How to Create All of the Wealth and Success You Want In Your Life – Tip #5

Tip #5 – “Develop a Millionaire Mind”.

In tip #4 we discussed being willing to pay the price of success, and how you have to really want it badly. We ended talking about wanting to be better (improve yourself), and now we are going to transition further into the mental side of the equation. Zig Ziglar is well known for his quote, “You can get anything you want in life if you will just help enough other people get what they want.”

Personally, I include in my daily declarations (a list of things that I declare over my life, out loud, on a daily basis) these statements that I got from T. Harv Eker’s 3-day “Millionaire Mind Intensive” (a boot camp, if you will)… “I get rich doing what I love. I deserve to be rich because I add value to other people’s lives.” What a change in thought pattern when, instead of thinking “I want to be rich, I want to be rich, How can I be rich?”, you start thinking, “How can I add so much value to other people or to the company I work for or to the world that money will flow back to me for my efforts?” Do you see the paradigm shift starting to occur here?

What does this mean? To me, it means you earn according to the value that you add. If you create a huge amount of value for a few people, you will collect a few huge paydays. If you add a very small amount of value, but add it to huge numbers of people, then you will collect a large stream of small paydays. Hopefully at some point you find/do work you can do once, but you keep getting paid over and over again (called residual income), like with successful books, or maybe selling a patent and getting an ongoing percentage of sales, or investments that earn you money even while you sleep. If you don’t add much value, you won’t get paid much. Let’s break this down a little. If you have a JOB, it pays you according to the value that someone believes that you, in your position, create. A secretary is generally not considered to create a ton of value, so the pay is not great. A CEO that successfully runs a billion dollar company is generally considered to create a lot of value, so he gets paid a lot more. Bill Gates created a lot of value with his vision for computers and how they can make lives easier. Sam Walton created a lot of value when he came up with a store, Wal-Mart, which gave people great prices and a ton of selection all together in one location – which was unheard of before he thought of it and decided to pay the price to make it happen.

So day in and day out, task by task, how much value do you add to the world? That is one of the great determining factors of success. Someone who doesn’t know and understand this is going to have a hard time ever being extremely wealthy or successful. I am getting a little side-tracked here, but once you have made a decision that you want more out of life, there are a lot of things you can learn and do that will help you. Until you have made the decision, though, there is very little that can help you! Until there is a paradigm shift in the way you think about money, it is nearly impossible for someone who is poor or middle class to become wealthy. They have to be willing to pay the price, but they also have to develop their own millionaire mind.

Here is an example of a millionaire mind in action… A poor person or middle class person decides they want to buy a boat. They go to the bank, beg for a loan, and get approved. They buy their boat, and incur monthly payments. Next they spend money on a bunch of toys and gadgets that every boat owner wants, plus don’t forget fuel, maintenance, insurance, etc. Owning a boat keeps them poor or middle class, or maybe even broke. Next, we put on our millionaire mind, and see how a wealthy person buys a boat. First, they set an accomplishment goal, and decide that, once they make a successful investment, they will reward themselves with a boat. They go out and buy a bargain priced duplex, that has positive cash flow after paying the mortgage and all other expenses. The excess positive cash flow from the duplex pays for their boat and boating expenses. Now they have their boat, but no money is coming out of their pocket. In fact, the duplex they own, in the long run, appreciates in value. The underlying mortgage they got to buy the duplex gets paid down a little every month, growing their wealth without them working for it, plus they get tax benefits for investing in real estate. Without going into too much detail, you can see how, by developing a millionaire mind, we can have our cake and eat it too?!!!

This is tip #5 of at least 10 in the series. I will try to publish most of them as e-zine articles, but if any are missing, they will all be available on my blog. Hopefully you are getting a lot out of my tips, and can’t wait for the next one. If so, please refer a friend to my blog so they can benefit from it as well… Together, let’s get inspired, let’s get motivated, let’s create some buzzzz, and let’s help some people (family, friends, and ourselves) create all of the wealth and success they want in life!!!

How to Create All of the Wealth and Success You Want In Your Life – Tip #4

This is tip #4 of at least 10 in the series. I will try to publish most of them as e-zine articles, but if any are missing, they will all be available on my blog. Enjoy Tip #4…

Tip #4 – Dreams don’t fail for lack of desire; dreams come apart from not being willing to pay the price to achieve them… That says a lot.

