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<channel>
	<title>The Anti-Millionaire.com</title>
	
	<link>http://www.theanti-millionaire.com</link>
	<description>Real advice from The Anti-Millionaire to improve your financial health, build real wealth, and the motivation and mind-set to get you there!</description>
	<pubDate>Sat, 27 Sep 2008 20:38:40 +0000</pubDate>
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		<title>DNA Is Not Destiny</title>
		<link>http://www.theanti-millionaire.com/?p=39</link>
		<comments>http://www.theanti-millionaire.com/?p=39#comments</comments>
		<pubDate>Sat, 09 Aug 2008 01:15:16 +0000</pubDate>
		<dc:creator />
		
		<category><![CDATA[Achieving Dreams]]></category>

		<category><![CDATA[Healthy Habits]]></category>

		<category><![CDATA[Personal Growth]]></category>

		<category><![CDATA[quality of life]]></category>

		<category><![CDATA[simplified lifestyle]]></category>

		<category><![CDATA[Biology of Belief]]></category>

		<category><![CDATA[Bruce Lipton]]></category>

		<category><![CDATA[meditation]]></category>

		<category><![CDATA[Ph.D.]]></category>

		<category><![CDATA[Subconscious Beliefs]]></category>

		<guid isPermaLink="false">http://www.theanti-millionaire.com/?p=39</guid>
		<description><![CDATA[“If you believe you can, or if you believe you can’t, - you’re right.” Henry Ford

I just finished a fascinating book titled, “The Biology of Belief,” by Bruce Lipton, Ph.D. Lipton is former Stanford  University biologist whose work focused on cloning. He writes that, unlike what most of us learned in life science class, [...]]]></description>
			<content:encoded><![CDATA[<p>“If you believe you can, or if you believe you can’t, - you’re right.” Henry Ford</p>
<p class="MsoNormal">
<p class="MsoNormal">I just finished a fascinating book titled, “The Biology of Belief,” by Bruce Lipton, Ph.D. Lipton is former Stanford  University biologist whose work focused on cloning. He writes that, unlike what most of us learned in life science class, the nucleus is not the brain of the cell. The membrane or what he calls the “mem-brain,” which is outer skin of the cell, is the actual brain that turns on the release of certain proteins in the cell depending on the information that the “mem-brain” receives from its environment.</p>
<p class="MsoNormal">This is a real break-through in understanding how thoughts control your life, and physiology because what he’s saying is that cellular function is not hard wired by DNA, but influenced by stimuli, or thought fields, in the environment. The stimuli trigger one of two states; growth or protection, and a cell cannot be in both states simultaneously. It’s either growing, or it’s not.</p>
<p class="MsoNormal">Lipton gives the example of how thought energy can activate or inhibit the cell’s function. When you’re scared, or fearful your body produces cortisol the stress hormone. When the stress hormone is registered by the cell membrane it goes into the protection response and puts up a barrier to keep out foreign substances – even nutrients – which it likens to invaders. Over time if the level of cortisol remains high that cell will starve and become sick, or die because the protection response is one of shutting down and barricading itself against the enemy. It is the opposite of growth. When the body is in a relaxed state it’s in a growth state and the membrane easily allows nutrients to pass through to nourish the cell.</p>
<p class="MsoNormal">What this means is that our thoughts, or state of mind, directly affects us on a cellular level. If we let fears and negative thought patterns control us we inhibit our cellular growth and can eventually produce disease, or dis-ease, in our bodies and our minds. And, it makes no difference if the fears are unfounded either, because the cell will go into protection response regardless of whether the thoughts have a basis in truth, or not. Also, we cannot shout, “I am fine!” if deep down we believe we aren’t. Either way, our deeply ingrained subconscious beliefs win out every time. So, it’s really important to weed our minds of unfounded fears and beliefs if we want to succeed.</p>
<p class="MsoNormal">By learning to control our thoughts we will also be taking control of our health. The best way I know of to turn off negative mind chatter and clear negative belief patterns is to meditate. If you get into the habit of doing it everyday you’ll see a dramatic reduction in your stress level and tremendous increase in your happiness quotient.</p>
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		<title>Do Your Work With Your Whole Heart</title>
		<link>http://www.theanti-millionaire.com/?p=38</link>
		<comments>http://www.theanti-millionaire.com/?p=38#comments</comments>
		<pubDate>Sat, 02 Aug 2008 00:40:19 +0000</pubDate>
		<dc:creator />
		
