Schuetz

Everyone has an opinion on millionaires. Some love them, some hate them, some want to be one and some think that to be one is the worst thing that could ever happen to them. Ironically the views that people have of millionaires are oftentimes far from the truth of what it really takes to become one, live as one and more importantly remain a millionaire. Here are some facts to encourage you to take the big step in your business.

Millionaires are not extravagant - Many millionaires live a simple life. They do not spend frivolously and they are not concerned with impressing their neighbors. To them their true worth does not come from their outward appearances.

Proof can be found in the best-selling book, The Millionaire Next Door, by Thomas Stanley and William Danko. Youd never guess that the subject of millionaires could have anything to do with simple living, but it does.

Millionaires are savers Most millionaires were not born wealthy, nor do most of them have high-level, exotic jobs. What they do have are simple lifestyles! Its the simple lifestyles, not the big paychecks that turned these people into millionaires. According to the book, their wealth is the result of hard work, perseverance, planning and most of all, self-discipline. If you do not have the willingness to save, the seeds of financial success are not in you. Wait till you are a millionaire before you try to live like one.

Why are we not rich? - We regularly and continually give our money away to other people so they can become wealthy, while we live paycheck to paycheck. Very few people pay themselves first. We buy the latest cars, biggest houses, full wardrobes, daily espressos, high-tech gizmos and gadgets of all kinds. As a result, we never allow ourselves the opportunity to create the kind of lifestyle we want. We spend way to much time shopping and very little if any time investing. On the other hand, the millionaires are described in the book as compulsive savers and investors.

After surveying 1,115 millionaires around the country, authors Stanley and Danko came up with seven common denominators among those who successfully build wealth:

1. They live well below their means.
2. They allocate their time, energy and money efficiently, in ways conducive to building wealth.
3. They believe that financial independence is more important than displaying high social status.
4. Their parents did not provide economic outpatient care.
5. Their adult children are economically self-sufficient.
6. They are proficient in targeting market opportunities.
7. They chose the right occupations.

Nowhere on this list was buying a luxury car or boat. Spending money on toys and things gets you nowhere. You must have an investors mindset. I dont like to buy things that dont pay me rent. Simple living is about living conservatively and with a purpose. This means being in control of your money and your spending. When you save and invest your money rather than spending it, you are control of your future. Then you have the decision in how youd like to spend your time. For me, I had better things to do than to sit behind a desk for 10 hours a day.

Eventually after a period of time of investing and saving you will reach a point where your investments are growing more than the income you bring in from working full time. This is where your life will have new choices. You have the ability to work only part time or not at all. This is vastly different from living paycheck to paycheck. You now have the ability to decide and live the rest of your life on your terms. What lifestyle do you dream about? Do you want to spend more time with your family? Do you want to donate your time or money to a worthwhile cause? It becomes all about choices at this point. Choose wisely.

The millionaire next door - The flashy millionaires glamorized by the media actually represent only a tiny minority of Americas rich, Stanley and Danko say in the book. Most of the truly wealthy in this country dont live in Beverly Hills or on Park Avenue -- they live next door.

The authors say that the typical wealthy individual is a businessman or woman who has lived in the same town for all of his or her adult life, and owns a small factory, a chain of stores or a service company. He or she lives next door to people with a fraction of his or her wealth. Their survey indicated that while the paycheck to paycheck crowd drives new cars, most millionaires dont. Theyre not wearing expensive clothes and watches and their houses are relatively modest compared to their financial status. Not everyone who has wealth chooses to display it.

If you really want to be a millionaire, you have to get into the habit of spending less and investing more. Eventually you may get to the point where you see the value in investing and you wont want to spend money on anything that doesnt give you a return. It really is fun to watch your wealth grow It happens faster than you might think. The key to success is to get started.

Ellis SanJose, 2007 http://www.networthu.com All rights reserved.

ABOUT: Find out how two historically profitable markets are joining to create millions. Real Estate investing + Network Marketing. Now is your chance to learn from the pros. For more information go to http://www.networthu.com

Ellis began learning about real estate investing at a very early age. Growing up in Southern California, his father taught him the skills of rehabbing & renting properties. While attending college, Ellis worked for a partnership group that was a major real estate player in Los Angeles County during the 1980s. They specialized in purchasing foreclosures at the courthouse steps. Ellis was instrumental in their success, by growing their portfolio from 10 properties to 200 in three years. In 1994, he changed careers & became a licensed securities broker. Ellis has devoted his time investing in many types of distressed assets, single family homes, commercial properties, & non-performing trust deeds. He has been involved in over 60 real estate transactions totaling over $30 million dollars.