Here is a recipe for success in any area of your life: figure out what is required to achieve your goal or dream, and then determine in advance that you are willing to pay the price. My friend, Tim Harris, is fond of the time-honored quote (as am I), “it is simple, but it isn’t easy”. The formula for success is not complex – it is simple. The doing, however, is often the furthest thing from easy.

I talk with a lot of people about real estate investing, wealth, and success, and I have noticed a recurring pattern… People want to be successful and wealthy and happy, but they don’t want to pay the price. This generation is full of people who think the world owes them a living, but they have that formula backwards. So many people want to win the lottery… Rather than working hard and doing what it takes to earn a fortune.

When I started on the road to wealth, I wanted to know “The Secret”, but I didn’t want to work my tail off. For a while, nothing happened. Eventually, when I wanted it bad enough to give 110% at my full time job, and then added in a second full time job investing in real estate and the study of wealth, things improved. When I started getting up earlier, and working harder, and going to bed later, and sacrificing some weekends, working on making me the best me I could be, things improved. You see, The Secret was good, but to really get the ball rolling, I also had to be willing to pay the price!

In my former life, as an employee, I knew a lot of people that had a job, worked every day, and hated it. They hated Mondays and lived for Fridays at quittin’ time. They bickered and complained constantly, and worked just hard enough to keep from being fired. Then, they had the gall to complain that they didn’t get paid enough, never got big raises or the promotion they deserved, and weren’t treated fairly by the boss or the company. Here is what they were missing. They thought they should get paid more just because, and they never figured out that the best way to get paid more is to become more valuable. If they improved their attitude, worked harder, offered to take on more workload, and thought of ideas to help the company be more successful, sooner or later they would have got paid more, or got promoted, or probably both.

How do you fix this ‘the world owes me a living mentality’? First, “Don’t wish it were easier; wish you were better.” That may or may not be from Jim Rohn. Jim Rohn does expound that you will become wealthy when you spend more time working on yourself than you spend working on your job.

I will leave off here on tip #4, and we will transition into tip #5 – Develop your millionaire mind.

Please pass this on to anyone you know who may benefit from it… and I will see you soon in tip #5. Together, let’s get inspired, let’s get motivated, let’s create some buzzzz, and let’s help some people (family, friends, and ourselves) create all of the wealth and success they want in life!!!

How to Create All of the Wealth and Success You Want In Your Life – Tip #3

This is tip #3 of at least 10 in the series. I will try to publish most of them as e-zine articles, but if any are missing, they will all be available on my blog at http://thelundletters.blogspot.com/
Also on my blog are some motivational quotes that have become quite popular, as well as other articles, so earmark my blog as one of your favorites, make a habit of going there, share the link with others, and let’s see if we can create some magic in your life!

Thanks, and enjoy Tip #3…

Tip #3 – Figure out your dreams, and set goals to get there… Most of you have probably heard something along the lines of, ‘you can’t hit a target that you can not see’. Hopefully you recognize the wisdom in that.

Let’s, for a minute, liken the importance of dreams and goals to flying on a commercial airplane. Suppose the airplane has no particular course, but just takes off and flies around. Do you want to book a flight? How do you know you won’t fly into objects or other airplanes, since air traffic controllers are not guiding the plane? What are the odds you are going to end up at your desired destination, much less within an appropriate timeframe? Will you even find an airport or other place for safe landing? Or will you run out of gas before you land? A commercial airplane flying in this manner sounds ridiculous, but is it really any less ridiculous for people to go through life, hoping for all kinds of wonderful dreams to come true, but never stopping to figure out what it will take to make their dreams come true, and never making plans and setting goals to make it happen?

“If you aim at nothing, you will hit it every time.” -Zig Ziglar

I once talked to a close relative about whether or not they had dreams and goals. They responded to me that not everything was about money. Well, I responded that dreams and goals don’t have to be about money. I said that dreams and goals can be spiritual, mental, physical, emotional, or other. Dreams and goals are about figuring out what you really want out of life, and charting a course to make sure it happens.

Let me get serious and say, for a moment, imagine yourself on your deathbed… Now consider this question… “Was your life a complete success?” Then, if not, ask yourself, “What things do you wish had happened that would have made your life a complete success?” If you don’t have planned, written dreams and goals for your life, when would now be the right time?

Not sure where I heard this, but it is also pretty deep: “Talent is God’s gift to you; what you do with it is your gift to God”.

