7)Build sound fundamentals into your business – grizzled marketing veterans like your author experienced post PC downturn in mid 80's. I don't think we are going to see such a radical meltdown in our new economy, but look at declining valuations via stock markets, slowing PC penetration, and Internet access signups. Yes, it's still a solid global economy with plenty of niche marketing opportunities for growth, but "digital high tide" is starting to recede. So, don't count on mega million advertising revenue as your "path to profitability" VC buzz word du jour, develop fundamental profit centers in your business.

8)There are lots of free marketing resources out there, but be wary of proliferation of snake oil salesmen (sorry John D) – there is a new industry springing up of people who are hyping free or low cost ways to instant riches. Here's how I set my hype filter – if it sounds to good to be true, then it is, so click your browser and move on.

9)Build a web site that's popular, one that's linked and listed by many others sites. This helps you get high listings via Google, HotBot and other top tier search engines. Here is a free resource that helps you setup and participate in a LinkPopularity program – it can be set up in a couple of minutes via Fantomaster.com web site.

10)Recruit and hire with an eye to variances in market. Meaning, don't hire until you absolutely have to and use outsourced companies for jobs, which are not part of your company's core attributes. This saves money in long run and lets you quickly scale up your business when and as you need to, in turn minimizing your fixed human resources and/or payroll costs.

Starting in column 1, write down all your long-term objectives. Write them in detail. So, you wouldn't put 'move to a bigger house', you would put, 'I now live in a five-bedroom, four-bathroom house set in 10 acres of woodland, with a detached double garage, an indoor swimming pool and my own gymnasium.'

Make it as real as possible, and make it present tense.

Do same for every aspect of your life or business you want to change in long term.

Then move on to one-year column. Do same thing, but this time, try to make sure that your one-year goals don't conflict with your 5-year plan.

So, to continue above example, you wouldn't have a ten-bedroom house in 25 acres in one-year plan. But you might have a four-bedroom house in smart part of town.

The one-month goals should be things that you need to achieve in short to medium term in order to make longer term things happen. They might include concrete business objectives or self-improvement plans.

The weekly goals are all things that you are going to do in coming week to make monthly goals a reality.

Be aware as you write all these things down that this is not a vague wish list. It is a contract with yourself. Each week, when you rewrite whole thing out again (this is a really important part of it), sign and date bottom of page.

What does all this goal-setting do for you? It give you:

Focus -----

Real millionaires, and millionaires-in-waiting have ability to focus on achieving their goals to exclusion of all else.

They simply do not allow themselves to become distracted.

Regular folk are like butterflies. They skip from one good idea to another, attracted by next big promise or clever sales line. Then they complain that none of schemes they try ever work.

It isn't scheme, it is schemer. People who reach top in any endeavor do so by staying focused on their prime objective.

Estee Lauder said, "First comes shy wish. Then you must have heart to have dream. Then, you work. And work."

And Dale Carnegie, who knew a thing or two, said, "Condition yourself to determine clearly in your mind goal that you want to achieve, and then, without letting yourself get sidetracked, head straight for your ideal."

Self Belief -----------

Nobody ever got rich by thinking that they couldn't. Absolute self-confidence is a vital part of real millionaire mentality.

Everyone has nagging doubts whole time, it is part of being human. True achievers know how to conquer negative thoughts and smother them with ever more positive ones.

Ray Kroc, founder of McDonald's, had a great technique. Whenever he had negative thoughts, he would imagine himself writing them out in detail on a blackboard. Then he would visualize an imaginary hand wiping board clean.

He was reprogramming his sub-conscious to concentrate on positive things and not focus on negatives.

As Walt Disney said, "If you can dream it, you can do it." That applies just as much to bad things you can dream as good. So why make bad things come true?

So, you may ask, am I a millionaire? I believe I have millionaire's mentality. As for getting cash, no problem. It is on my list.