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Developing
a Prosperity Consciousness Since anyone’s money, assets,
and material possessions can be lost in the proverbial twinkling of an eye,
it may be assumed that prosperity involves much more
than physical accumulations. Indeed, Universal Laws exist, that when followed
assiduously, assure the student permanent security. Through a false,
unworkable, and unjust economic system, that exists throughout the world
today, the purchasing value of money can be made to fluctuate by the
manipulations of conscienceless “money changers.” For that reason, it is
prudent that one’s financial security be predicated
upon more than the accumulation of money and physical possessions. In a
practical sense, any of our physical possessions may be replaced and still
provide us our current peace of mind so vital to our well-being. This is an
important lesson, in and of itself, as evidenced by the old adage, “You can’t
take it with you.” Yet there are many things that we can
take with us, a prosperity consciousness being one of them. Therefore,
let us work to understand how and under what conditions this can be developed. It must always be
remembered that no matter how far the journey, we must start from
where we are. Under an honest system, the
value of money is measured by the services rendered,
while wealth produced is measured through the expenditure of these services.
Money must be issued only for services already
rendered and for the resulting wealth. As a aside, we
will provide background information concerning the extent the present system
has departed from Cosmic soundness. Through this information, it is hoped that you will better appreciate the extremely
important procedure to be shown in this paper. A few hundred years ago,
before the modern-day banking institutions were created, a merchant intending
to travel to some distant place, found it impractical, if not impossible, to
carry with him the gold necessary to cover his expenses and to purchase his goods.
If he went by ship, there were the ever-present pirates to consider as well
as the equally calamitous disaster of sinking. Traveling by land involved
caravans, which were routinely preyed up by
predatory bands of robbers. However, since gold was the accepted standard
medium of exchange and acceptable in practically all parts of the world,
there was little else that he could carry with him for the exchange. In response to the rampant
sea-borne and highway robbery of the time, a system was devised to reduce a
traveler’s dependence on carrying gold or other easily carried-off items of
exchange. This involved a lot of trust in the traveler but eventually became
the standard from Europe to the Middle East. At that
time goldsmiths were common. These had established among themselves guilds or
associations to enable merchants to overcome this situation, at a profit, of
course, to the goldsmiths. The merchant would take his gold to his local
goldsmith and from him secure a receipt or letter of credit to the goldsmith
at his destination. Upon presentation of this letter or receipt at his
journey’s end, the second goldsmith would supply him with the gold in the amount of his original deposit, less the service charge.
One group that most successfully capitalized on this system was the Knights
Templars, who had the military forces to secure their system. Although having many
serious drawbacks, this system was employed for hundreds
of years. Eventually, these goldsmiths became the first bankers, having found
this letter-of-credit system as profitable—if not more so—than their regular
occupation of working with the precious metal. A less involved system was
worked out whereby the goldsmiths issued tokens of deposit
which passed as readily as our modern money. Then came the time when
their successors, now full-fledged bankers, discovered that it was possible,
with more or less safety, to issue these credit tokens in greater amounts
than they had gold on deposit, In modern phraseology, they found they did not
have to confine their lending to the actual amounts of deposit they had on
hand. Thus began the modern karmically unsound banking methods. Because most depositors use
checks almost exclusively for their transactions, rather than the actual
cash, it was discovered that for every $1000
deposited, $150 is sufficient for the comparatively small cash demands of
the average depositor. Thus the banker had available
$850 to lend. In other words, when a bank creates a loan of $1000, it need
have only $150
on hand. On the average, since only 15% cash or $128 is necessary, this
leaves $722 free to be loaned to the second
borrower. Of this amount, 15% or $108 again suffices, leaving $614 available
to be loaned to a third borrower. By continuing this ratio and procedure, not
only the $1000 cash deposit due the original depositor, but
over $5000 more is owed to the bank from its borrowers. The final
result of this dishonest system is that $5000 of the medium of
exchange has been borrowed into existence. It does not represent total wealth
produced. On the other hand, it is redeemable in wealth, thereby taking from
the national wealth something not actually and already created. This is a
violation of Universal Law in that through the use of
corrupt lending practices, something is being reaped where nothing has been
sown. The inescapable result is eventual national bankruptcy. The time will
eventually come when there will be no adequate wealth to redeem it, and
without such wealth, their so-called “money” becomes valueless. The recent
attempts to borrow ourselves into prosperity have brought us perilously close
to this condition, and a continuance of the practice can produce only one
end. It is beyond the purpose of
this lesson to enter into the lengthy discussion necessary to explain fully
the operations of the Federal Reserve System! Despite its name and their understanding
of the misinformed or ignorant borrowers, this is a private banking
organization. Through its manipulations, what are known
as Federal Reserve Notes of indebtedness are actually issued and used as
money capitalized upon no tangible assets. Is it any longer a source of wonder,
in view of such an un-sound economic system, that we should stress
importantly the return to sound Universal Law supported systems in order that
he may establish real financial security? As we have already shown, this Mind of ours is possessed of inherent possibilities
undreamed of by the average person. Properly used, it can
and will bring us happiness, peace, prosperity, health, and contentment