I could probably go on for pages and pages about dreams and goals, but if what I have said already doesn’t convince someone of the need, then I doubt anything else I say would. Plus, I could use the extra time to get some sleep!

Now we are 3 tips into a journey of at least 10, so you are probably starting to have a feel for what to expect from my articles… I try to give you great information, and I hope that you find it useful. I hope something I have shared with you, or share with you in the next few weeks, changes the rest of your life for the better!!! If you like my 10 tips, please pass this on to anyone you know who may benefit from it… Together, let’s get inspired, let’s get motivated, let’s create some buzzzz, and let’s help some people (family, friends, and ourselves) create all of the wealth and success they want in life!!!

Also, a sneak preview of some coming attractions… Possible tips to look forward to include: the role mentors play in your success, how important the people you associate with are to your future, and why dreams fail.

How to Create All of the Wealth and Success You Want In Your Life – Tip #2

This is tip #2 of at least 10 in the series. I will try to publish most of them as e-zine articles, but if any are missing, they will all be available on my blog at http://thelundletters.blogspot.com/
Also on my blog are some motivational quotes that have become quite popular, as well as other articles, so earmark my blog as one of your favorites, make a habit of going there, share the link with others, and let’s see if we can create some magic in your life!

Thanks, and enjoy Tip #2…

Tip #2 – ‘Think and Grow Rich’ is the title of a book by Napoleon Hill. The book is a classic that has been the starting point for many, many wealthy, successful people. As the title implies, the book uses the premise that wealth starts with your thinking. If you think that the only way to have money is to work hard and earn it, that will, by the very thinking of it, become your reality. You will work hard to earn money because you don’t know there is any other way. If, on the other hand, you think that you can become rich by coming up with great ideas that make people’s lives better, that may very well become your reality. Your reality is created first in your mind, and then the world around you conforms to your mental picture (I wrote a really intense article, titled “Visualizing Can Make All Of Your Dreams Come True”, on my blog back in May – check it out when you get a chance – it should be one of my 10 Tips, but since I already wrote that article, it might not make this series).

Have you trained yourself to see opportunities? If opportunity knocked today would you open the door and let it in? Would you even know it was knocking? In order to Think and Grow Rich, you have to learn to look for and seek out opportunities. Most people, the 99%-ers, walk past opportunities every day, because they aren’t wired to notice them. They don’t understand how to Think and Grow Rich.

Albert Einstein said, “Imagination is everything. It is the preview of life’s coming attractions.”
Mark Victor Hansen said, “What you think about comes about.”
I am not sure who said, “What you focus on expands.”
Napoleon Hill said, “What your mind can conceive and believe, you can achieve.”
I think I first heard T. Harv Eker say, “Where attention goes energy flows and results show.”

In order to create all of the wealth and success you want in your life, you need to recognize that you create your reality inside your mind first, and then you follow up with the steps and actions that make it real. Most people are sure that seeing is believing; the successful minority know that believing leads to seeing.

Now, what you can expect as we continue this journey… I will continue to give you great information, and it will continue to be up to you what you get out of it. If you read my tips, enjoy them, but do nothing with them, nothing much will happen. However, if you find some advice that is pertinent to you in your life, and you capture it, and you act on it, maybe, just maybe, something I share with you now or in the next few weeks could change the rest of your life for the better!!! Now, that would be what I would hope and pray for! Also, please pass this on to anyone you know who may benefit from it… Together, let’s get inspired, let’s get motivated, let’s create some buzzzz, and let’s help some people (family, friends, and ourselves) create all of the wealth and success they want in life!!!

How to Create All of the Wealth and Success You Want In Your Life – Tip #1

Over the next few weeks, I am going to share at least ten tips on things you can do right now, even in a bad economy, to start creating all of the wealth and success you want in your life. I will try to publish most of them as e-zine articles, but if any are missing, they will all be available on my blog at http://thelundletters.blogspot.com/
Also on my blog are some motivational quotes that have become quite popular, and I will try to add some more of them in the coming weeks, so earmark my blog as one of your favorites, make a habit of going there, and let’s see if we can create some magic in your life!

If you like what you see, refer friends and family. Check out my blog, and feel free to e-mail me comments as well, at reinvestorsfl@aol.com

Thanks, and enjoy Tip #1…

Tip #1 – Especially at a time like this, when our American economy, and to some degree world economies, are in turmoil, you must take 100% responsibility for your life, your wealth, and your success. You can not sit back and idly wait for success to come to you – you need to figure out what you want, take the bull by the horns, and go out and make your life what you want it to be.

