Monday, November 29, 2010
Beautiful Chinese Traditional Dress
Numéro #119 December 2010 / January 2011 Cover | Monika "Jac" Jagaciak by Greg Kadel
Monika "Jac" Jagaciak has a secret for Numero #119
Vogue Paris - Speechless!
Abbey Lee Kershaw, Crystal Renn & Eniko Mihalik by Terry Richardson for Vogue Paris.
Terry Richardson goes west with Abbey, Crystal & Eniko for Vogue Paris.
Terry Richardson delivers his own brand of western drama for the most recent issue of Vogue Paris. Starring Abbey Lee Kershaw, Crystal Renn and Eniko Mihalik, the sexy trio commits crime as outlaws of the wild west. Outfitted by Julia von Boehm, the bad girls sport lace, sequins and fringe in Pussy West.
By Joanna.
Sunday, November 28, 2010
Friday, November 26, 2010
Elegant Red Dress
Elegant Red Dress – Let it Do the Magic For You!
Red becomes the color of the sky after the dawn spreads its magic! It is also the color of the precious stone called ruby! A typical Asian bride is also dressed up with red from head to toe; to put it in a nutshell, it is the color of joy and happiness. Red is a favorite color of most of the women around the globe. This is probably because it is a bright color which enhances women’s looks and beauty. A sexy red dress would therefore be all that a woman can ever dream of. There can hardly ever be any fashionable woman who does not have a red dress in her wardrobe. Whether it is summer or winter, the fashion of red dress is never considered out of trend. Red dresses look stylish and offer a sexy look to girls and women of all ages.
You can find these dresses in various styles, designs and patterns. Some of them are as long as running down your ankles while others are as short as just an inch above your knees. Every length dress has its own beauty and charisma. Some are suitable for formal occasions while others may look more perfect for casual affairs.
Dress No. 1 - Jason Wu
Some of the best events where you can decide to wear your favorite red dress could be:
Wedding functions
Engagement parties
Prom nights
Disco Parties
Christmas Nights with your family
Your own wedding anniversaries
Birthday parties
The list goes on and on, since there are a number of occasions where women would choose to look sexier than they actually do, so let these dresses do the magic for you.
Dress No. 2 - Notte by Marchesa
Available in fabrics such as silk, satin, net, lace, chiffon, and georgette, these dresses are best styled with high pencil and platform heels. Never forget to buy your pair of red sandals (preferable heel size is 4 inches but you can always pick the size that you are most comfortable to walk and move around in) to complement with your red dresses. Glossy or matte type red lipstick is what makes you look more exotic and sensual with the dress of this type.
By Cleo D. Pless
Tuesday, November 23, 2010
7 Ways To Tell Him What You...
Read this on a fashion magazine (Glamour) tonight. It's funny but quite smart...
7 Ways To Tell Him What You Want In Bed:
* When the sexy part of the movie comes on, lean in and whisper, "Let's put that on our to-do list."
* Ask him what he wants. Then say "My turn!"
* Claim you had a dream about it.
* Google. Send him links.
* What do you have to do, draw him a picture? Hmm, maybe!
* Tell him you heard Tom Brady does it to Gisele.
* Forgo ahead and just trust him to catch up.
...And 3 Things NOT to say:
* "Actually, let me tell you a little bit about the way my ex used to do it..."
* "Your mom and I were talking and..."
* "Can't you please just read my mind?"
7 Ways To Tell Him What You Want In Bed:
* When the sexy part of the movie comes on, lean in and whisper, "Let's put that on our to-do list."
* Ask him what he wants. Then say "My turn!"
* Claim you had a dream about it.
* Google. Send him links.
* What do you have to do, draw him a picture? Hmm, maybe!
* Tell him you heard Tom Brady does it to Gisele.
* Forgo ahead and just trust him to catch up.
...And 3 Things NOT to say:
* "Actually, let me tell you a little bit about the way my ex used to do it..."
* "Your mom and I were talking and..."
* "Can't you please just read my mind?"
Monday, November 22, 2010
My Video
My time is so precious. Work take most of my time and I rarely go to a club nowadays. But in early September my friends and I went to a club in San Francisco and we had a good time. You will not believe this, my friend then placed my video on YouTube! OMG!