		<category><![CDATA[Achieving Dreams]]></category>

		<category><![CDATA[Credit card debt]]></category>

		<category><![CDATA[Healthy Habits]]></category>

		<category><![CDATA[Personal Growth]]></category>

		<category><![CDATA[mid-life career change]]></category>

		<category><![CDATA[quality of life]]></category>

		<category><![CDATA[simplified lifestyle]]></category>

		<category><![CDATA[Job satsifaction]]></category>

		<category><![CDATA[self-improvement]]></category>

		<guid isPermaLink="false">http://www.theanti-millionaire.com/?p=38</guid>
		<description><![CDATA[Do your work with your whole heart, and you will succeed. (from my fortune cookie)
I love this fortune. It&#8217;s so simple yet very meaningful.
The best way to deal with these challenging times is to find the joy in what you do - and put your whole heart into it. If the job isn&#8217;t you&#8217;re idea [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Do your work with your whole heart, and you will succeed.</strong> (from my fortune cookie)</p>
<p>I love this fortune. It&#8217;s so simple yet very meaningful.</p>
<p>The best way to deal with these challenging times is to find the joy in what you do - and put your whole heart into it. If the job isn&#8217;t you&#8217;re idea of perfect, and you have no other choices, find something, even the smallest part of that job and find the joy in it. The more you focus on the joy, the more things you&#8217;ll find that you enjoy in that job.</p>
<p>It&#8217;s no different than when we were little and we would tense-up when the doctor went to give us an injection. Tensing up only made it hurt more, but no matter how many times Mom told us that we continued to tense-up when were given injections. Now, as adults we know to look away and remain relaxed when the needle is inserted and we barely feel the pinch, if at all.</p>
<p>When you put your whole heart into something it becomes a joy to do. And, whatever is a joy to do flows with ease. When we tense up with negative emotions such as fear, or anger, for example, we dam-up the flow and actually end up making things worse in our lives.</p>
<p>When in doubt follow the path of least resistance. Resistance is painful, acceptance peaceful.</p>
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		<title>Walking the Path of Least Resistance</title>
		<link>http://www.theanti-millionaire.com/?p=37</link>
		<comments>http://www.theanti-millionaire.com/?p=37#comments</comments>
		<pubDate>Fri, 01 Aug 2008 03:15:33 +0000</pubDate>
		<dc:creator />
		
