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When it comes to birthdays, Christmases, and Valentine’s Day presents, it can be difficult to buy suitable gifts. Perhaps the person for whom you are buying the presents is relatively new to your life, and you are yet to find out their likes and dislikes, or maybe, the person is particularly fussy and is consequently extremely difficult to buy for, nothing you choose suits their own particular style and they frequently turn their noses up at your gifts.

We have all been there: the partner who asks for something special, or who asks for something that is meaningful, rather than practical – that is a particularly hard stipulation to satisfy an impractical present? Perhaps they would like a broken phone. On the other hand, maybe they would appreciate a two-wheeled car. The request of a non-practical gift is so vague as to be nonsensical.

Well, good news, we have found the perfect present, it is meaningful, has very little practical application, and you can buy the same present year in and year out, without appearing unthoughtful: truth jewellery.

Under the umbrella term of truth jewellery, you will find charm bracelets, and charm necklaces. Charm bracelets and necklaces begin as simple items of jewellery, with mechanisms along the chains, which enable new charms to be added. When they are bought, they are either entirely plain, or come with one or two charms.

Truth charms are so called because they represent a truthful relationship between the giver and the bearer. The beauty of these bracelets and necklaces lies not only in their face value, but also in the underlying messages. Each charm has a different meaning, and depending on the emotion you want to express to the person for whom you are buying the gift, you can choose a truth charm that suits.

Moreover, for those of us who find it difficult to buy presents for our loved ones because we simply have no idea as to the sorts of gifts they would appreciate, truth jewellery is perfect. Every occasion – birthdays, Christmases, christenings, births, Valentine’s Day, or just a Wednesday – a new charm can be bought. If you are the type of person who frequently gets in trouble for buying the wrong gifts (for instance, on one occasion, a friend was bought a set of weighing scales as a present from her boyfriend, and, needless to say, they were not well received!) then truth charms are a good choice.

If you purchase your loved one such items of jewellery, you will never be stuck for ideas again, simply add to the bracelet or necklace, not only will the gesture be well appreciated, you will not have to trudge around the shops looking for that perfect (not practical) present.

True power resides in the present moment. We can tap into the present moment in many ways and it first involves turning off the phones, computers, TV’s and anything that might distract you once you begin. We are so often caught up in the past and reacting from past patterns and behaviors. Tapping into the present moment grants us the ability to assess how we are feeling; what is feeling wonderful? and what is feeling “off”? Presence also grants us the peace of mind we need to be in to receive guidance. As this world keeps moving faster and faster it becomes more and more challenging to get that quiet time. I am happy to offer you five (5) ways to tap into the present moment so you can move forward with clarity and purpose.

