space that allows us to receive. Just as our breathing out allows us to receive in our next breath.

Yet, between breathing out and breathing in, there is a pause--a brief moment of rest. Just as our heart beats for 11 hours and rests for 13 hours, so rest is built into the mechanism of our breath. When we give there is a pause between us receiving. We allow for that space, that emptiness, and if we listen and follow closely undoubtedly we will find that it is filled with loving.

In the same way, when we give of materiality, money, and we give joyfully, we pause and allow the loving to fill our being. We give because it is necessary in order to live. We give because it feels good. And we give because it is God’s plan for us. The foundation of our giving is the way that was laid down thousands of years ago, spiritually, for our enrichment—10 percent of our increase.

If that is too much for you, start with 1 per cent and as you gain trust, in yourself and God, build up to 10 percent.

When I first speaking about this around 25 years ago, I said that speaking as an accountant (as I was back then) giving to God in this way was the best insurance, the best investment, and the best financial decision anyone can make. It is as true for me now as it was then. The difference being that I have validated it further, through my personal experience, in those 25 years.

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Quote of the Day from Seth, who once again nails it:>

The Sad Lie of Mediocrity

Doing 4% less does not get you 4% less.

Doing 4% less may very well get you 95% less.

That's because almost good enough gets you nowhere. No sales, no votes, no customers. The sad lie of mediocrity is the mistaken belief that partial effort yields partial results. In fact, the results are usually totally out of proportion to the incremental effort.

Big organizations have the most trouble with this, because they don't notice the correlation. It's hidden by their momentum and layers of bureaucracy. So a mediocre phone rep or a mediocre chef may not appear to be doing as much damage as they actually are.


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Frugal Living Tip of the Day:

By using less expensive but equally effective ingredients found around the home, you can prepare effective substitute cleaning products.
Sodium bicarbonate, or baking soda is an excellent material that can be mixed with water to remove tar, bug juice, tree sap, bird droppings and other organic material that can etch into the car’s paint. Commercial products can cost between $10.00 and $40.00 per container.

For stains on the interior surfaces of your car, try a solution of vinegar and water applied with a tooth brush. Turtle Wax Spray Cleaner costs about $7.00 a can; vinegar is about $1.79 a pint.


(From Cleverdude.com)

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Zen Moment of the Day

A student at Tassajara sat facing Suzuki Roshi on a tatami mat in his room. The student said he couldn’t stop snacking in the kitchen and asked what he should do.

Suzuki reached under his table. “Here, have some jelly beans.” he said.

(From: To Shine One Corner of the World: Moments with Shunryu Suzuki)

Posted by Paul Kaye at 9:27 PM
Keywords: Frugal Living, Joyful giving, Tithing, Values
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Monday, October 27, 2008

Measuring Our Wealth


Tithing is a way of saying, “God, pour forth whatever blessing You have for me.” God is health, or lack of disease. God is always at ease, always present, always now, and is constantly creating and expanding.

(From: God Is Your Partner by John-Roger, DSS)

I love to measure things. My breakfast alone consists of about a dozen carefully measured ingredients. So it’s natural that I would want to find a measure for wealth. If I look to dollars to measure my wealth, I might as well pack up my marbles and go home now—the volume just isn’t there at this point in my life.

Still, I feel extremely abundant and wealthy. So how do I measure it? Happiness is difficult to measure and seems to fluctuate too wildly to be reliable. But one thing is a constant in my life and it is what I use to measure my wealth--my blessings. I can truly count my blessings, and when I do I am wealthy beyond measure.

Money has its place in our world and must be handled responsibly, but it is not something I look to for wealth. Perhaps you can start to count your blessings, even write them down and see how wealthy you are. It also immediately puts the times we are living into the correct perspective.

The true harvest of my life is intangible -
a little star dust caught,
a portion of the rainbow I have clutched.


--Henry David Thoreau (Thanks to Lisa Boone’s Heart-thoughts for this one)

And in that vein here is the Smile/Zen Moment of the Day:

I shall never forget the picture of him saying his prayers on a bare ledge just beyond the cabin, looking toward the west. He went out each evening alone after supper, and I can see his black silhouette kneeling there. If ever a man exuded a sense of wholeness, it was he. He knelt for a long time, part of the North he had become, of many expeditions by canoe, snowshoe, and dog team, of the bitter cold and near starvation, but also of the serenity that comes when one knows he has given all and asked for nothing.

Serenity comes from wholeness, and one finds it in strange places. Once in a large city, while I was riding a subway, a woman took a seat just opposite mine. She was neither young nor old, but for some reason the profile of her face struck me, and it was not until she turned and smiled briefly that I saw the serenity in her eyes. I wanted to talk to her but did not dare, and although this happened many years ago, I have never forgotten the look on her countenance. She got off shortly and I watched her go with regret, but her serenity left itself with me. What gave her a sense of peace and wholeness I shall never know.