		<category><![CDATA[Achieving Dreams]]></category>

		<category><![CDATA[Healthy Habits]]></category>

		<category><![CDATA[Personal Growth]]></category>

		<category><![CDATA[quality of life]]></category>

		<category><![CDATA[simplified lifestyle]]></category>

		<category><![CDATA[higher consciousness]]></category>

		<category><![CDATA[self-improvement]]></category>

		<category><![CDATA[spiritual growth]]></category>

		<guid isPermaLink="false">http://www.theanti-millionaire.com/?p=37</guid>
		<description><![CDATA[Today on my morning walk something unusual took place. I started out going down hill, which isn’t at all unusual since I live on the top of a hill. But, about 15 minutes into it the sun filtered through the trees above a particularly lovely stone house with beautiful landscaping, and fell upon the right [...]]]></description>
			<content:encoded><![CDATA[<p>Today on my morning walk something unusual took place. I started out going down hill, which isn’t at all unusual since I live on the top of a hill. But, about 15 minutes into it the sun filtered through the trees above a particularly lovely stone house with beautiful landscaping, and fell upon the right side of my face. At that moment the world around me changed. I can only describe it as being similar to an episode of <em>The Dead Zone</em> where the main character places his hand on someone and then he’s transported into a scene from the other person’s world.  Suddenly I was there walking, and then the warmth of the sun hit my cheek, and then I wasn’t.</p>
<p class="MsoNormal">I felt connected to everyone and every living thing, and a thoroughly magnificent joy welled up from within me. All the colors were brighter- the trees were greener, and the sky bluer. While I knew I was still walking I felt as if I were floating. I was still me, but aware that I was part of something greater. I also knew that this place – this joy – was the place where life emanates, and the ‘stuff’ from which we create our lives. I also understood that thought patterns such as fears and worry were false distractions that veiled my consciousness from this primal state of being. And, I realized that great accomplishments spring from this joyous source; not from a place of lamenting the conditions of our lives.</p>
<p class="MsoNormal">It lasted only seconds but for the remainder of my walk I was exuberant and full of energy. I never slowed down – not even climbing several more hills. I just kept thinking of how all the energy spent focusing on our problems actually dams-up our consciousness, preventing us from accessing answers from that sublime pool of joy. It also occurred to me that when fear and worry block the natural flow of our energetic thought patterns it drains us, whereas joy and happiness are energizing because they flow unobstructed along the path of least resistance to manifest in our lives.</p>
<p class="MsoNormal">I would characterize loving your life, doing what you love and loving what you do as following the path of least resistance.</p>
<p class="MsoNormal">From now on I’m walking the path of least resistance. <span> </span></p>
<p class="MsoNormal">
<p class="MsoNormal">
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		<title>Have We Reached the Final Stretch of the Real Estate Downturn?</title>
		<link>http://www.theanti-millionaire.com/?p=36</link>
		<comments>http://www.theanti-millionaire.com/?p=36#comments</comments>
		<pubDate>Wed, 30 Jul 2008 23:36:33 +0000</pubDate>
		<dc:creator />
		
		<category><![CDATA[Mortgage Debt]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[quality of life]]></category>

		<category><![CDATA[home sales]]></category>

		<category><![CDATA[real estate bubble]]></category>

		<category><![CDATA[real estate sales]]></category>

		<category><![CDATA[recession]]></category>

		<guid isPermaLink="false">http://www.theanti-millionaire.com/?p=36</guid>
		<description><![CDATA[Last week I received two real estate reports I subscribe to. Both pointed to slight decreases in unsold inventory in several markets such as California, Nevada, New Jersey, and the national average. This trend could be the beginning of the real estate recovery we&#8217;ve all been praying for. Consumer confidence rose slightly in July too, [...]]]></description>
			<content:encoded><![CDATA[<p>Last week I received two real estate reports I subscribe to. Both pointed to slight decreases in unsold inventory in several markets such as California, Nevada, New Jersey, and the national average. This trend could be the beginning of the real estate recovery we&#8217;ve all been praying for. Consumer confidence rose slightly in July too, so that&#8217;s another good sign. If the recession is short-lived we could see the market coming back by next spring.</p>
<p>On one of my walks around town this weekend, I passed a block where three homes in a row had been for sale. One sold late this spring, and the other two now have signs saying they&#8217;re under contract. I think things are getting better in the real estate market. Houses are selling. Every realtor I speak to confirms this. It&#8217;s just going to take a while for the public at large to catch on and change their perception.</p>
<p>If you&#8217;re in the market to buy - start looking and buy this year. If things turn around we could see appreciating prices by the next spring market. And, by the way the spring market actually begins in February.</p>
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		<title>Now Is The Time to Do What You Love</title>
		<link>http://www.theanti-millionaire.com/?p=35</link>
		<comments>http://www.theanti-millionaire.com/?p=35#comments</comments>
		<pubDate>Sun, 27 Jul 2008 16:18:48 +0000</pubDate>
		<dc:creator />
		
