Tips To Live By

Cancer Symptoms You Are Most Likely to Ignore

2011-10-08T21:44:00.000-07:00

For Both Men and Women

Wheezing or Shortness of Breath

One of the first signs lung cancer patients remember noticing when they look back is the inability to catch their breath. "I couldn't even walk across the yard without wheezing. I thought I had asthma, but how come I didn't have it before?" is how one woman described it. Thyroid cancer can also cause breathing problems if a nodule or tumor begins to press on the trachea, or windpipe. Any breathing difficulties that persist are reason to visit the doctor.

Swallowing Problems or Hoarseness

Most commonly associated with esophageal or throat cancer, difficulty swallowing is sometimes one of the first signs of lung cancer, too. A hoarse or low, husky voice or the feeling of something pressing on the throat can be an early indicator of thyroid cancer or a precancerous thyroid nodule, as can the feeling of having something stuck in your windpipe.

Frequent Fevers or Infections

These can be signs of leukemia, a cancer of the blood cells that starts in the bone marrow. Leukemia causes the marrow to produce abnormal white blood cells, which crowd out healthy white cells, sapping the body's infection-fighting capabilities. Often, doctors diagnose leukemia only after the patient has been in a number of times complaining of fever, achiness, and flu-like symptoms over an extended period of time.

Upset Stomach

As simple as it sounds, a good old-fashioned bellyache is what tipped off a number of lucky folks, whose doctors ordered ultrasounds and discovered early that they had tumors on their livers. Stomach cramps or frequent upset stomachs may indicate colorectal cancer; many cancer patients say their doctors thought they had ulcers.

Weakness and Fatigue

"I kept having to sit down at work, and one night I was too tired to drive home," said one woman in describing the fatigue that led her to discover she had leukemia. Generalized fatigue and weakness is a symptom of so many different kinds of cancer that you'll need to look at it in combination with other symptoms. But any time you feel exhausted without explanation and it doesn't respond to getting more sleep, talk to your doctor.

Unexplained Weight Loss

If you notice the pounds coming off and you haven't made changes to your diet or exercise regime, you need to ask why. Weight loss is an early sign of colon and other digestive cancers; it's also a sign of cancer that's spread to the liver, affecting your appetite and the ability of your body to rid itself of wastes.

Changes in Fingernails

Unexplained changes to the fingernails can be a sign of several types of cancer. A brown or black streak or dot under the nail can indicate skin cancer, while newly discovered "clubbing" -- enlargement of the ends of the fingers, with nails that curve down over the tips -- can be a sign of lung cancer. Pale or white nails can be an indication that your liver is not functioning properly, sometimes a sign of liver cancer.

Chronic "Acid Stomach" or Feeling Full After a Small Meal

The most common early sign of stomach cancer is pain in the upper or middle abdomen that feels like gas or heartburn. It may be aggravated by eating, so that you feel full when you haven't actually eaten much. What's particularly confusing is that the pain can be relieved by antacids, falsely confirming your conclusion that it was caused by acid in the stomach, when it's more than that. If you have frequent bouts of acid stomach, an unexplained abdominal ache, or a full feeling after meals even when you're eating less than normal, call your doctor.

Chronic Heartburn

If you just ate half a pizza, heartburn is expected. But if you have frequent episodes of heartburn or a constant low-level feeling of pain in the chest after eating, call your doctor and ask about screening for esophageal cancer. Gastroesophageal reflux disease (GERD) -- a condition in which stomach acid rises into the esophagus, causing heartburn and an acidic taste in the throat -- can trigger a condition called Barrett's esophagus, which can be a precursor of esophageal cancer.

Bowel Problems

Constipation, diarrhea, and changes in stools can all be signs of cancer. As with many other cancer symptoms, the way to tell if this is cause for concern is if it goes on for more than a few days without a clear cause, such as flu or food poisoning. People diagnosed with colon cancer say they noticed more frequent stools, as well as a feeling that their bowels weren't emptying completely. One of the early signs of pancreatic cancer is fatty stools, which can be recognized as frequent, large stools that are paler than normal and smelly. This is a sign that your body's not absorbing your food normally, and it should be brought to your doctor's attention.

Source: Yahoo Health

The 13 Healthiest Snack Foods

2011-04-13T03:00:00.000-07:00

These tasty, nutritious packaged bites will wean you off the vending machine.

1. Dried Fruit - Extremely convenient, high in fiber, loaded with antioxidants, and able to satisfy any sweet tooth, dried fruit makes a perfect snack. Just Tomatoes, Etc.! fruits are handpicked at peak ripeness, washed, cut, and then dehydrated. FruitziO is freeze-dried in a vacuum and retains nearly all of the nutrients of its fresh counterpart.

2. Onion Garlic Pistachios

These organic pistachios open naturally on the tree (rather than being subjected to the mechanically induced method favored by many producers). Blended with sea salt, onion, and garlic, the savory snacks are full of stomach-trimming fiber, satiating protein, and heart-healthy monounsaturated fats.

3. Wild Boar Salami

Made from wild Texas boar and seasoned with cloves and juniper berries, this Creminelli salami has notes of the animal's natural diet, which includes roots, grasses, nuts, and berries.