Sigurd. F. Olson from Reflections from The North Country


Still no one knows. Financial Quote of the Day from Floyd Norris, the chief financial correspondent of The New York Times. And if he doesn’t know....

Now we have hedge funds, which have accumulated, without regulation or disclosure to anyone, huge positions with high leverage. The rumors say they are being forced to dump, further depressing prices. Are the rumors true? Who knows? How much more selling do they have to make? Another good question.

Posted by Paul Kaye at 7:26 PM
Keywords: Fullness, Gratitude, Money, Simplicity, Tithing
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Sunday, October 26, 2008

Lovely Stuff

In case you missed it, Nathalie shared this great comment in yesterday’s post:

I had a sharing with John Morton about 14 years ago. I told John that I could not afford to tithe. He answered "pay god first". He then said that everything would change for me. Miracles happened within a year or two I was given a car and a new apartment. The greatest blessing however was the inner feeling of abundance that has stayed with me. I always tithe first, before paying my bills and its always 10 percent.

Speaking of comments, it is an essential part of blogging. Your input is so valuable and it is very easy to comment. Just go to the bottom of any post and click on where it says “Leave Your Comment” and fill in the brief form. As you share your experience all of our knowledge grows.

I’d posted about the magic of percentages the other day and today, at the Ministers Meeting in Los Angeles, I shared that percentages can work for or against us. They work for us tremendously over time when we compound. For example $5,000 invested each year at 10% with the interest being added in yields a tremendous amount at the end of 20 years. Where they don’t work for us in when we are paying the interest instead of receiving it.

The National Debt is an example of compounding in reverse, and boy is it exploding upwards! More relevant for each of us is the interest rate on our credit cards. I mention this because in the last month I have heard of two examples of credit card companies raising their interest rates for no reason and without warning. It really pays to watch and look at your bills and statements.

Finally, if you are into saving money these days, a few of these 1,019 Different Ways to Save Money may be very useful to you.

Posted by Paul Kaye at 6:01 PM
Keywords: Frugal Living, Money, Tithing
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Saturday, October 25, 2008

Antidote to the times

Some people say, “I don’t have enough money to meet my bills, let alone tithe.” That may be very true, and it may be like that all their life because they do not have God as their partner.

(From God Is Your Partner by John-Roger, DSS)


“We have to learn how to breathe, center, come back to ourselves and really begin to not be seduced by fear or worry. Even with my patients who are under financial stress I suggest tithing, even a little bit, to create that positive energy of abundance going so that people don’t get into hoarding, being frightened, or a small mentality. For emotional freedom the idea is to rise above any emotion and try to be bigger than it is, even in the face of very realistic problems such as the economy. I have never seen anything like this (present crisis) before with my patients or in the world.”

Judith Orloff, Assistant Clinical Professor of Psychiatry at UCLA


Smile/Zen of the Day:

Too lazy to be ambitious,
I let the world take care of itself.
Ten days’ worth of rice in my bag;
a bundle of twigs by the fireplace.
Why chatter about delusion and enlightenment?
Listening to the night rain on my roof,
I sit comfortably, with both legs stretched out.


Ryokan (1758–1831)

Posted by Paul Kaye at 9:42 PM
Keywords: Tithing
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Thursday, October 2, 2008

Getting Ready (Part One)

The Soul will evolve and grow, even in the most adverse situations. I've evolved more in adversity than I ever did out of blissful love.

(From Forgiveness, The Key to the Kingdom by John-Roger, DSS) And thanks to Lisa Boone’s Daily Heart-Thought LISA BOONE moonbeamboone@yahoo.com

Everything has its season, and every season prepares for the next. Looking on a winter landscape, everything appears dead, yet more is going on. Winter is a resting point, a time of inner transformation. As author Edna O’Brien puts it, “In a way winter is the real spring, the time when the inner things happen, the resurge of nature.”

We as humans have our cycles, too. Many years ago J-R suggested we follow and track our Biorhythms, our emotional, mental, and physical cycles, as a way of understanding ourselves. I have found looking at seven-year cycles very helpful. If you look at your life at 7 years-old, 14, 21, 28, etc., you will undoubtedly notice that these were times of major change in your life. We need not feel ourselves a victim to the cycles of change anymore than nature would see itself as a victim of winter.

Economies too have their cycles from an expansionary phases to recessionary ones. A recession is a temporary period of economic contraction, where trade and industrial activity are reduced and consequently higher unemployment arises. It looks like that we are coming upon the recessionary phase. Some would say we have been in it for a few months.

That means we need to get through this period as best we can and prepare for the next expansionary phase. Warren Buffett, arguably one of the greatest financial minds ever, thinks this recession is going to be “long and deep.” What does that mean for the dedicated followers of this blog? The answer is at two levels, the inner and the outer.

The inner says there is no lack, and there is endless supply. We continue to tithe and acknowledge God as our supply. Above all we don’t enter into fear or panic. We remain open and grateful seeing opportunity everywhere, and seeding for those opportunities that resonate for us.

