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The Power of Prayer & Positive Thinking

The following true events are captured in more detail in my inspirational booklet, 26 Steps to Spiritual and Financial Riches: How Spirituality Led to a $7 Million Gain. Enjoy!

It was on a Sunday, our holy day of festivity, that I attended the Gurdwara in Plainview, New York. As the congregation shuffled into the temple, I began to notice that we had grown in number over the years. On this particular summer day, it was quite humid which made the overcrowding more of an issue than something to celebrate. Certainly, I was delighted in our increasing congregation but I noticed that in a very short period of time, we had begun to run out of room in the temple. Space became an issue, as many people where not able to sit down with the others. Having felt that I have received so much in keeping my faith strong, this situation created a sense of desire inside me to build up a bigger temple or find a more appropriate space for the congregation, especially because I am a real estate investor

This scenario served as a backdrop in my mind and I felt as though I needed to turn to prayer. I pictured in my head taking a walk around my home and property. It did not take me long to realize that it is not right that my house is so big but God’s house, where our Sikh community goes to worship, celebrate, and socialize, is so small. There with the congregation of the temple, I made a commitment to myself that I would remain determined to find a suitable property for establishing a bigger temple. At this point, I promised that I would not work on my real estate ventures until I succeeded in finding an appropriate place for us to congregate and worship.

The very next day, fairly early in the morning, a real estate broker knocked on the front door of my home. He told me that he knew of a property that I might be interested in purchasing for investment purposes. We agree to view the property at 100 Lattingtown Road in Glen Cove, New York. This is a sprawling property, consisting of a 32, 000 square foot palatial mansion on 15.43 acres of land. The building itself was gorgeous, as most of the paint, fixtures, and furnishings were brand new. It was one of the most pristine properties I’ve ever come across in all of my real estate endeavors. The property is located in picturesque environs and is surrounded by areas of naturally occurring water. Even though this beautiful mansion sits on a large amount of acreage, it is also within walking distance to a bordering beach front and golf course.

Taking the wonderful property and scenery into my mind, I was immediately reminded of my prayer and goal from the previous evening. I thought to myself ‘This cannot be for my business ventures; it must be for the community.’ After all, it is a property fit for the king of all kings. This thought simultaneously ignited in me a feeling of submission to God. I begged Him to give me the strength and positive attitude necessary to overcome any obstacle that may come my way in acquiring and claiming this great property as a location for our new temple.

As the broker could clearly see my excitement about the property, he told me that Uni Bank had lien of $8.2 million on the property which the bank intended to foreclose. I told him that I would take some time, think about the situation, and get back to him. When I went home, I rustled up statements from various banks to see what type of cash I had available to present an offer. These totals amounted to $1.2 million so that became the offer I extended to the bank. At first, I was laughed at, but I insisted that the bank official think about the offer; after all, the money I was offering was $1.2 million in money, but the prayers that came along with it carried much more weight.

In a few days, prayer, the most important and powerful ingredient in this transaction, proved to be beneficial to my cause. When the bank officials called to tell me that they would sign the contract for my special offer, I felt that my prayers had been answered and that I was blessed with the responsibility of serving God and the community. I thought to myself that this was not only a demonstration of God’s work but also of my belief, good intentions, and power of prayer. Since the appraisal of the property was over $8.2 million, with the value of the land alone over $3 million, I was very happy to know that I would be able to provide a new, large temple in a building that would cost no less than $5 million to build.

This story is of tremendous importance because obstacles were continuously presenting themselves. But I would not allow them to obstruct my path and goal of establishing the new temple. Soon after the conversation with the bank officials, I went to meet with officials of the City of Glen Cove to tell them of my intentions and inquire for their permission to establish the property as a temple. Not unlike those at the bank, the city officials poked fun at me and presented me with an obstacle to overcome. Due to the size of Glen Cove, having only a small radius of five miles, the city officials were concerned with the possibility of them losing $200,000 in annual property taxes because of my commitment to establish our would-be temple. Since the temple would be considered a non-profit organization, the city would indeed lose that large amount of property taxes if the temple was established.