4. Smoked Sea Salt Popcorn

This popcorn is organic and seasoned with sea salt that has been smoked over Northwest red alderwood.

5. Sunflower Crunch

High in healthy monounsaturated and polyunsaturated fats, these nutty treats are packed with zinc, which is important for maintaining a strong immune system; vitamin E, which protects against cardiovascular disease; and choline, which defends against memory loss.

6. Organic Potato Chips

These 365 Everyday Value chips are made from three simple ingredients: thin slices of organic potatoes, organic sunflower-seed oil, and a little sea salt.

7. Kale Chips

Kale is full of anti-inflammatory antioxidants and macronutrients. It's high in vitamin C, beta-carotene, and omega-3s, and it contains a multitude of disease-fighting flavonoids like kaempferol and quercetin, as well as lucosinolates, which appear to prevent cancer. So it's no surprise that people are now baking it to make chips. Living Zen Raw Organic Kale Chips are made by the monks of the Detroit Zen Center and pack a flavorful punch with tahini, lemon juice, and garlic.

8. Snack Mix

Annie's Organic Snack Mix Bunnies Cheddar is the rare snack mix that is made without preservatives or artificial colors or flavors, is low in sugar, and has only 140 calories a serving. In it you'll find pretzels and cheddar-bunny crackers (think Goldfish without all the nasty additives).

9. Sacha Inchi Roasted Seeds

Full of protein and fiber, these Amazonian seeds are roasted at a low temperature to preserve their high omega-3 content.

10. Pork and Beef Stick

Made with all-natural beef and pork, these lean, tasty meat sticks have half the calories and sodium of their convenience-store counterparts and provide more protein.

11. Seaweed Snacks

Perhaps the healthiest food on the planet, seaweed has a vast array of nutrients: iodine, iron, magnesium, manganese, phosphorus, potassium, selenium, vanadium, and zinc. Seaweed is anti-inflammatory and antiviral, and studies show that it may protect against cancer and slow the aging process. SeaSnax Classic is lightly roasted in olive oil and sprinkled with sea salt, and it's seriously addictive. Sea's Gift seaweed is roasted in sesame oil, which imparts a delicious nutty flavor.

12. Pumpkin Chips

Pumpkins are higher in beta- and alpha- carotene than almost any other food, and recent studies have found that those who eat the most orange foods live longer. These thick-cut pumpkin slices are the perfect longevity snack.

13. Salmon Jerky

This wild-sockeye and keta-salmon jerky is free of nitrites, artificial additives, and preservatives. It's also bursting with protein and brain-healthy omega-3s.

7 Things to Stop Doing Now on Facebook

2010-05-14T08:40:00.000-07:00

1. Using a Weak Password

Avoid simple names or words you can find in a dictionary, even with numbers tacked on the end. Instead, mix upper- and lower-case letters, numbers, and symbols. A password should have at least eight characters. One good technique is to insert numbers or symbols in the middle of a word, such as this variant on the word "houses": hO27usEs!

2. Leaving Your Full Birth Date in Your Profile

It's an ideal target for identity thieves, who could use it to obtain more information about you and potentially gain access to your bank or credit card account. If you've already entered a birth date, go to your profile page and click on the Info tab, then on Edit Information. Under the Basic Information section, choose to show only the month and day or no birthday at all.

3. Overlooking Useful Privacy Controls

For almost everything in your Facebook profile, you can limit access to only your friends, friends of friends, or yourself. Restrict access to photos, birth date, religious views, and family information, among other things. You can give only certain people or groups access to items such as photos, or block particular people from seeing them. Consider leaving out contact info, such as phone number and address, since you probably don't want anyone to have access to that information anyway.

4. Posting Your Child's Name in a Caption

Don't use a child's name in photo tags or captions. If someone else does, delete it by clicking on Remove Tag. If your child isn't on Facebook and someone includes his or her name in a caption, ask that person to remove the name.

5. Mentioning That You'll Be Away From Home

That's like putting a "no one's home" sign on your door. Wait until you get home to tell everyone how awesome your vacation was and be vague about the date of any trip.

6. Letting Search Engines Find You

To help prevent strangers from accessing your page, go to the Search section of Facebook's privacy controls and select Only Friends for Facebook search results. Be sure the box for public search results isn't checked.

7. Permitting Youngsters to Use Facebook Unsupervised

Facebook limits its members to ages 13 and over, but children younger than that do use it. If you have a young child or teenager on Facebook, the best way to provide oversight is to become one of their online friends. Use your e-mail address as the contact for their account so that you receive their notifications and monitor their activities. "What they think is nothing can actually be pretty serious," says Charles Pavelites, a supervisory special agent at the Internet Crime Complaint Center. For example, a child who posts the comment "Mom will be home soon, I need to do the dishes" every day at the same time is revealing too much about the parents' regular comings and goings.

Source: Consumer Reports Magazine

Bad habits can age you by 12 years, study suggests

2010-04-27T09:24:00.000-07:00

Four common bad habits combined — smoking, drinking too much, inactivity and poor diet — can age you by 12 years, sobering new research suggests.

The findings are from a study that tracked nearly 5,000 British adults for 20 years, and they highlight yet another reason to adopt a healthier lifestyle.

