January 3rd, 2010 jeniii
1.Start each morning with a healthy breakfast, high in fiber and nutrients. Studies have shown that what you have for breakfast influences what you eat for the rest of the day. Many people go wrong by thinking a muffin is a light and healthy breakfast. WRONG! Most muffins from the bakery contain on average 340 to 640 calories, EACH. Oh and that’s without butter. Pass! For a quick on the go breakfast have a cup of non-fat yogurt with mixed blueberries, a slice of whole wheat toast and a fresh glass of orange juice (that you juiced yourself!). If you have a little more time to spare try some of these delicious recipes to jump start your morning.
2.Get up and do something! Go for a walk and check out your neighborhood, window shop at the mall, take your dog for a jog at the park or join a gym and take advantage of their exercise classes. It doesn’t matter where you are or what you do, just get active. Get your heart pumping for at least 45 minutes each day.
3.Everyone needs time to wind down, especially after a stressful day. Find a hobby! Try learning to play a new instrument, cooking an unfamiliar dish, knitting, bird watching…etc. The possibilities are endless!
4.Laugh and smile! Laughing increases the levels of endorphins in your body making you less stressed and with a healthier immune system. Pop in a funny movie that will get you laughing in no time. Studies have shown that with just 15 minutes of laughter (even fake laughter) will burn 10 to 40 calories, depending on weight. Ever heard of laughter yoga? Pretty interesting.
5.Be positive. Living your life with the, “Why me?” attitude will only weigh you down. Life is a beautiful and precious thing. Don’t sweat the small stuff! Instead of questioning yourself and your self worth, question what you can do to make it better? There is always room for improvement.
6.Cut out the toxins – smoking, drugs and excessive alcohol consumption.
7.Adopt a pet! I can’t think of another way to get active. Pets are wonderful and loyal companions and they will show you unconditional love 24/7. Plus, you will always have an excuse to get out of the house to take them for walk. It’s a win-win situation!
8.Avoid these 5 ingredients as much as possible.
9.Track your ticker! 8.6 million women die from heart disease each year, worldwide. Get your blood pressure checked regularly and follow a heart healthy diet. Just by reducing your sodium intake and exercising everyday, you are on your way to a healthier heart.
10.Get those ZzzZzz! Try to sleep 6-8 hours every night. Everyone is busy, but your body needs time to recharge. By getting the recommended hours of sleep you will feel refreshed and energized in the morning. This will set your mood for the whole day.
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February 27th, 2009 cate
There’s a wonderful post over at The Traveler’s Notebook about looking at the world where ever you happen to be, as if you’re traveling. It’s inspiring and encourages you to see things with a sense of hopeful awe.
“You know the feeling. You’re walking to the market, to the store, to meet a friend, all caught up in the plodding forward of your day…and then suddenly, you take notice of where you are. The light on a wall, the expressions on people’s faces, the feeling of the weather. A distinct sense of place creeps over you, and for a moment you feel like a traveler.
I love this feeling. It is a relief to me; ah, I haven’t forgotten what I learned on the road. How to be fully present in a place.
But it’s rare at home. We tend to get used to our surroundings pretty quickly, especially if they’re surroundings we’ve grown up in or lived in for years. And this familiarity isn’t all bad—our brains, freed up from paying acute attention to the unknown, can focus on other things—writing, school, relationships, work, projects.
And yet sometimes, the desire (Overwhelming! Insatiable! Get me on a freaking bus to Belize!) for that novelty and spark of travel is overwhelming. Sometimes a sense of …” Continue reading
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November 29th, 2008 cate
You might be wondering why I’m featuring a shredder for this site. Does it fit into the theme of body mind spirit? YES. Shredders not only take care of your personal information on letters that need to be destroyed to keep private information from getting out, but the shreds and confetti from it can be recycled and thrown into your compost pile. I love this shredder for that. Just make sure the paper is compostable. When paper is shredded finely this way, it’s easier to break down, it adds a “brown” (dry) factor to the compost to balance out the “green” wet material. Hey, and if anything, it’s sort of fun. Here’s the product information below:
The innovative Fellowes SB-87CS with Safe Sense Technology features an active sensor that stops shredding immediately when paper entry is touched. Designed for frequent shredding needs, the Fellowes Powershred SB-87CS delivers a high level of performance that’s ideal for small business or home office use. This heavy-duty personal shredder reduces documents to higher security confetti particles, and shreds up to 15 sheets per pass, 50-100 times per day, for a total daily capacity as high as 1,500 sheets. Equipped with a 9-inch wide front feed paper entry, the SB-87CS easily accepts standard letter or legal-size documents. SB87CS shreds CDs in a designated safety slot and the durable steel cutters also accept credit cards, staples and small paper clips. Electronic auto start/stop ensures quick & easy automatic shredder operation. Shredder automatically shuts off and alerts operator when a jam occurs, door is ajar or 7-gallon pullout wastebasket is full. Sheet capacity gauge helps prevent paper jams. Door offers convenient holder for oil, manual and shredder bags. Cabinet-style stand includes casters for portable ease.
