Croz Worry Free Island

Dr Richard Teo’s Look back at life

croz — Tue, 27 Nov 2012 16:02:23 +0000

Below is the transcript of the talk of Dr. Richard Teo, who is a 40-year-old millionaire and cosmetic surgeon with a stage-4 lung cancer but selflessly came to share with the D1 class his life experience on 19-Jan-2012. He has just passed away few days ago on 18 October 2012.

Hi good morning to all of you. My voice is a bit hoarse, so please bear with me. I thought I’ll just introduce myself. My name is Richard, I’m a medical doctor. And I thought I’ll just share some thoughts of my life. It’s my pleasure to be invited by prof. Hopefully, it can get you thinking about how… as you pursue this.. embarking on your training to become dental surgeons, to think about other things as well.

Since young, I am a typical product of today’s society. Relatively successful product that society requires.. From young, I came from a below average family. I was told by the media… and people around me that happiness is about success. And that success is about being wealthy. With this mind-set, I’ve always be extremely competitive, since I was young.

Not only do I need to go to the top school, I need to have success in all fields. Uniform groups, track, everything. I needed to get trophies, needed to be successful, I needed to have colours award, national colours award, everything. So I was highly competitive since young. I went on to medical school, graduated as a doctor. Some of you may know that within the medical faculty, ophthalmology is one of the most highly sought after specialities. So I went after that as well. I was given a traineeship in ophthalmology, I was also given a research scholarship by NUS to develop lasers to treat the eye.

So in the process, I was given 2 patents, one for the medical devices, and another for the lasers. And you know what, all this academic achievements did not bring me any wealth. So once I completed my bond with MOH, I decided that this is taking too long, the training in eye surgery is just taking too long. And there’s lots of money to be made in the private sector. If you’re aware, in the last few years, there is this rise in aesthetic medicine. Tons of money to be made there. So I decided, well, enough of staying in institution, it’s time to leave. So I quit my training halfway and I went on to set up my aesthetic clinic… in town, together with a day surgery centre.

You know the irony is that people do not make heroes out average GP (general practitioner), family physicians. They don’t. They make heroes out of people who are rich and famous. People who are not happy to pay $20 to see a GP, the same person have no qualms paying ten thousand dollars for a liposuction, 15 thousand dollars for a breast augmentation, and so on and so forth. So it’s a no brainer isn’t? Why do you want to be a gp? Become an aesthetic physician. So instead of healing the sick and ill, I decided that I’ll become a glorified beautician. So, business was good, very good. It started off with waiting of one week, then became 3weeks, then one month, then 2 months, then 3 months. I was overwhelmed; there were just too many patients. Vanities are fantastic business. I employed one doctor, the second doctor, the 3rd doctor, the 4th doctor. And within the 1st year, we’re already raking in millions. Just the 1st year. But never is enough because I was so obsessed with it. I started to expand into Indonesia to get all the rich Indonesian tai-tais who wouldn’t blink an eye to have a procedure done. So life was really good.

So what do I do with the spare cash. How do I spend my weekends? Typically, I’ll have car club gatherings. I take out my track car, with spare cash I got myself a track car. We have car club gatherings. We’ll go up to Sepang in Malaysia. We’ll go for car racing. And it was my life. With other spare cash, what do i do? I get myself a Ferrari. At that time, the 458 wasn’t out, it’s just a spider convertible, 430. This is a friend of mine, a schoolmate who is a forex trader, a banker. So he got a red one, he was wanting all along a red one, I was getting the silver one.

So what do I do after getting a car? It’s time to buy a house, to build our own bungalows. So we go around looking for a land to build our own bungalows, we went around hunting. So how do i live my life? Well, we all think we have to mix around with the rich and famous. This is one of the Miss Universe. So we hang around with the beautiful, rich and famous. This by the way is an internet founder. So this is how we spend our lives, with dining and all the restaurants and Michelin Chefs you know.

So I reach a point in life that I got everything for my life. I was at the pinnacle of my career and all. That’s me one year ago in the gym and I thought I was like, having everything under control and reaching the pinnacle.

Well, I was wrong. I didn’t have everything under control. About last year March, I started to develop backache in the middle of nowhere. I thought maybe it was all the heavy squats I was doing. So I went to SGH, saw my classmate to do an MRI, to make sure it’s not a slipped disc or anything. And that evening, he called me up and said that we found bone marrow replacement in your spine. I said, sorry what does that mean? I mean I know what it means, but I couldn’t accept that. I was like “Are you serious?” I was still running around going to the gym you know. But we had more scans the next day, PET scans – positrons emission scans, they found that actually I have stage 4 terminal lung cancer. I was like “Whoa where did that come from?” It has already spread to the brain, the spine, the liver and the adrenals. And you know one moment I was there, totally thinking that I have everything under control, thinking that I’ve reached the pinnacle of my life. But the next moment, I have just lost it.

This is a CT scan of the lungs itself. If you look at it, every single dot there is a tumour. We call this miliaries tumour. And in fact, I have tens of thousands of them in the lungs. So, I was told that even with chemotherapy, that I’ll have about 3-4months at most. Did my life come crushing on, of course it did, who wouldn’t? I went into depression, of course, severe depression and I thought I had everything.

