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In my Rich Habits Study, I interviewed 233 wealthy individuals (177 of whom were self-made millionaires) with at least $160,000 in annual gross income and $3.2 million in net assets.

When most people think about self-made millionaires, they imagine some entrepreneur working around the clock, passionately toiling away in the pursuit of greatness.

Yet, 39% of the self-made millionaires in my study became rich working for someone else. Those self-made millionaires who made their millions as employees did one or more of the following. They …

… put in the hours. The people I studied worked an average of 51 hours a week. Forty-four percent began their workday three hours earlier than other employees within their company.

… developed a niche within their company. There were typically niches others avoided because they involved more work, had obstacles, or required an enormous investment in time for the learning curve.

… forged strong relationships with decision-makers. They built strong relationships with senior executives within the company and with senior executives in other companies within their industry (i.e., trade groups, charitable groups, nonprofits). They volunteered at the same charity or nonprofit as senior executives in their company.

… took on additional responsibility. They sought out projects that enabled them to learn new skills or develop existing skills. They took on projects that enabled them to work with other senior people within their organization, showcasing their skills, knowledge, and work ethic to others within the company whom they did not work with day-to-day.

… developed patience and persistence. Many employees who are denied the promotion they believe they deserve leave their company. The rich employees in my study stuck it out and eventually were rewarded with the promotion they desired.

… controlled their emotions. They made a habit of being upbeat and optimistic and made a habit of never losing their temper. This put others they worked with at ease. Because people liked working with them, they were the first ones to receive the promotions.

… shared good gossip. Most gossip is negative. Good gossip is when you make a habit of saying only positive, nice things about others within the organization when they are not around. Good and bad gossip always has a way of finding an audience. Self-made millionaire employees developed a reputation of saying nice things about others. As a result, they were well-liked and trusted by others.

Not everyone gets rich running a business. There are many paths to wealth, and one of those paths is being an indispensable employee.

Thomas Corley  (The writer of this article published on Businessinsider.com) is the author of “Rich Habits: The Daily Success Habits of Wealthy Individuals,” and “Rich Kids: How To Raise Our Kids To Be Happy And Successful In Life.”

When you negotiate a job offer, you’re not just haggling over the number on your paycheck. The benefits and perks that come with your salary can make a big difference in terms of how much money you keep in your bank account each month.

That said, a lot of the big-ticket items that go into making up your compensation are non-negotiable: you’ll likely choose your health insurance plan, for example, from among a few options that are pre-determined by your employer. No amount of haggling will get you a plan that offers lower copays or zero deductibles, because the employer has already made their decision about what to offer employees on that front. The same goes for dental, vision, 401(k) match, and other employee benefits. For the most part, what you see is what you get.

But that doesn’t mean that every cash-saving, earnings-boosting perk is set in stone. There are several employee perks that might be on the table, and could boost your bottom line.

1. More Stock Options or a Higher Bonus

When cash budgets are closed, hiring managers sometimes still have a little wiggle room to raise your compensation in other ways. Two possibilities: more stock options or a better bonus.

These are an easier sell than higher salary because neither raises your base pay, which means that your future raises won’t be higher as a result. They’re also slightly risky for you, the prospective employee, because they depend on things outside your control, like the market when your company goes public/sells in the case of stock or the company’s financial success during the year in the case of a bonus.

Still, if you can’t get the hiring manager to boost your salary, one of these options might make you money down the line. It’s worth a try, especially if you don’t trade salary to get them.

2. Extra Vacation Time

A recent study from Harris Group found that younger workers prefer to spend their money on experiences, rather than things. That’s all well and good, but if you only get a few paid days off per year, you won’t have time to get those experiences.

The best part is, increased vacation time is an easy sell. I can tell you anecdotally that I know several people who’ve negotiated for more time off, especially when they asked for more money first and came up against the upper limit of a hiring manager’s budget.

3. A Flexible Schedule

Does it feel like every time you leave the house, $20 claws its way out of your wallet and flaps off over the horizon, never to be seen again? Commuting is expensive, and not just because you have to pay for gas or bus fare. All the tiny expenses that you incur when you go from your house to the office — dry cleaning, coffee, lunch — add up over time.

We’ve all read advice urging would-be savers to cut out the fancy coffee and save hundreds of dollars a year. If you can convince your future boss to let you work at home a day or two a week, you can keep your fancy coffee, make it yourself, and drink it in your pajamas while you work.

Flextime is another perk that’s a low-stress ask, because like added vacation time, it costs the employer nothing to let you have it. However, it saves you money and might improve your quality of life as well.

4. Educational Benefits

The big educational benefits are non-negotiable, for the most part — you’re not going to convince most employers to pay for your MBA, unless they already have a tuition reimbursement program. But degrees aren’t the only educational benefits that can help you build your career.

Online learning programs like Lynda and Team Treehouse offer a chance to brush up on your technical skills without making time to get to class. Many companies have corporate accounts to programs like these to help their employees stay up-to-date. It’s worth asking if your prospective employer already subscribes — or would consider doing so.

