Always remember,

* True prosperity is created from within. All prosperity is created in mind. You are only as wealthy, happy or as prosperous, as WHAT YOU FEEL... and what you make up your mind to be. And money is not everything. For me, health, family and happiness are far far more important considerations.

Aim high, dream high.

If you aim for tree tops, you might not get off ground... so why not aim for stars, perhaps even a million dollars.

Good luck

Craig Lock

Believe in yourself and in your dream,

Though impossible things may seem

Someday, somehow you'll get through

To goal you have in view.

Mountains fall and seas divide,

Before one who in his stride

Takes a hard road by day

Sweeping obstacles away

Believe in yourself and in your plan

Say not - I cannot - I can

The prizes of life we fail to win

Because we doubt power within.

- anon

If you can believe it, you can achieve it. If you can visualize it, you can realize it!

Reach high, for stars lie hidden in your soul. Dream deep, for every dream precedes goal. ....Pamela Vaull Starr

P.S: After that long read, take a breather...

About author

Craig Lock has been involved in personal finance field for over twenty years in South Africa and New Zealand. He is now an author of five published books with another twelve being published and marketed on Internet. Craig has written extensively on money matters: articles, brochures for financial institutions and books. He is presently living in beautiful slow New Zealand waiting for next adventure life has in store for him.

For valuable money information to help you make and save your hard-earned money Get out of debt **

-Learn how to invest -Retire early -Take control of your finances

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

Money Management Course (online): http://www.nzenterprise.com/writer/online.html

The various books* that I "felt inspired to write" are available at: http://www.nzenterprise.com/writer/books.html http://www.novelty-gift.com/ebooks.html and http://www.bridgeniche.com/CLOCK/zaniestbooks.htm * Hard copies and e-books: Fiction and non-fiction, novels , travel, humour, inspiration, self help and money books *

THIS ARTICLE MAY BE FREELY PUBLISHED "If you have knowledge, let others light a candle to it." - Margaret Fuller

P.S: DON'T WORRY ABOUT THE WORLD ENDING TODAY, IT'S ALREADY TOMORROW IN "LITTLE, SCENIC AND TRANQUIL" NEW ZEALAND

About the author

Craig Lock has been involved in the personal finance field for over twenty years in South Africa and New Zealand. He is now an author of five published books with another twelve being published and marketed on the Internet. Craig has written extensively on money matters: articles, brochures for financial institutions and books. He is presently living in beautiful slow New Zealand waiting for the next adventure life has in store for him.

The March 10 year T-notes have been in a strong uptrend for past two years, having benefitted from weakened U.S. economy. First, crash of technology sector along with declining corporate profits pushed investors into Treasuries. Then, events of September 11th dealt a serious blow to economic outlook, giving T-note prices another boost. Now however, after eleven interest rate cuts, investors are starting to anticipate a recovery and Fed is not likely to be concerned if a little inflation shows up. The Fed's current mission is to get this economy rolling again and that is not a good scenario for T-notes. Technically, a close in March T-notes below 103.50 would be significantly bearish.

In big picture, higher metals prices, a weaker U.S. dollar, and falling Treasury note prices could be start of higher commodity prices in general. 1986, 1992, 1998, and 2001 were all terrible years for commodity prices. The following years, however, proved to be highly profitable. Will 2002 be same? As always, there are no guarantees. Have a Happy New Year!

Dailyfutures.com. January 1, 2002.