A while ago, men had to steal a bit of our wives, girlfriends or even sisters face cleanser or moisturizer. Of course we know it wasn't because we like to put on make up or play dress up. It's because we want to look good, clean and attractive for women. However, now a days companies are finally starting to respond to men's interest in skin care and today we have a variety of men skin care products on the market. Statistics show that just in the United States, men spend more than 4 billion dollars per year on grooming products.

I know some of you guys may still me tempted to just use whatevers in the bathroom mirror cabinet, but you have to realize that a man's skin and woman's skin is very different. The mens skin care products made today are designed specifically for men and our skin.

A man's skin is about 20 percent thicker than woman's, and its a lot more firm than hers because we have more collagen and elastin. Unfortunately, men have more active sebaceous glands; this means our skin tends to be oilier. Also, due to regular shaving, men's facial skin tends to get dehydrated.

While taking care of your skin sounds girlish, it'll actually get you more attention from the ladies because youre taking care of your appearance and more specifically your facial skin. Trust me, good skin doesn't go unnoticed. So it's time to stock up on some quality men skin care products and you can get these babies either online or at most local stores. Below I picked out some moisturizers for men that I would recommend. Remember, all of these products where mad for men and theres nothing girly going on here.

-Zirh Protect: Face Moisturizer
This is the ultimate environmental defense lotion for your face. It contains an effective moisturizer that leaves no oily film, improves your skins texture and slows your skins aging. Unlike many face lotions that contain mineral oil which may cause acne, this moisturizer will give you no problems.

-Brave Soldier: Brave Face
Brave Face immediately soothes, cools, and reduces irritation and redness after shaving. Healing botanicals such as soy amino acids and marine extracts helps enrich and stimulate your skins own natural balance. Personally, I use this moisturizer all the time after shaving and it really does what it says.

-Sharps Barber & Shop Daily: Prep Skin Tuning Lotion
This super hi-tech lotion has a controlled release system that delivers all day moisture without the greases. The company strives to a modern approach to the traditional barbershop, getting guys all cleaned up and ready for action.

-Jack Black: Line Smoother Face Moisturizer
This ultra-lightweight moisturizer helps fight the signs of aging. Natural fruit acids and vitamins help minimize fine lines, wrinkles and skin discoloration by gently sloughing off the top layer of skin, revealing younger, smoother skin beneath. The formula soaks in fast, with no greasy after feel. My favorite feature is that it's fragrance free and colorant free.

-Men Science: Advanced Face Lotion
This high-performance moisturizer, formulated with advanced water binding agents and skin refining ingredients, helps renew and restore your complexion while nurturing and protecting it. The ultra light, oil-free formula absorbs immediately and is by far one of my favorite light lotions.

There are tons of quality mens skin care products on the market today. I would suggest that you try various products, so you can see which is best for your type of skin. Of course this doesn't mean skin care has to be your lifes priority, remember that this only takes up a couple of minutes after your shower and the benefits, such as getting more attention for girls, are definitely worth it.

Joqtan A. is an expert writer for Mens Skin Care Products. A site concentrating on men skin care tips, advice and product reviews for men of all skin colors.

When it comes to popular vacation destinations, few places have what it takes to compete with South Lake Tahoe. In the summer, there is boating, swimming, golfing, and hiking, and in the winter, the skiing conditions are top-notch thanks to 360 inches of annual snowfall. There are 182 ski trails amidst 8,800 total ski resort acres, which means there should be plenty of room for the flocks of snow-lovers that make their way to this region every year.

Even travelers looking for less active pursuits will be pleased with South Lake Tahoe; nearby Nevada hosts a number of casinos, there are restaurants galore, and the 274 days of sunshine encourage plenty of relaxation outdoors.

The perfect way to enjoy such a vacationers heaven is to sit back and take it all in while benefiting from the ample space and amenities of home. A South Lake Tahoe vacation rental allows for the best parts of being home and being away to exist as one. Traveling to a new location is fun and exciting, but having a place to retreat from the crowd at the days end makes for a truly memorable experience.

