Love For Money

[Mina Meiss]

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My guest on HerMoney this week was Joanna Coles, editor-in-chief of Cosmopolitan. Coles is known for being more open than most people to talking about anything, including money. In fact, she said, she spends a good deal of time and ink in the magazine on the topic of financial psychology, from getting out of debt to reclaiming your power in relationships both at work and at home.

Start by making a list of what you earn, what you own and what you owe. The first two numbers should be heading upward, the third (particularly when it comes to your high interest rate credit card debts) should be headed down. Make the most headway by prioritizing high-interest-rate debt. Then, revisit your investments to make sure you're putting a solid 15% of your income into your combined savings/investment accounts. (If you're getting matching dollars from your employer, those count toward the 15% too). If you're living so close to the line that it seems impossible to save anything, start by automatically contributing 2% of whatever you're earning to your savings account or retirement plan. Once you see you can do that, you'll know that you can do more.

Your money mindset is impacting your relationship with money, preventing you from attaining the prosperity and abundance you desire. These limiting beliefs are often rooted in our pasts and have been internalized and accepted as truth.

And while most of us desire more money or material wealth, we also want abundance in all areas of our life. If we have a ton of money in the bank, but are bankrupt in the area of health or relationships, for example, is this really true success?

One of the first steps to generating greater abundance in your life is to align ourselves with an inherently abundant universe. To start attracting this abundance to you now, click here to access your free meditation!! >>

Hi Chitra. Thank you for sharing this part of your journey! I really appreciate it. The important thing I would share with you is to remember that money is really only good for this purpose: it is what enables you to be comfortable enough, so you can be creative enough, to really give the gifts that are within you to the world.

I believe that since money is needed, a person should love what they do to make money, honest money. People should love to care for themselves with. Their money, not love but appreciate what money has and can do for you, help make the earth better with money since it came from the earth.

Yeah thank you mary

Now i fully understand and i will find im my subconscious any blockages and i will replace them. Love money love life love human species .

you agree because love is what that attract thing love money attract money. Love is our magnet.

Hi Mary, thank you Soo much for your incredibly inspiring story!! It moved me deeply and I felt a big shift thank you from the depth of my soul. Bless you and all your loved ones now & always. I am a spiritual director working on my first book now and hope to speak to you in person one day. I may also upgrade my coaching skills with one of your programs as well.

The bustling city of Kisumu, the capital of Nyanza province, Kenya, lies nestled by Lake Victoria, the largest freshwater lake in Africa, and only a few miles from the equator. A stroll through its main streets yields a display of an apparent clash of worlds and cultures. There is the Africa we know: the busy human drama of mitumba (secondhand clothing) women, market traders and hawkers, street children, fishermen and the pungent smell of fresh and smoking fish, house flies and mosquitos, numerous bicycles and matatus (public transportation vehicles) hooting through the town, and travelers stopping by on the way to or from Uganda or Tanzania. And there is the Africa we are coming to know: tarmaced streets, a prominent Citibank building (taken up by another company), Internet cafes, international nongovernmental organizations (NGOs), and English billboards prominently advertising pay-as-you-go Safaricom mobile phones and Trust condoms. The exuberance, color, and activity of Kisumu, however, mask the slow and terrible unfolding of a demographic catastrophe. A survey conducted in the late 1990s revealed that, among its young women, almost 30% of 15-19 year olds and almost 40% of 20-24 year olds were HIV positive, carrying a virus that would kill them in six to ten years. These were three to six times the HIV rates of same-aged men.1 Unfortunately, the gender disparities in this survey were not unique to Kisumu, Kenya, but were reflected in study after study across sub-Saharan Africa, the world's most affected region. Despite having only 12% of the world's population, it has 69% (23.5 million) of people living with HIV/AIDS, 70% (1.2 million) of AIDS-related deaths, and 71% (1.8 million) of new infections.2

