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SEED MONEY: THE LAW OF TENFOLD RETURN By Jon P. Speller, D.D., 1965; edited and appended 2004 by Emily Cragg

Within the last fifty years many thousands of people have read John Hoshor's wonderful, SEED MONEY: THE LAW OF TENFOLD RETURN AND HOW IT WORKS. They have grasped the scientific principle behind the Seed Money Formula and have successfully applied it in their daily lives to end their money troubles. Others have not, for various reasons. This book is to help people get to prosperity, who didn't get it the first time.

John Hoshor wrote [in a booklet published by the Church of Religious Science]: "Let us imagine that we have $50 in U.S. currency. We could put the money in a savings bank and it would return us approximately $2 a year. We could buy a mortgage certificate and get a return of $3 or even $4 a year. Or we might use the money to buy a share or, depending on the price, several shares of stock in some corporation, perhaps get dividends and, provided we bought at the right time and sold at the right time, make a profit on the transaction."

"Of course, we could also use the $50 for food, rent, clothing, books, tools or for other needs or just for pleasure... That is why money is the medium of exchange. It can be used for many things."

"One of the things for which money can be used--which at this writing is not generally known--is as SEED MONEY. This means that we can so use money that we reap a harvest of multiplied money."

Here are a few of the blocks that some people have had using the Seed Money Principle.

A retired man called me long-distance from California. He said that he has read SEED MONEY, followed the formula faithfully, but could not get a return. It seemed that his greatest joy in retirement was driving his car on vacation. One day the old car just gave out--it couldn't go another mile and it had to be towed to a wrecking yard. For two months the man tried to use Seed Money to demonstrate enough money to buy a new car. He gave his Seed Money to his Church, believing he would get a tenfold return. But nothing happened.

He seemed to understand the principle clearly and to have complete faith in its workings. He puzzled me for a while. Then he said, "I better hang up. The call costs too much filthy money."

I asked, "Why do you say that money is filthy?"

His reply gave me the answer to his failure to receive his tenfold return: "Isn't money the root of all evil?" [1 Tim 6:10] he asked.

I told him: "The Bible doesn't say that 'money is the root of all evil.' It says, 'the love of money is the root of all evil,' and even that needs explanation. In Biblical days money as we know it today was very seldom used. Most exchanges were on the barter system. A carpenter would exchange a table for some bushels of grapes. A farmer would exchange grain for clothing, and so on. Money, in gold and silver, was only used for large transactions.

Today money is a universal medium of exchange for all goods and services. When we fix it firmly in our minds that the service that money provides is different from the love of gain, profit and advantage, then we can positively view money as a tool, not as a goad or something to hoard.

The Bible says you 'cannot serve God and mammon.' [Luke 16:13] Mammon represents hoarded money--that which is not placed into circulation. Money in circulation is God in action. Money, which is hoarded, is useless, for money is merely the medium of exchange.

I said to the man, who called me, "You have had a hatred of money because you thought it was evil. Since like attracts like, you have attracted the hatred of money back to you, returned you no good even for the good you have done."

"Don't think of money as a dead object of greed. Think of it as a living means of acquiring your needs--good for yourself and for others. Right now, money should represent for you the car that will give you mobility and options--both of which are good."

He thanked me and two weeks later I heard from him again. "It's marvelous," he said with great joy in his voice. "I received my tenfold return. Yesterday my married daughter drove up from Los Angeles in her Volkswagen. She gave me the keys, telling me that her husband had just bought her a new station wagon so that they and their children could go on camping trips in the mountains. She knew that my old car had given out, so instead of selling the Volkswagen, she gave it to me."

"Wonderful," I said.

"You know," he said, "once I realized that it wasn't money for money's sake that I wanted but the good I could buy with it, I overcame that mental block. The Volkswagen is worth even more than ten times my Seed Money, and on top of that it doesn't use as much as my old car--I can travel much farther for the same money."

This is just one illustration how a person's changing their concept of money enables the use of the Seed Money Principle.

Every creative act begins with a thought. Have you been thinking of money as evil? Or, have you been thinking of money as the good that it represents and manifests in your life?

John Hoshor wrote: "Just how do we plant seed money? What happens when we do plant it?... We give it to our Church or to a hospital, school or college or to any of the Social Service organizations, which subsist on donations. Or, if we to wish, we could give it to any needy person, friend or stranger."

