Category Archives: Day-To-Day

Mining at Salt Pond Beach in Hanapepe, Kauai | Fun Things to Do in Kauai

Watching Hawaiian Salt
being made at the Beach!

On my way to go snorkeling today at Salt Pond Beach, I saw them mining the salt. I love this beach close to home and was excited to find out more about the mining here. Sometimes I see people working out there, but today was different. There were buckets out and it looked like it was harvesting day – I was right!

Here’s some history about the Hawaiian salt making at Salt Pond in Hanapepe, Kauai – I learned a lot about these 26 Hawaiian families who still mine as their ancestors did!

I realized it had been almost a month since I had been snorkeling at this amazing beach 1.5 miles from home. My “inner child” was asking to go play so I honored a “playdate.” I’m so glad “we” had a blast seeing some amazing creatures while snorkeling. There were tons of fish today like puffers and a trumpet fish. The highlight was a huge grey crab with big red spots.  The salt mining was an awesome bonus!


My Miracle Morning Reading & Journaling visiting Workshop of the Mind and Inner Child

I wanted to share my journal entry this morning. I was so excited after I did my visualization exercise.  I wrote about the mastermind I created and then more ideas started flowing.  

Then I had a great conversation with my Inner Child and now we have a date to go snorkeling tomorrow! Yeah! Omg, I just realized it’s been almost a month when I’ve been snorkeling and I live 1.5 miles away. Oh jeez. Well Little Lauren that’s changing tomorrow 🙂

I wanted to share this section of The Prosperty Secret by Markus Rothkranz really spoke to me. 

“Skill #1 – Control Your Thoughts and Emotions

What if how you lived your life on a daily basis brought great joy to you? What if what you thought created wealth and attracted financial security to you?

Skill #2 – Use the Right Tools 

Figure out how to do a business better; that’s the path to wealth

Skill #3 – Take Action in the Present Moment

What you don’t do in this moment, most likely you’ll never do at all.”

How to Request an IRS Payment Plan Installment Agreement to Avoid Levy or Seize Property

Helpful Links for Setting Up an
IRS Payment Plan

Part of my financial freedom journey left me owing back taxes.
Oh, joy. My 2012 was on a payment plan a few years back and then early in 2017 I started this process again. Here’s some valuable information I’ve gleamed from the IRS while reconciling my finances.

Steps for Making Payments on Back Taxes

  1. File Taxes Owing IRS
  2. Get IRS Letter on What You Owe
  3. Setup Installment Agreement
  4. Make Payments
  5. Celebrate Being Free!

Helpful Links for IRS Payment Plan


IRS Customer Service Phone Number: 800-829-3903

This is the mailing address for IRS I was given
If you call them, confirm which address because it’s different for each state

Internal Revenue Service
ACS Correspondence
PO Box 145566
Cincinnati, OH  45250-5566

IRS Online – “Get Transcript”
Online service to request a list of all the income sources the IRS has on record for you each year

IRS Installment Agreement Request – Form 9465
This is the link to request making payments on taxes

IRS Installment Auto Payment – Form 433-D
This is the link to the form to setup Autopay “direct debit”

IRS Request for Copy of Tax Return – Form 4506
This is the link to the form to get your tax return

IRS Claim for Refund and Request for Abatement – Form 843
This is the form to request penalties be removed

Good Things I Learned from IRS

  • You pick the installment agreement price. I owed $3600 and I suggested $100 a month and they accepted it
  • You can pick your payment due date on your installment agreement
  • If you make less than $10,000 you don’t need to file taxes that year
  • Ask For What You Need!! I told her I felt overwhelmed getting this together in 10 days so she extended it to 30 days.


“Trust that everything is working out for the best …
When you start thinking this way, life becomes magical ”
– Your Wish is Your Command

This is the worst nightmare scenario I had been fearing. Receiving IRS notice of intent to seize my property! When I read the letter I felt fine, there was no panic, no overwhelm, no barrage of condemning self talk like every other time. A few months ago this letter could easily have shattered my limping spirit.  Instead I was ready for it because I felt good and then I read the letter while giving thanks, “I am capable of handling my taxes once and for all! OMG I am truly coming out this anxiety ridden stage in my life – Hallelujah!”

I am so grateful I let those negative self beliefs go. With this renewed positive confidence I handled this tax levy situation by trusting everything is working out for my best. So it did – I was inspired to ask the right questions and attract the kindest representative to support me! Everything is on track with my back taxes now – what an even better feeling I have now!

Worst Nightmare IRS Letter turned Positive Growing Experience

Back taxes: This subject had caused me a lot of shame and anxiety over the years from a past business debt that snowballed. I fell off the payment plan during my move to Hawaii. I restarted the process in early 2017, new year it’s time to handle it. The first time I called I had an hour wait time, good conversation unfortunately they never sent me the paperwork as promised. So 6 weeks later and another 2 hour hold, this time I made some headway. I filled out form 843 to see about removing the penality. Now to play the waiting game again. In May I got a notice saying they received it. Oh yeah. Then another saying forwarded to another department. I received another letter in July said they were reviewing my file and would have an answer within 90 days.