Women now make up approximately 60% of Africans living with HIV/AIDS,3 and young women are at particular risk. In 2001, in AIDS, the official journal of the International AIDS Society, an influential editorial comment was published with the title, "To Stem HIV in Africa, Prevent Transmission to Young Women." The authors noted that "the high HIV prevalence among women aged 15-19 years could be critical in provoking and maintaining an explosive HIV epidemic."4 The editorial concluded by urging policy makers to focus their efforts on this group of young people. The issue becomes much more salient in light of the current burgeoning youth population in sub-Saharan Africa: 41% of Africans are under age 15.5 Girls in this demographic group are on the brink of their greatest period of risk of contracting HIV. This situation offers both an extraordinary opportunity to halt the epidemic and potential disaster if the HIV epidemic is not stemmed.6

Despite the early call for action, gender differences in HIV rates among youth in sub-Saharan Africa continue to be widespread and have been confirmed over the subsequent decade in several larger and more representative surveys than those that prompted the comment.Further, these disparities tend to persist until youth reach their mid-30s; after that point, we start to see substantial variation by country in which gender has higher HIV rates.7

Figure 1, for example, shows findings from a sample of national surveys of HIV-prevalence rates among young men and women in selected high-prevalence countries in sub-Saharan Africa. It illustrates not only the high burden of HIV in countries such as South Africa, which holds the world's largest HIV-positive population (over five million people), but also the variability across countries in the size of the disparity between young men and women. In South Africa, 31% of 21-year-old women are HIV positive, a rate that is five times higher than same-aged men, who have a prevalence rate of 5.6%. However, in Zimbabwe, 15-19-year-old females' 6.2% HIV prevalence is only twice as high as same-aged men, who have a prevalence rate of 3.1%. On average, young African women are three times more likely than young men to have HIV;8 however, as the figure illustrates, this average masks widely varying levels of disproportionate risk. Indeed, this variability in youth-gender disparities across the region suggests that this is not merely a story of biological sex differences. Something more is at work.

The youth-gender disparity from ages 15 to 24 matters because young women have so much more to lose than men in years of life that are disease free and in life expectancy. As figure 1 illustrates, substantial numbers of people are contracting HIV on the cusp of adulthood. In the absence of antiretroviral medication, many are dying early in their marriages, leaving behind young children. For men, not only are they acquiring HIV at lower rates than women in their adolescence and early adulthood, but their peak HIV prevalence is also much later, in their late 30s or early 40s. This means that they lose far fewer years relative to their life expectancy compared to women.9 An important place to start, then, in investigating the gender disparity in HIV rates is to investigate the period in the life course when these disparities emerge and self-perpetuate-the transition to adulthood.

A "transition to adulthood" framework provides a lens through which to examine social processes and experiences salient to youth in the period between puberty and adulthood. It is a useful way of exploring the lives and developmental changes and challenges experienced by African youth by allowing the examination of key transitions such as relationship formation processes (including sexual initiation and the culmination of relationships in marriage or a stable partnership), the pursuit of education, finding employment, attaining financial independence, becoming a parent, and transitioning residences (principally moving out of the parental home).10 Importantly, these life course transitions co-occur: relationship decisions can be shaped by educational decisions; financial independence can determine residential transition.11 This co-occurrence of many life-changing and life-impacting decisions creates for young people a thick web of life events that is reflected in the fact that many experience their transition to adulthood as complicated and confusing. Because of the lifelong significance of many decisions made during this period, transitions to adulthood are sometimes characterized as risky. This recognizes the fact that mistimed (early or delayed), missed, or unsuccessful transitions to "normal" adulthood, or events and actions that interrupt an otherwise smooth transition, can have potentially long-term implications for educational attainment, lifetime income, and job prospects and health. Substance abuse, juvenile delinquency, teenage pregnancy, and HIV, for example, can complicate or even derail a young person's successful transition to adulthood by limiting their ability to enact other transitions such as finding employment, achieving financial independence, and forming stable long-term relationships.

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