The Millonaire Mind by Thomas J. Stanlei, Ph D

Rich people believe “I create my life”. Poor people believe “Life happens to me.”
Money is extremely important in the areas in which it works, and extremely unimportant in the areas in which it doesn’t.

Rich people play the money game to win. Poor people play the money game to not lose.

If your goal is to be comfortable, chances are you’ll never get rich. But if your goal is to be rich, chances are you’ll end up mighty comfortable.

Rich people are committed to being rich. Poor people want to be rich.
Rich people think big. Poor people think small.
Rich people focus on opportunities. Poor people focus on obstacles.
Rich people admire other rich and successful people. Poor people resent rich and successful people.
Rich people associate with positive, successful people. Poor people associate with negative or unsuccessful people.
Rich people are willing to promote themselves and their value. Poor people think negatively about selling and promotion.
Rich people are bigger than their problems. Poor people are smaller than their problems.
The secret to success is not to try to avoid or get rid of or shrink from your problems; the secret is to grow yourself so that you are bigger than any problem.
If you have a big problem in your life, all that means is that you are being a small person.
Rich people are excellent receivers .Poor people are poor receivers.
If you say you’re worthy, you are. If you say you’re not worthy, you’re not. Either way you will live into your story.
“If a hundred-foot oak tree had the mind of a human, it would only grow to be ten feet tall!”
For every giver there must be a receiver, and for every receiver there must be a giver.
Money will only make you more of what you already are.
How do you think and how you do every think.
Rich people choose to get paid based on results. Poor people choose to get paid based on time.
There’s nothing wrong with getting a steady paycheck, unless it interferes with your ability to earn what you’re worth. There’s the rub. It usually does.
Never have a ceiling on your income.
Rich people think ”both.” Poor people think “either/on.”
Rich people believe “You can have your cake and eat it too.” Middle-class people believe “Cake is too rich, so I’ll only have a little piece.” Poor people don’t believe they deserve cake, so they order a doughnut, focus on the hole, and wonder why they have “nothing.”
Rich people focus on their net worth. Poor people focus on their working income.
The true measure of wealth is net worth, not working income.
“Where attention goes, energy flows and results show.”
Rich people manage their money well. Poor people mismanage their money well.
Until you show you can handle what you’re got, you won’t get any more!
The habit of managing your money is more important that the amount.
Rich people have their money work hard for them. Poor people work hard for their money.
Rich people see every dollar as a “seed” that can be planted to earn a hundred more dollars, which can then be replanted to earn a thousand more dollars.
Rich people act in spite of fear. Poor people let fear stop them.
Action is the “bridge” between the inner world and the outer world.
A true warrior can “tame the cobra of fear.”
It is not necessary to try to get rid of fear in order to succeed.
If you are willing to do only what’s easy, life will be hard. But if you are willing to do what’s hard, life will be easy.
The only time you are actually growing is when you are uncomfortable.
Training and managing your own mind is the most important skill you could ever own, in terms of both happiness and success.
Rich people constantly learn and grow. Poor people think they already know.
You can be right or you can be rich, but you can’t be both.
“Every master was once a disaster.”
You get paid the best, you must be the best.

It will pay to prepare for your tax preparer By Jeff Schnepper

The 'envelope system' not only gets you organized, helps you and your preparer find tax savings -- and offers peace of mind. Here's how to put it to work.