		<category><![CDATA[Achieving Dreams]]></category>

		<category><![CDATA[Personal Growth]]></category>

		<category><![CDATA[Time management]]></category>

		<category><![CDATA[dream interpretation]]></category>

		<category><![CDATA[mid-life career change]]></category>

		<category><![CDATA[quality of life]]></category>

		<category><![CDATA[simplified lifestyle]]></category>

		<category><![CDATA[becoming a writer]]></category>

		<category><![CDATA[right livelihood]]></category>

		<category><![CDATA[your career]]></category>

		<guid isPermaLink="false">http://www.theanti-millionaire.com/?p=35</guid>
		<description><![CDATA[Recently, I dreamed of aunt who&#8217;d passed away that I&#8217;d been very close to.
I was driving around the old neighborhood in Yonkers when I saw her standing outside a local delicatessen, laughing and speaking animatedly to a friend. I was so excited to see her again and at the prospect of hearing her laugh - [...]]]></description>
			<content:encoded><![CDATA[<p>Recently, I dreamed of aunt who&#8217;d passed away that I&#8217;d been very close to.</p>
<p>I was driving around the old neighborhood in Yonkers when I saw her standing outside a local delicatessen, laughing and speaking animatedly to a friend. I was so excited to see her again and at the prospect of hearing her laugh - an infectious laugh she was famous for. I rushed to find a parking spot so that I could go to her immediately.</p>
<p>When I arrived at the deli her face lit up at seeing me, and she smiled warmly. I was about to embrace her when a business colleague appeared out of no where saying he needed my immediate attention. I was annoyed, but felt duty-bound to help him with this work related problem. I turned to my aunt and gestured that I&#8217;d be with her in a minute. I hoped to be able to deal with the work issue as quickly as possible so I could get on with spending some quality time with her.</p>
<p>After a few moments with my colleague the crisis was solved and I turned my attention back to my aunt, but she was gone! I was heart-broken to find that she&#8217;d disappeared and furious with the work colleague who&#8217;d diverted my attention.</p>
<p>When I awoke I was very disturbed about the dream. I decided I would meditate on it to see why it had upset me so much. As I relaxed an answer came to me.</p>
<p>I was upset because, once again, I&#8217;d allowed work to interfere with something I loved dearly. I realized that this dream was just a short-hand for my entire working life. I&#8217;d never allowed myself to pursue what I loved doing, except for the 3 years I took off to pursue my education, which were 3 of the happiest years I can remember. I&#8217;d always placed my passion for writing on the back burner and thought it insignificant compared to the &#8220;real&#8221; work that paid me well. I also realized I had no one to blame but myself - I could have told my work colleague to wait, but I hadn&#8217;t.</p>
<p>I&#8217;ve decided my dream is very important and urgent message I must listen to. It&#8217;s time to put all my energy into doing what I love - do it or die trying! I&#8217;d been contemplating going back into Private Banking again since it would give me a healthy and steady income, but when I think about actually having to do it, I feel weighted down and horribly depressed. I feel the message for me is, &#8220;Do what you love - and do it now.&#8221;</p>
<p>Has anyone else had a similar experience, or dream they&#8217;d like to share?</p>
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		<title>If You’ve Never Failed - You’re Not Trying Hard Enough to Succeed</title>
		<link>http://www.theanti-millionaire.com/?p=33</link>
		<comments>http://www.theanti-millionaire.com/?p=33#comments</comments>
		<pubDate>Tue, 22 Jul 2008 02:34:47 +0000</pubDate>
		<dc:creator />
		
		<category><![CDATA[Achieving Dreams]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[Personal Growth]]></category>

