Rich Spell Spell, Money Ritual"He who lays down a penny, the musicians also sing," was what my late grandmother used to say. She taught me that sooner or later we all accept our mercantilism and stop being ashamed of our lust for money. How often have you thought, "I wish I had the money to do this" And the desire remains, year after year, just a dream. How many times have you dreamed of a trip to the ocean but ended up spending your vacation in a budget sanatorium or the nearest