One of the most gratifying things for me has been reading your comments and seeing what a source of strength tithing is for you in these times. In addition, we always have our Traveler inspiration to fall back on. “If you want to know God, you tithe.” John-Roger said that. “I tithe, therefore I know God.” John Morton said that. I don’t think it gets more specific and clearer than that.

The outer says we need to use our common sense. We have all the spiritual support we need, now we need to apply our 10 percent level responsibility in a conscious and wise way.

More tomorrow.

Posted by Paul Kaye at 3:50 PM
Keywords: Endless supply, Money, Tithing
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Monday, September 1, 2008

A Tithing Sharing

When you tithe to MSIA, you tithe in that new energy flow under the Christ. That means when you tithe out of your goodness and gratitude, there is going to be a lot of grace coming your way. John-Roger, DSS (From: God Is Your Partner)

While we are formulating our seed, I thought we could have a break and take in a short but lovely sharing that I received this week from someone in MSIA who tithes.

“I have been tithing for ten years. I started with a small amount and I worked my way up to 10%. I am always reminded how vital tithing is to me when I decide not to tithe. Recently, I thought about using my tithing money for something else and I started to miss tithing. I changed my mind and tithed as usual. I never thought I would miss tithing, but I did and it showed me how much peace of mind tithing gives me.” C.M.

Thank you for that.

Posted by Paul Kaye at 7:56 PM
Keywords: Tithing
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Monday, July 14, 2008

Unconditional...What a Concept?

“And the reason all this works is that you let go and give to God, joyfully and unconditionally.” — Dr. John-Roger, DSS

I have long been fascinated with the idea of being unconditional. And in my recent book with John-Roger, The Rest of Your Life: Finding Repose in the Beloved, I covered it as extensively as I could.

Needless to say I find it to be a difficult state to get into, mainly because I allow myself to consistently have high expectations and thus consistently be disappointed. You'd think I'd learn, but I don't. However, the one thing I have learned from the process is to laugh at my folly.

Nonetheless, the one area that I find I can live the unconditionality is in the giving of the tithe. I really do give unconditionally and that makes the giving such a pleasure and such an expansive process. It takes place simply because, inside of me, I am giving to God. And really, what I am giving was never really mine anyway. Hmmm....maybe I can apply that idea to other areas of my life.

Here are some of my favorite John-Roger quotes on unconditionality:

"Freedom from stress, insecurity, and anxiety, lies in loving yourself and accepting yourself unconditionally."

"You can be everything you want to be as soon as you unconditionally become unconditional."

"it is the unconditionality of life that must be lived"


Posted by Paul Kaye at 5:23 PM
Keywords: Joyful giving, Tithing, Unconditional
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Sunday, July 13, 2008

Keeping it Clear

“Tithing is a spiritual law. You give of the first fruits; you give first to God in thanks for all that comes to you. When you do this without seeking any return, but openly in gratitude for what you have received, you keep yourself under God's law, or grace, rather than the law of the negative realms. It is one way of keeping your eyes on the Lord.” —  John-Roger, DSS

In chatting with long-term tither Peter Sanderson today about my favorite subject, I found myself once again reflecting on the sacredness of the act of tithing. Although the physical action is to give the money to MSIA, the metaphysical (spiritual) action is that we are giving to God--directly.

To me, giving to God directly, as an inner action matched by an outer one, has a profoundness that is beyond words. It brought me back to my earlier post (7/5) on J-R's quote, "If you want to know God, you tithe." That to me means when we commit to tithe, we don't mess around. We keep that connection as clear as we can and thereby relax in God's grace.

Posted by Paul Kaye at 10:14 PM
Keywords: Tithing
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Friday, July 11, 2008

The Arc of a Tither

In GPTV Episode 11, John Morton reads a letter from a tither. I am reproducing the letter here from Alethea Lamb in Northern California, because it so perfectly describes many people's process in such an articulate way.

“I've been tithing and seeding for nearly two years now, and keeping a money magnet for about a year. Over the past few months however, due to some unexpected expenditures and tightness with my funds, I lowered my tithe to 1%, and on one month didn't tithe at all. I recently got laid off from my job, and have been even more concerned about how I will be able to 'afford' to tithe. After re-reading 'God is Your Partner', I not only realised that I can't afford not to tithe, but also became aware of the many many blessings and miracles that have been present in my life since I began tithing, that I hadn't necessarily equated at the time with tithing. I think the biggest thing that has happened has been a change in my conciousness. I somehow feel lifted, taken care of, and not concerned or all that attached to money when I am tithing. Things seem to flow, I always have enough, and I feel continuously blessed. I am so happy to be reconnected to my faith and to have God as my Partner. It feels very joyous to be tithing and seeding, and I will continue to tithe the full 10%, as this feels right to me, and like it is the magic number!”

Feel free to share your stories. I am thrilled to have this interactive forum to share and record them.

Posted by Paul Kaye at 2:19 PM
Keywords: Sharings, Tithing
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