Overall, 314 people studied had all four unhealthy behaviors. Among them, 91 died during the study, or 29 percent. Among the 387 healthiest people with none of the four habits, only 32 died, or about 8 percent.

The risky behaviors were: smoking tobacco; downing more than three alcoholic drinks per day for men and more than two daily for women; getting less than two hours of physical activity per week; and eating fruits and vegetables fewer than three times daily.

These habits combined substantially increased the risk of death and made people who engaged in them seem 12 years older than people in the healthiest group, said lead researcher Elisabeth Kvaavik of the University of Oslo.

The study appears in Monday's Archives of Internal Medicine.

The healthiest group included never-smokers and those who had quit; teetotalers, women who had fewer than two drinks daily and men who had fewer than three; those who got at least two hours of physical activity weekly; and those who ate fruits and vegetables at least three times daily.

"You don't need to be extreme" to be in the healthy category, Kvaavik said. "These behaviors add up, so together it's quite good. It should be possible for most people to manage to do it."

For example, one carrot, one apple and a glass of orange juice would suffice for the fruit and vegetable cutoffs in the study, Kvaavik said, noting that the amounts are pretty modest and less strict than many guidelines.

The U.S. government generally recommends at least 4 cups of fruits or vegetables daily for adults, depending on age and activity level; and about 2 1/2 hours of exercise weekly.

Study participants were 4,886 British adults aged 18 and older, or 44 years old on average. They were randomly selected from participants in a separate nationwide British health survey. Study subjects were asked about various lifestyle habits only once, a potential limitation, but Kvaavik said those habits tend to be fairly stable in adulthood.

Death certificates were checked for the next 20 years. The most common causes of death included heart disease and cancer, both related to unhealthy lifestyles.

Kvaavik said her results are applicable to other westernized nations including the United States.

June Stevens, a University of North Carolina public health researcher, said the results are in line with previous studies that examined the combined effects of health-related habits on longevity.

The findings don't mean that everyone who maintains a healthy lifestyle will live longer than those who don't, but it will increase the odds, Stevens said.

Source: Yahoo! Health

Amusing Management Tips!

2009-10-12T21:33:00.000-07:00

The 5-Minute Management Course

Lesson 1:

A man is getting into the shower just as his wife is finishing up her shower, when the doorbell rings. The wife quickly wraps herself in a towel and runs downstairs. When she opens the door, there stands Bob, the next-door neighbor. Before she says a word, Bob says, ‘I’ll give you $800 to drop that towel’. After thinking for a moment, the woman drops her towel and stands naked in front of Bob After a few seconds, Bob hands her $800 and leaves. The woman wraps back up in the towel and goes back upstairs. When she gets to the bathroom, her husband asks, ‘Who was that?’ ‘It was Bob the next door neighbor,’ she replies. ‘Great,’ the husband says, ‘did he say anything about the $800 he owes me?’

Moral of the story:

If you share critical information pertaining to credit and risk with your shareholders in time, you may be in a position to prevent avoidable exposure.

Lesson 2:

A priest offered a Nun a lift. She got in and crossed her legs, forcing her gown to reveal a leg. The priest nearly had an accident. After controlling the car, he stealthily slid his hand up her leg. The nun said, ‘Father, remember Psalm 129?’ The priest removed his hand. But, changing gears, he let his hand slide up her leg again. The nun once again said, ‘Father, remember Psalm 129?’ The priest apologized ‘Sorry sister but the flesh is weak.’ Arriving at the convent, the nun sighed heavily and went on her way. On his arrival at the church, the priest rushed to look up Psalm 129 It said, ‘Go forth and seek, further up, you will find glory.’

Moral of the story:

If you are not well informed in your job, you might miss a great opportunity.

Lesson 3:

A sales rep, an administration clerk, and the manager are walking to lunch when they find an antique oil lamp. They rub it and a Genie comes out. The Genie says, ‘I’ll give each of you just one wish.’ ‘Me first! Me first!’ says the admin clerk. ‘I want to be in the Bahamas , driving a speedboat, without a care in the world.’ Poof! She’s gone. ‘Me next! Me next!’ says the sales rep. ‘I want to be in Hawaii, relaxing on the beach with my personal masseuse, an endless supply of Pina Coladas and the love of my life.’ Poof! He’s gone. ‘OK, you’re up,’ the Genie says to the manager. The manager says, ‘I want those two back in the office after lunch.’

Moral of the story:

Always let your boss have the first say.

Lesson 4:

An eagle was sitting on a tree resting, doing nothing. A small rabbit saw the eagle and asked him, ‘Can I also sit like you and do nothing?’ The eagle answered: ‘Sure , why not.’ So, the rabbit sat on the ground below the eagle and rested. All of a sudden, a fox appeared, jumped on the rabbit and ate it.

Moral of the story:

To be sitting and doing nothing, you must be sitting very, very high up.

Lesson 5:

A turkey was chatting with a bull. ‘I would love to be able to get to the top of that tree,’ sighed the turkey, ‘but I haven’t got the energy.’ ‘Well, why don’t you nibble on some of my droppings?’ replied the bull. ‘They’re packed with nutrients.’ The turkey pecked at a lump of dung, and found it actually gave him enough strength to reach the lowest branch of the tree. The next day, after eating some more dung, he reached the second branch. Finally after a fourth night, the turkey was proudly perched at the top of the tree. He was promptly spotted by a farmer, who shot him out of the tree.