Suddenly a week later appears this “Intent to Seize Your Property” notice. What?! Was this my return correspondence denying request or just a scare tactic to get payment? (My lovely representative admitted the IRS does have that overzealous nature with those notices!) This time calling I felt different and certain of a favorable outcome. I wasn’t anxious and I had a positive attitude when calling and I only had a 45 minute wait when I called the IRS number on Monday morning. That’s pretty darn cool. Everything’s working out well already.

This was my third call (or perhaps fourth) to the IRS this year regarding the matter and I’ve always had super kind customer service representatives. After my call I remarked to a friend how I am so grateful this is usually my experience with phone calls (since I know I how to deliberately create this I attract the right representative!). Ms. Thompson helped my fully and went above and beyond giving me some great information.

Previous IRS Correspondence Letters

As I got reenrolled in the IRS payment plan, I learned shockingly I am missing two years of records. How frustrating because I paid someone to do my taxes both those years. Rather than revert to overwhelm or anxiety over the issue, I remained calm and I learned about requesting an Income Transcript. A double win!

The IRS “Get Transcript” is a list of all the income sources the IRS has on record for you each year and payments. How helpful! Now I can double confirm everything before I file my taxes! 🙂 I’m not sure when it posts though 2016 is already there and it’s July 2017. If you filed a tax filing extension October is the deadline so you can confirm what IRS has on file for that year before filing. How nice to be on the same page! It’s free to request a mailed copy, you can download online or we went over it on the phone so I had the info right now too. I’m so happy to discover this nugget!

Hearing I needed to solve two years of missing taxes was concerning. I admitted to Ms. Thompson I was starting to feel overwhelmed doing this in the 10 day window. I asked for support and it worked and she gave me 30 days. Overall this whole tax situation feels really good to handle and I have confidence in receiving the money to pay it off very soon. In order to receive all the big money coming gotta have everything be on track. The more I see and take care of this stuff the better I feel! I recently heard the idea the Universe is your biggest investor so it wants to make sure you can handle it well!

How to Apply the Mental Bank Concept | Inner Banking Financial Freedom Exercise


Lauren’s Inner Bank Guide

Apply this Powerful Financial Freedom Exercise to Reach Your Dreams Faster!

Step 1: Define Your Goal

Step 2: Determine Value Events

Step 3: Create Your Notebook

Step 4: Establish Your Routine

Step 5: Experience Your Dreams


Click on Section Headings
Below to Expand/Hide Content

Introduction to the Inner Bank and Mental Bank Concept

Aloha! I’m Lauren and I discovered this concept called the Mental Bank a number of years ago. The idea behind the Mental Bank is to expand your current personal belief about your money experience (reprogram your subconscious).

Armed with a new self-worth and recording the daily value you’re creating (plus getting paid big checks!) this exercise influences your behaviors so you create a more abundant life that matches your updated Inner Bank.

I practiced the exercise several times on my Financial Freedom Journey and always experienced positive results. So this time when I was ready to “level up” again for a new business venture, I turned back to my Mental Bank notes. I really wanted to keep up the nightly practice (ensuring my best goal results) so I took some time to developed some key resources I needed.

The first thing I needed was a 3-ring notebook with templates - now it’s so easy to keep up with! More parts grew and soon I had created my own Inner Bank system. My friends kept asking me how I was doing it and I love to share so I put everything together in this post so you to start your Inner Bank tonight!

Here's an overview video I made explaining my Inner Bank System

My dream goal is I am a financially free millionaire living in my own 6000'+ dream home that's free and clear. It's an estate built on a family farm with over 12 oceanfront acres in Hawaii and I receive over $1,000,000 a year of passive income. This means my monthly income lifestyle is receiving over $83,333 per month if I never do a day more of work!

This dream life is a huge jump from what I have experienced so far. By doing this mental bank exercise and experiencing the feeling of living as a financially free millionaire already, I quickly begin to attract the people and circumstances into my life to make it happen. I shared this powerful Financial Freedom Exercise with my friends and - wow! - they are also having exciting experiences of receiving more money and reaching their goals faster!

Inner Bank History

Lauren derived her Inner Bank Finacial Freedom Exercise from the Mental Bank Concept by John Kapaas

Mental Bank Development

"The Mental Bank program, developed by Dr. John Kappas and the staff of the Hypnosis Motivation Institute (HMI), represents the culmination of 30 years experience in the field of subconscious and behavioral reprogramming.

The text explains in easy to follow steps the five synergistic elements of the Mental Bank program and how to get them working in your life in less than five minutes per day.

The Mental Bank program is a dramatic demonstration of how your subconscious mind is a goal machine, driven to achieve whatever it is programmed for. The Mental Bank program puts you in the driver's seat for programming your subconscious mind to achieve success, happiness and prosperity, easily and effortlessly."