5. An Earlier Review

Compared to some of the other perks on this list, an earlier review sounds downright boring. But don’t dismiss it out of hand. If you can negotiate to have your first review in six months instead of a year, for example, you might accelerate your first raise and/or bonus. Also, you’ll find out if your assessment of your goals and achievements matches your manager’s.

That’s important to know, when you’re deciding whether you want to stay with your new employer for the foreseeable future — or continue evaluating opportunities elsewhere.

This article is originally from Thebalance.com.

Divorce is a harsh but thorough teacher. At the same time, divorce has brought me happiness in ways I didn’t expect. In many ways, divorce raised me and turned me from girl to woman. I can’t lie and say it has been easy for myself or my child, but I can say that there have been many positives and lessons I have gathered along the way. Especially about love.

Here are a few truths I’ve gathered about love after divorce, and none of them have made me doubt love exists. I believe love exists. I believe love is out there for everyone, if we are open to it. If we want it and cherish it.

1. Truth: Opposites Attract . . . For a While. Usually.

It is good to be different from your partner, and you don’t need to be his or her twin. But if the two of you are opposite in every way, in order to succeed in love, you at least need to share common values and goals.

For example: You are an introvert and he is an extrovert. She likes art and you prefer to play in the woods and mud. Is this a match made in hell? NO! Of course not. This relationship will work if:

  • They both share common goals in career and life.
  • They both approach the world with a similar viewpoint.
  • They both need a certain amount of interaction from the other — and it works for them.

You don’t have to be the same, and in fact you can be very different, but at the end of the day, you both should view the world and your relationship needs in a similar fashion.

So don’t worry if he’s quiet and you’re a bullhorn. Worry if you don’t share common visions of how you envision your worlds to be as you grow old.

2. Attraction Is Great, but It’s a Small Piece of the Pie

Yes, please. Be attracted to the person you partner with, but realize that it is such a small piece of the pie. Remember that hormones and chemistry can power a world . . . for a while, but be sure that the person you choose to love has a heart as beautiful as the face you are consumed with. Anyone can “clean up” nicely, but not everyone is good to his or her core.

3. In Order to Commit Long-Term, You Must Be Able to Envision the Future

Things are great today; awesome! Have you sat to think about what your future looks like with this person five, 10, 20, or 30 years down the line? Will the things that bother you today become bigger issues as your lives intertwine?

Pay attention to what you think are small red flags now as they could become mountainous flags down the line.

4. To Really Love, You Must Accept This Person Fully

You know this already. But do you really? Do you really accept this person’s difficult family, anxiety, traveling career, desire to be kidless, etc.?

Do you really and truly love the person in front of you despite this person’s limitations? Are you constantly hoping to change that person? Do you think this person is perfect, BUT . . . No, no, and no.

Love means accepting the good, bad, and ugly and understanding that those “ugly” things are, most likely, going nowhere, but still, you love the person.

5. Real Love Is Void of Any Abuse

Sure, he’s really nice most of the time, but sometimes he’s just not. Or sure, she’s an angel and other times, she’s shutting you out or playing games with your heart. No. I’m sorry, but that’s not love. Love doesn’t work that way. Ever. I promise you that while love is not perfect, it is never punitive.

6. If You Two Cannot Stand Alone, You Will Fall Apart Together

It takes two solid people to make a relationship work. The two of you must be able to stand alone as two solid individuals before you can really succeed together.

7. Love Cannot Conquer All

Does she have serious issues? Is he using drugs? Does her family hate you, and she’s incredibly tied to them?

There are some things love cannot conquer because the person has to conquer those beasts on his or her own. You, of course, can be a friend and support to this person, but love cannot happen until this person has resolved these issues OR . . . you’ve decided to do what I said in my fourth point.

8. You Are Never Listening as Much as You Say You Are

We all say, “Yes, I’m listening,” but are we really? So many of us, me included, listen with a soundtrack in our brain. While “listening,” we are:

  • Missing pieces of information because our emotions are in the way.
  • Desperately seeking validation in the other’s words.
  • Getting defensive and preparing our rebuttal.
  • Putting our desires through a filter as we listen.

It is really hard to actively listen. It’s something I have been working on myself. And in order to really let love grow, you must practice listening. Use a timer and don’t speak until the person’s time is up. Write down the person’s words and ask if that’s what he or she said. Remind yourself that this person’s agenda and feelings are different than your own.

9. Your Partner Will Accept You If He or She Really Loves You

If your partner has made you his or her project, keep in mind No. 4. My spouse didn’t accept all of me, and I am sure I didn’t all of him. If your partner doesn’t accept you for all your nuances, please know this person doesn’t truly love you. Acceptance doesn’t mean “liking” the bad traits but accepting and loving you despite them.

 

This article is from Popsugar.