See the irony is that all these things that I have, the success, the trophies, my cars, my house and all. I thought that brought me happiness. But i was feeling really down, having severe depression. Having all these thoughts of my possessions, they brought me no joy. The thought of… You know, I can hug my Ferrari to sleep, no… No, it is not going to happen. It brought not a single comfort during my last ten months. And I thought they were, but they were not true happiness. But it wasn’t. What really brought me joy in the last ten months was interaction with people, my loved ones, friends, people who genuinely care about me, they laugh and cry with me, and they are able to identify the pain and suffering I was going through. That brought joy to me, happiness. None of the things I have, all the possessions, and I thought those were supposed to bring me happiness. But it didn’t, because if it did, I would have felt happy think about it, when I was feeling most down..

You know the classical Chinese New Year that is coming up. In the past, what do I do? Well, I will usually drive my flashy car to do my rounds, visit my relatives, to show it off to my friends. And I thought that was joy, you know. I thought that was really joy. But do you really think that my relatives and friends, whom some of them have difficulty trying to make ends meet, that will truly share the joy with me? Seeing me driving my flashy car and showing off to them? No, no way. They won’t be sharing joy with me. They were having problems trying to make ends meet, taking public transport. In fact i think, what I have done is more like you know, making them envious, jealous of all I have. In fact, sometimes even hatred.

Those are what we call objects of envy. I have them, I show them off to them and I feel it can fill my own pride and ego. That didn’t bring any joy to these people, to my friends and relatives, and I thought they were real joy.

Well, let me just share another story with you. You know when I was about your age, I stayed in king Edward VII hall. I had this friend whom I thought was strange. Her name is Jennifer, we’re still good friends. And as I walk along the path, she would, if she sees a snail, she would actually pick up the snail and put it along the grass patch. I was like why do you need to do that? Why dirty your hands? It’s just a snail. The truth is she could feel for the snail. The thought of being crushed to death is real to her, but to me it’s just a snail. If you can’t get out of the pathway of humans then you deserve to be crushed, it’s part of evolution isn’t it? What an irony isn’t it?

There I was being trained as a doctor, to be compassionate, to be able to empathise; but I couldn’t. As a house officer, I graduated from medical school, posted to the oncology department at NUH. And, every day, every other day I witness death in the cancer department. When I see how they suffered, I see all the pain they went through. I see all the morphine they have to press every few minutes just to relieve their pain. I see them struggling with their oxygen breathing their last breath and all. But it was just a job. When I went to clinic every day, to the wards every day, take blood, give the medication but was the patient real to me? They weren’t real to me. It was just a job, I do it, I get out of the ward, I can’t wait to get home, I do my own stuff.

Was the pain, was the suffering the patients went through real? No. Of course I know all the medical terms to describe how they feel, all the suffering they went through. But in truth, I did not know how they feel, not until I became a patient. It is until now; I truly understand how they feel. And, if you ask me, would I have been a very different doctor if I were to re-live my life now, I can tell you yes I will. Because I truly understand how the patients feel now. And sometimes, you have to learn it the hard way.

Even as you start just your first year, and you embark this journey to become dental surgeons, let me just challenge you on two fronts.

Inevitably, all of you here will start to go into private practice. You will start to accumulate wealth. I can guarantee you. Just doing an implant can bring you thousands of dollars, it’s fantastic money. And actually there is nothing wrong with being successful, with being rich or wealthy, absolutely nothing wrong. The only trouble is that a lot of us like myself couldn’t handle it.

Why do I say that? Because when I start to accumulate, the more I have, the more I want. The more I wanted, the more obsessed I became. Like what I showed you earlier on, all I can was basically to get more possessions, to reach the pinnacle of what society did to us, of what society wants us to be. I became so obsessed that nothing else really mattered to me. Patients were just a source of income, and I tried to squeeze every single cent out of these patients.

A lot of times we forget, whom we are supposed to be serving. We become so lost that we serve nobody else but just ourselves. That was what happened to me. Whether it is in the medical, the dental fraternity, I can tell you, right now in the private practice, sometimes we just advise patients on treatment that is not indicated. Grey areas. And even though it is not necessary, we kind of advocate it. Even at this point, I know who are my friends and who genuinely cared for me and who are the ones who try to make money out of me by selling me “hope”. We kind of lose our moral compass along the way. Because we just want to make money.

Worse, I can tell you, over the last few years, we bad mouth our fellow colleagues, our fellow competitors in the industry. We have no qualms about it. So if we can put them down to give ourselves an advantage, we do it. And that’s what happening right now, medical, dental everywhere. My challenge to you is not to lose that moral compass. I learnt it the hard way, I hope you don’t ever have to do it.

Secondly, a lot of us will start to get numb to our patients as we start to practise. Whether is it government hospitals, private practice, I can tell you when I was in the hospital, with stacks of patient folders, I can’t wait to get rid of those folders as soon as possible; I can’t wait to get patients out of my consultation room as soon as possible because there is just so many, and that’s a reality. Because it becomes a job, a very routine job. And this is just part of it. Do I truly know how the patient feels back then? No, I don’t. The fears and anxiety and all, do I truly understand what they are going through? I don’t, not until when this happens to me and I think that is one of the biggest flaws in our system.

We’re being trained to be healthcare providers, professional, and all and yet we don’t know how exactly they feel. I’m not asking you to get involved emotionally, I don’t think that is professional but do we actually make a real effort to understand their pain and all? Most of us won’t, alright, I can assure you. So don’t lose it, my challenge to you is to always be able to put yourself in your patient’s shoes.