You don't have to pay a penny more in tax than the law requires. Unfortunately, as the late Walter Wriston, the legendary former Citicorp chairman, once pointed out, "All the Congress, all the accountants and tax lawyers, all the judges and a convention of wizards cannot tell for sure what the income tax law says."
What can you, a non-expert in taxes, do in the face of such overwhelming complexity and convolutions? Find an expert.
No one person knows all the answers. The last person I knew who really comprehended the details of the tax code was the late Wilbur Mills, chairman of the House Ways and Means Committee from 1958 until 1974.
Assuming you've found someone sufficiently competent to do your tax return properly, how do you prepare for him or her? This is an important question. Remember, a tax return isn't supposed to be fiction in numerical form. You've got to give your preparer the right numbers to put on the paper or in the electronic file.
That means that you have to put together the information. But because you're not the tax expert, you shouldn't be the one deciding what's allowable as a deduction and what's not. You have only three basic functions:
Accumulate the numbers that substantiate your deductions.
Compile the numbers in tax-related categories.
Summarize the categories and get the final numbers to your preparer.
I recommend that my clients use what I call the "envelope" system, which allows you to do all three easily and simply. This is what you should have done last year and what I highly suggest you start doing immediately for your 2006 return. And you can probably use it right now if you're starting to get ready for your 2007 return.
Putting the 'envelope system' to work
First, find and save all your receipts. I want you to picture dead presidents on those receipts -- they represent real dollars in your pockets. You wouldn't walk out of a store without your change; don't leave without your receipts. These will be more important in 2007 as the IRS is demanding more documentation for charitable donations.
As you get your receipts, put them in a shoebox or a special file. (If you haven't started, start now!) Each month (or every couple of months) when you reconcile your checkbook, break down those receipts into categories and create an envelope for each category.
You'll have an envelope for charitable contributions, another envelope for investment expenses, another for medical expenses, property taxes, mortgage interest, etc. If you can't think of a category, make up a descriptive name and use that. Your preparer can translate it into deductible classifications.
Put the related checks (or the carbons if that's what you have or copies you download from your bank's Web site) in their appropriate envelopes. Add up the receipts, add up the checks, don't double count, and put the sum of that category on the outside of the envelope. Those are the numbers you give to your tax preparer.
The system is easy, so simple you can do it while watching television or listening to music. But it achieves several of your goals without your breaking a sweat.
Never give your tax preparer a shopping bag of unclassified receipts. It's a waste of his time and your money. Except for those of us who do this for a living and actually enjoy it, tax preparation isn't a whole lot of fun. It's certainly not fun for you as the taxpayer. Either you're going to give up some more dollars to the IRS, or you'll be getting a refund of money you've lent to the Internal -- interest free. In either case, you want to minimize the pain.
My envelope system does that. Your preparer now has final numbers for each category. The preparer will tell you what's not allowable and more quickly and accurately complete your return.
What you really want from your preparer is analysis and questions. Any monkey can put numbers in boxes. You're paying for the knowledge and insight as to where to put those numbers and what expenses are allowable. The more your preparer knows about you, what you do and where you want to go, the better the service you're going to get.
Other ways to prepare
How else can you prepare for your accountant? If you've had sales of stock or mutual funds, make sure you've got the cost-basis of those shares available for your preparer. Don't forget to include in that cost-basis any reinvested dividends and capital gains. You don't want to pay tax on them twice.
That means, call your broker as soon after Jan.1 as reasonably possible to get that information. The last thing she's going to want is a call the second week of April requesting copies of information that was already sent to you. She generates income by making sales, not by being responsible for your bookkeeping. She's got enough problems with everyone else calling her for the same detail.
Along the same line, call your tax preparer now. You're not his only client, and the later you wait the busier he's going to be. I tell my clients that anyone I see after April 1 is probably going to file an extension. Remember, taking into consideration the stress, workload and hours slept during tax season, most preparers will probably be able to serve you better this month than in mid-April.
Finally, recognize what you want out of your preparer. You should be looking for more than simple numbers in boxes. You need a preparer who asks questions. Lots of questions.
You also want your questions answered. It's all right if your preparer doesn't know the answer immediately, as long as he gets back to you after researching the issue. And it's important that he does get back to you.
You want to walk out with direction and suggestions for minimizing your taxes for this year. If your preparer asks you to complete an intake form and does your taxes just from that, you might as well get a tax preparation computer program and do it yourself. After all, you're prepared.
No more fear
My envelope system, if done correctly, also gives you complete audit protection. More people fear a tax audit than death itself. But not you, not any longer.
A tax audit is nothing more than the IRS requesting substantiation for the numbers on your return. But you've already done that. The numbers on your return come right off your envelopes for each category.
So, for example, if you're audited on your charitable contributions, the IRS wants you to prove that number. No problem for you. Just give your representative the "donations" envelope. It will have all the receipts and checks to substantiate the number on your return.
The same goes for any other category on your return. Remember, the numbers on your return came from the receipts and checks in each envelope. You've already pre-audited yourself and should have no more fear of the IRS. Honest.