Here is the link:
http://www.youtube.com/watch?v=uyrcfRiIkdk
Here is the link:
http://www.youtube.com/watch?v=uyrcfRiIkdk
Friday, September 24, 2010
The Top 10 Secrets A French Woman Knows For Beautiful Skin
1. Hydration is THE key to good skin,
which is a living, breathing organ that constantly needs water – it's also the secret to healthy hair. Hydration comes from within, and no amount of cream or magic potion in a bottle can replace the benefits of good old H2O. Drink one glass of water first thing in the morning and one before going to bed and at least six to eight more throughout the day (preferably outside meals) and additional ones if you exercise or travel. Believe me, you can learn to handle six glasses a day … it builds muscle control, too.
2. Good circulation makes one's skin glow
Don't be afraid of using cold water in the shower to get your circulation going. It's certainly part of my routine. Start by opening your pores with hot water (avoid the face – you'll see why in the next tip), then use a blast of cold water to close your pores. It works because it "shocks" the nervous system and sends a wake-up call to the brain, bringing blood and color to the skin.
3. Don't use hot water on your face
Hot water dilates blood vessels, which over time will stretch and loosen your skin. Hot water also dries skin out. Use lukewarm to cold water to wash your face and neck. My morning ritual? I put an ice cube in a small piece of cloth (to avoid breaking capillaries) and gently stroke my face, especially around the eyes. I do this right after I've had my day's first glass of water, almost immediately after I wake up.
4. Learn to navigate the health benefits and risks of the sun
Moderation is the key to everything, and that includes sunlight. Shade, sunscreen and beauty emollients with SPF are a must. You've heard that before but do you practice it? The benefits of the sun are best outside the 11 AM to 3 PM window in the summer, and wear those sunglasses, bien sûr! Spend time outdoors as part of your weekly routine.
5. Who says you need to pay for fancy facials and expensive OTC masques?
My mother – who had a beautiful peach skin – had two masques that I still use to make my skin glow: strawberry – mash a few strawberries and mix together with ½ teaspoon of honey and ½ teaspoon of Vaseline moisturizer (okay, my mom in France did not use Vaseline but a European antecedent). Apply to your whole face. After 15 minutes, rinse off. And cucumber – mix a few cucumber slices with two tablespoons of yogurt and apply to your face and eyes. Cover with a wet cloth; after 15 minutes, rinse off. Also, once or twice a week gently use a slice of lemon and apply over face. After a couple of minutes rinse with cold water.
6. Never go to bed without washing your face – never
You've heard it before but it bears repeating. Not only do you allow dirt, makeup and oils to sink into your skin all night, but they also transfer to your pillow, which builds up a residue and transfers it back to your face the next night! It's a big no!
7. Be gentle on your face
Especially around the eyes and neck, where the skin is thin. You don't want to loosen already delicate skin. After washing, lightly pat dry with a tissue or two. Do not wipe vigorously or scrub roughly. I also suggest using an oil-based eye-makeup remover; the makeup literally slides off the skin, which eliminates the need to rub it off with force. Mother's nightly beauty cream was a drop or two of olive oil (or argan oil) smoothed gently over face and neck. Works magic for the skin and the wallet.
8. Don't smoke
I don't care what perception you have about French women and cigarettes. Many incorrect generalizations exist about us – but trust me, we don't all smoke. And those who do – French or not – see the effects: premature aging, wrinkling and sallow skin.
9. Create a ritual
In America, most skincare seems to be aimed at older women looking to recapture youthful skin, once wrinkles appear. In France, skincare is a ritual that begins at a very young age, passed down, as I noted earlier, to us by our mothers. It's less about tackling wrinkles and more about caring for the skin. (Some of you might recall a scene about this in a recent episode of "Mad Men," when an advertising executive, conducting market research, asked a group of women to describe their skincare routine. Most did not have one – except for a girl whose French mother had taught her a skincare ritual: Standing each night in front of the sink until she got the perfect temperature – not too hot, not too cold – she'd slowly and delicately wash her face and pat it dry. She used nothing on her face except water.)