Abraham Lincoln said, “Things may come to those who wait, but only the things left behind by those who hustle.” Are you living your life based on what is left behind, or are you out there hustling and going after the gold?

I have been using the quote, “You can have your excuses, or you can have your dreams, but you can’t have both,” for some time now, and I honestly don’t know where I got it from. I might have created it myself, or I might have got it from someone, somewhere along the line, but if so I don’t know who. Anyhow, do you go after and get what you want in life? Or do you make excuses? The easy way out is to blame the economy, blame the real estate market, blame the politicians, blame the competition, point out how bad things are, and say that just getting by is doing better than most today. Blame is a game that nobody wins. As long as it is someone or something else’s fault, you can not improve. That is the easy way out, but is it what you want for your life? “You can have your excuses, or you can have your dreams, but you can’t have both.”

“What you ardently desire, sincerely believe in, vividly imagine, and enthusiastically act on must inevitably come to pass.” -Paul J. Myer

What Paul Myer is saying in that quote is something that great and successful people have known for hundreds of years, but somehow the other 99% of us rarely get looped in. Our circumstances don’t make us – we make our circumstances. If we want something, anything, badly enough, we really can go out and make it happen in our lives. Jim Rohn has a neat saying – “you aren’t a tree”. You aren’t stuck in one place. If you aren’t happy where you are at, move. If your life isn’t what you want it to be, stop blaming, stop making excuses, figure out what you want your life to be, and start making it so! We have all heard the old adage, if you continue doing what you have always done, you will continue to get what you have always got. If you aren’t happy with your current results, own up to them, take 100% responsibility, and start figuring out and doing what is required to get where you want to go. I have had a number of young real estate investors over the years ask me for advice, and I told most something like this… start where you are right now, with what you have right now, and figure out what you need to do to get where you want to go, and then “just do it”. Nido Qubein said, “Your present circumstances don’t determine where you go; they merely determine where you start.” Isn’t that great?!!!

I am not sure if many of you have studied Abraham Lincoln much, but he had a ton of great sayings, including, “Always bear in mind that your own resolution to succeed is more important than any other one thing.” Ella Wheeler Wilcox said, “There is no chance, no destiny, no fate that can circumvent or hinder or control the firm resolve of a determined soul.” Now, personally, I think things may hinder us some, but if we are bound and determined, and we take 100% responsibility, I don’t think there is much that can keep us from accomplishing just about anything we make up our minds to accomplish.

Now, what you can expect going forward… I used a lot of quotes in this tip, and I will try no to be quite so loose with them in other tips, but I will still use some. I will continue to give you great information, and it will continue to be up to you what, if anything, you get out of it. If you read my tips, say that was nice, and go about your day, nothing much will happen. However, if you find some advice that is pertinent to you in your life, and you capture it, and you act on, maybe, just maybe, something I share with you now or in the next few weeks could change the rest of your life for the better!!! Now, that would be what I would hope and pray for! Also, please pass this on to anyone you know who may benefit from it… Together, let’s get inspired, let’s get motivated, let’s create some buzzzz, and let’s help some people (family, friends, and ourselves) create all of the wealth and success they want in life!!!

Some inspirational quotes...

"It is the best of times. It is the worst of times." -Charles Dickens

"The quality of a person's life is directly proportionate to their committment to excellence." -Vince Lombardi

"Most people are about as happy as they make up their minds to be". -Abraham Lincoln

"Talent is God's gift to you. What you do with it is your gift to God."

"If one advances confidently in the direction of his dreams and endeavors to live the life which he has imagined, he will meet with success unexpected in common people." -Henry D. Thoreau

"If you aim at nothing, you will hit it every time." -Zig Ziglar

"Don't let the learning from your own experiences take too long. If you have been doing it wrong for the last ten years, I would suggest that's long enough." -Jim Rohn

"Your present experiences don't determine where you go; they only determine where you start." -Nido Qubein

"Do what you can, with what you have, where you are." -Theodore Roosevelt

"Things don't go wrong and break your heart so you can become bitter and give up. They happen to break you down and build you up so you can be all that you were intended to be." -Charlie "Tremendous" Jones

"If you keep doing what you have always done, you will keep getting what you have always got."