Success is Not an Accident: The Mental Bank Concept by John G. Kappas. 

Just so you know, this video is not 5 minutes - it's 2 hours! Continue reading this post for my "Cliff Notes" 😉

Additional Websites for Information

Applying My Inner Bank Process

Note from Lauren

A coincidence (or there are no coincidences!) is my personal connection to HMI  because what helped me to define my goal was several appointments there in January 2014. I saw myself as a financially free millionaire coming down the stairs of my dream home and raced ahead with my life in that direction. I didn't put the connection between HMI & Mental Bank until I put together this blog post!

Years ago in Los Angeles, I heard of the Mental Bank concept, Googled it and put it into practice for a bit. It was cool getting paid for my daily "value!" however my routine changed and I fell out of practice. Then at my Entrepreneur Meetup, one of the members gave a presentation on using the Mental Bank after she had taken the official course.  Only then did I find the free online PDF from HMI.

Three times over several years I used the mental bank for short periods and experienced a tremendously positive effect plus I actually had money come "outta nowhere" during those times. Yet I didn't have consistency until I put my own spin on the Mental Bank Concept and developed some great templates and resources I call the "Inner Bank Financial Freedom Exercise." I'm happy to share the resources I use and am very pleased with my results using my Inner Bank nightly.

Step 1: Define Your Goal

What do you truly want? It surprised me to learn the majority of people never have a definite goal. I have known what I want - to live in my dream house as a financially free millionaire traveling the world with my family sharing entrepreneurship with everyone.

Money Goal

If you have a specific money amount, just plug that into the goal. Using the "SMART Goal" method is a good way determine amount

Other Goals

A weight loss goal could be defined as $100,000 and I’ll pay myself according to my weight loss and value events like eating healthy or exercising.


Having big goals for yourself is great, though if you’re starting from a place of confusion or lack of desires (and maybe everything sucks in your life right now), then it’s hard to feel like your wildest dreams are coming true. That’s where the 4 areas of Peace of Mind come in to the equation by looking at different areas that you want to improve.

Peace of Mind

The 4 Areas of Peace of Mind
  • Health
  • Wealth
  • Love
  • Happiness
Take a moment and assess each of those 4 areas of your life. Rate them on a scale of 0-10 (highest being 10). You can focus on the lower satisfaction areas or set goals for all the areas. See your life as you choose it to be - you are the creator of your experience!

Envisioning Your Dream Life

This is where the magic starts! Go big!!

Goals of "I want to be rich, I want to live in a big house, I want to have a ranch in the mountains, I want to be married, I want to travel, I want to be healthy" are all great though it’s vital to get specific.
How much money do you actually want?
Getting specific allows you to really make the goals measurable.
  • Does $1 million dollars make you feel rich or $100 million?
  • Do you want a $200,000 house or a $20 million dollar house?
  • How large is your house?
  • Where is it located?
  • What’s the monthly household expense?
  • Will you need a chef, housekeeper, gardener?  How often?
  • Someone to do errands and drive the kids to school?
  • A personal assistant to handle your to do list?
  • What’s your ideal budget for shopping/eating out/household expenses?
  • Do you want to travel each month? Vacations?
  • Personal jet or just flying first class?
  • Do you have a partner? A new one? Kids?
  • What does your ideal body look like?
  • How do you spend your free time?
  • Do you work?
You need to get used to having this abundance and be really comfortable with it. Your subconscious needs to believe it and expect it. Setting these measurable goals sets you on the right path to creating exactly what you want because you’ve taken the time to create it in your head first. (This is what I call workshopping and visualization and more on that elsewhere.)

Step 2: Establish Value Events

Value events are based on actions you do that get you closer to your goals! Things that add value to your day are, in fact, contributing to your success. Yes, it can even be serving others, taking a course, meditating or spending time with family. Developing great relationships with quality family time or business masterminding phone calls are great examples of value events.

Determining Your Hourly Rate

The difference between calculating the Mental Bank Way vs The Inner Bank Way is the Mental Bank uses an annual income to determine hourly rates, while the Inner Bank calculates monthly.
  1. Take goal amount and multiply it by 4 to get Inner Bank target
    • Example - Goal: $10,000 Goal x 4 = $40,000 Target
  2. Divide that number by 720 to get hourly, monthly wage
    • This is calculated around the clock
    • Example - $40,000 / 720 = $55/hr, I prefer to round it
  3. Double or triple hourly wage for bonus events
    • Example - $55/hr x 2 = $110/hr bonus rate
  4. Determine varying amount for flat rate events
    • Example - $500 for attending a workshop
    • Example - $100 for getting 8+ hours of sleep
$10,000 Goal is $55 per hour

Value Events

All events must be on this list to get paid!

