None of above, says Annelena Lobb, in "You Think Lilke A Million Bucks."

Kathleen Gurney, Ph.D., author of "Your Money Personality" and CEO of Financialpsychology.com. studied mindset of millionaires, and here's what they found:

1. Optimism.

2. Not critical of their own mistakes, so nothing can throw them for long.

3. They take action. They don't get locked in analysis-paralysis.

4. Instead of focusing on what's wrong or why something didn't work, they fast-forward to opportunity.

5. Master plan. i.e., Yale class of 1953 -- 3% had written down their financial goals for after college. When they convened in 1973, that 3% controlled more combined net worth than other 97% combined.

People are flocking to distance learning in increasing numbers as a way to grow personally and professionally. It is widely used in corporate and academic worlds. Setting up distance learning courses can be a way for you to help people, teach in your field of expertise, grow your practice, and generate an extra source of passive revenue. Half of my income comes from courses I teach.

Here are some things you need to know to get started:

1. Check out copyright laws. A basic summary: It's yours moment it is created and fixed in a tangible form so that it is perceptible either directly or with aid of a machine or device. Go here to read more: www.copyright.gov/circs/circ1.html. Attach copyright to your materials, and respect copyrights of others.

2. Synchronous means in real time, such as connecting with streaming audio or video or a chat room.

3. Asynchronous means your course is prepackaged and available to person at any time to be studied at their convenience.

4. My own version -- courses are pre-packaged, but I mail each lesson on Monday morning. It gives a sense of "school" and keeps students from becoming overwhelmed.

5. There are tremendous advantages to distance learning--flexibility for student, access to instructor, and a great savings in time and money. Learn with privacy and convenience of your own computer.

6. Learning advantages--you can focus on ideas and enrichment. You can reach diverse individuals and accommodate different learning styles. Once established, courses run themselves. It's a win-win situation.

7. Because of above, I recommend that you make courses interactive. The students reply and interact with yuo by email, which is under your control, but gives involvement that people like nowadays. I've found it easy enough to manage.

8. Disadvantages are mainly for those students who learn better in a real-time group situation.

9. Here are some resources for you to begin with:

a. "Learning with a Technology Profile Tool," www.ncrtec.org/capacity/profile/profwww.htm