Because the pain, the anxiety, the fear are very real even though it’s not real to you, it’s real to them. So don’t lose it and you know, right now I’m in the midst of my 5th cycle of my chemotherapy. I can tell you it’s a terrible feeling. Chemotherapy is one of those things that you don’t wish even your enemies to go through because it’s just suffering, lousy feeling, throwing out, you don’t even know if you can retain your meals or not. Terrible feeling! And even with whatever little energy now I have, I try to reach out to other cancer patients because I truly understand what pain and suffering is like. But it’s kind of little too late and too little.

You guys have a bright future ahead of you with all the resource and energy, so I’m going to challenge you to go beyond your immediate patients. To understand that there are people out there who are truly in pain, truly in hardship. Don’t get the idea that only poor people suffer. It is not true. A lot of these poor people do not have much in the first place, they are easily contented. for all you know they are happier than you and me but there are out there, people who are suffering mentally, physically, hardship, emotionally, financially and so on and so forth, and they are real. We choose to ignore them or we just don’t want to know that they exist.

So do think about it alright, even as you go on to become professionals and dental surgeons and all. That you can reach out to these people who are in need. Whatever you do can make a large difference to them. I’m now at the receiving end so I know how it feels, someone who genuinely care for you, encourage and all. It makes a lot of difference to me. That’s what happens after treatment. I had a treatment recently, but I’ll leave this for another day. A lot of things happened along the way, that’s why I am still able to talk to you today.

I’ll just end of with this quote here, it’s from this book called Tuesdays with Morris, and some of you may have read it. Everyone knows that they are going to die; every one of us knows that. The truth is, none of us believe it because if we did, we will do things differently. When I faced death, when I had to, I stripped myself off all stuff totally and I focused only on what is essential. The irony is that a lot of times, only when we learn how to die then we learn how to live. I know it sounds very morbid for this morning but it’s the truth, this is what I’m going through.

Don’t let society tell you how to live. Don’t let the media tell you what you’re supposed to do. Those things happened to me. And I led this life thinking that these are going to bring me happiness. I hope that you will think about it and decide for yourself how you want to live your own life. Not according to what other people tell you to do, and you have to decide whether you want to serve yourself, whether you are going to make a difference in somebody else’s life. Because true happiness doesn’t come from serving yourself. I thought it was but it didn’t turn out that way. With that I thank you.

NOW!!!

croz — Sun, 18 Nov 2012 16:32:53 +0000

Why do many people leave making the decision to change, until they have no choice? This inevitably puts extra pressure on creating a goal or vision, because that goal is being borne out of desperation and not out of desire.

Thoughts from Worry Free Island:

The universe always responds to your core thoughts and beliefs, and pretending that you have faith and belief will not wash.

As Wally says in SOGR the hardest thing you have to do is to believe the truth rather than appearances.

The Universe has never let you down, just think about it, if you think it is going to be a shit day, guess what?

The Universe picks up on your thoughts and feelings and even when you are worried about what MIGHT happen it responds to your fear, and gives you more of that. The funny thing is that what you were worried about possibly happening, very rarely happens.

So as you can see, the control you have via the Universe is ALL IN THE NOW.

The Universe just deals in NOW, so stop trying to use it to make things better in the future, use it to make things change NOW, and that will have the desired effect on the future.

The path you tread is in your control and provided you know where you are going, and have faith and belief in achieving it, NOTHING can stop you, only YOU.

TV Teaser for SOGR show in Thailand

croz — Thu, 11 Oct 2012 09:56:45 +0000

This is the show we have been working on for over a year now.

Faith

croz — Tue, 07 Aug 2012 08:38:17 +0000

Are you a dreamer?

Success Formula

croz — Tue, 07 Aug 2012 08:31:56 +0000

Pictorial inspiration.

The Thinking Substance.

croz — Thu, 19 Jul 2012 06:07:58 +0000

One of the most asked questions and something that has not been really clear to me over many years is, “What is the thinking substance, and how does it work.”

I have always answered with, Oh that is just the Universal power, and left it at that, knowing that we are told not to question how things are going to happen, and to just have faith and belief, that they will happen.

This has been OK, but I always thought that if we could just get a handle on how the ‘thinking substance’ worked in some sort of graphical way, it would make it so much easier to utilise its power.

I recently read some articles by a contemporary of Wallace Wattles named Thomas Troward, and intertwined in these articles were little snippets that started to clarify exactly what the thinking substance is, and how once we know that, we can harness it and direct the power into the areas that we need. It also clarified how when not directed correctly, it amplifies our bad situations enormously.

Firstly we must appreciate that the Universe (Thinking Substance) can only work through us, so every time it does not deliver, it is a result of us not having used the power correctly. When we learn how to align the power, we can achieve maximum results.

I will elaborate on this later, but for now just realise that we are a distribution centre for the power, a little like an electricity sub station, and we have total control over where we distribute that power. For now understand that the distribution of the power is governed by our deep seated DOMINANT thought, yes the one we pretend we do not have when we say that we really desire something, and have faith and belief in receiving it.

It is extraordinary that we experience the results of our fears and limiting beliefs every time we allow our dominant thought to override a desire, yet given all this proof, we do not allow ourselves to re direct the power to achieve something we really want. That is human nature, to ignore all the evidence we have that actually proves something works, and let our limited knowledge convince us that we are correct, and in effect put coal on the fire just to prove we are right.

Whether we continually create what we do not want, or occasionally create what we do want, we are always creating our dominant thoughts, and this is conclusive proof that we are a creating centre, and if we can learn how to control and correctly distribute this power, we have cracked it.

