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Having a peak experience seems to occur in the time-free zone of present moment awareness, a transcendent glorious moment that is the substance of real miracles.

To be in the moment is of complete bliss and elation. These instants where time does not seem to tick are extraordinary and often compared to spiritual awakening events.

The truth of real miracles can not join us anywhere in the future or past, because neither exists. Only in our separated and fragmenting, dream of life, where we depend on time and material form, are future and past a thought.

Present Moment Awareness

The glorious moment of eternal oneness has no clue of any such awareness between future and past. The past is only what you thought it was, and the future is only what you think it might be.

Both are unreal.

Anything real can only be here, the glorious moment of now, in this instant, and then it is gone, and a brand new instant is immediately born.

Think about a glorious moment you’ve had when you had no thoughts of future or past, such as those timeless moments during sex, or dancing, or total engagement in joyous, thoughtless “flow”- type activity. Yes, real miracles!

We all have had a peak experience, or we may say, peak-level moments, a glorious moment without any influence of regretting the past or predicting the future.

Being in the Moment

In this particular writing session my goal was to be in the moment, living in the moment that began at 5:30 AM and it’s now 7 AM, an instant in reality where clock-time has no meaning.

Sure, there was some unpleasant as well as pleasant background interference of the early morning– a car with a bad muffler, a neighborhood dog, birds in the park across the street singing, as the sun rising, but it was nothing that could interfere with my present moment awareness, or my mission at hand during the instant of real time, which is no-time.

Only in these instants, when you are determined to see the ego for the nothingness it is, will you accept the Holy Spirit–your inner divine Guide, as the presence of your mind that exists only in the glorious moment of, the now.

Real Miracles

The Course in Miracles asks us, “How long is an instant?”

In this present moment awareness it’s the length of time it takes you to choose, and live inside, the Holy Spirit’s right-minded thought process, over the wrong-mindedness of the ego always plagued with guilt.

In these instants you meet your own holiness.

Course in Miracles further teaches us that, “Each instant is a crystal and clean clear, untarnished new birth of thought, and is your glimpse of eternity.”

The glorious moment of eternity never sees the past or touches the future, but is always in this instant, or we may say, now.

It’s in the holy instant where thoughts of past and future are not alive to keep you from a peak experience.

When an impure thought strikes you, in that instant ask the Holy Spirit to replace it with pure, right-mindedness. He will never fail in delivering this to you as a holy instant.

When you act from within the holy instant real miracles become an everyday way of life.

To living in the present moment!

Everybody wants to know which Clickbank products to promote! Ain’t this the $64,000 question? To begin to understand the most profitable Clickbank products to promote, you first need to understand a little about how Clickbank groups their products and how they are ranked. Clickbank basically has four factors by which they organize the products in their database.

% Earned Per Sale. This is the average commission earned per affiliate per referred sale.

$ Earned Per Sale. This is the average net amount earned per affiliate per referred sale. This figure is affected by refunds, chargebacks etc. Hence, it is Net.

% Referred. This is simply the percentage of the Publisher’s sales that are referred by affiliates.

Gravity. This is the number of unique affiliates that made a commission by referring a customer to a publisher’s product and the customer purchasing the product. Clickbank lists it not as an actual number but as a weighted sum. Gravity is basically a measure of the popularity of a product and how well the product is selling. A higher number would indicate that a product is selling well. Of course, this means that there are others selling the product, which means that there is competition. What is a high number? 40 or higher would be what I would call high.

So, How Do We Use These Numbers? I think the best way to use the information Clickbank provides to us regarding the digital products in its database is to first aim for products with a fairly high gravity number but that also have a low refund rate percentage, which equates to promoting a product that is selling well but also is being refunded at a low rate. This would indicate a quality product. (Remember that just because a product sells well does not mean it is a quality product, it may just have a fantastic, high converting sales page and the actual product may be a dud, thus prompting many refunds. So, we need a way to calculate Refund Percentage Rates.

How To Calculate Refund Percentage Rates Here is a formula to use in order to calculate the Refund Rate of Clickbank products:

(Product Price – 7.5 percent) – $1 = Clickbank’s commission on each product sold Product Price After CB Commission x Payout percentage = Your Affiliate Commission - $Earned Per Sale = The Refund Difference ($Refund Difference / Affiliate Commission) x 100 = Refund percentage Let’s Try An Example With A Current Clickbank Product We’ll use The Forex Trading Machine as our example.

Data:

Product Price = $97.00

$ Earned/Sale = $40.15

Payout % = 50%

So,

Clickbank Commission = ($97 X 7.5%) + 1 = $8.28

Post Clickbank Commission Price = $97 – $8.28 = $88.72

Affiliate Commission = $88.72 X 50% = $44.36

Refund Difference = $44.36 – $40.15 = $4.21

Refund Percentage = ($4.21/$44.36) X 100 = 9.49%

What does this mean to us? Well, first off, I think that any product with a Refund Percentage of less that 10% is a quality Clickbank Product. Clickbank will tell you that every product can be assumed to have an inherent 5% Refund Percentage Rate due to consumer fraud. So, less than 10% is pretty good.

Why do we care? Because you don’t want to spend your time and money promoting a product that is going to end up generating a lot of refunds. You would, in essence, be wasting your money, as a high Refund Percentage will certainly lower your Return On Investment. Remember, Return On Investment is simply measured as the amount it costs you to generate a certain amount in sales. If you spent $5 in Google Adwords® promoting a product and you made $10 from this advertising, your ROI would be 100%, which is excellent.

Generally speaking, products with High Refund Percentages yield a lower ROI. Not good. So, I would stick with promoting products with a low Refund Percentage in order to prevent a low ROI and also promoting high quality products with high customer satisfaction just makes sense.

Credit card debt negotiation has become essential when the borrower is unable to pay the requisite dues within a stipulated time. Negotiation can be defined as an art of settlement between two or more parties. Striking successful negotiation plays an integral part in an era of globalization. Negotiation has played an important role from times immemorial. An effective negotiation will definitely go a long way in helping the defaulters to overcome their financial crisis. Lower interest rate charged by the lender can be successfully arrived at if one approaches the debt settlement agencies.

The negotiation companies skillfully manage to convince the credit card company on behalf of the borrower to lower the entire dues to such an extent that it is beneficial to both the parties. The lender now realizes that if he does not pay heed to the debt relief company then it will be a loss to him. The consumer has reached a saturation point where he is not in a position to repay the entire amount along with accrued interest. He may also opt for filing of bankruptcy as a last resort. Thus, the creditor will not get anything. In such a situation, the smart option for the lender is to go in for a credit card debt negotiation process whereby he will be able to recover a substantial amount of his dues.

An expert helping hand is needed because you are not aware of the loopholes you might face if you handle the process of negotiation yourself. The expertise requires a professional who will fetch you out of your financial disaster whirlpool. The negotiation process requires you to be a little knowledgeable. You should have sound knowledge of what amount you owe, the interest accrued on it, to which you have to pay, along with their charges. Maintain an accurate account of what you have borrowed and the amounts to be paid on the borrowings. Things will brighten up a bit if you are aware of your financial standings. Negotiation can bring about an immediate relief provided if you keep on asking for a viable solution. One of the ways by which you can pay in monthly installments is by asking for a favor from your creditors. Explain that you are willing to clear off your debt as soon as possible but that can be achieved only if a lower interest rate is charged.

The credit card debt negotiation proves its utility and thus this facility can be availed of by one who has landed himself in high debts.