Capital [W]ith great respect and love, I welcome you with all my heart. As a modern yogi who believes and practices the middle way, let me share with you my thoughts regarding health and wealth which to me is interchangeable and interdependent.

Have you started within this year new ventures in areas of health, finances, self-development, careers, relationships, spirituality, business, hobbies, or any other creative endeavours? Have you made an inventory list of people to contact with your new endeavours? Do these people share the same vision and goals you have in life? Are these people positive or negative (misguided) sponsors? Do these people offer information that have possibilities to help yourself and other people? Do these people have qualifications and company that will back them up to show their legitimacy and credibility? Do these people walk their talk (are they role models)? Are you choosy about people you associate with? Do these people you associate with have any negative addictions or unconstructive habits? Are you in control of your life or is somebody (or something) controlling you? Are you always learning or open to new mindset? Do you believe in a Higher Power that will connect you with people that can help you with your problems? Do you believe that there is only ONE Consciousness with wisdom and power where everyone's consciousness is connected to and that we all share? Do you believe that there are living saints among us that are conduits of Higher Power's loving energy? Do you believe that everyone is a living soul, a child of God and is divine? Do you believe that if there is a will, there is a way? Do you believe that you don't have to have a university degree to succeed financially?

The above guidelines are my personal guidelines and beliefs I have practiced up to now. Because the quality of your questions and beliefs will determine the quality of life you have today and the future, it is of utmost importance to question everything constuctively nowadays and also to know yourself and believe in yourself. In a spiritual sense there is a saying that what (and who) you ask is what you receive, and that what you believe is what you become.

Most of the people I know are so unhappy with their situation in life that they never question their beliefs or never find positive ways or paths because of self-intoxicating thoughts or never find the right kind of people with positive beliefs and values to educate or help them about their problems. Most of them gave up finding the right people to help them because of their negative experiences from most of the people they have dealt with in the past regarding their health or financial problems. Fortunately, we have the right people with positive beliefs and values now to help or educate them in matters of health and finances. In reality, health is wealth and vise versa, as my mother used to say.

In matters of career choices, have you given any thoughtful consideration in choosing information technology (computers) related careers such as computer programming/analysis, networking or modern office business skills as an option among the highly demanding career options? The fact is that there is a shortage now and in the coming future for information technology professionals in BC, North America. If you are bored or hated your job, information technology profession is a very creative and rewarding profession to get into. There are always options in life and also careers!

In matters of health, this website is full of research materials which I'm sharing freely to help people with chronic degenerative diseases and addictions deal with their health challenges through natural and alternative medicine that has been recently recognized by the National Institutes of Health (NIH) Office of Alternative Medicine (OAM) especially in areas of Chinese Medicine last month. .

In matters of financial education and opportunities which most people are not aware of, there is Primerica Financial Services which is unadvertised in the media right now but are accessible through word of mouth. Because this company's advertizing regulations are very strict right now due to their policies, I cannot say very much about them except give you their web site address which you can click here.You can also contact me if you have any inquiries.

In matters of building both health and wealth at the same time, I would like to share with you a health product which is the best in terms of effectiveness and its residual income opportunities that is uncomparable with other products in the market today. If you want to experience a big difference, click here to inquire about this product.

To leave this year with hope and faith, let me quote the Prayer of St. Francis of Assisi, my modified prayer I combined with Meditation on Twin Hearts to heal ourselves and our planet earth.

Dear Lord, make me an instrument of peace
where there is hate, let me sow love
injury, pardon
discord, unity
despair, hope
doubt, faith
error, truth
sadness, joy
darkness, light

Divine Master, grant that I might not so much seek
to be consoled, as to console
to be understood, as to understand
to be loved, as to love
for it is in giving that we receive
it is in pardoning that we are pardoned and
it is in dying of this ego and recognizing the divine consciousness within us
that we are born to eternal life.

I hope that what I just shared with you be of help to your health and financial struggles in this world of hard knocks.

Om shanti shanti shanti (Om. Peace! Peace! Peace!)

Prepared by Ricardo B. Serrano, November 26, 1997, Updated February 28, 1999
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