If you think really deeply and recall situations in your life, you will definitely find that things followed a certain pattern, when you were happy, things just kept getting better, and likewise when you were miserable things just kept getting worse. That is UNTIL, you changed your thoughts. Think for a moment and take this in, when you change your thoughts, you change every thing, and the results are almost instantaneous.

We will of course here have the discussion about you thinking things and them not happening, but, I can assure you that the power will react to your dominant thought. Unfortunately that thought may be well hidden and you do not realise that it is coming from past programming, or a limiting belief, so in effect you are only ever achieving or receiving things and events that you believe you can, and once you realise that when you learn how to direct this thinking substance, you can virtually have anything you desire, things really start to change.

Most people want things to work the wrong way around, they say “ I will be happy, when so and so happens,” but unfortunately, we cannot create from a condition to a state of mind, that is before we can create the condition, we have to know that it will actually make us happy. So we have to be happy in advance about the condition we want to create. You must feel the effects of the condition in advance, as your feelings are one of your greatest assets in the creation of what you want.

If you are having trouble with the concept of enjoying and feeling something that has not yet happened, just think about how you feel once you have booked a holiday. Although it is in the future, you fantasise and imagine enjoying yourself, and create a good feeling about the holiday. Why oh why then do we find it so hard to enjoy something we are trying to create, we always tend to fill our vision with problems and fears, and as explained earlier, that is where our dominant thought is placed.

Once we are sure about what we are trying to create and our vision is crystal clear, we must do all we can to assist the creation. These actions will become clear as you move towards your goal. Please do not try and force things, just relax and allow things to unfold, but remain relaxed and flexible, secure in the knowledge that your goal or vision will appear in line with your dominant thoughts.

Our original programme and our natural condition is to grow and become the best we can be, unfortunately, we will have some hurdles to get over, because we have been reprogrammed throughout our lives by people and events, and sometimes that programming is more about control than growth.

Taking action and allowing things to happen is one of the most important things we can do to assist the power to create our goal. Many very well intentioned people become shipwrecked here because they expect things to just happen without any effort. Once you express the thought, and allow the power to move through you, you must be ready to expand your awareness, and as each limiting belief is overcome, the future looks totally different. The reason is that you do not have to factor in that limiting belief any more, and consequently you are in a new place of awareness.

It would be a good place to try and explain a little more about the thinking substance, the Universe, the Power, or whatever your beliefs and understandings decide to call it.

The start of any creation has its birth in a thought, and if you follow anything back to source you will find that it did in fact start with a thought. Once we establish that, we can then assume that our universe must have started with a thought, and in the absence of any physical proof we must also assume that in creating the planets a thought was actually the creator. It is difficult initially to comprehend this, because we always think of a human thought, and that I think is why certain religions create physical images to make the original thought easier to understand. If it comes from human form that gives us a picture to relate to, and it is then easier to understand the concept of the original thought.

The same power that is available to us, is the same power that energises all natural things. Plants are programmed to be the best plant they can be, and use all the power to this end, they do not question or create reasons not to do something. Animals, insects, fish and every other form of life uses 100% of the power to live without question. Unfortunately us humans were given a brain that felt the need to control and manipulate things.

When we arrive as a child, we have the same programme as any other living thing, and at that time we have no problem imagining obtaining great things. We also follow our natural growth programme and just do things in line with that programme, things start to go wrong when we get information from various places, that fly in the face of our natural programme. We are given instructions and information that is used to control us. Most of this information is delivered in good faith, by people who have our best interests at heart. As we grow we get more and more restricting information, and bigger bodies of people feed us more information with the sole purpose to control us and restrict our faith in our ability.

This is how urban myths are born. In an effort to restrict and control us the government perpetuate stories about things that cannot be legislated against effectively so they tell of cases where people have been punished for doing things that are not actually illegal. A classic example of this is selling cars from home in Australia. The urban myth is that you cannot sell more than two cars a year from your home, otherwise you can get prosecuted for unlicensed dealing. The truth is that there is no law against deciding that you did not like a car and decided to sell it, and doing this numerous times is not unlicensed dealing. We are restricted by a fear that has no grounding in truth. In many situations it is fear of something that has no basis that stops us doing things.

One thing to understand here is that fear is usually a state of mind created in our imagination, using all the information programmed into us throughout our lives, that was placed there with the express purpose of controlling us. It is safe to say then that if we can eliminate fear about the uncertainties of the future, we are a long way towards being able to give the correct signals to the power, in creating our future. It is these unfounded fears that lie beneath our desires, but because they are actually our true beliefs at this time, they have the ability to direct the power in that direction, and our fears more often than not become a self fulfilling prophecy. How many times have you said you cannot do something and been proved right? Yet in later years have found that what you could not do then, is now second nature.

Once you can eliminate fear in your decision making, great things start to happen.

I believe that all living things receive 100% of the power 24/7 and it is how each thing decides to use it that creates the results. Plants and other living things are not given the power of debate and reason, and therefore they can just accept the power and use it to its fullest extent all the time.

A plant is just programmed to be the very best plant it can be, and subject to receiving correct growing situations, it will flourish and become the best plant it can be every time. If a plant is deprived of water it withers and does every thing it can to grow despite its circumstances. If it then receives water, it immediately carries on trying to be the best plant it can be, it does not consider whether it is worth going on, in case the same thing happens again, or thinking it is too hard to get back on track. No it is programmed, and all it needs at anytime is the power flowing through it with no questions asked, it accepts that there will be situations where it may have to be flexible, and just keeps following its programme.

