7. Savvy investors (usually save between 15-20% of their income yearly), they know that most income comes from most risk.

8. They do what they love and find a way to make money at it.

9. They surround themselves with people who believe in them and support their goals.

"The general population," says Brian Koslow, author of "365 Ways to Become A Millionaire," "will even be in primary relationships with people who don't believe in them, which is very sad--like having a lead weight attached to your ankle."

10. Self-assurance in their money-making skills and love of doing it.

"The 'Money Masters,'" says Gurney, as she calls them, "said that if they lost all their money for some reason, they wouldn't be very anxious, because they would just do it over again."

c. Design and learn to teach online at Harvard: http://learnweb.harvard.edu/alps/home/index.cfm

d. Learn with other DL teachers: http://www.att.com/learningnetwork eachers Where education and technology merge.

e. "New Teacher Online Survival Course" -- http://www.teachersnetwork.org (includes new teacher online hotline)

f. Online resources for distance learning teachers: http://scout.cs.wisc.edu/index.html

g. Try www.cnet.com for online collaboration and technical questions

h. Here's a "graphic organizer"--http://www.graphic.org

10. What courses to teach? Check out sources like www.blackboard.com and see what courses they offer. Also check on www.teleclasses.com for titles.

11. How to set up your courses? I use a dedicated website and give students URL each week. I have also used http://www.blackboard.com. There are others. Check on sites listed above for more ideas, and also on a search engine.

12. Additional help--once you're a success, you'll need a Virtual Assistant to manage logistics. I recommend Sunny and you can contact her at vasunny@sbcglobal.net . She manages my online courses for me.

13. Create a certificate for your students at end of their course. Sunny can do this for you. Be sure and include your name, website, and phone number on certificate so others can find you!

14. Get a distance learning coach. I personally coach people who are entering this field.

15. I especially recommend coaching to establish tone and level of your courses. Writing for internet is very different. Remember you have a student sitting in front of a computer, usually alone. How will you motivate? How will you involve?

17. I recommend that reading of lesson and homework/fieldwork take no longer than one hour a week. Today's adult learners are very busy.

18. Teaching gives a wonderful sense of satisfaction. A serendipity is that it's true--until you've taught something, you don't really know it. You'll take a quantum leap in your own understanding of subjects that you teach.

15. Now you're a teacher. Get yourself a free mouspead: http://www.elftours.com/public/partners/pbs eacher.asp