Note: You can also throw this into your kitty’s litter box for extra absorption.
Get your Fellowes Powershred Sheet Confetti Cut Shredder now
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August 5th, 2008 cate
What is the difference between these millionaires and you? Not much. They are just like you except they have lots and lots of money. Can you, too? Answer: Yes.
From rd:
“When you think “millionaire,” what image comes to mind? For many of us, it’s a flashy Wall Street banker type who flies a private jet, collects cars and lives the kind of decadent lifestyle that would make Donald Trump proud.
But many modern millionaires live in middle-class neighborhoods, work full-time and shop in discount stores like the rest of us. What motivates them isn’t material possessions but the choices that money can bring: “For the rich, it’s not about getting more stuff. It’s about having the freedom to make almost any decision you want,” says T. Harv Eker, author of Secrets of the Millionaire Mind. Wealth means you can send your child to any school or quit a job you don’t like.
According to the Spectrem Wealth Study, an annual survey of America’s wealthy, there are more people living the good life than ever before—the number of millionaires nearly doubled in the last decade. And the rich are getting richer. To make it onto the Forbes 400 list of the richest Americans, a mere billionaire no longer makes the cut. This year you needed a net worth of at least $1.3 billion.
If more people are getting richer than ever, why shouldn’t you be one of them? Here, five people who have at least a million dollars in liquid assets share the secrets that helped them get there.
Set your sights on where you’re going
Twenty years ago, Jeff Harris hardly seemed on the road to wealth. He was a college dropout who struggled to support his wife, DeAnn, and three kids, working as a grocery store clerk and at a junkyard where he melted scrap metal alongside convicts. “At times we were so broke that we washed our clothes in the bathtub because we couldn’t afford the Laundromat.” Now he’s a 49-year-old investment advisor and multimillionaire in York, South Carolina.
There was one big reason Jeff pulled ahead of the pack: He always knew he’d be rich. The reality is that 80 percent of Americans worth at least $5 million grew up in middle-class or lesser households, just like Jeff.
Wanting to be wealthy is a crucial first step. Says Eker, “The biggest obstacle to wealth is fear. People are afraid to think big, but if you think small, you’ll only achieve small things.”
It all started for Jeff when he met a stockbroker at a Christmas party. “Talking to him, it felt like discovering fire,” he says. “I started reading books about investing during my breaks at the grocery store, and I began putting $25 a month in a mutual fund.” Next he taught a class at a local community college on investing. His students became his first clients, which led to his investment practice. “There were lots of struggles,” says Jeff, “but what got me through it was believing with all my heart that I would succeed.”
Educate yourself
When Steve Maxwell graduated from college, he had an engineering degree and a high-tech job—but he couldn’t balance his checkbook. “I took one finance class in college but dropped it to go on a ski trip,” says the 45-year-old father of three, who lives in Windsor, Colorado. “I actually had to go to my bank and ask them to teach me how to read my statement.”
One of the biggest obstacles to making money is not understanding it: Thousands of us avoid investing because we just don’t get it. But to make money, you must be financially literate. “It bothered me that I didn’t understand this stuff,” says Steve, “so I read books and magazines about money management and investing, and I asked every financial whiz I knew to explain things to me.”
He and his wife started applying the lessons: They made a point to live below their means. They never bought on impulse, always negotiated better deals (on their cars, cable bills, furniture) and stayed in their home long after they could afford a more expensive one. They also put 20 percent of their annual salary into investments.
Within ten years, they were millionaires, and people were coming to Steve for advice. “Someone would say, ‘I need to refinance my house—what should I do?’ A lot of times, I wouldn’t know the answer, but I’d go find it and learn something in the process,” he says.
In 2003, Steve quit his job to become part owner of a company that holds personal finance seminars for employees of corporations like Wal-Mart. He also started going to real estate investment seminars, and it’s paid off: He now owns $30 million worth of investment properties, including apartment complexes, a shopping mall and a quarry.
“I was an engineer who never thought this life was possible, but all it truly takes is a little self-education,” says Steve. “You can do anything once you understand the basics.”