Moral of the story:

BullSh*t might get you to the top, but it won’t keep you there.

Lesson 6:

A little bird was flying south for the Winter. It was so cold the bird froze and fell to the ground into a large field. While he was lying there, a cow came by and dropped some dung on him. As the frozen bird lay there in the pile of cow dung, he began to realize how warm he was. The dung was actually thawing him out! He lay there all warm and happy, and soon began to sing for joy. A passing cat heard the bird singing and came to investigate. Following the sound, the cat discovered the bird under the pile of cow dung, and promptly dug him out and ate him.

Morals of the story:

(1) Not everyone who sh*ts on you is your enemy.

(2) Not everyone who gets you out of sh*t is your friend.

(3) And when you’re in deep sh*t, it’s best to keep your mouth shut!

Best Foods for a Flat Belly

2009-04-01T10:18:00.000-07:00

What if someone told you that the way you eat could whittle your waistline? Sure, you'd think. Give up carbs and rely on rabbit food. Not true! I'm happy to tell you that there are other, yummier ways to go. Certain foods and styles of eating can indeed help flatten your belly (and everywhere else, for that matter). Try these tips and you'll uncover an amazing middle in no time.

Gimme a C: I love pink grapefruit and that's a good thing, since research has found that foods that are naturally rich in vitamin C—think citrus fruit, cantaloupe and red peppers—can help reduce fat absorption. In fact, skip it and you may see your middle expand, since diets low in vitamin C have been linked to bigger waistlines. Meet your daily goal of 75 milligrams by snacking on an orange or a cup of strawberries. See how these small changes can add up to big results.

Tea up: Women with the highest consumption of catechins, the plant-based antioxidants in tea that may boost fat burn, put on fewer pounds over 14 years than those who drank less tea, The American Journal of Clinical Nutrition reveals. Try to choose green or white varieties, which contain the most catechins. Learn how to maximize the benefits of tea and other superfoods.

Peel it off: Reach for a banana and you'll banish bloat faster than you can say Buddha belly. The fruit contains 422 mg of potassium, which controls the amount of puff-producing sodium in your system. Toss a banana in your bag for a fabulous ab-flattening snack. Try our Flat Abs Fast plan for more bloat-reducing tips and tricks.

Go low: Consuming just one meal of low-glycemic-index foods, those that your body digests slowly, can help you feel fuller all day so you're less likely to pack your tummy with treats, a study in the Journal of the American College of Nutrition reports. Low-GI foods include oatmeal and vegetables (sorry, not potatoes), as well as some fruit like grapefruit and blueberries. Oatmeal Meatballs are a tasty way to curb cravings.

Stroll away your sweet craving: Loco for cocoa? Me, too. A little dark chocolate is fine, but if you've already hit your limit, try lacing up your sneakers! Chocolate lovers who walked for 15 minutes reported reduced hankerings during the walk and even afterward, according to a study in the journal Appetite.

Ditch high-fructose corn syrup: Scan labels and you're likely to see high-fructose corn syrup on many ingredient lists...even on things like tomato sauce! When you do, put down that jar and look for something else. Why? High-fructose corn syrup can cause a surge in your blood sugar, and some research suggests it messes up your hunger and satiety signals, like leptin, leaving you less satisfied and causing you to eat more. When leptin responses fail, it's tougher to control appetite. The result: Extra calories get deposited as fat. To prevent this, trade packaged foods with high-fructose corn syrup for ones with healthy fats and fiber—think veggies, hummus, nuts or sunflower seeds.

Snap your snack: Taking a photo of your plateful of food can keep you slim. People who took pictures of everything they ate for five days reported consuming fewer snacks and being less likely to go back for seconds than during a week-long period in which they kept a written food diary, a study from the University of Wisconsin at Madison finds. Try capturing your meals for a week to help eyeball portion sizes as well as color variety—aim for more green, less white (unless it's cauliflower). See an example of this, and get ideas for healthy, photo-worthy meals of your own, at Eat Like Me.

How Shampoo Can Make Hair Look Worse

2009-03-19T21:44:00.000-07:00

Americans love to shampoo. We lather up an average of 4.59 times a week, twice as much as Italians and Spaniards, according to shampoo-maker Procter & Gamble.

But that's way too often, say hair stylists and dermatologists. Daily washing, they say, strips the hair of beneficial oil (called sebum) and can damage our locks.

Shampoo Is Big Business

The current trend of frequent shampoos may have started on May 10, 1908, when the New York Times published a column advising women that it was OK to wash their hair every two weeks. At that time, once a month was the norm.

Decades later, TV marketing campaigns began to convince us that daily washing was the thing to do. A 1970s Faberge ad for Farrah Fawcett shampoo is one example.

"All you have to do is watch her running in slow motion on a beach with her hair flopping gracefully in the wind," says Steve Meltzer, a former ad executive. The idea was, "Wash your hair with this stuff, and you, too, can be like Farrah Fawcett," Meltzer says.