The US and South Korea have now conducted a joint military exercise to respond to North Korea’s launch, firing their own missile into the South’s territorial waters.

North Korea announced on Tuesday that it had tested its first intercontinental ballistic missile — potentially its most powerful weapon yet, and one possibly capable of reaching the United States.

The announcement came hours after US and South Korean defense officials said North Korea had launched a missile from the country’s North Phyongan province that reached an altitude of 2,500 kilometers (1,500 miles) and was tracked for 37 minutes before it fell in the Sea of Japan.

“Respected Supreme Leader Kim Jong Un signed the order to carry out the test-fire of inter-continental ballistic rocket Hwasong-14 on July 3,” a statement from the Korean Central News Agency said.

US Secretary of State Rex Tillerson confirmed North Korea’s launch of the intercontinental ballistic missile in a statement Tuesday evening, saying the US “strongly condemns” the test and calling on other nations to follow suit.

He called the missile a “new escalation of the threat to the United States, our allies and partners, the region, and the world.”

“Global action is required to stop a global threat,” Tillerson wrote. “Any country that hosts North Korean guest workers, provides any economic or military benefits, or fails to fully implement UN Security Council resolutions is aiding and abetting a dangerous regime.”

The US Army, alongside the South Korean military, initiated a counter-response in the region on Wednesday local time, the Army said in a statement.

The exercise involved firing a South Korean-developed Hyunmoo missile into the South’s territorial waters, “countering North Korea’s destabilizing and unlawful actions.”

“The [Republic of Korea]-US Alliance remains committed to peace and prosperity on the Korean Peninsula and throughout the Asia-Pacific,” the Army said.

An announcement on North Korea state TV was reported to claim that North Korea was now “a fully-fledged nuclear power,” and that its missile was “capable of hitting any part of the world.”

The announcer also claimed the country’s missile had reached a height of 2,802 kilometers (1,731 miles) and flew 933 kilometers for 39 minutes.

Check out the full story on Buzzfeed.com.

 

Stars Daniel Dae Kim and Grace Park have departed CBS’ “Hawaii Five-0.” Their characters, Chin Ho Kelly and Kono Kalakaua, will not appear in the upcoming eighth season. The characters’ absence will be referenced in the season premiere.

Sources tell Variety that Park and Kim had been seeking pay equality with stars Alex O’Loughlin and Scott Caan, but were unable to reach satisfactory deals with CBS Television Studios, which produces the series. CBS’s final offer to Kim and Park was believed to have been 10-15% lower than what O’Loughlin and Caan make in salary. O’Laughlin and Caan each have deals that also provide them percentage points on the show’s back end.

“I will never forget meeting Daniel while still writing the pilot and being certain there was no other actor who I’d want to play Chin Ho Kelly,” said executive producer Peter Lenkov. “Needless to say, Daniel has been an instrumental part of the success of ‘Hawaii Five-0’ over the past 7 seasons and it has personally been a privilege to know him. Grace’s presence gave ‘Hawaii Five-0’ a beauty and serenity to each episode. She was the consummate collaborator, helping build her character from day 1. They will always be ohana to us, we will miss them and we wish them both all the best.”

For more details about the story visit variety.com.

Forget doing another set of crunches at the gym. Sip on this deliciously sweet smoothie packed with ingredients that fight belly fat and reduce bloating — all for under 300 calories.The Greek yogurt in the recipe provides a good amount of calcium and protein, both of which can aid in weight loss. The smoothie also contains several ingredients — like blueberries — that have been shown to help diminish belly fat. If that’s not enough, you also get the sweetness of pineapple, which contains an enzyme that helps ease digestion and banish bloat. You won’t be able to taste the kale, which is full of fiber to prevent constipation, and there’s calorie-free water to help clean you out.

Click HERE for the magic recipe.

 

After nabbing smaller parts in movies like the Fast & Furious franchise and Triple 9, Gal Gadot is taking over Hollywood thanks to her starring role as Wonder Woman, and its box office dominance. Since we’ll be seeing plenty of the 32-year-old while she plays the titular hero in three blockbusters over the next few years, there’s no better time to bulk up on your knowledge of the charming Israeli actress.

Read all about the oh so amazing Gal Gadot on Poposugar.com.

Have you ever wondered how much money you’ve earned over the years?  I mean, it’s gotta be a sizeable sum if you’ve been in the workforce for a while. I was thinking about this and then came up with a natural follow up question. Is our net worth more than what we’ve earned? After all, wealth is what you kept, not what you earned. We are doing quite well on the net worth front so I thought our answer would be yes. You might think you’ve got this one as well, but hold on…

This question is simple and the answer is relatively easy to figure out. However, you probably will be disappointed with the answer. It is extremely difficult to be worth more than you’ve earned, especially when you’re younger. It gets a little easier as you get older, but this is still impossible for most regular people. I’m sure only very few households can achieve this impressive feat. That’s because saving isn’t enough. You need a lot of time, too.

Read the full story on Retireby40.org.