7 Signs of a good doctor

Who is:
1.Confident - No ums-his voice and facial expression should indicate that the believes what he’s telling you.
2. Empathetic – a problem test result? Your doctor should put herself in your shoes and respond to your reaction
3. Humane -- He must patiently address your concerns and probe factors-like job stress-then can affect your health
4. Personal -- you are a human being ,not a file. A great doctor remembers your name and concerns from prior visits
5. Forthright -- She should speak to you in every day, easy to understand language, not over-your –head medspeak
6. Respectful -- your M.D should value your opinion about what may be wrong. He takes notes and puts you at ease.
7. Through -- She musn’t race through a visit. You need to feel she’s got all of your covered.

by Margaret Gelbwasser

Body Mass Index (BM1) Formula

BM1 = (W/H2) x 702
W = your weight in pounds
H = your height in inches

If the result is 18.5 to 24.9 you are withn a healthy weight range.
If it's below 18.5 you are too thin.
From 25 to 29.9 you are overweight and at increased risk for health problems.
At 30 and above you are considered obese and at a dramatically increased risk for serious health problems.

Tape - Measure Method

Here's another way to see if you are dangeransly overweight. Measure your waistline. A waist measurement of more then 35 inches in women and more than 40 inches in men, regardless of height , sugests a serious risk of weight-related health problems.

Tax Prep Checklist Magazine:PC Novice

Before heading off to meet with your accountant or sitting down at your computer to file your taxes,grab this checklist to make sure you have all of the information you'll need.
Personal Information:
-Social Security numbers for your self, spouse and all dependents.
-Child care provider's name, address, and tax ID or social security number.
-A copy of last year's return.
Income
-Income information from all employers you've had over the year just ended (W-2 forms)
-Gambling and Lottery winnings (W-2G)
-Proceeds from the sale of stocks, bonds, etc (form 1099-B)
-Dividents and distributions (Form 1099-Div)
-Income from state and local income tax refunds (form 1099-G)
-Interest income (form 1099-INT and 1099-OID)
-Distributions from medical savings accounts (From 1099-S)
-Proceeds from real estate transactions (Form 1099-S)
-Medicare premiums paid from your social security benefits (Form SSA-1099)
-Unemployment compensations (Form 1099-G)
-Miscellaneous income, including rent (Form 1099-MISC)
-Distribution from pensions, annuities, retirements, IRAs, etc (Form 1099-R)
-Social Security/ Railroad Retirement Board Income (Form RRB-1099)
-Partnership, S Corporation, and trust income (Schedules K-1)
-Morgage interest (including points) received (Form 1098)
-Year-end statements from all bank accounts, loans and investment accounts.
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U.S Standard Sizing for bed Linens by Martha Stewart

Mattress: Crib(27x52") Cot(30x75") Twin(38x75") Extralong twin(38x79,5")Full(also known as double)(53x75) Extralong full(53x79,5") Queen(60x79,5") King(76x79,5") California King(72x84")
Flat Sheet: Crib(38x52") Cot(63x96') Twin(66x96") Extralong twin(66x96") Full(also known as double)(81x96") Extralong full(81x96") Queen(90x102") King(108x102") California King(108x102")
Pillow: Crib(N/A) Cot(20x26") Twin(20x26") Extralong twin(20x26") Full(also known as double)(20x26") Extralong full(20x26") Queen(20x30") King(20x36") California King(20x36")
Pillowcase: Crib(N/A) Cot(20x30") Twin(20x30") Extra twin(20x30") Full(also known as double)(20x30") Extralong full(20x30") Queen(20x34") King(20x40") Califorina King(20x40")
Conforter, Duvet and Cover: Crib(34x43") Cot(68x86") Twin(68x86") Extralong twin(68x86") Full(also known as double)(76x86") Extralong full(76x86") Queen(86x86") King(100x90") California King(100x90")

Children learn what they live By Dorothy Law Nolte, Ph.D.