A popular area for finding refuge from the bustle of South Lake Tahoe is Heavenly Valley. This quiet, forested area is close to such landmarks as the Heavenly Mountain Ski Resort and the Stateline casinos, yet cottages and lodges are sheltered beneath a canopy of pine trees in order to provide a bit of seclusion. Imagine being able to come home from a long day of skiing to your private cabin-style chalet. A few minutes in the hot tub, which sits outside on the wrap-around deck, will certainly ease tender muscles, and a quiet evening spent watching movies and drinking hot cocoa in front of the fireplace will rejuvenate you for whatever tomorrow may hold.

Or, picture a summer vacation with the family. A four bedroom home located near the marina, hiking trails, and a grocery store will ensure that everyones diverse needs are met. Instead of being crowded into a hotel room and searching the phone book for a restaurant, youll feel free to spread out and cook a leisurely meal in your own, borrowed, kitchen. Parents and kids will be more relaxed with a set-up like this, and youll probably wonder why you ever did it another way.

For true water-lovers, the Tahoe Keys is the perfect place to secure a vacation rental. Sweeping views of the lake and the mountains, as well as private docks and outdoor spas make the homes in this area of South Lake Tahoe extra inviting. Proximity to the water is very useful when it comes to filling your days with boating, tubing, and fishing. And, having access to a microwave, television, whirlpool tub, and game room provide all the remaining ingredients to make your evenings a success as well. From this point of view, South Lake Tahoe is an irresistible sight to behold.

Whether you seek a rustic one-bedroom cabin or a modern, spacious condo that will fit all the cousins and grandparents, there is a good chance youll find it tucked away somewhere in South Lake Tahoe. After finding the best place to fit your needs, everyone will be able to focus on what really matters, the scenery, the limitless activities, and the feeling of being far away with the people you care about.

HomeAway.com will help you locate the place of your future greatest vacation ever, so visit South Lake Tahoe vacation rentals to get started on your way.

HomeAway.com is a great place to find all the information you need for vacation rentals around the world.

"A Tale About Stealing Saturn"

The wind swept past her, stood fast in her way, "Stealing Saturn, are you?" he chuckled, "However do you think you are going to help your inner child grow if you go around robbing the Universe of it's planets?"

"Now is not a time for debates about enlightenment", I cried. " I have painted whimsical angel pictures and keep them in a locket to remind me of what fantasy art women dream of. I keep them and know that the power that you dear Wind always understood was yours... is mine as well. I must have it! Saturn is mine! In my heart I take the secrets of magic, all the fairy tales untold and gather them in my arms. They are an energy of mystery. Saturn is mine!"

And the Wind grew yet ceased his objections because he enjoyed the game as well.
.

If you can paint it then fantasy becomes real. I am an art fairy, a fantasy art women and I long for the planets and stars to flourish in their dance into the sky. Let me ride the wind and whisper recipes for chocolate eclairs and well clad gingerbread men to every fairy I see. Alas we will gather together for high tea, right on the moons surface; the Wind; the earth goddess; whimsical angels and me. I blush and mingle all the colors together and feel their melody. There are no debates about enlightenment once one learns the code, it is to open your wings and heart, stop that ever ticking chatter in your head, rest and feel joy. After a lovely afternoon I gathered my whimsical angel pictures any leftover chocolate I could find and put them in my satchel, I was on to another journey. And yes indeed! I did gather Saturn with one arm, pondered a bit , then I stole all the stars as well!

I have posted my poem "Sunsets" before under poetry but feel it is also so fitting for my story about "Stealing Saturn".

"Sunsets"

She travels with magic on a mystical ride.
She walks in the moonlight
and covers my mind.
She travels the road down past the pines,
where the mist meets the morning
'fore the river turns ice.

We gather up petals
from the flowers that have died.
She travels with magic
on a mystical ride,
pointing out sunsets
and ponies to ride.
So just see how it goes
how the magic unfolds
how the children you've known
lend out sea covered rhymes
still fasting
but no longer cold.

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About the Author:

Kathy Ostman-Magnusen Hawaii, United States

Aloha! I am a figurative artist and Illustrator. If you check out my website you will see that I am very prolific in oils. My paintings are collected worldwide. I also do sculpture; images available upon request. I have illustrated for Hay House Inc. , Neil Davidson, who was considered for the Pulitzer Prize in feature writing, and several other publications. I also enjoy story writing and poetry. All of the paintings,stories and poems on my blogs and website are written by me.

Check out my website http://www.kathysart.com or one of my blogs at: http://kathysart.blogspot.com/

Aloha