Passion pays off
In 1995, Jill Blashack Strahan and her husband were barely making ends meet. Like so many of us, Jill was eager to discover her purpose, so she splurged on a session with a life coach. “When I told her my goal was to make $30,000 a year, she said I was setting the bar too low. I needed to focus on my passion, not on the paycheck.”
Jill, who lives with her son in Alexandria, Minnesota, owned a gift basket company and earned just $15,000 a year. She noticed when she let potential buyers taste the food items, the baskets sold like crazy. Jill thought, Why not sell the food directly to customers in a fun setting?
With $6,000 in savings, a bank loan and a friend’s investment, Jill started packaging gourmet foods in a backyard shed and selling them at taste-testing parties. It wasn’t easy. “I remember sitting outside one day, thinking we were three months behind on our house payment, I had two employees I couldn’t pay, and I ought to get a real job. But then I thought, No, this is your dream. Recommit and get to work.”
She stuck with it, even after her husband died three years later. “I live by the law of abundance, meaning that even when there are challenges in life, I look for the win-win,” she says.
The positive attitude worked: Jill’s backyard company, Tastefully Simple, is now a direct-sales business, with $120 million in sales last year. And Jill was named one of the top 25 female business owners in North America by Fast Company magazine.
According to research by Thomas J. Stanley, author of The Millionaire Mind, over 80 percent of millionaires say they never would have been successful if their vocation wasn’t something they cared about.
Grow your money
Most of us know the never-ending cycle of living paycheck to paycheck. “The fastest way to get out of that pattern is to make extra money for the specific purpose of reinvesting in yourself,” says Loral Langemeier, author of The Millionaire Maker. In other words, earmark some money for the sole purpose of investing it in a place where it will grow dramatically—like a business or real estate.
There are endless ways to make extra money for investing—you just have to be willing to do the work. “Everyone has a marketable skill,” says Langemeier. “When I started out, I had a tutoring business, seeing clients in the morning before work and on my lunch break.”
A little moonlighting cash really can grow into a million. Twenty-five years ago, Rick Sikorski dreamed of owning a personal training business. “I rented a tiny studio where I charged $15 an hour,” he says. When money started trickling in, he squirreled it away instead of spending it, putting it all back into the business. Rick’s 400-square-foot studio is now Fitness Together, a franchise based in Highlands Ranch, Colorado, with more than 360 locations worldwide. And he’s worth over $40 million.
When extra money rolls in, it’s easy to think, Now I can buy that new TV. But if you want to get rich, you need to pay yourself first, by putting money where it will work hard for you—whether that’s in your retirement fund, a side business or investments like real estate.
No guts, no glory
Last summer, Dave Lindahl footed the bill for 18 relatives at a fancy mansion in the Adirondacks. One night, his dad looked out at the scenery and joked, “I can’t believe we used to call you the black sheep!”
At 29, Dave was broke, living in a small apartment near Boston and wondering what to do after ten years in a local rock band. “I looked around and thought, If I don’t do something, I’ll be stuck here forever.”
He started a landscape company, buying his equipment on credit. When business literally froze over that winter, a banker friend asked if he’d like to renovate a foreclosed home. “I’m a terrible carpenter, but I needed the money, so I went to some free seminars at Home Depot and figured it out as I went,” he says.
After a few more renovations, it occurred to him: Why not buy the homes and sell them for profit? He took a risk and bought his first property. Using the proceeds, he bought another, and another. Twelve years later, he owns apartment buildings, worth $143 million, in eight states.
The Biggest Secret? Stop spending.
Every millionaire we spoke to has one thing in common: Not a single one spends needlessly. Real estate investor Dave Lindahl drives a Ford Explorer and says his middle-class neighbors would be shocked to learn how much he’s worth. Fitness mogul Rick Sikorski can’t fathom why anyone would buy bottled water. Steve Maxwell, the finance teacher, looked at a $1.5 million home but decided to buy one for half the price because “a house with double the cost wouldn’t give me double the enjoyment.”
It’s not a fluke: According to the 2007 Annual Survey of Affluence & Wealth in America, some of the richest people “spend their money with a middle-class mind-set.” They clip coupons, wait for sales and buy luxury items at a discount.
No kidding! Talk show host Tyra Banks calls herself the Queen of Cheap and keeps perfume samples from magazine ads in her purse for quick touch-ups.
Sara Blakely, founder of the $100 million shapewear company Spanx, gets her hair trimmed at Supercuts.
And Warren Buffett, the third richest person in the world, according to Forbes, lives in the same Omaha, Nebraska, home he bought four decades ago for $31,500.”
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. You just can’t go wrong with this kooky guy.