Humans are at a distinct disadvantage on so many levels to appreciate and get full benefit from the Universe, because as mentioned earlier, we have the power of debate and reason, and although these powers have been responsible for some amazing things in the life of the world, they are the exact things that stop us doing things in line with our natural inbuilt desire to grow and expand.

So everything is receiving 100% of the power all the time, and human beings get such varied results, Why? As mentioned earlier, we are a distribution centre very similar to an electricity sub station, and we have total control as to where the power is distributed. Unfortunately until we understand what is happening, we get all the wrong results, and in many cases the results are the exact opposite to what we want or desire, because we are fuelling our dominant thoughts and beliefs, and they in many cases are not what we actually think we are thinking about.

When we look deeply into this concept of the dominant thought and belief, we can find so much evidence in support of these principles, that it should be encouraging to realise that all you have to do, is to learn how to direct the power in a way that is going to give you the results you want. It is important that you do not get fooled in the future, to believing that things are not working, simply because you have not checked what your true dominant thoughts and beliefs are.

This graphic explanation of the power being distributed by our thoughts to the areas of greatest concentration and belief, has made it easier for me to check when things maybe not happening exactly as I want them to be. There is ALWAYS a limiting belief, doubt or a decision made on incorrect information taken on in the past. I hope that this helps you in your journey to a successful future.

If you would like to use the Thinking Substance in your life, find out how in the Worry Free Life online course. Take advantage of the discount code. Just enter the discount code for a saving of $100 off the full price. discount code is worryfreelifenow This course has been getting rave reviews and changing peoples lives. If you have ever been confused or needed more information on how to utilise the teachings in The Science Of Getting Rich, then this course is a must.

Let me take all the risks, and if for any reason you do not think it is for you, just let me know and you will receive your MONEY BACK in full no questions asked.

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Are You Rich

croz — Tue, 19 Jun 2012 02:13:13 +0000

Let’s try and establish once and for all what rich is, and why it is so important to your success.

When we talk about the worlds truly wealthy people, our minds cannot resonating with being that wealthy, because the odds of us standing alongside them is hundreds of millions to one, even armed with all the best mindset and wealth creation advice ever written.

The spectrum of wealth is so broad that it confuses us, and we do not really know now what to think about wealth and the people with vast amounts of money.

Steve Jobs reportedly left $7billion, but if he was trying to be the richest man in the world, he had a long way to go, and may have been a bit disappointed with his efforts.

It is also worth noting that these huge sums of wealth are subject to fluctuation with world events, stock market movements, and also just plain bad business decisions, and that is why at the very top, the positions change on a weekly basis.

So taking away the very top positions in global wealth, where do you think would be a good place to pitch your vision of wealth? Would you be more HAPPY with $1billion or $4billion. Or could you make do with maybe as little as $20 million? It’s a tough call, but I just know that if it is true happiness you are after, these figures do not mean a thing.

It is a funny thing, but because of the ability for individuals to amass enough money to wipe out some countries national debt, it makes things easier for you, because the line of where rich kicks in, is well and truly blurred.

What we need to do now is establish what rich really is. My personal definition is, ‘To be able to do what you want to do, when you want to do it, and have enough TIME and MONEY to allow you to do it.’ Now the two main things that allow you to follow this definition, are TIME and MONEY. Ask any really wealthy person which one of these two things they are short of.

I spend a lot of time travelling and on those travels I enjoy the company of some very wealthy individuals, and all of them have their own issues. So please do not ever look at wealth as some sort of protection against the normal adversity’s of life, it isn’t, and sometimes the very fact of having vast amounts of money, creates its own problems.

OK so having established that there is no point in setting out trying to compete with the already wealthy, what is the answer? Well my thoughts are simplicity itself. You ask yourself what you want, and what would make you happy, not what you think, will make others think, that you are happy. Wealth is all about you and your relationship with it.

A good question to ask is would you rather have wealth and the life you have to suffer to accumulate real wealth, or would you rather just lead a Worry Free Life and have enough money to make it comfortable.

Once you make this choice it will relax you enormously, because it takes away the added pressures.

Whatever anyone tries to tell you, there are lots of sacrifices that need to be made to accumulate serious wealth, so decide now what you really want. Here is a clue, most people really do just want to experience a life that allows them to live well and do things along the way that are considered treats. If that sounds like you, then the ‘Worry Free Life’ online course is made for you.

Because I always bring wealth back to a lifestyle, many people try and imply that it is a cop out and my systems and teachings are no good to obtain real wealth. I have to answer by saying that I can only advise what I know to be true. I have had a roller coaster life and I would not change any of it. The bottom line is Val and I have been good contributors to charity and we have also financed young people to start their own businesses. We have recovered from some major setbacks and have been associated with some very wealthy people along the way. At this point in time, our lives are set so that we can travel when we want, we can do what we want, and we have the time and money to do it. If that lifestyle appeals to you then I can help. I am the richest person I know.

If you want to be a corporate high flyer and sacrifice certain parts of your life to achieve mega wealth, then I cannot help you. I was not willing to make the sacrifices for myself, so I am sure as hell not going to do it for you. The messages and teachings that I have can take you wherever you want to go, but I like to deliver a Worry Free Life and create wealth for you to use for the good of everyone. If you find that as a result of following the teachings, you do want to use them to create mega wealth that must be your decision. I have a funny feeling though that a Worry Free Lifestyle maybe just what you are looking for.

At this point I think it maybe prudent to tell you that it is not going to be a walk in the park, and these teachings have no magical powers to protect you from the normal ups and downs of life, they do however prepare you for them, and give you ways to deal with these situations

As with anything that you have to learn, it is the commitment and practice that achieves the results, and if you are prepared to put in the time, and trust the teachings, on faith initially, you cannot fail.