10. Finally, do what the French do best: Keep it simple
It's my motto for almost everything – food, fashion and skincare, too. You don't need a zillion creams, potions or procedures. I've used the same moisturizer since I was a girl. Find one cleanser and one moisturizer (with SPF) that you like, and stick with it. No need to slather your skin with too many creams or expensive cleansers. One is more than enough just make sure you are using what is right for YOU.
http://shine.yahoo.com/channel/beauty/the-top-10-secrets-every-french-woman-knows-for-beautiful-skin-2393391/#photoViewer=10
which is a living, breathing organ that constantly needs water – it's also the secret to healthy hair. Hydration comes from within, and no amount of cream or magic potion in a bottle can replace the benefits of good old H2O. Drink one glass of water first thing in the morning and one before going to bed and at least six to eight more throughout the day (preferably outside meals) and additional ones if you exercise or travel. Believe me, you can learn to handle six glasses a day … it builds muscle control, too.
2. Good circulation makes one's skin glow
Don't be afraid of using cold water in the shower to get your circulation going. It's certainly part of my routine. Start by opening your pores with hot water (avoid the face – you'll see why in the next tip), then use a blast of cold water to close your pores. It works because it "shocks" the nervous system and sends a wake-up call to the brain, bringing blood and color to the skin.
3. Don't use hot water on your face
Hot water dilates blood vessels, which over time will stretch and loosen your skin. Hot water also dries skin out. Use lukewarm to cold water to wash your face and neck. My morning ritual? I put an ice cube in a small piece of cloth (to avoid breaking capillaries) and gently stroke my face, especially around the eyes. I do this right after I've had my day's first glass of water, almost immediately after I wake up.
4. Learn to navigate the health benefits and risks of the sun
Moderation is the key to everything, and that includes sunlight. Shade, sunscreen and beauty emollients with SPF are a must. You've heard that before but do you practice it? The benefits of the sun are best outside the 11 AM to 3 PM window in the summer, and wear those sunglasses, bien sûr! Spend time outdoors as part of your weekly routine.
5. Who says you need to pay for fancy facials and expensive OTC masques?
My mother – who had a beautiful peach skin – had two masques that I still use to make my skin glow: strawberry – mash a few strawberries and mix together with ½ teaspoon of honey and ½ teaspoon of Vaseline moisturizer (okay, my mom in France did not use Vaseline but a European antecedent). Apply to your whole face. After 15 minutes, rinse off. And cucumber – mix a few cucumber slices with two tablespoons of yogurt and apply to your face and eyes. Cover with a wet cloth; after 15 minutes, rinse off. Also, once or twice a week gently use a slice of lemon and apply over face. After a couple of minutes rinse with cold water.
6. Never go to bed without washing your face – never
You've heard it before but it bears repeating. Not only do you allow dirt, makeup and oils to sink into your skin all night, but they also transfer to your pillow, which builds up a residue and transfers it back to your face the next night! It's a big no!
7. Be gentle on your face
Especially around the eyes and neck, where the skin is thin. You don't want to loosen already delicate skin. After washing, lightly pat dry with a tissue or two. Do not wipe vigorously or scrub roughly. I also suggest using an oil-based eye-makeup remover; the makeup literally slides off the skin, which eliminates the need to rub it off with force. Mother's nightly beauty cream was a drop or two of olive oil (or argan oil) smoothed gently over face and neck. Works magic for the skin and the wallet.
8. Don't smoke
I don't care what perception you have about French women and cigarettes. Many incorrect generalizations exist about us – but trust me, we don't all smoke. And those who do – French or not – see the effects: premature aging, wrinkling and sallow skin.
9. Create a ritual
In America, most skincare seems to be aimed at older women looking to recapture youthful skin, once wrinkles appear. In France, skincare is a ritual that begins at a very young age, passed down, as I noted earlier, to us by our mothers. It's less about tackling wrinkles and more about caring for the skin. (Some of you might recall a scene about this in a recent episode of "Mad Men," when an advertising executive, conducting market research, asked a group of women to describe their skincare routine. Most did not have one – except for a girl whose French mother had taught her a skincare ritual: Standing each night in front of the sink until she got the perfect temperature – not too hot, not too cold – she'd slowly and delicately wash her face and pat it dry. She used nothing on her face except water.)
10. Finally, do what the French do best: Keep it simple
It's my motto for almost everything – food, fashion and skincare, too. You don't need a zillion creams, potions or procedures. I've used the same moisturizer since I was a girl. Find one cleanser and one moisturizer (with SPF) that you like, and stick with it. No need to slather your skin with too many creams or expensive cleansers. One is more than enough just make sure you are using what is right for YOU.
http://shine.yahoo.com/channel/beauty/the-top-10-secrets-every-french-woman-knows-for-beautiful-skin-2393391/#photoViewer=10
Wednesday, July 21, 2010
Actions Speak Louder Than Words
As I grow older I pay less attention to what people say. I just watch what they do...