Look at the 4 areas of Peace of Mind to determine your overall total (see Peace of Mind in Goals above)
  • Health goals may have value events like exercising, food choices, sleep routine, water amounts, etc.
  • Wealth/money goals may have value events for: responding to emails, talking to clients, sales calls, reading or listening to learning materials.

Assign the hourly rate (yes, it can be in the hundreds or even thousands $$) and a flat rate for each event: listen to yourself on determining what is an "Hourly Rate" event and what will stay at a "Flat Rate" fixed amount.
My Original and Revised Value Events

Overall the majority of value event entries should be hourly to help you gain more awareness on where your time spent regarding your goals.
  • Health Goals may get an hourly rate for exercise and a flat rate amount for healthy food choices or reaching your nightly sleeping target
  • Money goals may get an hourly rate for working on projects and perhaps a flat rate for each quick followup call

Bonus Events

When something is super hard to do or scary and brings you a significant step closer to your goals, these events are paid 2- 3 times the usual amount. Example: Making cold calls, going for a run, doing a project you want to avoid.

Now Go Big!

What is your Dream Lifestyle Budget?

Wanna $1,000,000 a year?



$1,000,000 x 4 = $4,000,000 Target Goal

$4,000,000 / 12 = $333,333 per month

$333,333 / 720 = $463 per hour!

Step 3: Create Your Inner Bank Notebook

Notebook Supplies

My Product Recommendations
*Click to Buy on Amazon Prime*

I find it a lot easier to have a 3-ring binder for my Inner Bank Exercise and hole punch my printed templates. The dividers separate your daily ledger and the other sections. Make sure you have a good calculator (and not the basic 8 digit) because you will be calculating into the millions! You can also use the calculator function on a phone or computer. I use the pouch to hold my blue pens and checkbooks.

Paying Yourself

I write real checks to myself and put them on the wall for a powerful visual. I highly recommend using specific checks for this exercise; for $20 I ordered a separate box of real checks from my bank just for my Inner Bank paychecks. It's an amazing feeling KNOWING I will cash them soon!
*Free Download* Printable Blank Checks
My current paycheck stays in my wallet all week! Fun seeing that big check each time!

Notebook Pages

The most important practice of the Inner Bank Financial Freedom Exercise is doing it nightly. I developed these Inner Bank Templates that I personally use to make it easier though you can also just do journal entries. ... Helpful Templates Lauren Created
  • Inner Bank Contract
  • Inner Bank Ledger
  • The Happenings
  • Value Events
  • Cashflow Sheet
  • Investments
*Free Download* Printable Inner Bank Ledger


Buy Inner Bank Resources

For Best "Inner Bank" Results, Join Our Accountability Group & Receive Your Templates FREE!

Step 4: Inner Bank Routine

Ah, ha! This is where the magic happens!

Practicing this financial freedom exercise every night is the key to making this work for you. 

Do it every night for one week to start!!

Since learning of the Mental Bank several years ago I would practice it for a few weeks at a time. Each time I felt such amazing growth in my mentality! This year as I pursued huge goals I brought the Mental Bank out of my "toolbox." I got serious about it and added real paychecks and made a notebook.  I made the commitment to bank every night.

Once again using this exercise I started getting amazing results plus I was feeling so much better! I decided to share how I've adapted it to my own Inner Bank routine and created the Facebook Accountability Group. I have no foreseeable ending this practice as I'm continually reaping the benefits! Life just keeps getting better and better! I'm crossing $21,000,000 tonight and my real life has shifted even more positively!

Calculating Daily Pay

Write out each event on the ledger and in the beginning recording each item is extremely beneficial. Pay yourself for the 10-15 minutes you spend doing this exercise each night.

After a few months I began to dread the ledger because I was constantly tracking my time and feeling anxious if not working enough. Not cool! Negative feelings are my sign for a course correction. So I re-did my Inner Bank Contract and went with a flat rate of $12,000 an hour x 24 hours a day - that changed my attitude and I enjoyed banking again.

After awhile re-did my contract again to get daily passive income plus have a routine checklist I reuse to streamline the process. I've tailored this exercise to work for me and you do the same. The most important thing is just to do it! 🙂