		<category><![CDATA[quality of life]]></category>

		<category><![CDATA[A.J.Khubani]]></category>

		<category><![CDATA[Dreams]]></category>

		<category><![CDATA[Failure]]></category>

		<category><![CDATA[Goals]]></category>

		<category><![CDATA[PedEgg]]></category>

		<category><![CDATA[success]]></category>

		<category><![CDATA[Telebrands Corp]]></category>

		<guid isPermaLink="false">http://www.theanti-millionaire.com/?p=33</guid>
		<description><![CDATA[Many successful people have failed while attempting to achieve their goals. The reason they made it though is that they didn&#8217;t allow criticism or failure to deter them from pressing on. They had a vision of what their lives could be, and used their failure as a lesson and stepping stone to get them to [...]]]></description>
			<content:encoded><![CDATA[<p>Many successful people have failed while attempting to achieve their goals. The reason they made it though is that they didn&#8217;t allow criticism or failure to deter them from pressing on. They had a vision of what their lives could be, and used their failure as a lesson and stepping stone to get them to their goal. Thomas Edison put it best when he said, &#8220;<span class="body">I have not failed. I&#8217;ve just found 10,000 ways that won&#8217;t work.</span>&#8221;</p>
<p>(I found this great video on famous people who&#8217;ve failed. To watch just click on the link below.)</p>
<p><a href="http://www.youtube.com/watch?v=zVt1AldH3_k">Famous People Who\&#8217;ve Failed<br />
</a></p>
<p>If you have a dream declare it boldly! Do not be afraid of what anyone thinks. Many new ideas are not accepted at first. Just think of how many people must have laughed at the Wright brothers before they designed a plane that actually could fly. Create an plan to achieve your goal and begin working it. Even if you&#8217;re first few attempts backfire - keep going. Remember, the people who dare to laugh are the ones most  afraid of failure.</p>
<p>This month one of my articles, published in BC The Magazine July/August issue, is a profile of fascinating business man, A.J. Khubani. Khubani&#8217;s company, Telebrands Corp, markets products with the red AS SEEN ON TV label, such as the PedEgg, the StickUp Bulb, and the GoDuster. Khubani started his business right out of college and it was NOT an overnight success, but he stuck with it.</p>
<p>Twenty-five years later his company is worth $100 million. The most interesting part of our interview was when he spoke of failing and almost losing his business, and his home in 2000. He responded that failure and challenging times help us to mature. He also said that if he had a chance he wouldn&#8217;t change a thing in his life; that&#8217;s now much he valued the experience of failing.</p>
<p>So, if you have a dream and a vision for your life don&#8217;t cower in the corner fearing failure - go for it. And, remember if you fail you&#8217;re in great company. And, after remembering your in great company, pick yourself up, dust yourself off and get back in there!</p>
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		<title>Repay! Repay! How to Find Hidden Money in Your Budget</title>
		<link>http://www.theanti-millionaire.com/?p=32</link>
		<comments>http://www.theanti-millionaire.com/?p=32#comments</comments>
		<pubDate>Mon, 21 Jul 2008 00:44:37 +0000</pubDate>
		<dc:creator />
		
		<category><![CDATA[Credit card debt]]></category>

		<category><![CDATA[Mortgage Debt]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[consumer debt]]></category>