Why not take the pressure off yourself, and create your very own custom designed Worry Free Life?

Imagine learning how to create situations that have alluded you for years

Imagine being creative and not competitive.

Imagine having time for your family and taking them on the journey with you.

Imagine being financially sound, so that the bills that used to send you ducking for cover, can be settled immediately.

Imagine moving to a house that you only ever daydreamed about.

Imagine feeling relaxed and at peace with yourself.

Finally imagine feeling that you are actually living the life that you always knew you should, but never thought you could.

The Container Of Wealth

croz — Sat, 02 Jun 2012 03:29:09 +0000

The Water Container.

So often over the years I have said that money is really important to living a full life, and then qualified things by saying that many people can spoil their life by keep amassing money at the expense of enjoying their life.

Rich is a relevant perception, to who is asking the question. Someone with nothing will think that maybe a $1000 can be regarded as rich, and then someone else will feel that rich will mean having the most money.

I think that joining the game of trying to get the most is a sad state, and I have met and interviewed some seriously wealthy people, and most of them say that if given their time again, they would ease up and really start doing the things they want to do at a point that they now know is ample wealth.

Whatever way we look at money, a surplus of it is of absolutely no use to you, and if you cannot find it in you to give it towards helping others, then it becomes stagnant.

This is one of the hardest things to get clear when changing your mindset, because lots of people just think of a huge amount of money, and think that obtaining this will make you a different person and allow you to enjoy yourself and live a fulfilled life.

It could be worth then looking at the richest woman in the world as of today. Gina Reinhart the mining Baroness is worth almost $30 billion, and is embroiled in a family dispute over her money. One must then ask the question, has the extraordinary amount of money brought her happiness?

I don’t know any details of her personal life, but I am sure that this situation is taking up a lot of her time and she would rather be doing something else. So with all her money, because she is not in control of her time, she is having to do things that she would rather not be doing.

It is evident then that having very large amounts of money, brings with it some pressures, from many diverse areas. It would be safe then to say that far from solving problems, it can throw up a lot of other problems.

I have never actually had an analogy that could explain a surplus of money, but last night I suddenly thought of one that may work.

If we were given a container that filled with a certain liquid ( representing money )was enough to keep us in a lifestyle that we wanted for our whole life, what would you do when filling it?. You only get one visit to the tap.

Some people may start filling it and then get impatient and run off with the container only a quarter or half full, they will then either have to live frugally to make what they had last, or they could live very well for a given period and then suffer at other times.

Others will stand there and although it is a bit of a pain and quite strenuous to keep hold of the container, they will fill it to three quarters full, and say that will do. These people could divide the content of the container up over their life and be OK, not quite living the high life, but OK.

Then you will get the ones that go through the pain barrier and wait until the container is full, these people will have a fulfilled life and have enough to keep them living a very comfortable lifestyle with not too many problems.

A very unique group, will go through the pain barrier fill the container and then keep trying to get more liquid into the container, and every time they try and move away, they leave the tap running into the container to just make sure that there is no possible way they can get any more in.They are frightened to leave because they really do not believe that what is in the container will be enough. So they spend their lives all the time having enough, but scared to do anything just in case it is not.

At the end of their life they are still standing at the tap trying to get more in the container and suddenly they realise that they have actually not done a lot of the things that they wanted to do.

I think that knowing how much we need is such an important part of life, and removing the fear of lack is a major part of being able to relax. Having reached the ripe old age of 64 years young I can tell you that living well and creating money is much more fun when you are content and relaxed, and although the amount needed to live confortably is quite substantial, it is in no way prohibitive.

I get so many people who say that they would be prepared to sacrifice everything to have a huge amount of money, and now I can have a great mental picture of them standing at the tap with their container overflowing stuck in one position with no way to enjoy themselves.

I hope this little analogy helps you put into perspective what we need to get through life and also explains that to fill the container requires different disciplines. The more effort you are prepared to put in to filling the container the better your life will be.

I really hope that you are not one of those people who are afraid to leave the tap.

Go fill your container.

June 2012 Community News

croz — Wed, 30 May 2012 08:52:15 +0000

JUNE 2012

Hi and my apologies for the delay in getting this edition of the community news ready.

Make sure you check out this months competition, 5 online courses to be won.

As many of you will know I have been very busy getting ready for some exciting talks in Thailand, It has been a long journey, but now things are all set and as always they are even better now than if things had gone ahead almost a year ago.

The Worry Free Life Course has now been translated into Thai, and hopefully that will give many people the chance to learn these amazing teachings. I must give HUGE thanks to Dr Warunyar Sadeem Ritenis the lady who has introduced the teachings contained in The Science Of Getting Rich to Thailand

Croz and Dr Warunyar visiting a Temple in Bangkok

It has been a great adventure working with Dr Warunyar, getting the contents of the book, in a format that would appeal to the Thai people.

During this time it has made many things clearer to me, and the close working relationship has created some very innovative teaching methods.

The new information and ideas that we have discovered during this time will be documented and put up on the course as bonuses. That is the great thing about this course, it is always being updated with new stuff.

Here are some tips that have come out of our work together:

Are you confused? It seems that the access to so much information is putting many people into information overload, and they are having trouble making sense of any of it. We have discovered during our work on producing the talks for Thailand, that there are just a few criteria that make obtaining and making sense of all this stuff very easy.