Madison Avenue sold people on the idea that they could shampoo their way back to beauty.

Ads also convinced us that daily hair washing is healthy. Remember the Breck girls? Or how about Christie Brinkley's body-building for hair ad with Prell?

Skipping Shampoos Is, Well, Un-American

Americans took easily to the idea that we should shampoo frequently. And lots of us find it disgusting to shampoo any less than once a day. Take some fitness-conscious college students from Georgetown University, for example. When I told them about the old-time advice to wash once a month, they almost gagged.

"That is way too little hair shampooing," laughs Jane Caudell-Feagan.

"If I don't shower every day, my hair gets greasy, so I think it's completely heinous," says her friend Ashley Carlini. After a workout, they say, it would be disgusting not to wash your hair.

Eco-Conscious 'No-'Poo' Movement

Given our cultural propensity to lather up frequently, it may be shocking that in some eco-conscious circles of society, some people are giving up shampoo.

"There's a lot of people doing this no-shampoo movement," says 20-something blogger Jeanne Haegele. She writes a blog called LifeLessPlastic.

In an attempt to buy fewer items with plastic packaging, Haegele recently went three months without using any shampoo. Instead, she washed her hair with baking soda twice a week and conditioned it with a vinegar rinse.

She says her hair didn't smell, and her friends were very supportive. "Maybe they were secretly wondering why I smelled like a jar of pickles," she says jokingly.

She ended the no-'poo experiment after developing a bad case of dandruff, but Haegele says she might try it again.

She recalls the biggest surprise was that her hair didn't get very greasy. For now, she's using shampoo bars a few times a week.

Dermatologist Recommends Shampooing Less

Experts say Haegele's observations are not flaky. As she washed less, her sebaceous glands began producing less sebum oil.

"If you wash your hair every day, you're removing the sebum," explains Michelle Hanjani, a dermatologist at Columbia University. "Then the oil glands compensate by producing more oil," she says.

She recommends that patients wash their hair no more than two or three times a week.

There's also a lot of variation among hair types. African-Americans and people with curly hair can go even longer between washes compared to folks with straight hair.

So, it seems, less is more. And maybe our grandmothers were on to something after all.

Source: Yahoo

Attracting Abundance and Prosperity: How To Have An Abundant Business and Life

2009-01-14T22:11:00.001-08:00

People have different ways of attracting abundance and prosperity into their lives. Entrepreneurs, in particular, seem to be the most concerned about this and have a variety of ways hidden underneath their sleeves.

If you’re just starting a business, or if your business is not exactly raking in the dough, then this article is for you. If you want to learn the secrets of attracting abundance and prosperity into your business – and your personal life as well, read on!

1) Visualization Techniques

For a few minutes each day, close your eyes and visualize better clients or more customers coming in to your store.

The more detailed your mental images are, the better. Visualize with success already in your heart and in your mind… and the rest will follow. Attracting abundance and prosperity into your business starts with the belief that success is already yours.

With visualization techniques, you’re imagining and experiencing what you want to happen as if it’s occurring now. This will help augment your belief system even if you have no previous experience.

2) Use Positive Affirmations

Use positive statements as much as possible. You can even create a poster that says something like “I am attracting abundance and prosperity into my business.”

Hang it right where you can see it every day. This will help you affirm that your business is indeed successful.

3) Get Rid of Clutter

Clutter has the tendency to drain you of energy. Other people also believe that clutter tends to chase abundance and prosperity away.

Either way, being organized helps you concentrate better on your business, and allows you to feel better about yourself. Keep in mind that it is your feelings that ultimately affect the flow of your business.

Everybody wants to know the secrets of attracting abundance and prosperity into their lives. Apply these steps in your business and other aspects of your life, and experience the positive changes that will occur.

How to Build the Reading Habit

2009-01-14T21:15:00.000-08:00

To thrive in this age of knowledge, you need to increase the quality of your knowledge. It's not enough to just know about something, you need to be knowledgeable on that subject. While there are several ways to increase your knowledge, perhaps the best way is reading. Reading allows you to learn new knowledge easily from the best people in the world. While it may be difficult to meet them in person, through reading you can learn about their thoughts and life.

That's why building the reading habit is important. You need to build the reading habit to thrive in this age of knowledge. Otherwise it will be difficult for you to compete with other people who continuously learn new knowledge through their reading.

To build the reading habit, first of all you should allocate time for reading. You need to allocate time every day to read books, magazines, and other forms of reading. Even if you allocate just one hour a day, in a month you will have read for about thirty hours. That's a significant amount of time.

There's an important attitude you should have to build the reading habit and that is curiosity. If you are curious, it will be much easier to build the reading habit. Since you always have questions in your mind, you will naturally want to read more to find the answers of those questions. On the other hand, without curiosity building the reading habit will be much more difficult.

One more thing that will help you a lot to build reading habit is to bring a book wherever you go. This way when you can use idle time throughout the day for reading. When you are waiting in a queue, for example, you can use the time for reading. You will learn much more if you bring a book wherever you go.

By applying these simple tips, you make reading an indispensable part of your life. While in the short term you might not see a difference, in the long term you will be glad with your choice. By having the reading habit, you will thrive in this age of knowledge.