The staff of officials repeatedly told me to just “forget the project.’ Rather than letting this negativity deter me from pursuit of my goal, I relied on my positivity and faith in self to go forward, purchase the property, and face the challenges as they arise.

Inspired by the obstacles already described, I made an effort to contact the officials of the temple in Plainview to tell them that I would appreciate their presence at the meeting I had set up with the bank officials in Manhattan to sign the contract. The four officials of the temple agreed to accompany me to the meeting. We arrived and were asked to be seated, while waiting for the bank officials to arrive in the boardroom. Before the point in the meeting where the bank officials were to have us sign the contract, the four officials of the temple walked out, leaving me alone. The temple officials saw the possibility of having to explain to the congregation, in case the permissions to operate the premises as a temple were not granted.

The bank officials were disillusioned by their decision to walk out and decided to sign the contract under my own name. Due to my familiarity with such business proceedings and the potential risk involved with having my name on the contract, I bore sole financial responsibility and signed the contract. Assuming the responsibility moved me to write them a check of $120,000. At this point, I knew there would be bigger challenges to overcome, so this particular obstruction further encouraged me to be more positive. The news and possibility of having a new, larger temple quickly spread to the congregation and community. As a result, the officials later began to cooperate with me and compensated me for my faithful monetary advance.

As originally anticipated after my initial discussion with them, the City of Glen Cove refused to give us permission to establish and operate the property as a temple. Instead, the congregation and I were forced to endure a two year struggle. As if to test our will, the city insisted on surveying the area and completing environmental and traffic studies, in addition to seeking permissions from 50 other agencies during this period of time. I remained steadfast and continued to pray that our goal would be reached.

Over the course of this process, I received offers from several prospective buyers who were willing to buy the premises from me for $4 million, thereby enabling me to make an easy profit of over $2 million. Meanwhile, the officials of the temple became so impatient with this process that they held an emergency meeting to discuss the selling of the property for only $1.6 million. It was at this time that I felt compelled to show the officials the letters I had received. I am truly thankful to God that He did not let me yield in my stride and succumb to the temptation of easy money over my selfless pursuit. I am confident that it was God who stood with me so I could maintain my integrity and the commitment I had made two years earlier.

After seeing the various letters from prospective buyers, my will to not give in gave the officials of the temple no choice but to leave me to continue my struggle with the City of Glen Cove. And with the cooperation of the congregation, the permissions to continue were finally granted.

During this long, drawn-out process of getting the proper permissions for establishing the temple, the City of Glen Cove persuaded me to purchase a shopping mall located at 24 School Street. In an effort to revitalize the downtown area of Glen Cove, the city officials wanted me to purchase this property which had been mostly unoccupied for several years. I initially had no desire to go through with purchasing this property. . Furthermore, I felt that it went against my traditional business sense. Nevertheless, I felt that it would help put me and the temple in the good graces of the city officials. Moreover, I saw acquiring this property as beneficial because it would help maintain good relations with the city.

Soon after I purchased the property, however, Staples Department Stores decided to build their new store very close to the 24 School Street property. Amazingly, I started receiving lucrative offers that would enable me to make over $2 million above my original purchase price. Interestingly enough, just as the city officials had coaxed me into purchasing the property, they now pressured me to sell this property. Again, to appease the city of Glen Cove by helping revitalize the downtown area, I had to consider my options and keep the temple in mind. The very council that had me purchase this shopping plaza now wanted me to sell to a chain department store called Swezey’s.

I thought about this situation a great deal. Since I could easily gain a profit of $2 million from someone other than Swezey’s, the obvious decision to make would be to sell for more money. Keeping my promise and sense of commitment in mind, I yielded to the desires of the City of Glen Cove and sold the property to Swezey’s Department Stores. Clearly, making money was not my priority in this situation, as I didn’t stand to make a large profit in this transaction.

