Aim high, dream high.

If you aim for tree tops, you might not get off ground...

so why not aim for stars.

Good luck

Craig Lock*

* Craig Lock has been involved in personal finance field for too many years. Craig has studied and written extensively on money matters: articles, brochures for financial institutions and books. He is now an author of five published books... with another twelve being published and marketed on Internet.

For valuable money information to help you make and save your hard-earned money, get out of debt, learn how to invest, retire early, and take control of your finances, see:

The Million Dollar Money Tree http://www.nzenterprise.com/money/

THE EVERYPERSON'S GUIDE TO SIMPLE MONEY MANAGEMENT Brochure available for $5 e-mail clock@xtra.co.nz

If you have knowledge, let others light their candle at it" - Margaret Fuller

Best Wishes from First City to see Sun in "Godzone" ("little" New Zealand)

Craig Lock

Reason Seven: Lack of desire as a result of a poor attitude to acquiring wealth. Bad mental attitude has caused more personal problems than any thing else. What we expect to happen usually does. Successful people are optimists while unsuccessful people have a pessimistic attitude . Block out negative thoughts and stereotypes and mix with successful, positive people.

Reason Eight: Inadequate protection against unforeseen events. It may be loss of a home due to natural disaster or death or disablement of bread winner. Adequate protection (insurance) against these events is vital to financial success. Not being properly covered has financially wiped out many potentially successful people.

Reason Nine: Lack of discipline. Most people find it difficult to save because they save - buy -save -buy, while others simply buy. It is easier to say yes than no. Those who lack discipline to say "no" will find financial success an impossible achievement. The "must have it now" mentality - buy now what your can't afford by charging it up in hope that you can pay for it later. Most people are easily led by advertising and easy availability of credit.

Reason Ten: Procrastination (big word, hey!). Many people put off a savings programme until it is too late. Young people have a wonderful opportunity and advantage because they have time on their side. The reasons people give for not starting a savings programme are varied and many are genuine. They also vary according to age. In their twenties they are just getting started in life with a first job and want to enjoy themselves by spending on cars, stereos etc. In their thirties they have a young family and a mortgage to support and no money. In there forties they say things are tough with kids to put through university and unexpected medical expenses................. and in their fifties it is already too late with no time left to accumulate capital through magic of compound interest.

A CONVENIENT TIME NEVER COMES.

IT IS ALREADY LATER THAN YOU THINK.

Hope this information has been helpful to you.