My Evolving Ledger

  1. Log each Event and Record the Rate and Time
    • Example: Health Goal - Drinking Water $20/Bottle flat rate, 6x
    • Example: Relationship Goal - Go on Date $400/hr rate, 90 minutes
    • Example: Money Goal - Cold Calls $800/hr bonus rate, 45 minutes
  2. Calculate all Events at the same time using a Calculator
    • Example: Health Goal - Drinking Water $20/Bottle flat rate, 6 times = $20 x 6 bottles = $120
    • Example: Relationship Goal - Date $400/hr rate, 90 minutes = 90 min / 60 min = 1.5hrs x $400 = $600
    • Example: Money Goal - Cold calls $800/hr Bonus rate, 45 minutes = 15 min / 60 min = .25hrs x $800 = $200
  3. Record Daily Total and add to your Inner Bank Balance
    • Example: Cold Calls $200  + Date $600 + Water $120 = $920 for the day!
    • $920 for the day + previous Inner Bank balance equals your new current balance
  4. Pay Yourself and Deposit into Inner Bank
    • Journal and write out the following script each day, "Today,(write-the-date), I am so happy and grateful receiving $##,### $(write-out-the-full-number-in-cursive) making my new balance $#,###,### $(write-out-the-full-number-in-cursive) "
    • Example: Today, January 1st, 2017 I am so happy and grateful receiving $5,327.12 five thousand three hundred twenty-seven dollars and twelves cents making my new balance $612,973.42 six hundred twelve thousand nine hundred seventy-three dollars and forty-two cents
    • Your daily pay is written on the ledger and the official paycheck is issued weekly
  5. Record Happenings from the Day!  This is your chance to reflect on opportunities you've been given each day to move closer to your ultimate goals. You'll start to recognize the daily occurrences of abundance. As you look for them,  they'll become more numerous and greater. Because what you give attention to, grows.

Weekly Paycheck

  • Calculate the total of each day during the week and write a check for that amount! Writing that check makes it real.  Seeing those numbers next to your name makes a powerful statement. "You are wealthy, you are worthy.  You deserve that abundance of money!"
  • I keep my current Inner Bank Paycheck in my wallet each week
Inner Bank Ledger and Paycheck

Advanced Banking

You can allocate your Inner Bank income and get investments. I love seeing my "Fun Money" add up and it's also good to practice paying a big tax bill for these millions! I made worksheets for these in my templates
  • Cashflow Worksheet Allocation
  • Update Investments(Add Screenshot of what amounts of money get allocated, allocation checks and investments)

Step 5: Experience Your Dream

Acknowledge and give gratitude for the abundance  manifesting in your experience!

Your mind must wrap itself around this idea of seeing abundance all around you, regardless of what your circumstances may be. When you start to SEE abundance in your everyday life, you're given more. So acknowledge and give gratitude for each and every one of those blessings! More comes to you, and more and more and more. That's where you experience your dream and build the life you're truly meant to live.



Inner Bank Concept

Your thoughts or self-belief about money
or achieving goals determine your experience
of abundance (or lack of it) in your life.


Quote from Robert Kiyosaki in Rich Dad, Poor Dad

“[My poor] dad had a habit of saying, “I can’t afford it.” [My rich] dad forbade those words to be used. He insisted I ask, “How can I afford it?”

One is a statement, and the other is a question. One lets you off the hook, and the other forces you to think … I can’t afford it’ shuts down your brain [because] it didn’t have to think anymore … It also brings up sadness, a helplessness that leads to despondency and often depression.

‘How can I afford it?’ opens up the brain, forces it to think and search for answers. It also opens up possibilities, excitement and dreams and creates a stronger mind 
and dynamic spirit.”

What are your thoughts about money?

Reoccurring thoughts like “I always have plenty of money” or “I never have enough money” play out in that person’s life experience.

Money is an idea and the ideas you are thinking prompts feelings. Those feelings create an expectation that becomes your life experience. If you believe “I always just get by” then it is so.

Are you ready for a more abundant life experience?

Applying this practice changes the way you think about your personal value and your relationship with money. Positively expanding both of these self-beliefs allows you to experience the life of your dreams even sooner! Start practicing this exercise every night this week and enjoy your first huge paycheck shortly!


5 Reasons this Financial Freedom
Exercise is So Powerful

Lauren’s Inner Bank System is derived from the well-known Mental Bank Concept which culminates over 30 years of research at HMI. Here are the 5 components that make up the foundation of this nightly practice many people have used with successful results.

“Success is NOT an Accident!” HMI Motto

“The 5 Synergistic Elements

1. BELIEF – Put into action your new, successful script and rewrite your subconscious

2. DAILY REINFORCEMENT  – In fact, it WILL work as long as we do it!

3. SCRIPTING  – Bypassing the critical area of the mind and entering the subconscious

4. TIME OF DAY – The last half hour before sleep is referred to as the “Magic 30 Minutes”

5.  DREAMS – New program in and vent out the old program dreaming”

Excerpt Above from the “Mental Bank Handbook”

Start Applying this
Inner Bank Exercise Tonight!

Ready For More Financial Freedom
Exercises? Click Here Now

How To Launch Your Own Website in a Weekend

Launch Your Own Website in a Weekend

How I Taught My Friends to
Create an Online Business like Mine

Aloha! I’m Lauren and I am passionate about creating financial freedom in my life and the lives of others. I personally do this through my own
online businesses and helping people become entrepreneurs. I recorded these steps I use so now you can learn some simple steps to create your own successful online business too!

For years I’ve shared what’s working in my businesses and been asked
numerous times if I could build someone’s website. I never have because
I have no interest in becoming a website designer. I much prefer the
entrepreneurial lifestyle and going  snorkeling Monday morning than
reporting to a job. So I thought of a great win-win to create this
blog post by outline the steps and share how I do it. 