Ironically, this chain of department stores, which had been in business for over 100 years, went out of business a couple years following the establishment of their Glen Cove location. I, in turn, following through with my motivation and goals, had made up that $2 million profit on my investments elsewhere and remained in the good graces of the City of Glen Cove.

In fact, the City of Glen Cove was very pleased with me, thereafter. The same city officials who initially laughed at me and were ready to chase me off their premises now were willing to grant us the permissions for operation of the temple. Throughout the strains and my persistent efforts, I am now happy to tell you that the City of Glen Cove was given the title of being ‘Sister City of Amritsar,’ home of the holiest Sikh-Shrine. The mayor of the city himself proclaimed that “the fragrance emanating from the Golden Temple shall abound here in the United States of America.

At this point in time, the triumph of the temple was not yet complete. As I mentioned earlier, the property taxes were supposed to total around $200,000 a year. The reduction of these taxes to zero required the hiring of lawyers and many hours to achieve. As a result, the attorneys working on the tax situation demanded a fee of $57,000. Seeing that I had overcome so much in establishing the temple already, I turned to this situation with the same positive attitude and prayers. I called the attorneys and offered them a meager sum of $3,000 as compensation for their initial fee demands. Although not likely, I somehow felt it was possible because I was true in my intentions and remained strong in my commitment to my faith and the temple congregation. In response to my small offer, all I heard was the encouraging words, “Okay. Accepted.” This, of course, was very similar to the bank who sold us the property for peanuts.

In addition to these great feats, various real estate brokers and architects also waived major portions of their fees totaling roughly $50,000. Along with the Sikh temple there was to be a school set up on the premises. Remarkably, the school taxes of $115,000 were also waived.

Times in my life, such as the events of this story, have given me reassurance about the power of prayer and positive thinking. God’s plans and designs are above human comprehension. The above story may have amazed you. Perhaps, you may still be thinking about how the temple congregation became the proud owners of the sprawling 15.43 acre property, including a 32,000 square feet building, along with a five bedroom house used as a residence for the priests. Even more so, I was also able to gain, individually, the money that I initially thought I had lost. With monetary gain put aside, I also gained strength in the power of prayer and an ardent belief in the power of positive thinking.”

Please visit my book website, http://drsinghbooks.com.

Don’t Forget About Your Family and Friends

Your family should be of utmost importance to you and you should be sure to let them know that. Everyday, take the time to tell your family members how important they are to you. You will feel better about everything in your life, when you express to those who love you the most what they mean to you. Family is your support system and is essential in times of need and moments of illness or weakness. They, too, should and will be there for you in happier times to share in your accomplishments and successes.

It should remain a priority in every child’s and adult’s lives to keep their family members close, especially because we share more with them than any acquaintance or passerby. Family is a part of you and you are a part of their whole. They have given you the values and moral support which has made you the person you are today. You share experiences and memories that are unique to your identity and these are important things to keep in mind when facing the trials and stresses of daily life. Your family has given you the tools to not only enjoy life but also succeed in everything you do.

Sometimes tempers flare, personalities clash, and differences in opinion will surface but do not cut ties. Make sure you send birthday cards and make those phone calls that you think about often. You would not have these thoughts in your mind, if you would just reach out and make contact to these important people in your lives. Neglecting your family and friends breaks down your support system. You don’t want to push the important people in your life away because you’ll be left alone with nobody to talk to, laugh with, cry on, and spend your time. In a world with so many strangers, why choose to keep to yourself and risk the potential of being miserable.

· Talk to your family members

· Tell them how much they mean to you

· Pick up the phone and call them

· Send a card or letter with an old picture inside

Friday Book Promotion

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Take Reponsibility for Your Faults

Rather than finding fault in everything around you, look to yourself to see if you are indeed responsible for the wrongdoing, shortcomings, and faults of which you are being critical. By blaming others for your own failures and shortcomings, you are doing more than others a disservice because you also harm yourself. Failure and slip-ups will happen but they are indeed just that unless something positive comes from such events. Now, you’re probably asking yourself, “How can that make me happier?” Well, if you improve different aspects of your life, and you are constantly working to refine your strengths and characteristics, you will emerge a more competent, reliable, and contented individual.

