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Lunch Set Thermos
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 The Simpsons Bart Lunch Box Lunchbox Set With Thermos Good Condition Rare  US $10.99
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 1986 HASBRO ALADDIN TRANSFORMER LUNCH BOX WITH THERMOS PLASTIC VERY NICE SET US $19.95
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One of the things I first noticed as my husband and I moved from the financial cellar to financial stability and, eventually, wealth was how the conversations in our lives changed. I don't mean the conversations between us, but the conversations we had with friends, colleagues and total strangers. A new topic developed that we had never chatted about with our family. That topic was money.
When Brad and I were in debt and living in a 4 room mobile home, the subject of money never came up at parties, work get-togethers or family events. It was taboo to talk about legal tender unless you were discussing a decrease in income or how Uncle Sam managed to cut you out of more cash. However, as our financial situation became stronger and we started investing our savings account, a whole new world opened up to us. We noticed we were having more and more conversations about money with everyone that wasn't our family and friends. It was the weirdest thing.
One particular conversation stands out from the rest. I was in the break room at work finishing off a bagel and cup of coffee when a co-worker of mine popped in and sat down next to me. He was a gentleman of 52-years of age. After exchanging pleasantries he hit me with a bombshell. "I'm going to retire next month." I responded with a blank stare and a, "You're WHAT?" He repeated his reply and then he said he had noticed how I never ate lunch in the cafeteria and that I always brought my own coffee in a thermos to work. He asked me what my retirement plans were. I was 31 at the time.
I laughed and said that I figured it would take Brad and I another 30 years or so before we could retire. He then looked me straight in the eye and said, "You can do it faster than that, if you want to." He then outlined for me a 15 year plan that he and his wife had used to get them to a financially secure spot to leave the work force for good. I was stunned. No one had ever talked to me about money like that. What I came to realize was this, wealthy people talk about money, but the middle class and others do not unless it is the negative view of money.
What does this mean for you? Simply this. Start acting like the wealthy and initiate conversations about money with people who can help you. When was the last time you had a discussion about money with that "rich" Uncle of yours that didn't relate to a loan? Start asking people who have money advice on how to handle it and work with it. Don't get personal about their finances or ask for details, but talk to them about what their advice would be.
If you're like me, my family rarely had a savings account so the first time I had $5,000 in an account, I panicked because I knew I HAD to do something with it, but I had no idea WHAT to do with it. As far as I was concerned having a strategy for investing money was like shooting a rocket to the moon. I didn't know the first thing about it!
Initiate conversations with financial professionals, talk with wealthy family members, if no one in your family is wealthy then set up an appointment with the "wealthy" person in your town. The one everyone knows and ask them what their advice would be to someone who is just starting out. I did this very thing when I was 32. I called up a gentleman who was worth 25 million dollars and asked for a 30 minute appointment and I offered to pay him his consultant rate. He was charging $400 an hour.
The best way to obtain a wealthy mentality is to start forming strategies and goals for what to do with the money that you are saving. If you have no idea about what to do with money, like me, then chat with folks who obviously invest and discuss strategies with them.
Janine Bolon is a personal finance coach with zero professional training in money. Her occupation was analytical biochemistry! She learned the hard way how to become wealthy and now shares her life experiences through her company SmartCents, Inc. Janine is the author of over 4 books on how-to-live the debt-free lifestyle. You can follow her on Facebook (Curing Your Cash Crisis), Twitter (SmartCents), her blog (TheMoneyMuse) and sign up for her free newsletter on http://smartcentsinc.com.
Staying Fit While Maintaining a Busy Lifestyle
1. If possible, choose a gym that is between your home and place of work.
This will minimize the travel time required to get to the gym. Ideally, if the gym is near to your work place or near to your home, then this is even better because changes in travel route will not affect the proximity. On that note, carry a gym bag and stop at the gym before you go home. If you stop at home first, there will be numerous distractions which will make it much more difficult to get to the gym.
2. Focus primarily on compound exercises.
Compound exercises are those that train multiple muscle groups simultaneously, which makes them great time savers. Examples include squats, lunges, lat pulldowns, and bench presses. Also, the intensity of these types of exercises allows them to stimulate the metabolism more effectively than isolation type exercises do. It is no surprise that someone who uses primarily compound exercises is likely to get a good workout in a much shorter time than someone who uses primarily isolation exercises.
3. If possible, get a home gym.
This will make going to gym much easier, and will add a great deal of flexibility to your workout schedule. Not having to commute to the gym saves a great deal of time and allows you to workout at times that are otherwise unavailable. When buying a home gym, select equipment that will allow you to use the widest variety of exercises that your budget and space will allow. Examples include a Bowflex Home Gym, or free weights combined with a power rack and a bench.
4. Invest in an insulated lunch box and a thermos.
One of the most important principles of proper nutrition is to have healthy foods readily available when you are hungry. This is because if there is nothing healthy available when you are hungry, then you will either have to skip a meal or eat whatever junk is available. It is obviously much easier to find healthy foods when you keep them with you, and an insulated lunch box makes this task much easier. On that note, whenever you prepare a healthy meal, prepare extra so that you can pack the leftovers for lunch the next day. You can even make a protein drink and keep it in a thermos. Both of these simple techniques are great time savers when you are trying to eat properly.
5. Take advantage of healthy foods that require little or no preparation time.
Examples include cottage cheese with raisins, a protein shake with whole wheat bread, or even low fat yogurt with fruit. In addition, investing in a microwave oven can be very useful. Not only will it allow you to bake a potato or sweet potato relatively quickly, but it will also allow you to prepare old fashioned oatmeal in less than 4 minutes. The microwave is also great for steaming vegetables.
6. Turn off the TV or get a video recording devise.
The TV is one of the biggest time wasters in the average home. It makes it extremely easy for the hours in the day to go by without you realizing it. The truth is that there are countless people who watch many hours of TV per week, who would workout if only they could find the time. An important part of health and fitness is to give your health and fitness a higher priority than TV shows. If there is a program which you would like to watch that badly, then record it and watch it at a more opportune time.
Staying in shape when you are busy is an exercise in time management and it can also be an exercise in creativity. In addition, it is also an exercise in setting proper priorities. This is because a big part of finding time for health and fitness is making time for it. When it comes to finding time, changing priorities is at least as important as changing schedules.
About the Author
In addition to maintaining his career as a professional pilot, Roger has spent much time pursuing formal and self directed studies of the human physiology and metabolism. He is also qualified as a health nutritionist and a fitness trainer. He has written articles for www.spartafit.com.
Kilimanjaro calling: Journey to the roof of Africa offers lesson in humility
Sports Editor Chris Wristen spent June 6-12 climbing Mount Kilimanjaro in Tanzania. The following is an excerpt from his travel journal.
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