Wednesday, June 16, 2010
Wednesday, June 2, 2010
What Poker Taught Tony Hsieh About Business
I noticed so many similarities between poker and business that I started making a list of the lessons I learned from playing poker that could also be applied to business:
Evaluating Market Opportunities
- Table selection is the most important decision you can make.
- It’s okay to switch tables if you discover it’s too hard to win at your table.
- If there are too many competitors (some irrational or inexperienced), even if you’re the best it’s a lot harder to win.
Marketing and Branding
- Act weak when strong, act strong when weak. Know when to bluff.
- Your “brand” is important.
- Help shape the stories that people are telling about you.
Financials
- Always be prepared for the worst possible scenario.
- The guy who wins the most hands is not the guy who makes the most money in the long run.
- The guy who never loses a hand is not the guy who makes the most money in the long run.
- Go for positive expected value, not what’s least risky.
- Make sure your bankroll is large enough for the game you’re playing and the risks you’re taking.
- Play only with what you can afford to lose.
- Remember that it’s a long-term game. You will win or lose individual hands or sessions, but it’s what happens in the long term that matters.
Strategy
- Don’t play games that you don’t understand, even if you see lots of other people making money from them.
- Figure out the game when the stakes aren’t high.
- Don’t cheat. Cheaters never win in the long run.
- Stick to your principles.
- You need to adjust your style of play throughout the night as the dynamics of the game change. Be flexible.
- Be patient and think long-term.
- The players with the most stamina and focus usually win.
- Differentiate yourself. Do the opposite of what the rest of the table is doing.
- Hope is not a good plan.
- Don’t let yourself go “on tilt.” It’s much more cost-effective to take a break, walk around, or leave the game for the night.
Continual Learning
- Educate yourself. Read books and learn from others who have done it before.
- Learn by doing. Theory is nice, but nothing replaces actual experience.
- Learn by surrounding yourself with talented players.
- Just because you win a hand doesn’t mean you’re good and you don’t have more learning to do. You might have just gotten lucky.
- Don’t be afraid to ask for advice.
Culture
- You’ve gotta love the game. To become really good, you need to live it and sleep it.
- Don’t be cocky. Don’t be flashy. There’s always someone better than you.
- Be nice and make friends. It’s a small community.
- Share what you’ve learned with others.
- Look for opportunities beyond just the game you sat down to play. You never know who you’re going to meet, including new friends for life or new business contacts.
- Have fun. The game is a lot more enjoyable when you’re trying to do more than just make money.
Aside from remembering to focus on what’s best for the long term, I think the biggest business lesson I learned from poker concerned the most important decision you can make in the game. Although it seems obvious in retrospect, it took me six months before I finally figured it out.
Through reading poker books and practicing by playing, I spent a lot of time learning about the best strategy to play once I was actually sitting down at a table. My big “ah-ha!” moment came when I finally learned that the game started even before I sat down in a seat.
In a poker room at a casino, there are usually many different choices of tables. Each table has different stakes, different players, and different dynamics that change as the players come and go, and as players get excited, upset, or tired.
I learned that the most important decision I could make was which table to sit at. This included knowing when to change tables. I learned from a book that an experienced player can make ten times as much money sitting at a table with nine mediocre players who are tired and have a lot of chips compared with sitting at a table with nine really good players who are focused and don’t have that many chips in front of them.
In business, one of the most important decisions for an entrepreneur or a CEO to make is what business to be in. It doesn’t matter how flawlessly a business is executed if it’s the wrong business or if it’s in too small a market.
Imagine if you were the most efficient manufacturer of seven-fingered gloves. You offer the best selection, the best service, and the best prices for seven-fingered gloves–but if there isn’t a big enough market for what you sell, you won’t get very far.
Or, if you decide to start a business that competes directly against really experienced competitors such as Wal-Mart by playing the same game they play (for example, trying to sell the same goods at lower prices), then chances are that you will go out of business.
In a poker room, I could only choose which table I wanted to sit at. But in business, I realized that I didn’t have to sit at an existing table. I could define my own, or make the one that I was already at even bigger. (Or, just like in a poker room, I could always choose to change tables.)