		<category><![CDATA[quality of life]]></category>

		<category><![CDATA[simplified lifestyle]]></category>

		<category><![CDATA[Consumerism]]></category>

		<category><![CDATA[Foreclosure]]></category>

		<category><![CDATA[Mortgage Refinance]]></category>

		<category><![CDATA[Paying down debt]]></category>

		<category><![CDATA[saving money]]></category>

		<category><![CDATA[Struggling homeowners]]></category>

		<guid isPermaLink="false">http://www.theanti-millionaire.com/?p=32</guid>
		<description><![CDATA[The Sunday edition of The New York Times had an excellent article titled, Given a Shovel, Digging Deeper into Debt, about the dangers of using credit cards and cash-out refinances to live beyond your means. The story focuses on a woman, who like millions of homeowners in recent years, refinanced her home several times to [...]]]></description>
			<content:encoded><![CDATA[<p>The Sunday edition of The New York Times had an excellent article titled, <em>Given a Shovel, Digging Deeper into Debt</em>, about the dangers of using credit cards and cash-out refinances to live beyond your means. The story focuses on a woman, who like millions of homeowners in recent years, refinanced her home several times to pay off credit card debt, until she ended up $271,000.00 in debt; $129,000.00 more than the original loan amount she’d taken to buy her house. Her financial house of cards came crashing down when she had a serious medical emergency, and then later lost both her jobs. Her home is now in foreclosure.</p>
<p class="MsoNormal">The article also placed some of the blame on lenders’ policies of easy access to money for both mortgages and credit cards, and their strategic marketing campaigns designed to ease the guilt associated with spending money and increasing debt. The woman in the article says what she regrets most is all her needless shopping. She said if she had it to do all over again she would learn to deal with her emotions instead of using shopping as therapy.</p>
<p class="MsoNormal">I’ve written several similar posts on this such as; <em>Is Advertising Making up Poor?</em>; <em>Creating Kindergarten Consumers</em>; <em>Will We Ever Learn When it Comes to Mortgage Lending?</em>; and <em>How to Reduce Credit Card Debt</em> all dealing with the issue of living beyond your means, and our addiction to consumerism. The road to financial solvency and real wealth begins with reducing, and then eliminating credit card debt.</p>
<p class="MsoNormal">To find the extra cash needed to pay off credit cards take a hard look at where your money goes each month:</p>
<p class="MsoNormal">1. Bottled water. Buy a water filter instead and “make” your own.</p>
<p class="MsoNormal">2. Don’t use paper towels for everything from cleaning to spills. Buy some good dishtowels and micro-fiber cleaning cloths that can be washed and used over and over.</p>
<p class="MsoNormal">3. Do not waste another cent on disposable ANYTHING from paper plates, plastic cups and utensils, coffee filters, toilet scrubbers, to mop cloths. Buy permanent and reusable items instead.</p>
<p class="MsoNormal">4. Go through your pantry once a month and pull everything out. You’ll probably find you already have 2 or 3 of everything you keep buying each time you go grocery shopping.</p>
<p>5. Cut back, or cancel your cable television entirely. You’ll be surprised how much time opens up to do other things in your life.</p>
<p class="MsoNormal">6. Stop shopping for clothes for every occasion. Go through your closet and find all the clothes with tags on them, or that you rarely wear – and start wearing them. Everyone will think you bought new clothes anyway.</p>
<p class="MsoNormal">7. Use up all the shampoos and conditioners you have lining the shelves of your medicine chest before you go out to buy more.</p>
<p class="MsoNormal">8. Don’t pay to have others do the things you can do yourself such as house cleaning, manicures, or hair coloring. Cancel the fancy landscaping and fertilizer service. Scale back to just a mowing service, or better yet cut the grass and trim the bushes yourself.</p>
<p class="MsoNormal">9. Wait a day and think before making a purchase on credit. Many times the impulse to buy fades within a day or two and we realize we really don’t need the thing as much as we thought we did anyway.</p>
<p class="MsoNormal">You’ll be surprised how much more money you’ll have to pay down credit card debt when you cut back on just a few of these things. Look around there are probably more things you can cut. Commit to buying with cash from now on and you’ll be on your way to attaining real wealth.</p>
<p class="MsoNormal">To read the NYT article paste this link into your browser:</p>
<p class="MsoNormal">http://www.nytimes.com/2008/07/20/business/20debt.html?th&amp;emc=th</p>
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		<item>
		<title>Home Sharing can Help Ease Mortgage Burdens</title>
		<link>http://www.theanti-millionaire.com/?p=31</link>
		<comments>http://www.theanti-millionaire.com/?p=31#comments</comments>
		<pubDate>Wed, 16 Jul 2008 14:08:01 +0000</pubDate>
		<dc:creator />
		