10 Things Millionaires Won't Tell You

2008-08-28T02:17:00.000-07:00

1. "You may think I'm rich, but I don't."

A million dollars may sound like a fortune to most people, and folks with that much cash can't complain — they're richer than 90 percent of U.S. households and earn $366,000 a year, on average, putting them in the top 1 percent of taxpayers. But the club isn't so exclusive anymore. Some 10 million households have a net worth above $1 million, excluding home equity, almost double the number in 2002. Moreover, a recent survey by Fidelity found just 8 percent of millionaires think they're "very" or "extremely" wealthy, while 19 percent don't feel rich at all. "They're worried about health care, retirement and how they'll sustain their lifestyle," says Gail Graham, a wealth-management executive at Fidelity.

Indeed, many millionaires still don't have enough for exclusive luxuries, like membership at an elite golf club, which can top $300,000 a year. While $1 million was a tidy sum three decades ago, you'd need $3.6 million for the same purchasing power today. And half of all millionaires have a net worth of $2.5 million or less, according to research firm TNS. So what does it take to feel truly rich? The magic number is $23 million, according to Fidelity.

2. "I shop at Wal-Mart..."

They may not buy the 99-cent paper towels, but millionaires know what it is to be frugal. About 80 percent say they spend with a middle-class mind-set, according to a 2007 survey of high-net-worth individuals, published by American Express and the Harrison Group. That means buying luxury items on sale, hunting for bargains — even clipping coupons.

Don Crane, a small-business owner in Santa Rosa, Calif., certainly sees the value of everyday saving. "We can afford just about anything," he says, adding that his net worth is over $1 million. But he and his wife both grew up on farms in the Midwest — where nothing was wasted — and his wife clips coupons to this day. In fact, most millionaires come from middle-class households, and roughly 70 percent have been wealthy for less than 15 years, according to the AmEx/Harrison survey. That said, there are plenty of millionaires who never check a price tag. "I've always wanted to live above my means because it inspired me to work harder," says Robert Kiyosaki, author of the 1997 best seller Rich Dad, Poor Dad. An entrepreneur worth millions, Kiyosaki says he doesn't even know what his house would go for today.

3. "...but I didn't get rich by skimping on lattes."

So how do you join the millionaires' club? You could buy stocks or real estate, play the slots in Vegas — or take the most common path: running your own business. That's how half of all millionaires made their money, according to the AmEx/Harrison survey. About a third had a professional practice or worked in the corporate world; only 3 percent inherited their wealth.

Regardless of how they built their nest egg, virtually all millionaires "make judicious use of debt," says Russ Alan Prince, coauthor of "The Middle-Class Millionaire." They'll take out loans to build their business, avoid high-interest credit card debt and leverage their home equity to finance purchases if their cash flow doesn't cut it. Nor is their wealth tied up in their homes. Home equity represents just 11 percent of millionaires' total assets, according to TNS. "People who are serious about building wealth always want to have a mortgage," says Jim Bell, president of Bell Investment Advisors. His home is probably worth $1.5 million, he adds, but he owes $900,000 on it. "I'm in no hurry to pay it off," he says. "It's one of the few tax deductions I get."

4. "I have a concierge for everything."

That hot restaurant may be booked for months — at least when Joe Nobody calls to make reservations. But many top eateries set aside tables for celebrities and A-list clientele, and that's where the personal concierge comes in. Working for retainers that range anywhere from $25 an hour to six figures a year, these modern-day butlers have the inside track on chic restaurants, spa reservations, even an early tee time at the golf club. And good concierges will scour the planet for whatever their clients want — whether it's holy water blessed personally by the Pope, rare Mexican tequila or artisanal sausages found only in northern Spain. "For some people, the cost doesn't matter," says Yamileth Delgado, who runs Marquise Concierge and who once found those sausages for a client — 40 pounds of chorizo that went for $1,000.

Concierge services now extend to medical attention as well. At the high end: For roughly $2,000 to $4,000 a month, clients can get 24-hour access to a primary-care physician who makes house calls and can facilitate admission to a hospital "without long waits in the emergency room," as one New York City service puts it.

5. "You don't get rich by being nice."

John D. Rockefeller threatened rivals with bankruptcy if they didn't sell out to his company, Standard Oil. Bill Gates was ruthless in building Microsoft into the world's largest software firm (remember Netscape?). Indeed, many millionaires privately admit they're "bastards in business," says Prince. "They aren't nice guys." Of course, the wealthy don't exactly look in the mirror and see Gordon Gekko either. Most millionaires share the values of their moderate-income parents, says Lewis Schiff, a private wealth consultant and Prince's coauthor: "Spending time with family really matters to them." Just 12 percent say that what they want most to be remembered for is their legacy in business, according to the AmEx/Harrison study.

Millionaires are also seemingly undaunted by failure. Crane, for example, now runs a successful company that screens tenants for landlords. But his first business venture, a real estate partnership, went bankrupt, costing him $20,000 — more than his house was worth at the time. "It was the most depressing time in my life, but it was the best lesson I ever learned," he says.

6. "Taxes are for little people."