I realized that, whatever the vision was for any business, there was always a bigger vision that could make the table bigger.
Evaluating Market Opportunities
- Table selection is the most important decision you can make.
- It’s okay to switch tables if you discover it’s too hard to win at your table.
- If there are too many competitors (some irrational or inexperienced), even if you’re the best it’s a lot harder to win.
Marketing and Branding
- Act weak when strong, act strong when weak. Know when to bluff.
- Your “brand” is important.
- Help shape the stories that people are telling about you.
Financials
- Always be prepared for the worst possible scenario.
- The guy who wins the most hands is not the guy who makes the most money in the long run.
- The guy who never loses a hand is not the guy who makes the most money in the long run.
- Go for positive expected value, not what’s least risky.
- Make sure your bankroll is large enough for the game you’re playing and the risks you’re taking.
- Play only with what you can afford to lose.
- Remember that it’s a long-term game. You will win or lose individual hands or sessions, but it’s what happens in the long term that matters.
Strategy
- Don’t play games that you don’t understand, even if you see lots of other people making money from them.
- Figure out the game when the stakes aren’t high.
- Don’t cheat. Cheaters never win in the long run.
- Stick to your principles.
- You need to adjust your style of play throughout the night as the dynamics of the game change. Be flexible.
- Be patient and think long-term.
- The players with the most stamina and focus usually win.
- Differentiate yourself. Do the opposite of what the rest of the table is doing.
- Hope is not a good plan.
- Don’t let yourself go “on tilt.” It’s much more cost-effective to take a break, walk around, or leave the game for the night.
Continual Learning
- Educate yourself. Read books and learn from others who have done it before.
- Learn by doing. Theory is nice, but nothing replaces actual experience.
- Learn by surrounding yourself with talented players.
- Just because you win a hand doesn’t mean you’re good and you don’t have more learning to do. You might have just gotten lucky.
- Don’t be afraid to ask for advice.
Culture
- You’ve gotta love the game. To become really good, you need to live it and sleep it.
- Don’t be cocky. Don’t be flashy. There’s always someone better than you.
- Be nice and make friends. It’s a small community.
- Share what you’ve learned with others.
- Look for opportunities beyond just the game you sat down to play. You never know who you’re going to meet, including new friends for life or new business contacts.
- Have fun. The game is a lot more enjoyable when you’re trying to do more than just make money.
Aside from remembering to focus on what’s best for the long term, I think the biggest business lesson I learned from poker concerned the most important decision you can make in the game. Although it seems obvious in retrospect, it took me six months before I finally figured it out.
Through reading poker books and practicing by playing, I spent a lot of time learning about the best strategy to play once I was actually sitting down at a table. My big “ah-ha!” moment came when I finally learned that the game started even before I sat down in a seat.
In a poker room at a casino, there are usually many different choices of tables. Each table has different stakes, different players, and different dynamics that change as the players come and go, and as players get excited, upset, or tired.
I learned that the most important decision I could make was which table to sit at. This included knowing when to change tables. I learned from a book that an experienced player can make ten times as much money sitting at a table with nine mediocre players who are tired and have a lot of chips compared with sitting at a table with nine really good players who are focused and don’t have that many chips in front of them.
In business, one of the most important decisions for an entrepreneur or a CEO to make is what business to be in. It doesn’t matter how flawlessly a business is executed if it’s the wrong business or if it’s in too small a market.
Imagine if you were the most efficient manufacturer of seven-fingered gloves. You offer the best selection, the best service, and the best prices for seven-fingered gloves–but if there isn’t a big enough market for what you sell, you won’t get very far.
Or, if you decide to start a business that competes directly against really experienced competitors such as Wal-Mart by playing the same game they play (for example, trying to sell the same goods at lower prices), then chances are that you will go out of business.
In a poker room, I could only choose which table I wanted to sit at. But in business, I realized that I didn’t have to sit at an existing table. I could define my own, or make the one that I was already at even bigger. (Or, just like in a poker room, I could always choose to change tables.)
I realized that, whatever the vision was for any business, there was always a bigger vision that could make the table bigger.
Tuesday, May 25, 2010
5 Secrets of Self-Made Millionaires
They’re just like you. But with lots of money.
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.
1. 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.”
2. 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.”
3. 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.
4. 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.
5. 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.”
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.
1. 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.”
2. 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.”