IIf children live with criticism,
they learn to condemn.
If children live with hostility,
they learn to fight.
If children live with fear,
they learn to be apprehensive.
If children live with pity,
they learn to feel sorry for themselves.
If children live with ridicule,
they learn to feel shy.
If children live with jealousy,
they learn to feel envy.
If children live with shame,
they learn to feel guilty.
If children live with encouragement,
they learn confidence.
If children live with tolerance,
they learn patience.
If children live with praise,
they learn appreciation.
If children live with acceptance,
they learn to love.
If children live with approval,
they learn to like themselves.
If children live with recognition,
they learn it is good to have a goal.
If children live with sharing,
they learn generosity.
If children live with honesty,
they learn truthfulness.
If children live with fairness,
they learn justice.
If children live with kindness and consideration,
they learn respect.
If children live with security,
they learn to have faith in themselves and in those about them.
If children live with friendliness,
they learn the world is a nice place in which to live.

"Why we want to be rich-Two men ,one message" by Donald Trump and Robert T. Kiyosaki

Mr. Donald Trump is to many a role model, his personality and character has attracted me to read one of his books called "Why we want to be a rich - Two men , one message". One of the things that impressed me the most in his book is the way he describes India as a country. Once, while I was in line at a store waiting, the cashier was from India and speaking to the customer she was helping. When the cashier advised of where she is from, the buyer said "you come from such a poor country..."
When I read Mr. Trump's book I recalled the person in line at the store and how little he knew of this country.
-India is the world's largest,oldest continuous civilization. -In the last 10,000 years, India has never invaded any country.
-India is the world's largest democracy.
-India is on of the few countries in the world that gained independence with out violence.
-The art of navigation was born in the river sinned 6,000 years ago (Maybe that's where that young driver was from)
-Sanskrit is the mother of all the European languages.
-India was the richest country on earth until the 17 the Century, when the British invaded.
-Chess was invented in India.
-India invented the number system. Albert Einstein said:"we owe a lot to the Indians, who thought us how to count, without which no worthwhile scientific discovery could have been made".
-Algebra, trigonometry and calculus originate in India.
-The value of"pi" was first calculated by the mathematician Budhayana, and he explained the concept of what is known as the Pythagorean theorem. He discovered it in the 6 the century, which was a long before European mathematicians.
-India is the largest English-speaking nation in the world.

"The Martha Rules" by Martha Stewart

As Martha Stewart is one of my favorite celebrities, I recently read a book written by her called "The Martha Rules - 10 essentials for achieving success as you start ,build or manage a business". Below you will find some of my favorite phrases and paragraphs from her book.
-Listen intently, learn new things every day ,be willing to innovate, and become an authority your customers will trust,as an entrepreneur, you will find great joy and satisfaction in making your customers lives easier,more meaningful, and more beautiful.
-Good employer's will energize you and your business.
-Seek out and hire employees who are brining with talent, energy, integrity, optimism and generosity. Search for advisor and partners who complement your skills and understand your ideals.
-Invest in your reputation
-Quality is not just about product development.
-Quality must be part of your big idea.
-Be consistent in your message.
-Teach so you can learn.
-Be willing to adjust your focus.
-Create a frugal culture.
-Expand your range of vision.
-Don't hesitate to ask for help.
-Can you expand and extend your idea?
-Do not confuse enthusiasm for passion.
-When you love what you do,it's not work.
-Become an apprentice.
-The journey begins in the mirror.