"I get rich doing what I love. I deserve to be rich because I add value to other people's lives." -T. Harv Eker

"When you see yourself as good, the world you live in has a different design." -Richard Flint

"You have to make it happen." -Mean Joe Greene

"The only limits we have, are the ones we put on ourselves."

"Success starts with taking 100% responsibility for your life."

"You can have your dreams, or you can have your excuses, but you can't have both."

If I have not stated who made the quote, there are two possibilities. If you like, it is a Chris Lund original. If you don't, I heard it from someone, somewhere, but have long since forgot who!

Times Are Tough; Get Free Help Here!!!

We all know the saying, tough times don’t last, but tough people do. Well, I keep hearing (and occasionally saying) that times are tough, and I figured it was time to ‘cinch the belt in a little’. Due to a current confluence of events, I find myself looking for ways to save a little more and spend a little less (just like the good old days), so I am writing this article as much for me as I am for you!

First, in offering full disclosure, the confluence of events… My wife and I were blessed with our second son on May 10th, 2007; while definitely a blessing, he also adds to our cost of living. I quit my JOB in December 2007. Just prior to that, times were good, so I bought a big new house and a big new truck. Despite a large down payment, the house still carries a large monthly mortgage. The real estate market is doing worse than the economy overall, and the combined value of my real estate holdings has dropped quite a ways (meaning smaller paydays if/when I sell any of my existing properties in this real estate market). Last, but not least, I recently purchased two fixer upper single family houses, and we are trying to finish up one while we do the early stage repairs on the other… So the ‘cash cushion’ I kept on hand is getting tied up in the purchase and repairs of those two houses.

Second, with that out of the way, some pain free ways to save more and spend less… If you have not shopped around your automobile insurance in the past 1-2 years, now is a good time. I am not saying settle for a low quality insurer, or for less than adequate insurance, but I am saying keep your insurer honest by making sure you are getting your money’s worth. Many people are surprised by the fact that the same two insurance companies, offering the same insurance coverage, two years apart, may flip flop completely in their rates… I have experienced it personally. Also, if applicable, you may shop around other insurance, such as life, health, disability, etc. You may save money without any sacrifice! Are you on a cell phone plan that makes the most sense for your usage (I know someone personally who should be on an unlimited plan, who continually spends a fortune on overage minutes – WHY?)? If your electric bill is high, Lakeland Electric does FREE energy audits. Maybe you know about some things you aren’t willing to do right now, like upgrade to more energy efficient appliances, but maybe there are also some cheap, easy ways to reduce your electric bill significantly that you haven’t thought of. If you have a sprinkler system, is it off during heavy rain periods? Do you heat and cool your home sensibly (for instance, I heat to about 73 degrees in the winter, and cool to about 77 degrees in the summer; a 4-5 degree swing should not result in any real discomfort, and if a bigger spread doesn’t bother your family, even better)? How about giving yourself a financial check-up? Are all of your investments, evaluated individually, doing well, and do they make sense? Do you know what you are invested in, and how and why it should make you profits? Likewise, if you borrow, do your loans make sense? Could they be structured better, have better rates, etc.? Especially if you carry a balance on a high interest rate credit card, can you get it reduced somehow? I know I am constantly bombarded with zero interest rate for X amount of months credit cards that might help. As an example, when I have a loan I plan on paying off in full in the next year or two, I get a zero interest for eighteen months credit card, pay off the loan with it, and now my entire payment pays down principal instead of part going to interest. Are you one of those people that pays bills late for whatever reason, thereby incurring late fees, penalties, higher interest rates, etc.? Figure out what it takes to get and stay current, and the savings alone will help keep you there. If you tend to spend more when you use a credit card instead of cash (which most people do), chuck the credit cards. If, on the other hand, you have a high level of self discipline, then use no fee, high rewards credit cards, charge all of your normal expenditures, pay the bill in full every month, and rack up rewards (I do this and my business earns my wife and I nice meals out). In fact, since I am rehabbing two houses, I redeemed over $200 in Discover cash back bonus awards this past month. If applicable, improve your credit scores so any future borrowing will get cheaper and cheaper (better rates, lower fees). When it comes to tax time, are you getting all of the deductions you are entitled to? Many people intentionally don’t take income tax deductions they are entitled to because they think it might cause an audit; little side bar here – as long as you aren’t doing anything ‘wrong’, the audit will probably hurt less than the money you are throwing away (in the rare event you do get audited)! Here is one I have found saving me a lot of money recently… When I see something in a store I ‘have to have’, I wait and research it on-line later. Two benefits – first the urge to spend often goes away, thereby cutting out the expenditure altogether, and second, I find almost everything I research I can buy cheaper on-line than what I would have paid in the store (yes, even including shipping and handling). If you eat meals out a lot from the JOB, can you save money by packing a lunch more often? Something I find my family guilty of quite often – we throw away perfectly good leftovers while we eat out or prepare something more appetizing. Three solutions quickly come to mind – one, eat the leftovers; two, freeze the leftovers for later; three, prepare smaller meals. If you have the time and inclination (I don’t), plant a garden. Do you make sure to bargain shop, and take advantage of sales on things you know you will use anyhow? And, on the opposite side of the coin, avoid buying junk you don’t need at all just because it was on sale! Do you clip coupons, actively look for sale prices, etc.? While I think exercise is great, and I actively exercise myself, if you are one of those people who has an expensive gym membership, and only goes to the gym twice a year, get rid of it. Here is a fun, easy way to save a little dough – my wife takes my kids to the library almost weekly, and they not only get all the books they can read for free, they even get a bunch of kid’s movies on DVD! With the popularity of cell phones these days, I know many people that have done away with their land line because it was wasted money. Last and definitely not least, the old adage, Pay Yourself First! ‘If you pay yourself last, you will never do it. If you pay yourself first, you will never miss it.’ These are all things that, with just a little front end work, can help you save more and spend less without any sacrifice to your lifestyle. Next, on to the things that might hurt a little…

