It's been two years in two different cities and I've meditated near daily. The past two years between Brooklyn, N.Y. and Honolulu, HI, have been a miraculous, tumultuous, ultimately joyous unfolding of events and moments, expressions of creative genius; I can attest that meditation has been the true constant through it all. It's allowed me to attract dream opportunities, ideal love, live a pretty exciting life, and most importantly go day by day with an enduring sense of inner peace no matter what's going on outside. Russell Simmons and Kung-Fu movies would be my initial introduction into meditation, but my real journey would begin three years ago when I went to my O.G.'s house. He told me the movies were all about breathing and meditation, and how he'd used the material to build himself a small fortune and remain youthful even as he approached 70. Of course I was interested; this was exactly what I'd been searching for. Few people know what meditation is: going into the Silence of your own Being. It's been such a game changer in the overall quality of Life and buoyancy of Spirit I've enjoyed these past few years, and I'll share with you 5 steps to help you meditate like a boss, master your inner game, and dominate in the outside world around you.

1. Same Place

The mind has an interesting ability to condition itself to enter the meditative state with more and more ease as you do your practice in the same place and preferably at the same time. This is not to say that you will not reap the benefits of meditation if you lead a life that doesn't allow you to practice in the same place and same time, but it is a huge boon to your practice. Assume an attitude of gratitude, and open your mind to hear the Voice of Spirit speak to the Physical.

2. Spine Erect

Prior to my journey into meditation, I had been hit by a car while riding my bicycle, and doctors told me that I'd experience pain and discomfort in my neck and spine for the rest of my life. As sitting in meditation requires a straight spine, it took even more effort on my part, but boy what a reward. As I write this, I experience no pain, and I never will again. Sitting with the spine erect allows optimal energy flow throughout the body: "The sevenfold position is the most natural way to sit so that we place the physical organism in perfect correspondence with the living, moving force of Life itself throughout the Universe."

3. Control Breathing, Relax Muscles

Use your breathing to begin to relax the body. If there's tension, direct breath to the tense areas as you inhale, and release the tension from your body as you exhale. Flex the body so that it goes limp, and place your hands on your knees, enjoy the sensation of the electrical flow of energy through your body. If you do nothing else but sit still and focus on your breathing for a few minutes a day, you'll already be making leaps and bounds.

4. Relax, Watch Your Mind Movie, Then Take Control

Now let us do with the Mind what we have done with the Body. This is where most beginners get tripped up, but what's about to happen is natural. "...my mind is jumping about...it seems like a maddened monkey. It brings me all kinds of ideas. I think of something in the office, something at home, did I lock the garage door, I wonder what is going to happen, I am thinking of this, I am thinking of that; all kinds of ideas are passing rapidly and in medley and chaos through my mind." Worry not, just sit and watch: this is your mind's movie as all the ideas on the top layer of your mind swirl around and show you your thoughts. Enjoy the show; with stillness the rush of thoughts will slow down, and you'll be able to take the wheel and take control. As your practice continues you will feel more and more of the infinite inner stillness, the ocean of internal peace.

5. Enter the Realm of Miracles

Once swimming in the ocean of internal peace, the mind is now open to receive the divine energies of the Infinite Source. This is where you can introduce affirmations that reprogram the mind, ask for answers to seemingly impossible situations, attract the right people and circumstances. From the outside some may comment on how "lucky" you are, but you are well aware of the internal work you have put in that has the caused the gateways of the kingdom to pour forth all of its riches unto you.

*Bonus #1. Step 6. PRACTICE !

This can't be overstated. Consistency will increase results exponentially. There's no cheat codes to this, and no one else can do the work for you, but the benefits received far far outweigh the price paid.

*Bonus #2. A Cheat Code

Even still there are always things you can do to make getting started and staying consistent easier. Here is a video to a personal favorite guided meditation that I listen to often and has helped manifest miracle after miracle, blessing after blessing. It's a five minute quick meditation that will give a boost to your day whenever you take a little time to listen.

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I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.

There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).

After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.

It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.

That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.

I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.

Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.

Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).

More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.

The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.

I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.

Update: Our friends at Truebill are extending a special offer to our readers! Follow this link to sign-up for Truebill.

My buddies and I always try to make it out to a game, but we never really care which one we end up at. Obviously we have our favorite sports and teams, but it was rarely about what game we went to or who we saw playing. It was about watching the game live.

In the early months of lockdown, all we had was Korean baseball, and trust me, we loved it. The only issue was, none of us had any idea what the commentators were saying. Even then, a few of my friends weren't huge fans of baseball. They were into sports like football and basketball, ones that moved at a quicker pace with less down-time in between plays.

We decided to see if there were any other events going down and came across horse racing. Yes, horse racing. It was perfect--short, fast-paced, and most importantly, an opportunity for betting.

I had never really considered watching a horse race any time other than the Belmont Stakes, but the prospects of the sport seemed exhilarating. Even better, with horse racing we knew we could still recreate the atmosphere of a race track. Salty snacks? Check. Stale beer? Check. A simple and easy way to bet? Check.

One quick Google search later, we came across TVG, powered by FanDuel. It's an online betting platform that takes you right to the heart of the action. We were a little apprehensive about using a mobile app to place our bets, but TVG's ability to bet on live horse races from all over the world was too good to pass up.

Here are 5 reasons why we are obsessed with horse racing thanks to TVG:

1. Betting has never been easier

Use your phone or computer to watch and bet on live horse races in real-time. TVG offers a bunch of features to make betting even simpler--live odds and handicapping tips leverage recent learnings to help you make your best bet. Not to mention, TVG's exclusive race content and wagering guide offers an under-the-hood look into the strategy behind horse race betting.

2. The biggest selection of horse races out there

If you're looking to drop a little dough on a horse race, chances are your best option is your local race track. But watching the same few horses races over and over again isn't the most exciting thing. With TVG you have access to over 150 tracks worldwide with races happening consistently throughout the day.

3. Get a generous sign-up offer when you place your first bet

Once you register your account, you will be eligible for a $200 risk-free bet. All you have to do is place your first bet and you're covered. If you happen to lose, TVG will insure you for up to $200 as a sort of wagering credit. I may have been a little trigger happy when placing my first bet, so having this insurance was a great perk. There are also a bunch of promotional offers available year-round.

4. Making deposits and cashing out at the touch of button

With a ton of payment options such as PayPal, BetCash, debit/credit, wire transfers, and other third-party services, making a deposit is a breeze. But what about the payout? Depending on your deposit method, your withdrawal will be available in a few days. No more waiting in-line to collect your winnings!

5. Watching live races with your friends while betting is exhilarating

Even when we were watching Korean baseball, Zoom calls with my friends were a little dull.

With TVG, we haven't had this sort of fun in months! Every weekend we'll turn on a race and throw our bets in. After a few races, and quite a few drinks, we'll tally up our winnings to see who won the most! Sometimes it's not even about making money, but just having a good time.

TVG is the perfect way to add a little excitement to an otherwise mundane afternoon. It introduced me to the world of horse racing, a sport I never would have considered otherwise.

The races just keep ramping up and thanks to TVG, I can always get in on the fun.

UPDATE: The biggest derby in horse racing is THIS WEEKEND. Get in on the action with your $200 risk-free bet!

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