I think the difference between prayer and I-M is that prayer does not change beliefs. I can pray all day long for a hundred dollars, but unless there is a deity waiting to give it to me, it won't effect my reality. However, if I intend to attract a hundred dollars, or convince myself that it is on the way (which is hard), then maybe I'll get it then.
I-M is simply active participation in reality combined with a change of perspective, prayer is generally more of a passive request (unless you pray with extremely strong faith).
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