Third, ways to save more and spend less where the terminology ‘no pain, no gain’ applies… These you will feel a little more. Depending on how bad you want to reach your goals, how bad your financial situation is, your time constraints, etc., let’s start with the extreme – can you work more hours, get a second job, start a part-time business (even if temporarily to get over the hump)? Perhaps a stay at home spouse can pick up some work from home? In this economy many stay at home parents watch extra kids for friends or family, allowing one family to make extra money (babysitting) and allowing the other to save extra money (cheaper than daycare). Maybe private school or home schooling needs to be replaced by public school, even if only temporarily while times are tough? It isn’t for everyone, but I know one couple that happily rented out an extra room in their home for a long time. Consider a smaller, cheaper, more fuel efficient car, now or the next time you car shop (yes, as mentioned previously, I failed miserably in this category). While on the subject of vehicles, most of you are probably already combining many errands into fewer trips and avoiding unnecessary driving these days. Are you making the most of free entertainment at home? Have a brainstorm session with your family of all of the fun, free or cheap things you can think of to do at home, and then implement the favorites and save the cost of travel and entertainment out. Most Americans can save some money by eating out less, and personally I know when I cut back on soda and drink more water my body and my wallet both appreciate it. If you routinely drink coffee at Starbucks, or drink alcohol at bars/restaurants, besides the moral issues, let me kill you now for what you spend per drink! Ouch! And I won’t even get started on cigarettes/tobacco. Last, here is the thing everybody hates to do – create a budget! First and foremost, spend as you normally do, and track every penny for at least a couple of months… and find out where your money is really going. If you can make yourself do it, continue to keep track of expenses for a full year, so you are sure to include once or twice a year expenses like holidays, birthdays, insurance, taxes, etc. Nine times out of ten, there will be some expenses that are shockingly high, and you will know where to look to stop the bleeding.

This article is just to whet your appetite, but if you got some helpful hints out of it, and or you want more of the same, search the internet for some sights on saving money… I know I stumbled across some when I was looking for personal finance information not too long ago, and I saw some good tips, as well as some that I would never recommend… I will share a few since they may be good for a chuckle… Reduce showers to once a week (they said you would save on hot water, shampoo, soap; I suggest you would probably save on dating, too!). Train your cats to use the toilet (somebody claimed it can be done). Go around early on garbage day and gather what you need from what others throw away (they do say one man’s trash is another man’s treasure – LOL). Become a vegetarian - it is a cheaper lifestyle (I know meat can be expensive, but that seems extreme to a meat and potatoes guy like me!). Anyhow, enough of the extreme!!! Best wishes everyone, and hopefully I will see you… on the other side of the rainbow (you know, where the pot of gold is)!