The more confident you are, the more responsibility you will be able to undertake. Particularly when you are held accountable for more and more responsibilities and tasks, you must learn to lead by example. That means that you most certainly need to find fault in yourself, your decisions, or actions when things go awry.

Taking responsibility for your faults and actions will help in making you a happier person because you will know that you are being honest with yourself on your way to becoming the best you. Sometimes only you will know that you’re at fault in a situation and it’s up to you to make it right for you and all parties involved. One step that may make it easier to take responsibility for your faults, wrongdoings, or shortcomings is to learn humility. Yes. You must learn to laugh at yourself, no matter how big or small your mistake or error. That is not to say that you should mess up or fail and learn to take it lightly and humorously. Rather, you should take your faults and trials seriously but allow yourself to approach life as a learning process.

If we fail to find fault in ourselves, we will also fail in improving ourselves and the results of our trials. When we present ourselves to the world as fallible, as we all are, others are less likely to judge us as that person who thinks they can do no wrong. None of us are perfect and, if we present ourselves as such, others will be less likely to accept us as friends, colleagues, and partners. Admitting fault is an important part in making positive changes in our lives. Doing this makes us more appealing because others can see us for what we are—human beings just like them. Be true and genuine in character and the rest will fall into place.

Harsimran Singh, Ph.D.

Learn to Accept What You Have

Acceptance of the reality of any situation is a prerequisite for any desired result to be achieved. This also means that we, as human beings, accept each other, as we are, without imposing any preconditions whatsoever and then make earnest attempts to grow together from there. When we desire change in others, we must realize how difficult it is to bring about change in ourselves. Only if the other person accepts you as a person of good intentions will they be willing to listen to our advice and attempt to bring about change in themselves.

When we accept these types of things as a reality, instead of ignoring them or complaining about them, we realize that we as people are all very much alike. While each of us has admirable qualities, we all have qualities and characteristics that may be undesirable to others as well. To really move forward, we must accept all of our differences and learn to overlook the negatives in everyone. To exist and influence others in a positive manner, we are to see the good and the bright, and take them along with us.

All human beings are imperfect. And because we are human we are mortal beings. Our realization and acceptance of our own mortality will help us accept the sorrows and appreciate the pleasures in our lives. Learn to accept that so many things are beyond our control such as the death of relatives and friends. We must understand that things such as cancer and other terminal illnesses are our reality as human beings. Our non-acceptance of these realities only elevates our problems instead of dealing with them head-on with a positive mindset.

As much as we must accept the cruel realizations of our mortality, we must learn to accept our own realities. If you will forever be miserable because you want to be a famous rock star, singer, or television personality, you might, after awhile, learn that you must be realistic about these types of realities as well. While positive thinking can take you places and help you accomplish things you may have previously not thought possible, their may be limitations that are beyond your ambition and desires. Goals are very important to have but those which are analyzed, grounded in fact, well thought out and pursued with vigor and tenacity are those with higher rates of success.

Free Your Mind of Anxiety

Releasing your burden from anxiety and worry will free your mind to think about the important things in life. At the very least, you will be able to think clearly without your mind being consumed with worry. Oftentimes, people get negative thoughts stuck in their heads and they become consumed with negativity. Just as people let anger, lust, and other vices control them, individuals allow worry to dictate their lives. Your own thoughts should not be a detriment to who you are, where you’re going, and how you think about your life and the lives of others. In this, it’s also important to surround yourself with positive people and resources. Just as others can negatively influence your thoughts or make you feel bad about something, you can do the same to others when you cast your worry into the world around you.