Then we follow a specific mental formula derived from the Great Teacher and proven absolutely true and dependable by such financial giants as the first John D. Rockefeller, Andrew Carnegie, Julius Rosenwald, Andrew Mellon and others of great wealth."

"With perfect safety, without any risk whatever, our seed money so planted will return to us tenfold. We will receive back $500."

The second block often found in people who have not yet succeeded in practicing the Principle of Seed Money is this: many people don't understand how the giving of Seed Money produces its tenfold return without any risk whatever. But it is a fact. The Law of Tenfold Return always works. There is absolutely no risk whatever in the Principle of Seed Money. If you do not follow the formula precisely, there is risk, but then you are not actually practicing the Principle.

I received a rather irate letter from an airplane stewardess flying on charter flights out of Chicago. She wrote: "Mr. Hoshor's Seed Money doesn't work. I know because I tried it. When I fly to Las Vegas I play the slot machines. Sometimes I win. With Seed Money I don't get back a dime."

Writing back to her I gently informed her that the Seed Money Principle itself always works but that she apparently is not really practicing it.

As illustration I wrote that the Principle of the Parachute is itself infallible. A properly made, properly packed, properly checked, and properly used parachute never fails to open.

If the parachute is not made properly, is not packed properly, is not checked properly or is not used properly it will not open. That is not the fault of the Principle of the Parachute or of the parachute itself. It is the fault of the person, or persons, who made, packed, checked or used the parachute.

The Principle of Seed Money works in the same way as the Principle of the Parachute, or as any other Principle, for that matter. If the Principle isn't properly applied you aren't working the Principle.

The Seed Money Principle is not a gamble such a slot machine or a lottery. When you think that you may get your tenfold return from "planting" some Seed Money -- you won't. When you believe that you will get a tenfold return on your Seed Money, you will.

Jesus said, "What things so ever ye desire, when ye pray, believe that ye receive them, and ye shall have them." [Mark 11:24] He did not say that you won't have them. He did not say that you might have them. He said that you shall have them.

The "magic" word Jesus used there is "believe." There is no room for chance in believing. There is no room for chance in the Law of Tenfold Return.

I advised the stewardess to only practice Seed Money when she felt that she could remove all doubts about receiving her return. If she couldn't try to remove her doubts about receiving her return and if she couldn't try to remove her doubts, I advised her to forget it.

Two months later I received another letter from the stewardess. She said that her reason for wanting her tenfold return was because she wished to have enough money to visit her fiancé at the US Air Force at Wiesbaden, Germany. As a non-scheduled domestic airline stewardess she didn't get reduced fares, which most airline employees have. She said that with one week's meditation on the Principle of Seed Money--after she had received my letter--she had become convinced that the Law of Tenfold Return worked in Principle and that she could apply that to attain her desired trip. She gave ten dollars, following the formula properly in every step, to her Church that Sunday. On the following Wednesday she received an offer to take the place of a MATS (Military Air Transportation Service) stewardess on a European flight--to Wiesbaden Germany.

Her tenfold return? She called her parents to tell them of her new assignment. Her father told her that he had just received the return of his income tax overpayments. He sent her a gift of one hundred dollars for extra spending money.

This is just one example of many deserving people who give, and give, and give Seed Money, without really believing they will ever get their return. They don't, until they really believe that they will.

Do you think that you only may get your tenfold return? Or do you believe that you will get your tenfold return?

Some people have the same problem the stewardess had, but in a different way. They give their Seed Money to their church, believing they will receive their return. Then a member of their family, a friend, a co-worker or some other person scoffs at their belief. Doubt creeps in. Their return is deflected, and the Law appears not to work.

John Hoshor writes: "Can't you just see the bankers and the economists holding up their hands in horror at Seed Money? They will tell you it's impossible!"

"You are welcome to believe them and lay this booklet aside or give it to someone else. Or you can read it and learn how SEED MONEY multiplies, why it multiplies and by following the principles and methods set forth, prove its truth and worth for yourself.

"Incidentally, it has often been said, many times inaptly, that 'The truth shall make you free.' The only truth that will make you free is the truth that you prove for yourself. If you cannot prove something in your own experience--if you cannot apply it and demonstrate it in your daily life--whatever truth it is, or is not, will not make you free."