		<category><![CDATA[Mortgage Debt]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[consumer debt]]></category>

		<category><![CDATA[quality of life]]></category>

		<category><![CDATA[simplified lifestyle]]></category>

		<category><![CDATA[Economy]]></category>

		<category><![CDATA[Home sharing agency]]></category>

		<category><![CDATA[Room rental]]></category>

		<guid isPermaLink="false">http://www.theanti-millionaire.com/?p=31</guid>
		<description><![CDATA[Opening your home to someone who cannot afford the high cost of renting an apartment is one viable solution for struggling homeowners. There’s a great article in the New York Times today about the rise in homeowners taking in boarders to help make ends meet.
Many agencies offer home share matching for free. Check online or [...]]]></description>
			<content:encoded><![CDATA[<p>Opening your home to someone who cannot afford the high cost of renting an apartment is one viable solution for struggling homeowners. There’s a great article in the New York Times today about the rise in homeowners taking in boarders to help make ends meet.</p>
<p class="MsoNormal">Many agencies offer home share matching for free. Check online or contact local women’s shelters or houses of worship to find home sharing programs in your area. Potential boarders must go through background checks before being matched up with a homeowner. If you’re considering taking in a boarder home-share agencies offer a safe way to bring a potential stranger into your home.</p>
<p class="MsoNormal">To read this article paste this link into your browser:</p>
<p class="MsoNormal">http://www.nytimes.com/2008/07/16/us/16share.html?pagewanted</p>
<p class="MsoNormal">=1&amp;_r=1&amp;th&amp;emc=th</p>
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		<item>
		<title>The Sky is Not Falling</title>
		<link>http://www.theanti-millionaire.com/?p=30</link>
		<comments>http://www.theanti-millionaire.com/?p=30#comments</comments>
		<pubDate>Sat, 12 Jul 2008 18:24:19 +0000</pubDate>
		<dc:creator />
		
		<category><![CDATA[Mortgage Debt]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[Personal Growth]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[downsizing]]></category>

		<category><![CDATA[mid-life career change]]></category>

		<category><![CDATA[quality of life]]></category>

		<category><![CDATA[simplified lifestyle]]></category>

		<category><![CDATA[Economy]]></category>

		<category><![CDATA[Housing Bubble]]></category>

		<category><![CDATA[Housing Market]]></category>

		<category><![CDATA[Housing sales]]></category>

		<category><![CDATA[Mortgage finance]]></category>

		<guid isPermaLink="false">http://www.theanti-millionaire.com/?p=30</guid>
		<description><![CDATA[Yesterday, I heard from someone looking to buy a new home closer to his work. He shared some exciting news; his current home had sold in only a few weeks and would be closing by Labor Day.
This is great news. Why don&#8217;t we hear this from media? The fact is homes are selling, and some [...]]]></description>
			<content:encoded><![CDATA[<p>Yesterday, I heard from someone looking to buy a new home closer to his work. He shared some exciting news; his current home had sold in only a few weeks and would be closing by Labor Day.</p>
<p>This is great news. Why don&#8217;t we hear this from media? The fact is homes are selling, and some still sell very quickly. There is good news out there - even if we have to dig it up ourselves.</p>
<p>Our economy reflects our collective beliefs. It will change when we change. Look around you and find some good news of your own to celebrate. Do it now, and don&#8217;t be surprised if you soon begin to notice more, and more things that are going right, rather than wrong.</p>
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		<title>Who Creates Your Economy?</title>
		<link>http://www.theanti-millionaire.com/?p=28</link>
		<comments>http://www.theanti-millionaire.com/?p=28#comments</comments>
		<pubDate>Tue, 08 Jul 2008 01:46:43 +0000</pubDate>
		<dc:creator />
		