We all want to live a Worry Free Life, but with our brain in meltdown, we never seem to make any progress. So here are the tips to help you change things in your life.

Choose one teacher, preferably one that can give you evidence and results as to what they teach, and more importantly one that you trust and identify with.
Do not follow or read other information until you GET IT via that teacher. Once you get it, and only then , you can look at other systems and compare them, if you feel the need.
Make a commitment to yourself and get your mindset right.
Statistically only about 2% of people get any results from trying to use life changing programmes. This is because they THINK that things will not work for them. Once you have faith and belief in achieving your results, Nothing will be able to stop you.
You cannot receive and accept new information, if you are not in the right frame of mind, and a competitive mind that is chasing everything will never create the same results as a mind that is creative and relaxed. (Remember, that anything you chase will instinctively run away, and that includes your vision.)
Finally make sure that your GOALS and VISIONS reflect what you truly want, and not what you THINK you want. There is a world of difference. Making sure the changes you want are true desires, is a major part of your success.

If you follow these simple guidelines before setting off on your journey, you can clear your brain and start manifesting the things you want into your life.

RELAX and PROSPER

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ARE YOU CHASING THE WRONG DREAM

This article tries to help you establish exactly what you really desire.

Let’s try and establish once and for all what rich is, and why it is so important to your success.

The spectrum of wealth is so broad that it confuses us, and we do not really know now what to think about wealth and the people with vast amounts of money.

Steve Jobs reportedly left $7billion, but if he was trying to be the richest man in the world, he had a long way to go, and may have been a bit disappointed with his efforts.

Once you make this choice it will relax you enormously, because it takes away the added pressures.

Because I always bring wealth back to a lifestyle, many people try and imply that it is a cop out and my systems and teachings are no good to obtain real wealth. I have to answer by saying that I can only advise what I know to be true. I have had a roller coaster life and I would not change any of it. The bottom line is Val and I have been good contributors to charity and we have also financed young people to start their own businesses. We have recovered from some major setbacks and have been associated with some very wealthy people along the way. At this point in time, our lives are set so that we can travel when we want, we can do what we want, and we have the time and money to do it. If that lifestyle appeals to you then I can help. I am the richest person I know.

Why not take the pressure off yourself, and create your very own custom designed Worry Free Life?

Imagine learning how to create situations that have alluded you for years

Imagine being creative and not competitive.

Imagine having time for your family and taking them on the journey with you.

Imagine being financially sound, so that the bills that used to send you ducking for cover, can be settled immediately.

Imagine moving to a house that you only ever daydreamed about.

Imagine feeling relaxed and at peace with yourself.

Finally imagine feeling that you are actually living the life that you always knew you should, but never thought you could.

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CREATING A VISION PART ONE

Mark Twain said, “I can give anyone anything they want, the

trouble is I cannot find anyone who knows what they want”

Creating your vision thing is where most people have great difficulty.

There are so many challenging things that have to be overcome, and it is in not understanding what we are trying to achieve that shipwrecks many early attempts.

It is your right to obtain wealth and create enough money to live a fulfilled life, and you MUST decide what fulfilled means to you based on what you feel would make you happy.

It is always a problem when people look at others and envy their lifestyle, when the truth may well be that that person could actually envy aspects of your lifestyle. For example a “successful” business person may have lots of disposable income, and the supposed trappings of success, but because of the situation they are in, they may not have the mindset or the time to enjoy it.

When creating your vision, it is important that you factor in initially, the things you love about your life now, that cost nothing, for example time with your family, exercise regimes, being available to do things with your children, time to enjoy the natural wonders of the universe like sunrise and sunsets, and of course time with friends. It is these very things that some people seem to sacrifice, in an attempt to obtain money and things, that they think might make them happy.

Most of the extremely wealthy people I know, get pleasure from doing some very basic things, and always wish that they had more time.and others have arrived at where they wanted to be financially, and have realised their assets, and have so much time on their hands that they get bored.

So as you can see, the more balanced that you can make things on the way to achieving your vision the better. That is why I recommend not making too many sacrifices on the way by ignoring the things mentioned earlier, that you enjoy now.

It is very difficult for us to create a vision based on things that we know nothing about, and many people arrive at a point they were aiming for, but have lost many important parts of their life.

My recommendation, when creating your vision, is to not rush it, but really decide how things will feel when you achieve it. Factor in all the important things that we discussed earlier, and make sure that you do not sacrifice them in an attempt to accellerate things, thinking that you can put it right later. You will never be able to put those things right however much money you get, one thing you cannot buy is time that has already passed.

A point to consider here is very important and it is the true foundation of your success in creating and achieving your vision. You must change your thoughts and feelings deep inside, and truly believe in your ability to allow your new life to come to you.

I read somewhere that if all the money in the world was divided equally among all the inhabitants of the world, eventually the distribution would get back to pretty much how it was. That is the rich becoming rich again and the poor becoming poor again. This would indicate that each persons mindset has controlled the redistribution.

In conclusion, It does not matter what you visualise, if you do not change your mindset to one of belief in achieving, and faith in receiving, unfortunately you will remain exactly where you are.

Remember it is your right to have all you need and desire, and it is only past information and programming that is limiting you.

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THE FIVE MOST REPEATED REGRETS FROM THE DEATH BED

That sounds a bit morbid, but it is amazing how truthful people become when they know they do not have long left. These regrets were the most common and have been assembled after talking to many palliative care nurses.