beyond our fondest hopes. Misused, or allowed to run rampant, it can
also bring us just the reverse of these desirable and beneficial results. God
did not intend that man should suffer. To believe, however, that an aching
molar does not exist is to separate oneself from reality. Because God did not
create misery, misfortune, disease, unhappiness, or poverty does not mean
they do not exist, and to deny the existence of such patent facts is unwise. Man
is also a creator, and it is man alone who is responsible for the creation of
the unfortunate conditions with which he finds himself surrounded. Therefore,
since we have set into operation those causes which
have brought about the ill effects we encounter, it is reasonable to state
that we can also set into operation causes which will produce the effects we
would enjoy. It may well be that the
average person enjoys a good income from his employment. However, he is still
more or less dependent upon his job. Also, his
income may be seemingly inadequate for his needs. Consider, for a moment,
that the financial situation is far from desirable. Assuredly, if this
principle will work under such circumstances, it will also operate under
better ones. A time-proven method to accomplish this is to employ, what may be called, the Prosperity Fund. The main purpose of your
Prosperity Fund is to increase confidence in your ability to attract your
needs into your life. The establishment of this Fund will keep you ever
aware of the truth that you always have money on hand. In a
real sense, you slowly, over time, change your mind into believing
you are prosperous without any startling increase in your monetary
possession. In reality, you become prosperous because you have become
prosperity minded, through the power of special dollars to act in your life. In Lemurian Economics, as
in all other great philosophical systems, “four” signifies materiality or
reality. By using the number four, or multiples thereof, you multiply the
effect of your financial pull in the ethers and consequently tighten your
hold on your material possessions by just that much. Therefore, even though
your immediate needs may be acute, the first step in this procedure is to
accumulate four dollars from services rendered over and above your regular
earnings. This system requires mathematically exactness, and any deviation
from it will not produce the desired results. Four dollars are four
dollars—not three dollars, five dollars, or even seven dollars. Starting at the beginning of a month, earn an
additional four dollars, over and above your regular income-producing
activities. Once you have it earned, set it aside until the last day of the
month. At that time transfer it to a container you
have designated specifically to hold this money. It is best if this is
something you carry with you, such as a wallet or purse. Thus, you will
always be in touch with money that is surplus to your basic needs. Even this
comparatively small amount will begin to give rise to a sense of solidity,
security, and prosperity. On the first day of the
following month, you will add to this four more dollars, making a total of eight
dollars. Should you be unable to accumulate this second four dollars during
that month, hold what you have accumulated separate from your original four
until you have accumulated it. In other words, none of the second four
dollars is to be placed with the first four until
you have the full amount. It is then to be added to
the original four on the first of the following month. Never, under any
circumstances, add to your accumulating Prosperity Fund at any time other
than on the first of the month. At the beginning of the
third month, you immediately start earning eight dollars—an amount equal to that
accumulated in your Fund. Each time you place an additional amount in your
Fund, it must be double the amount already there. These additions must always be made on the first of the month. When you have deposited this
third sum in your Fund, you will have sixteen dollars in it, and all, of
course, being carried on your person. This means that your next deposit must
be of like amount—sixteen dollars. This you will accumulate separately until
you are able to place this additional sixteen dollars in your Fund on the
first of the following month. This will, have increased your Fund to
thirty-two dollars. With this
thirty-two dollars now in your Fund, you will have accumulated the total of
sixty-four dollars. This completes the Fund, which should
be carried on your person for another thirty days. During this time you begin again by earning four dollars. At the end
of the month, you will deposit sixty dollars of your Fund, entering this
amount in your ledger as an addition to your reserve. On the first of the month,
add to the original four, which you have kept and will always keep in the
Fund, this new four dollars. Repeat the procedure until you have again
accumulated the full sixty-four dollars. When depositing sixty dollars of
this, again be sure you keep the original four. This
four dollars positively must not be spent. Normally, the accumulation of
the first sixty-four dollars should require five months. If you are unable to
do this, do not let it discourage you for many are unable to do so. However,
five months is the minimum time in which it can be
accomplished. This procedure should be repeated
until you are able to accumulate the full sixty-four dollars in four months.
Since you always start with the original four from your first Fund, the
minimum time for subsequent accumulations will have been
reduced one month. After you are able to save
your sixty-four dollar Fund in the minimum time, you may or may not continue
it as you prefer. By the time your financial
condition has improved so that you can save the Fund in the minimum time, it
will have served its purpose as far as your prosperity consciousness is
concerned. Many, however, have found this such an excellent method of
increasing their reserve that they like to keep on doing it. Do not make the mistake of
thinking you can hasten the development of a Prosperity Consciousness by
simply setting aside the entire sixty-four dollars right away, or any amount
other than the original four as stated. Deposits in your Fund of any but the
stated amounts at the proper intervals will cause you to fail in attaining
your objective. Follow this seemingly simple system meticulously and
precisely for it is the most powerful method of developing a Prosperity
Consciousness ever discovered. |
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