I taught my friends how to create their own professional websites
very quickly over one weekend. They learned how to use WordPress,
the predominant way to create websites and manage their own content. Plus WordPress allows for the fancy stuff you can hire the Pros for when you’re ready. Then adding in the advanced steps allows for unlimited monetization! By following these steps everyone can make a huge step
 to create passive income resulting more financial freedom in your life!

Our Weekend Mastermind Creating Websites

Preparation Steps


Hey! I’m so excited you’re about to build your own website!
That’s actually how I started my first business bringing animals
to kid’s parties in Los Angeles. That website has built
Reptacular Animals as the largest in its industry since 2008!
Then I started my next businesses this same way.

All you need to start a business or website is an idea.
I love talking to people and discovering what their big idea is.
The coolest part with starting your own business is you can
grow around your interests or passions. I always loved kids and
animals and BOOM … a successful service company was born.
This website is my blog. Is a blog a business? Well it sure can
be and my goal is to show you how to create a successful
online business by creating a website for anything!

Do you already have a business or website and ready grow?
That’s awesome. It’s up to you if you want to create a personal
blog site as well or just optimize your existing one. Going through
this process will teach you the skills to build an optimized website
and run your own small business so it creates financial freedom.  


Preparation Video

Video showing Research & Outline 


Establishing Website


Determine Marketplace






Developing Your Outline


(Hey you can download ours! That’s the big master Outline )


Purchase Website


Video showing Domain, Hosting, WordPress


Selecting Name

What is a Domain and Hosting, a domain is the address of your site or “” and the Hosting is where the website is stored. There’s companies just for domains or you could bundle them with a Hosting Provider

Picking a Domain Name, if you need ideas pick one that’s catchy easy to spell. Putting words together or adding “-” works well and you can also use keywords

Should it be “.com”, that’s a personal preference. Generally .com is preferred though ultimately the website has so many traffic sources the name won’t matter

Search for Domains, there’s many companies that sell domains. Since I have multiple websites, I find it’s cheaper to use a domain company and then have an unlimited hosting plan. I usually renew for under $10 and always a Google for “promos”. The Hosting providers usually have a higher domain renewal fee of $12-15+. If you are new there’s usually promotions from Hosting Providers to get a free domain for a year when you bundle.


Purchasing Domain & Hosting Provider

It’s a big process to switch hosting providers so choose one for long term


Prominent domain and hosting provider that also offers excellent phone support, template websites and professional designers. Usually a bit pricer. I built one of my original websites using their basic template.




I personally have used them for many domains and been very satisfied. Basic domain provider with consistently lower prices. FYI only email/chat support.



I switched to them in 2017 from BlueHost initially because billed monthly instead of annually and the interface. The phone customer service is super and they fixed lots of things I messed up in the learning process.



I used them for years with several sites and was always satisfied. I had purchased a 3 year plan and when renewal came up I found a cheaper one and I liked the other website back office layout better and switched.


Installing WordPress


Linking Domain & Hosting



Website Layout

Video with Themes, Pages, Categories, Menus, Plugins


Choosing a Theme

Installing Theme

Customizing Theme



Pages vs Posts

Naming Pages

Adding Pages



Using Categories

Creating Categories



Menu Layout

Creating Menus



Types of Plugins

Installing Plugins

Using Plugins


Website Content

Video with Posts, Content, Formatting, Links





Advanced Website

Video with Subscribers, Products, Affiliates





Here are some great resources for how to build and
launch a website. I’ve personally studied many of these. 









Applying the Circle of Profit Book by Anik Singal

How to Create the Circle of Profit

On the front of the book it says “How to Turn Your Passion Into $1 Million” After reading this book I thought even bigger, “Wow! How to Turn MYSELF into a Millions of Dollars just by sharing myself on my blog!” I CLEARLY SEE IT! I took this as confirmation of my affirmation, “I am receiving millions of dollars by being me!” Yippee! And I’m so excited for everyone to create their financial freedom too!

I really am glad that I read the book The Circle of Profit by Anik Singal. I saw Les Brown promoting it on a Facebook video last year and immediately bought it. Turns out two of my personal favorite mentors Robert Kiyosaki and Bob Proctor are both on the cover endorsing it for its business model and skillset. Anik explains the internet marketing system really well and exactly how to do it. I understood it well from my internet marketing background a few years ago. He includes helpful walkthough videos with each section (a few need updating as websites gets upgraded). His teaching is excellent and Anik is generated over $100 million dollars in sales for digital information products.

The book shared step-by-step how to create your own product. I really saw how that is the key to a whomping lot of passive income! I was hooked! This tied into everything I wanted though what was my passion product? I paused the book knowing it held an amazing blueprint for me to follow when I was ready to create my product. I just needed to figure out what it was. And then recently the Circle of Profit started calling me again. Do you ever have books do that?