Rather than panicking and worrying about every negative possibility out there, think positively and analyze the reasons why you are anxious or worrisome. This will enable you to become aware of any reasons behind why you worry. If you put in the effort to make a positive change, you will be able to improve your life in many ways. By identifying things that you may be uncertain of or worried about, you might be able to alleviate them. It wouldn’t be surprising to find out that you laugh at yourself when you finally realize why you are so worried about silly things. By analyzing your worries and doubts, you will be able to educate yourself and make changes to avoid worrying in the future.

You don’t want to miss out on being happy because you were simply misinformed. Educate yourself, instead of worrying yourself. For example, if it’s your health you’re worried about, or going to the doctor’s office, you must realize that it’s much more beneficial for you to explore the informed results rather than misguided possibilities in your mind. Not doing this is counterproductive because worry can adversely affect your health. And that just doesn’t make sense at all.

Remember that you can make good and bad things happen to you. Wouldn’t you rather have positive things happen to you? And have good things come your way? We all want positive things to happen but in life they don’t always come to us. Like the saying goes, don’t let life happen to you; make life happen. And this, certainly, cannot be done if all you do is worry.

Section of A to Z of Foreclosures

The following is an excerpt from my real estate book, A to Z of Foreclosures-Real Estate Worth Millions Acquired with $101.This book is available on Amazon.com and my website http://drsinghbooks.com

CHAPTER III -2 Analyzing Prospective Properties

The foreclosure investor should not simply arrive at a foreclosure auction and start bidding. That is a road filled with potholes. The investor must conduct an appropriate level of due diligence on the properties the investor is considering.

Due diligence is the act of examining all relevant aspects of a property to ferret out information necessary to make a decision to make an offer, settle on a specific price or agree to other terms of the deal. Relevant aspects vary depending on the type of property. A foreclosure investor usually does not have leases to review when considering single family residences but will when he is considering an office building.

Passage from How to Always Be Unhappy

This is a passage from How to Always Be Unhappy, a work in progress. You can read more about this book on my website, http://drsinghbooks.com

Murphy’s Law is the notion that anything that can go wrong will go wrong if given the opportunity. We’ve all had days where it feels like the sky is falling. You are sure the weather report called for clear skies and sunny days, yet that gray cloud keeps following you around, raining on your parade. The alarm clock doesn’t go off, your dry cleaning isn’t ready, the car won’t start and, when it does, the traffic resembles Times Square on New Year’s Eve, only you can’t even rock out with Dick Clark. You start to wonder what your day would have been like if you just stayed in bed and buried your head under the covers. Or, maybe you have a huge presentation at the office or in school. Whatever the reason, failure is out there somewhere, lurking, waiting to pounce on you. There’s no telling how many hurdles will be thrown in your path today.

Life does not take anyone’s plans or personal convenience into consideration. Therefore it is imperative that we must be able to adapt and overcome these detours from time to time in order to survive. That may sound a bit drastic or dramatic because it’s obvious that most people do not actually face survival, as in life or death choices, every day. But each one of us faces challenges both big and small throughout our everyday lives. Those situations arise in every aspect of our lives from our personal relationships with family and friends to professional forums with clients, partners, colleagues, etc. So here’s the big news, you are NOT going to win every challenge, clear every hurdle cleanly, or make every correct decision.

Another Excerpt from 26 Steps

Zealousness must be displayed in praying to the Lord; but being zealous in degrading others, practicing hatred, envy, cruelty is a sin. When zealousness enters the field of religion, it must be denounced, as it may assume the form of fanaticism.

We tend to yield to the multifarious demands made by the physical life, forgetting our connection with the divine-self, residing within us.

We are tormented and haunted by the mundane issues: sensual pleasures and worldly delights, devising ways and means of accumulating wealth, responsibility towards family, concern for friends, official duties, and worrying about our physical health.

We relegate, to the background, our concern for spiritual upkeep and progress; caring for our soul’s health, for our mind’s well being. Being elevated spiritually, we enter a domain where physical requirements are met, automatically.

Humble Solomon pleaded for spiritual discernment, and how was he rewarded? He was blessed with wisdom and the bonus of material prosperity. He became a Divine-Magnet that attracted all positive energies. It is the Divine Law.