Most millionaires do pay taxes. In fact, the top 1 percent of earners paid nearly 40 percent of federal income taxes in 2005 — a whopping $368 billion — according to the Internal Revenue Service. That said, the wealthy tend to derive a higher portion of their income from dividends and capital gains, which are taxed at lower rates than wages (15 percent for long-term capital gains versus 25 percent for middle-class wages). Also, high-income earners pay Social Security tax only on their first $97,500 of income.

But the big savings come from owning a business and deducting everything related to it. Landlords can also depreciate their commercial properties and expenses like mortgage interest. And that's without doing any creative accounting. Then there are the tax shelters, trusts and other mechanisms the superrich use to shield their wealth. An estimated 2 million Americans have unreported accounts offshore, and income from foreign tax shelters costs the U.S. $20 billion to $40 billion a year, according to the IRS. Indeed, "an increasing number of people want to establish an offshore fund," says Vernon Jacobs, a certified public accountant in Kansas who specializes in legal foreign accounts.

7. "I was a B student."

Mom was right when she said good grades were the key to success — just not necessarily a big bank account. According to the book "The Millionaire Mind," the median college grade point average for millionaires is 2.9, and the average SAT score is 1190 — hardly Harvard material. In fact, 59 percent of millionaires attended a state college or university, according to AmEx/Harrison.

When asked to list the keys to their success, millionaires rank hard work first, followed by education, determination and "treating others with respect." They also say that what they absorbed in class was less important than learning how to study and stay disciplined, says Jim Taylor, vice chairman of the Harrison Group. Granted, 48 percent of millionaires hold an advanced degree, and elite colleges do open doors to careers on Wall Street and in Silicon Valley (not to mention social connections that grease the wheels). But for every Ph.D. millionaire, there are many more who squeaked through school. Kiyosaki, for one, says the only way he survived college calculus was by "sitting near" the smart kids in class — "we cheated like crazy," he says.

8. "Like my Ferrari? It's a rental."

Why spend $3,000 on a Versace bag that'll be out of style as soon as next season when you can rent it for $175 a month? For that matter, why blow $250,000 on a Ferrari when for $25,000 it can be yours for a few weekends a year? Clubs that offer "fractional ownership" of jets have been popular for some time, and now the concept has extended to other high-end luxuries like exotic cars and fine art. How hot is the trend? More than 50 percent of millionaires say they plan to rent luxury goods within the next 12 months, according to a survey by Prince & Associates. Handbags topped the list, followed by cars, jewelry, watches and art. Online companies like Bag Borrow or Steal, for example, cater to customers who always want new designer accessories and jewelry, for prices starting at $15 a week.

For Suzanne Garner, a millionaire software engineer in Santa Clara, Calif., owning a $100,000 car didn't make financial sense (she drives a Mazda Miata). Instead, Garner pays up to $30,000 in annual membership fees to Club Sportiva, a fractional-ownership car club in San Francisco that lets her take out Ferraris, Lamborghinis and other exotic vehicles on weekends. "I'm all about the car," she says. And so are other people, it seems. While stopped at a light in a Ferrari recently, Garner received a marriage proposal from a guy in a pickup truck. (She declined the offer.)

9. "Turns out money can buy happiness."

It may not be comforting to folks who aren't minting cash, but the rich really are different. "There's no group in America that's happier than the wealthy," says Taylor, of the Harrison Group. Roughly 70 percent of millionaires say that money"created" more happiness for them,he notes. Higher income also correlates with higher ratings in life satisfaction, according to a new study by economists at the Wharton School of Business. But it's not necessarily the Bentley or Manolo Blahniks that lead to bliss. "It's the freedom that money buys," says Betsey Stevenson, coauthor of the Wharton study.

Concomitantly, rates of depression are lower among the wealthy, according to the Wharton study, and the rich tend to have better health than the rest of the population, says James Smith, senior labor economist at the Rand Corporation. (In fact, health and happiness are as closely correlated as wealth and happiness, Smith says.) The wealthy even seem to smile and laugh more often, according to the Wharton study, to say nothing of getting treated with more respect and eating better food. "People experience their day very differently when they have a lot of money," Stevenson says.

10. "You worry about the Joneses — I worry about keeping up with the Trumps."

Wealth may go a long way toward creating happiness, but the middle-class rich still can't afford the life of the billionaire next door — the guy who writes charity checks for $100,000 and retreats to his own private island. "What makes people happy isn't how much they're making," says Glenn Firebaugh, a sociologist at Pennsylvania State University. "It's how much they're making relative to their peers."

Indeed, for all their riches, some 40 percent of millionaires fear that their standard of living will decline in retirement and that their money will run out before they die, according to Fidelity. Of course, it may not help if their lifestyle is so lavish that they're barely squeaking by on $400,000 a year. "You can always be happier with more money," says Stevenson. "There's no satiation point." But that's the trouble with keeping up with the Trumps. "Millionaires are always looking up," says Schiff, "and think it's better up there."

Source: Smart Money

Sorting Out Caffeine's Risks and Benefits

2008-08-06T20:46:00.000-07:00

When Howard D. Schultz in 1985 founded the company that would become the wildly successful Starbucks chain, no financial adviser had to tell him that coffee was America’s leading beverage and caffeine its most widely used drug. The millions of customers who flock to Starbucks to order a double espresso, latte or coffee grande attest daily to his assessment of American passions.