1. I wish I’d had the courage to live a life true to myself, not the life others expected of me.

This was the most common regret of all. When people realize that their life is almost over and look back clearly on it, it is easy to see how many dreams have gone unfulfilled. Most people had not honoured even a half of their dreams and had to die knowing that it was due to choices they had made, or not made.

It is very important to try and honour at least some of your dreams along the way. From the moment that you lose your health, it is too late. Health brings a freedom very few realise, until they no longer have it.

2. I wish I didn’t work so hard.

This came from every male patient . They missed their children’s youth and their partner’s companionship. Women also spoke of this regret. But as most were from an older generation, many of the female patients had not been breadwinners. All of the men I nursed deeply regretted spending so much of their lives on the treadmill of a work existence.

By simplifying your lifestyle and making conscious choices along the way, it is possible to not need the income that you think you do. And by creating more space in your life, you become happier and more open to new opportunities, ones more suited to your new lifestyle.

3. I wish I’d had the courage to express my feelings.

Many people suppressed their feelings in order to keep peace with others. As a result, they settled for a mediocre existence and never became who they were truly capable of becoming. Many developed illnesses relating to the bitterness and resentment they carried as a result.

We cannot control the reactions of others. However, although people may initially react when you change the way you are by speaking honestly, in the end it raises the relationship to a whole new and healthier level. Either that or it releases the unhealthy relationship from your life. Either way, you win.

4. I wish I had stayed in touch with my friends.

Often they would not truly realise the full benefits of old friends until their dying weeks and it was not always possible to track them down. Many had become so caught up in their own lives that they had let golden friendships slip by over the years. There were many deep regrets about not giving friendships the time and effort that they deserved. Everyone misses their friends when they are dying.

It is common for anyone in a busy lifestyle to let friendships slip. But when you are faced with your approaching death, the physical details of life fall away. People do want to get their financial affairs in order if possible. But it is not money or status that holds the true importance for them. They want to get things in order more for the benefit of those they love. Usually though, they are too ill and weary to ever manage this task. It is all comes down to love and relationships in the end.

That is all that remains in the final weeks, love and relationships.

5. I wish that I had let myself be happier.

This is a surprisingly common one. Many did not realise until the end that happiness is a choice. They had stayed stuck in old patterns and habits. The so-called ‘comfort’ of familiarity overflowed into their emotions, as well as their physical lives. Fear of change had them pretending to others, and to their selves, that they were content. When deep within, they longed to laugh properly and have silliness in their life again. When you are on your deathbed, what others think of you is a long way from your mind. How wonderful to be able to let go and smile again, long before you are dying.

Life is a choice. It is YOUR life. Choose consciously, choose wisely, choose honestly. Choose happiness.

I hope you take that on board, there are some very poignant facts there that should get you thinking.

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THIS MONTHS COMPETITION

The question is What could Mark Twain not find?

When you have found the answer email croz@sogrcommunity.com with COMPETITION in the Subject line

There will be 5 prizes this month of Worry Free Life online courses, valued at $197 each.

The draw will take place on June 12th and the winners will be notified and the names will be posted on the website.

You cannot win it if you are no in it.

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Thoughts from Worry Free Island: One of the main things that happen when you are in the turmoil of a crisis is that you cannot see an end. You feel as though you have been singled out to be persecuted and then your mind wanders to every other situation in your life and you put the worst possible scenario outcome on them as well.

The obvious thing that happens then, is that you start making decisions based on fear and desperation, not an ideal state of mind to make important decisions.

Although things seem hopeless and you cannot see a solution, there always is an end to the situation and the more you relax the better the solution will be.

The universe will deliver exactly what you visualise. The trouble is that we seem to be brilliant at visualising defeat and failure and that is what gets delivered.

Why is it that we are so good at visualising negative thoughts? The reason is that the universe never falters and every time we think negative thoughts, that is what is delivered, so an accumulation of the results we get and the programming by others, gives us regular negative results.

I have found that we get to believe the world is against us because we get such regular results when thinking of bad outcomes, just imagine getting the results based on what we really want to achieve.

Just imagine what happens when you train your mind to be positive and believe the outcome? That is the key to a happy successful life.

TIP: Whatever the situation, by just working on changing your thoughts ” You can always take control”

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Well I hope there is plenty here for you to think about. Don’t forget to enter the competition.

If you want details of the Worry Free Life course CLICK HERE. and if you are on any of the community mailing lists there is a special 50% discount code contained in the latest email. Just click on any link to the details and you will get $100 discount when you purchase the course. ( Your discount code is in the email)

Enjoy the news letter and I look forward to hearing your comments below.

Croz

Are You Committed

croz — Sun, 27 May 2012 03:02:02 +0000

Thoughts from Worry Free Island: What is it that gets us started on a project, an adventure, a change of life etc..?

Having given this some thought, so many people say, “I will do it when things are right.” In my experience, things will never be exactly right to make major change or make big decisions. So what is the catalyst to moving on?

There is only one thing that will guarantee that you will do something outside the box, and that is TOTAL COMMITMENT, not “That sounds like a good idea”, or “Yeah that sounds like fun”, but I am doing this NOW and I am going to just let things pan out in front of me.

In every situation that I have known where someone has made a genuine commitment to do something, magical things happen to move them forward. It seems that once you are focused and committed, the opportunities and people that can help, appear at exactly the right time.

Opportunities are always there, but it is not until you are clear as to where you are going that they become obvious.

Trying to work out what will happen and HOW things are going to happen will keep you stuck in one place, because if you knew how to get to the new place, you would already be there.

Tip: Do not let fear of the unknown stop you having an adventure.