1. Gratitude – When we pay gratitude for something in our life (person, thing, animal) we are calling to mind something we love. We are present in that observation and are giving appreciation and love. Thinking of that person, pet or object and imagining how you feel when you are with them; feeling all the emotions they bring to mind and letting yourself just sit in the goodness of that moment is an excellent way to get present. If you wanted to write a thank you, call someone or give extra pets to your pet, that is fine too! Paying gratitude for yourself is also wonderful. Think of five things you love to do or like about yourself and bask in the joy for a few minutes. Gratitude is a sure way to switch your mood quickly AND to put out much more positive energy to the Universe for it to respond to!
2. Feeling Energy – Rub your hands together for 60 seconds rapidly. Now, put them a few inches apart and feel that connection and energy between them. You can play with the energy by moving your hands back and forth or close your eyes and imagine that energy traveling throughout your body. If you like, you can imagine it in a place of your body where you experience discomfort and visualize it bathing that challenging spot with light and healing energy. Know you can always rub your hands together again if that feeling starts to wane. Playing with this energy is a way to bring peace, connectivity and presence into your life in as little as a couple of minutes.
3. Affirmations – Saying and claiming ways that you want to be and feel in your life can bring you to the present moment quickly and allow you to get excited about what you are creating. Our thoughts, words and emotions do contribute to the energy we put out and receive back from the Universe. In taking even a few minutes a day to affirm to ourselves, “I am working on being my best self”, “I am a powerful creator”, “I accept myself as I am”, “I am limitless”, “I am open to receiving guidance” or the countless other affirmations you can come up with. you are bringing yourself to the current moment by claiming what you are. You are also taking that moment to come up with what you want to affirm. A suggestion is to come up with something that won’t meet extreme resistance. Saying “I am a millionaire” if you are in debt might meet a ton more resistance and cause discomfort instead of “I am open to and pursuing more opportunities to bring more money into my life”.
4. Self Love/Gratitude – Coming up with reasons you love yourself and/or paying gratitude for yourself for things you have done that are wonderful – instead of berating yourself for what you feel you might have done wrong – is a strong way to be present and shift your energy. It can be something nice you did or said. It can be the fact that you love to cook, write, are a good listener, or love to dance. Everyone has many gifts and reasons to be grateful for themselves. It is simply that we are not taught to focus there and instead tend to magnify the things we feel we have said or done wrong. This simple exercise brings you to the present moment and a deep sense of self-love and gratitude.
5. Sensory Meditation – There are so many ways to meditate and I don’t feel one works for all people. In my own life, I use many forms of meditation and the sensory meditation is one of the most effortless. For this you first need to turn off all distractions. Bring yourself to the current moment and you can do this with any sense, but the ones I find easiest to tap into are sight or hearing. If you are doing the one for hearing, close your eyes and focus on what you hear. Usually we are only hearing a fraction of what is going on around us. To begin with you might hear traffic, or the wind or if you are inside the whirring of something electronic. As you begin to tune in, you will hear many other sounds as well. If you are outside you might also hear birds, someone talking in the distance, rustling of animals moving around, etc. This has such a calming effect as we are truly tuning into the current moment and opening up that sense more than we usually allow for. This can be done in only a few minutes and can invite such a sense of calm and peace.

In my book, A Short Path to Change, I offer many more tools and exercises to become present. In becoming present, we are connecting to our true selves – usually well hidden by the constant barrage of thoughts that control our day. There is such power in the present moment. In my book I not only teach you how to access the present moment, but how to harness that power to begin to create real change and manifestations. True change does not need to take much time and effort and is always available to us as long as we know we are worthy to take those few minutes a day to create what we want.

Dealing with creditors can be a hassle, which is why people often choose to enlist the help of a third party debt negotiator. While working with a third party may be helpful, there are some things to consider. First, are they legitimate? Can they really maximize your chances at successful negotiation? and What type of negotiation will they provide you? It is important to know the answers to these questions before signing up for services. Protect your debt negotiation by asking the following questions:

What services do you provide?

Not all debt relief companies are the same and some tend to advocate or sell one particular type of service, like a debt settlement. You want to choose a company that offers a wide variety of services and doesn’t try to treat your financial situation the same as the next customer. A reputable debt negotiation company will offer services in debt management solutions, budgeting and saving, smart money management and investing advice.

Are your staff trained and licensed?

There are a multitude of negotiation companies in operation, which makes it difficult to know which ones are legitimate and which ones should be avoided. A reputable agency will staff licensed and credentialed employees who have extensive training the field of finance. A company that only staffs employees who were trained “in house” should be pursued with caution, as these employees may not be adequately trained or knowledgeable.

How does your company make money?

The debt negotiation business can be broken into two types of companies: for profit and non-profit agencies. Credit counseling companies are an example of non-profit agencies that charge minimal fees for services and are accredited by the government. While there isn’t anything inherently wrong with using a for profit business, be aware that you are likely to be charged much larger fees for services and may even be required to pay upfront.

What is required of me in the process?

Using a third party debt negotiator does not mean that you are free from responsibility in your debt resolution. In fact, you should remain an active participant in the process throughout the negotiation. It is important that you stay in contact with your lender and obtain a signed letter of approval for whatever deal is arranged by the debt negotiation company. You may be required to make payments or provide additional information throughout the process. Always keep an eye on the debt negotiator and ask questions any time you are unsure of something.