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26 Steps to Spiritual and Financial Riches

The following is an except from my FREE book, 26 Steps to Spiritual and Financial Riches. To receive this FREE book, visit my website http://DrSinghBooks.com.


Worry makes a small problem look very big. Worry takes the joy out of life. Another destroyer of happiness is fear which follows worry. Worry is fear’s right hand. The minute you succumb to worry, you begin to be fearful too.

Worry and fear will become an obstacle in the progress of your life. May this be your job, your business or other matters, your efficiency goes down. Worry would result in heart problems, blood pressure problems and other mental problems. A person burdened down with worry looks sad. He loses his smiles.

How to win over the worry! The very first step is to write down the worst consequences of something that is worrying you. In most instances, you may find that it may not be worth worrying about it as the end result is not as bad as you may be worrying about it. You sometimes may be worrying about something over which you have absolutely no control. Then, why even worry about that thing! Let us use our creative imagination properly.

Courage rescues us from all types of worries. When you lose wealth, you lose little: when you lose friend, you lose much: but when you lose courage, you lose your all.

Courage is born out of faith- the faith that you are not alone. And faith is a gift of God. Therefore, we must pray, again and again, for faith.

A to Z of Foreclosures

The following is from the first chapter of my real estate book, A to Z of Foreclosures: Real Estate Worth Millions Acquired with $101. This book outlines 14 different methods to buy real estate. Find more about the book on http://drsinghbooks.com and http://amazon.com

In this time of economic uncertainty, when the country is facing a credit meltdown, investors in real estate are asking themselves whether any realistic opportunities remain available to them. The answer is a resounding “Yes.” Uncertainty always provides opportunity.

Urban legend tells us of an old Chinese curse: “May you live in interesting times.” Of course, we all know that curses can be inverted blessings. These are interesting times, and they open doors to opportunistic investors.

Where does an opportunistic investor look to find these opening doors? Although there is any number of areas an investor could look into, acquiring properties through the foreclosure process offers multiple opportunities. Examples of investors doing just this abound.

One prime example is the opportunities presented by the collapse of the savings and loan association industry in the late 1980’s. That crisis arose out of extensive speculation in real estate by savings and loan associations. In that crisis, many savings and loan associations became insolvent and were taken over by the Office of Thrift Supervision. Congress passed a law entitled the Financial Institutions Reform Recovery and Enforcement Act, commonly known as FIRREA (pronounced Fie-Ree-Ah). FIRREA created the Resolution Trust Company, commonly referred to as the RTC. Savings and loan associations had acquired many real estate assets in the course of the crisis. The RTC was charged with the task of disposing of those assets. Under then existing market conditions, investors were able to purchase properties at substantially discounted prices. A number of real estate investors made fortunes in the aftermath of the savings and loan association collapse.

New Press Release

http://www.prlog.org/10250734-long-island-author-harsimran-singh-phd-announces-book-release.html

Learn to Be Fearless

The following is an excerpt from the book I am currently working on, "How to Always Be Unhappy."

Especially in uncertain economic times, it’s not difficult for so many people to allow fear to enter, overcome, and control their lives. We fear losing what we have and, perhaps, losing what we have yet to attain. We have worked hard towards goals and have built a foundation on which to support our goals and dreams but we are unsure of our outcomes. There are certain comforts, such as peace of mind and financial stability, which we acquire through the maturation process of our lives. However, many times we become comfortable because we fear loss. Many people become complacent with their routine, habits, and ways of life because it has worked well enough for them so far in their lives.

When did “well enough” become the best way to make you happy? As we have discussed, we all must be rational and realistic about our goals and dreams in life, as wanting can lead us mad and cause us to go astray. Fear, too, can lead us down this path because it prevents us from acting and leaves us waiting alone with our wants. If we are able to identify and analyze our fears, we’re able to more effectively address how they affect our lives, decisions, and futures.

Dr. Singh
http://drsinghbooks.com/