Although the company might have overestimated consumer willingness to spend up to $4 for a cup of coffee — it recently announced that it would close hundreds of underperforming stores — scores of imitators that now sell coffee, tea and other products laced with caffeine reflect a society determined to run hard on as little sleep as possible.

But as with any product used to excess, consumers often wonder about the health consequences. And researchers readily oblige. Hardly a month goes by without a report that hails coffee, tea or caffeine as healthful or damns them as potential killers.

Can all these often contradictory reports be right? Yes. Coffee and tea, after all, are complex mixtures of chemicals, several of which may independently affect health.

Caffeine Myths

Through the years, the public has been buffeted by much misguided information about caffeine and its most common source, coffee. In March the Center for Science in the Public Interest published a comprehensive appraisal of scientific reports in its Nutrition Action Healthletter. Its findings and those of other research reports follow.

Hydration. It was long thought that caffeinated beverages were diuretics, but studies reviewed last year found that people who consumed drinks with up to 550 milligrams of caffeine produced no more urine than when drinking fluids free of caffeine. Above 575 milligrams, the drug was a diuretic.

So even a Starbucks grande, with 330 milligrams of caffeine, will not send you to a bathroom any sooner than if you drank 16 ounces of pure water. Drinks containing usual doses of caffeine are hydrating and, like water, contribute to the body’s daily water needs.

Heart disease. Heart patients, especially those with high blood pressure, are often told to avoid caffeine, a known stimulant. But an analysis of 10 studies of more than 400,000 people found no increase in heart disease among daily coffee drinkers, whether their coffee came with caffeine or not.

“Contrary to common belief,” concluded cardiologists at the University of California, San Francisco, there is “little evidence that coffee and/or caffeine in typical dosages increases the risk” of heart attack, sudden death or abnormal heart rhythms.

In fact, among 27,000 women followed for 15 years in the Iowa Women’s Health Study, those who drank one to three cups a day reduced their risk of cardiovascular disease by 24 percent, although this benefit diminished as the quantity of coffee rose.

Hypertension. Caffeine induces a small, temporary rise in blood pressure. But in a study of 155,000 nurses, women who drank coffee with or without caffeine for a decade were no more likely to develop hypertension than noncoffee drinkers. However, a higher risk of hypertension was found from drinking colas. A Johns Hopkins study that followed more than 1,000 men for 33 years found that coffee drinking played little overall role in the development of hypertension.

Cancer. Panic swept this coffee-dependent nation in 1981 when a Harvard study tied the drink to a higher risk of pancreatic cancer. Coffee consumption temporarily plummeted, and the researchers later concluded that perhaps smoking, not coffee, was the culprit.

In an international review of 66 studies last year, scientists found coffee drinking had little if any effect on the risk of developing pancreatic or kidney cancer. In fact, another review suggested that compared with people who do not drink coffee, those who do have half the risk of developing liver cancer.

And a study of 59,000 women in Sweden found no connection between coffee, tea or caffeine consumption and breast cancer.

Bone loss. Though some observational studies have linked caffeinated beverages to bone loss and fractures, human physiological studies have found only a slight reduction in calcium absorption and no effect on calcium excretion, suggesting the observations may reflect a diminished intake of milk-based beverages among coffee and tea drinkers.

Dr. Robert Heaney of Creighton University says that caffeine’s negative effect on calcium can be offset by as little as one or two tablespoons of milk. He advised that coffee and tea drinkers who consume the currently recommended amount of calcium need not worry about caffeine’s effect on their bones.

Weight loss. Here’s a bummer. Although caffeine speeds up metabolism, with 100 milligrams burning an extra 75 to 100 calories a day, no long-term benefit to weight control has been demonstrated. In fact, in a study of more than 58,000 health professionals followed for 12 years, both men and women who increased their caffeine consumption gained more weight than those who didn’t.

Health Benefits

Probably the most important effects of caffeine are its ability to enhance mood and mental and physical performance. At consumption levels up to 200 milligrams (the amount in about 16 ounces of ordinary brewed coffee), consumers report an improved sense of well-being, happiness, energy, alertness and sociability, Roland Griffiths of the Johns Hopkins School of Medicine reported, although higher amounts sometimes cause anxiety and stomach upset.

Millions of sleep-deprived Americans depend on caffeine to help them make it through their day and drive safely. The drug improves alertness and reaction time. In the sleep-deprived, it improves memory and the ability to perform complex tasks.

For the active, caffeine enhances endurance in aerobic activities and performance in anaerobic ones, perhaps because it blunts the perception of pain and aids the ability to burn fat for fuel instead of its carbohydrates.

Recent disease-related findings can only add to coffee’s popularity. A review of 13 studies found that people who drank caffeinated coffee, but not decaf, had a 30 percent lower risk of Parkinson’s disease.

Another review found that compared with noncoffee drinkers, people who drank four to six cups of coffee a day, with or without caffeine, had a 28 percent lower risk of Type 2 diabetes. This benefit probably comes from coffee’s antioxidants and chlorogenic acid.

Source: Yahoo