3. 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.
4. 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.
5. 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.”
Wednesday, April 14, 2010
I Miss My Loving Father...
Saw a great movie last night called "The Last Song". That movie reminds me of my loving father and his wisdom and kindness. I cried when I saw the movie. Any one who has a father is a beautiful thing and a simple happiness. My father means so much to me, I miss my loving father every single day. And I'm sure my father misses his only child every day from above.
Dad, I love you. I miss you so much. Can you feel my heart?
Life is hard and love is so fragile in the U.S.
Here is the story of the movie: Seventeen-year-old Veronica 'Ronnie' Miller's life was turned upside-down when her parents divorced and her father moved from New York City to Tybee Island, Georgia. Three years later, she remains angry and alienated from her parents, especially her father ...until her mother decides it would be in everyone's best interest if she spent the summer on Tybee Island with him. Ronnie's father, a former concert pianist and teacher, is living a quiet life in the beach town, immersed in creating a work of art that will become the centerpiece of a local church. The tale that unfolds is an unforgettable story about love in its myriad forms - first love, the love between parents and children - that demonstrates, as only a Nicholas Sparks novel can, the many ways that deeply felt relationships can break our hearts ...and heal them.
Monday, April 12, 2010
American Business Philosopher Jim Rohn
Change: We generally change ourselves for one of two reasons: inspiration or desperation.
Skills: Don’t wish it were easier; wish you were better. Don’t wish for less problems; wish for more skills. Don’t wish for less challenges; wish for more wisdom.
"Don't just read the easy stuff. You may be entertained by it, but you will never grow from it."
"Formal education will make you a living, self-education will make you a fortune"
- Jim Rohn (America's foremost business philosopher)
Monday, February 22, 2010
Zappos CEO Tony - Part 2.
I like Tony, he is such a SMART man! Here are some of the funny and wise things he said:
1. Amazing sunset on Manhattan Beach, saw 2 dolphins swimming together. Asked for an encore but I don't think they could hear me.
2. Turned to give goodbye hug to a friend and almost accidentally hugged the hotel valet guy instead.
3. On plane, old man in seat next to me raised up the armrest between us. I guess he wanted to get rid of the generation gap.
4. Tried to resist but the force was strong. Accidentally walked past a Snuggie display at Walmart, had no choice but to buy one.
5. Enjoyed dinner w/ @livestrongceo. It's always inspiring talking w/ people that are trying to change the world.
6. Kind of weird to think I lost 8 pounds over the past month from diet & exercise. That's the weight of a healthy newborn baby.
7. Study finds sugar helps with making big decisions - http://bit.ly/daGSwN
8. "Many of life's failures are people who did not realize how close they were to success when they gave up." -Thomas Edison
9. "A goal is a dream with a deadline." -Napoleon Hill (via @workhappynow)
10. http://twitpic.com/107eeo - After 10 years, we changed the Zappos.com home page. We just held a funeral. It will be missed. It led a happy life.
1. Amazing sunset on Manhattan Beach, saw 2 dolphins swimming together. Asked for an encore but I don't think they could hear me.
2. Turned to give goodbye hug to a friend and almost accidentally hugged the hotel valet guy instead.
3. On plane, old man in seat next to me raised up the armrest between us. I guess he wanted to get rid of the generation gap.
4. Tried to resist but the force was strong. Accidentally walked past a Snuggie display at Walmart, had no choice but to buy one.
5. Enjoyed dinner w/ @livestrongceo. It's always inspiring talking w/ people that are trying to change the world.
6. Kind of weird to think I lost 8 pounds over the past month from diet & exercise. That's the weight of a healthy newborn baby.
7. Study finds sugar helps with making big decisions - http://bit.ly/daGSwN
8. "Many of life's failures are people who did not realize how close they were to success when they gave up." -Thomas Edison
9. "A goal is a dream with a deadline." -Napoleon Hill (via @workhappynow)
10. http://twitpic.com/107eeo - After 10 years, we changed the Zappos.com home page. We just held a funeral. It will be missed. It led a happy life.
Friday, February 19, 2010
I Believe...
I believe... behind every successful man there is a great woman and behind every successful woman there is a great man.
Thursday, February 18, 2010
What puts a smile on your face?
Question: Angel, what puts a smile on your face?
Answer: A lot of things can put a smile on my face. And a lot of times, it is the small things that he does for me will make me happy.