A housewife visited me with the complaint that her husband didn't believe that the Seed Money Principle really works. "He laughs and calls it a fool's gimmick," she said, "he keeps me from receiving my tenfold return."

I told her, "No one can prevent you from receiving your tenfold return except you yourself. Your husband's remarks cannot prevent your tenfold return unless you yourself give them the permission and power to do so."

As Ernest Holmes wrote in his great book, THE SCIENCE OF MIND, "Nothing can happen to us unless is happens through us. That which we refuse to accept to us cannot be, and that which to us 'is' cannot help becoming a reality in our lives."

I asked her to remove the blocks caused by her acceptance of her husband's remarks by denying they had any effect on her exercise of the infallible Principle of Seed Money. I asked her to affirm that she, and she alone, puts the Power and Abundance of the Universe into motion for her tenfold return.

I asked her, recognizing her great faith in the promises of the Scriptures, to recite--as an addition to the Seed Money process--when giving her Seed Money: "Surely, blessing I will bless thee, and multiplying I will multiply thee." [Hebrews 6:14] So God promised. So is it with Tenfold Return."

Six weeks later the housewife paid me another visit. She was now practicing the Law of Tenfold Return successfully. There was an interesting sequel. Her husband, seeing his wife's success with Seed Money--despite his scoffing--secretly started applying the Seed Money Principle himself. He finally, rather sheepishly told his wife, "It works." And it does work.

The Law of Tenfold Return does not only work here and now, but forevermore in the future. The Law of Tenfold Return has always worked throughout the ages. John Hoshor writes:

"Long ago the prophet Malachi knew about SEED MONEY. A prophet becomes a prophet because he is inspired to rise to higher levels than most people and thus can more clearly see things and know things for what they really are."

Malachi said: "Bring ye all the tithes into the storehouse, that there may be meat in mine house, and prove me now herewith, saith the LORD of hosts, if I will not open you the windows of heaven, and pour you out a blessing, that there shall not be room enough to receive it."

In present day words Malachi's inspired statement means that you should give your Seed Money to your Church so that, as you freely give, so you shall freely receive. And it will be proved NOW, declares the Law of Tenfold Return, that the horn of Infinite Plenty shall be opened and pour you such an Overflowing Abundance of Good that you shall not have room enough to consume it.

A man I know is in the printing business. He was one of the printers of John Hoshor's SEED MONEY. His business had taken a turn for the worse. His printing presses were idle more often than they were busy. His overhead--rent, payroll, utilities, etc.--was pushing him deeper and deeper into debt.

He asked me, "Does Seed Money really work?" I told him, "Of course--when you follow the process faithfully, the Law of Tenfold Return always works. It's simple CAUSE and EFFECT."

"But can I receive as much as I need?" he asked.

"Nothing can limit what you receive except for the limits you place on yourself," I replied, "do you know the Twenty-Third Psalm?"

"Yes," he said.

I counseled, "Then remember David's words: "Thou preparest a table before me in the presence of mine enemies; though anointest my head with oil; my cup runneth over.' [Psalm 23:5] It doesn't say could runneth; it says runneth. Isn't that definite? It doesn't say half full. It doesn't say full. It says runneth over. Isn't more than enough, enough?"

"Yes," the printer said. I could see that he understood. Several months later I called him to order another five thousand copies of SEED MONEY.

He said, "My business is running at more than capacity. Even with overtime I can't keep up with the demand. Thanks to Seed Money. But I'll print the books for you and Seed Money the overtime charges."

This printer is now so prosperous that he spends three months of every year in Florida--thanks to his understanding and practicing of the principle of Seed Money.

Do you demonstrate ten times one dollar, but fail at ten times ten dollars or ten times one hundred dollars? Or, do you know that the Law of Tenfold Return works equally well on a thousand dollars as it does on a single dollar?

The only limitation on your return is caused by yourself. As Dr. Raymond Charles Barker of First Church of Religious Science in New York City says: "All causation is from your subconscious mind, and your subconscious mind can be changed. You are the only one who can change it."

You alone can affect your reaping of your tenfold harvest--regardless of the amount of cash, valuables or skill-effort involved, [by changing your behavior].

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