I had an huge “Aha!” when realized I could turn My Blog into My Passion Product!  My financial freedom journey started towards money and becoming a financially free millionaire by 30. I discovered that goal was empty without Peace of Mind and I was looking for a way to bring together all these parts.  Using Anik’s Book plus my entrepreneur skill set I knew I could do this for my own blog and teach others to do the same.

Creating our own Circle of Profit Websites!
Buying Domains from NameCheap for a great deal – oops domains are free with bundled hosting through iPage!

How We Setup our Websites


Persistance in All Areas

“Effort only fully releases its reward after a person refuses to quit.” – Napoleon Hill

Persistence is a quality I have struggled with a lot. I’ve been told I quit things and have that belief still ingrained in me, much to my disliking. Since my viewpoint is that I quit, then when I do feel compelled to move in a new direction, negative feelings that I am a quitter rise inside me. Am I quitting or being redirected? Do I need to finish all the little things if I’m very clear on the overall direction I’m going?

Napoleon Hill speaks of persistence being what set Thomas Edison and Henry Ford apart from everyone else. “I found no quality save persistence, in either of them, that even remotely suggested the major source of their stupendous achievements.” He goes onto say, “Persistence is to the character of man as carbon is to steel.”

The fact that I am persistent is a huge realization to me. My self image definitely has been programed wanting me to think that I am not persistent, I am flakey, don’t complete things I start, give up when it gets hard, etc. That’s been a powerful belief I’ve had since childhood and continues to pop up and debilitate me as an adult.

A belief gets put into place over time through repetition or from an emotional response to an event. The self belief that I’m not consistent got put into place over years of “authority figures” reminding me about my lack. Then I started to “see” it everywhere that I am inconsistent. However when I view my progress of my goals I have been extremely persistent. I worked almost 24/7 for five years building my first company, went through the foster system for a year and a half to adopt my children and knew I would build a new life in Hawaii and created an amazing one in less than a year.

On my big goals I am very persistence and achieve them. It’s the day-to-day things that still rattle my self-image. Now I have to two events I bring up when I need to “call upon” my belief that I am persistant. The first one was jumping off the telephone pole at PSI-7. I learned when it gets challenging I talk myself out of my desire, even when I’m 95% there! In that case I kept persisting on figuring out how to climb onto the top of the telephone pole and succeeded. Once standing up, then I got to jump off and catch the trapeze which is the image I had in mind. I have used this new belief about myself with persistence many, many times in the year and a half since the pole when I wanted to quit in all different areas of my life.

My new persistent attitude towards hiking stemmed from my Kalalau journey. On that 11 mile hike down the Na Pali last summer, there was no doubt in my mind I would make it to the end. I saw myself there! Even when I got lost 8 miles out and had to spend the night alone without my tent, I still knew I would make it to the end – as angry and exhausted as I was! After that experience now I know I can complete any hike and set off with that belief and that’s been my new experience.

On Saturday I went with my hiking club to Guardian Falls which is on the way to Mt Waialeale, the wettest spot on Earth. It was an epic hike and very challenging. I wanted to quit when the rain started and several times when I felt a lot of fatigue the desire to quit popped into my mind. However every time the suggestion to quit, or even stop for awhile, I kept going and almost immediately the negative feeling passed. As soon as I felt better, the group would reach the destination or opt for a break. Coincidence? Hehe, I think not! It was just another lesson for me in persistence and who’s in charge of creating my experience – my positive intention or the negative opposite?

Writing this post on persistence was on my mind all day yesterday, too. I woke up feeling negative and the feeling lasted all day. I also am very clear on the principle that what I resist persists. I do not want this feeling to persist so instead my day got detoured. The most important thing to me is how I feel so I use negative feelings now as a wake up call to reassess things and stop to figure out what is bothering me. Yesterday my negative vibration kept attracting “ugh” things – nothing too bad just not positive and free flowing. Customers asking redundant questions, workers not communicating, just stuff like that. And it was my goal is finish this post and just didn’t feel like doing it. So instead I did things yesterday that made me happy to create a better tomorrow. And today, I felt better! Though it’s still been hard finishing this post. Persistence, being committed to keep going at it! It doesn’t have to be perfect, it doesn’t have to be on-time necessarily, it just has to be constant. And if you’re constantly going in a direction you want to go in, you’ll arrive!