1) In big, when I see my parents (especially my loving mom who have been sacrificing her life for me) and spend my time with them, will make me truly happy.
2) If my future boyfriend care about my parents.
3) If my future boyfriend take me to vacation. I love travel especially tropical countries! :)
4) If he buy me a gift (it does not have to be expensive), the heart that counts.
5) If he open car door for me, every time. Yes, every time. I like a man who is a gentleman.
6) If he pour the tea in my tea cup in a Chinese restaurant.
7) If he buy me roses on our first date, and on every holiday (such as Valentine's day).
8) If he hug me and kiss my tears when I cry.
9) If he say "I am truly sorry" after he hurt me both intentionally and unintentionally.
10) If he write me love letters. I am a very romantic girl.
11) If he support my business. If I get married, if he allow me to have my own business, I want to be in the fashion (fine evening dress, those that you see in the upscale department stores such as Neiman Marcus) or jewelry (fine jewelry) or Skin Care / Cosmetics business.
12) If he email me or text me or call me at least once a day :)
13) If he reply to my email / text message / phone call as soon as possible.
14) If he have a romantic date with me at least once a week.
15) If he is marriage-minded and want to be a husband and father.
16) To be continued...
With a dream of love,
An angel
Wednesday, February 17, 2010
I Miss You, Dad
This song almost made me cry
I miss you, dad...
I love you more than words can say
Can you feel my heart, dad?
Hurt (lyrics)
Seems like it was yesterday when I saw your face
You told me how proud you were, but I walked away
If only I knew what I know today, ooh, ooh
I would hold you in my arms, I would take the pain away
Thank you for all you've done, forgive all your mistakes
There's nothing I wouldn't do to hear your voice again
Sometimes I wanna call you but I know you won't be there
Oh, I'm sorry for blaming you
For everything I just couldn't do
And I've hurt myself by hurting you
Some days I feel broke inside but I won't admit
Sometimes I just wanna hide 'cause it's you I miss
And it's so hard to say goodbye when it comes to this, ooh
Would you tell me I was wrong? Would you help me understand?
Are you looking down upon me? Are you proud of who I am?
There's nothing I wouldn't do to have just one more chance
To look into your eyes and see you looking back
Oh, I'm sorry for blaming you
For everything I just couldn't do
And I've hurt myself, oh
If I had just one more day
I would tell you how much that I've missed you
Since you've been away
Oh, it's dangerous
It's so out of line
To try and turn back time
I'm sorry for blaming you
For everything I just couldn't do
And I've hurt myself
By hurting you
I miss you, dad...
I love you more than words can say
Can you feel my heart, dad?
Hurt (lyrics)
Seems like it was yesterday when I saw your face
You told me how proud you were, but I walked away
If only I knew what I know today, ooh, ooh
I would hold you in my arms, I would take the pain away
Thank you for all you've done, forgive all your mistakes
There's nothing I wouldn't do to hear your voice again
Sometimes I wanna call you but I know you won't be there
Oh, I'm sorry for blaming you
For everything I just couldn't do
And I've hurt myself by hurting you
Some days I feel broke inside but I won't admit
Sometimes I just wanna hide 'cause it's you I miss
And it's so hard to say goodbye when it comes to this, ooh
Would you tell me I was wrong? Would you help me understand?
Are you looking down upon me? Are you proud of who I am?
There's nothing I wouldn't do to have just one more chance
To look into your eyes and see you looking back
Oh, I'm sorry for blaming you
For everything I just couldn't do
And I've hurt myself, oh
If I had just one more day
I would tell you how much that I've missed you
Since you've been away
Oh, it's dangerous
It's so out of line
To try and turn back time
I'm sorry for blaming you
For everything I just couldn't do
And I've hurt myself
By hurting you
Sunday, February 14, 2010
People don't always appreciate...
Someone sent me this note today that I'd like to share it with you...
It's true Angel, sometimes life is sad and people don't always appreciate other people and what they do. That is just the way it is and you can't let it stop you or bring you down. Having lived a couple more decades than you, believe I have had my share of hardships and have seen the ugly and painful side of life. But here is what I know. What matters is the true love and connection that you make with other people. Everything else just fades away over time. The golden rule to me is be kind and love each other, everything else will take care of itself.
Very kindly,
Your friend
Wednesday, January 6, 2010
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