		<category><![CDATA[Credit card debt]]></category>

		<category><![CDATA[Mortgage Debt]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[consumer debt]]></category>

		<category><![CDATA[quality of life]]></category>

		<category><![CDATA[Economic Downturn]]></category>

		<category><![CDATA[Housing Bubble]]></category>

		<category><![CDATA[Mortgage Crisis]]></category>

		<guid isPermaLink="false">http://www.theanti-millionaire.com/?p=28</guid>
		<description><![CDATA[Do consumers create the economy, or does the news create the economy we experience? I’ve been thinking about this a lot lately. Why is it that when the economy is sizzling we feel positive and go out and buy what we need even if nothing has changed for us, and when the economy slows we [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal">Do consumers create the economy, or does the news create the economy we experience? I’ve been thinking about this a lot lately. Why is it that when the economy is sizzling we feel positive and go out and buy what we need even if nothing has changed for us, and when the economy slows we step back and allow fear to grip us?</p>
<p class="MsoNormal">A few years ago when the housing market was roaring and seemingly unstoppable there were some lone voices touting that it was only a matter of time before the “housing bubble” would burst. But, these voices were few in comparison to the din of positive ones, so buyers continued to buy and sellers continued to sell with ease.</p>
<p class="MsoNormal">The negative voices started drowning out the positive ones when banks began showing losses in the subprime market (loans to buyers with sub-par credit), which caused buyers to hesitate and stand on the sidelines. As buyers withdrew from the market prices dropped based on oversupply and decreasing demand. As values sank banks began reigning in many of the programs that had enabled a majority of home purchasers to buy, cutting another segment of buyers from the market and compounding the problem.</p>
<p class="MsoNormal">While this is an over-simplification of what happened, I believe the repetition of the message that the real estate market was in a melt-down reached a saturation point in the consciousness of consumers causing the market to come to a halt. When a vast number of buyers stopped buying – home prices tumbled – affirming the ‘bubble’ theory. So, if we consumers contributed to creating this stalled real estate market can we UN-create it?</p>
<p class="MsoNormal">In order to release the brakes on the economy, we have to realize that our buying habits affect the economy tremendously. The only way to begin to reverse this economic contraction is by first recognizing what’s working in our lives, no matter how small it may be. This doesn’t mean we don’t acknowledge the difficulties and challenges we or our fellow citizens may be facing, what it does mean is that we take whatever action is necessary, do what we need to do, and then we move on. We don&#8217;t allow ourselves to wallow in the negativity. Only when we begin to feel confident about the course of our own lives will the economy begin to perk-up.</p>
<p class="MsoNormal">Do you have business-clients to work with? Be grateful. Even if it’s being able to pay your bills this month – commend yourself. If you have the money to buy something you’ve been wanting – do it. Don’t allow the fear-based headlines to hypnotize you. Stop replaying the messages of lack and limitation and acknowledge what’s going right in your life instead. Do something you enjoy, even for an hour a day that distracts you from constantly dwelling on all this depressing news, and you’ll feel better and possibly even come up with a great new idea that will improve your life. Endless worrying will not solve any problems.</p>
<p class="MsoNormal">I’ve decided that I do create my own economy. My economy originates from within me. If I allow myself to be consumed by fear I’ll surely make wrong choices based on panic and probably end up creating the fearful circumstances I’m trying to avoid. I know for sure I’ll overlook opportunities. I believe that if I’m calm I’m more apt to come up with solutions. So, I’m choosing to focus on what’s working in my life rather than on what the headlines say. What’s the worst thing that can happen? I deal with my problems while remaining calm? You have to deal with them anyway.</p>
<p class="MsoNormal">I’d like to hear from readers who’ve overcome difficulties when they chose to focus on what was working rather than what wasn’t. We all need to be inspired. Share you story. <span> </span></p>
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