I am SOOO glad for hiking because it is a wonderful experience of the rewards of persistence! Here’s some of my favorite photos including passing the spot where the original Jurassic Park sign was 

Results: Negative or Positive

Guess what! You can choose if your result is negative or positive because all significance is assigned by people. If I decided something is positive then I’m happy and if I view it as negative I’m not happy. In both cases, it was my decision. And if it’s it my decision do I have to feel negative if I don’t like the result? I only want to feel positive to attract more positive in my life. So I’ve learned how to switch positive when confronted with a result I deemed negative. 
This week I realized I have so much on my “must do” list that I haven’t even gotten to my “have to” and “need to”, let alone my “want to” tasks. How am I ever going to completed anything? The happy thing for me is I always have what I need before I realize I need it. (I love that I have that belief and definitely reinforce it!) In this case, I hired a Virtual Assistant last week before I realized how much I needed one. I budgeted time Thursday and part of Friday (if needed) to complete the updates on all my AirBnB listings. As I completed the work, I documented how to do it so I’m creating the training manual for my VA in the process. Love to multi-task! However by Friday night I had only completed about 20% of them. Woah! All this time invested and I’m stuck working in my business rather than working on my business. I was not happy about this and especially spending days on it! Now it’s Sunday night, I feel really negative when I look at my results: I only updated 50% of my listings.
 I spent all my valuable time and only halfway there! This result definitely made me feel negative. (And note “made me feel” so I’m being a victim.) I also know don’t want to stay with negative thoughts. So this is how I started to switched the negative thoughts into positive. I started thinking about what else I accomplished during the same times. I created a lot of other results in the same time frame. I’m apart of an accountability group and it’s been very helpful to me to track my progress in all areas. And tonight it comes in really handy. Since Thursday in addition to updating 50% of my listings, I wrote 50% of my VA Training Manual, had 3 meaningful phone conversations with friends/family, been on 2 dates, discovered a Hawaiian burial ground, watched a movie, picked up items for my new bunkhouse, attended Farmers Market, read a book, cooked healthy meals and did a bunch of other things. Just writing it makes me feel more accomplished and feel more positive!
Non loves watching Bob Proctor right now and I love having it on in the background. On those lectures it really sticks how I’m going in the exact direction I want. Positive! And there’s no doubt I’ll get there. Well it’s my doubt alone that determines if I won’t get there because “Certainty certainly brings certainty.” I definitely don’t want negative and the only way to ensure that is to focus only and what I do want which is positive. So in this case my results “feel negative” however because I want to create more positive results I can choose to “feel positive” by focusing on all that I did accomplish. And that list is pretty awesome! Another great lessons I realized this was such “task oriented” work. I am consumed by so many tasks in my business my focus needs to be shift that to my VA. There are so many ways I’m eager to work on my business! 
And that’s exactly how you “switch” which is to take negative energy and switch it positive. See it’s all the same energy. And all energy vibrates and moves and attracts. And as humans we continue that energy with our feelings and emotions. In this case I’ve been having wonderful, positive results in my business and personal life. Then Sunday night comes and I look at a goal and feel disappointed with only being halfway complete. The disappointment soon spiraled to more intense negative feelings and thoughts. Some included guilt (lack of time bc I had a great outing), fear (lack of money didn’t get to work on new biz), doubt (will I reach other goals) and this is a list I don’t want to keep brainstorming. 
If I didn’t or don’t stop this thinking and feeling, then that negative energy starts to attract negative results. When I switch how I feel then I can keep attracting more positive results. I am so grateful for the ability to “switch” how I feel. This is an ability I developed through an awareness I gained during PLD of the PSI classes. Like all abilities it’s a muscle I’ve developed and do a great job staying on course. I know this because I keep reaping positive results!



Infecting with Contagious Positivity

I love being conscious of and connected to how I feel! See the way we feel is directly tied to our thoughts and the results we get in life. I used to not feel good, even when accomplishing my goals. What good did it matter I didn’t feel good?! 

When I moved to Hawaii sight unseen to start 2015, people asked me why I moved. “I moved to Hawaii to be happy!” and it’s so true and people love that response. I moved to start a new chapter after selling my company of six years. However the feeling was what I was after. I wanted to feel happy and I openly admitted I didn’t know what made me feel certain ways. I “wanted” it tho could never quite feel the way I truly desired. 

I’ve mastered intention setting especially from all my personal development in PSI. So I set the intention for a feeling and headed to Hawaii. I was happy though the feeling was fleeting after I moved and began stressing to create new income. After 2 months of living in Oahu I realized I spent most of my time indoors working.  That was not making me feel happy! 

So I got clear again and put happiness first. By that point it was April 2015 in Honolulu and I took some big steps in the direction of happiness. I freed myself of a negative ex, got my new Airbnb running and followed my heart to Kauai on May 12. 

May 12 was the day I started putting ME first! I bloomed with happiness and felt alive!! On Kauai I experienced so many incredible things and the best was connecting with me. I ended up adventuring for 7 weeks and slept indoors only 1 night! It was amazing and all the time in nature definitely supported me in my pursuit of happiness. 

All my time on Kauai culminated in spending 10 days in the epic Kalalau Valley. Hiking back the 11 miles, I have never felt so powerful! I found my happy place (think Peter Pan). I captured that energy of love and happiness and cultivated it ever since. Now people exclaim over how happy I am and love being around my positive energy. I work a few days a week at the Olympic Cafe in Kapaa and love arriving to share my joy with everyone. I love infecting people with happiness!