1. Millionaires think long-term, while the middle class short-term.
2. Millionaires ask themselves empowering questions while the middle class - disempowering
3. Millionaires learn and grow, while the middle class - not so much.
4. Millionaires take risks, while the middle class avoids risk.

How has Smith managed to become a millionaire, if he grew up - as he said - “on the lower end of the middle class” ? According to his words, his father never earned more than $25,000 a year. And he didn’t even fished a college. He said: “I'm on the list of millionaires that just did it in the real world and didn't go to school.” He left college after just two weeks, saying the school is not for him. On the other hand he said: “School is phenomenal for some people. Some people absolutely need to go to school as part of their purpose. But some people don't need to go to school.” Usually people go to school to get a good job then, high earnings and a high social status, together with the social security. But for this, Smith responds: “that formula doesn't work anymore”.

Smith became financially independent running a net of furniture stores in his hometown (Ormond Beach, Fla.) Now being millionaire, he says: “When you go through failures like I have and like other millionaires have, you learn something on an emotional level that you cannot learn when you go to college. When you get intellectual knowledge from a book or a lecture, it's not the same as investing money in something and then seeing all that money disappear. When you learn something on an emotional level, that is what really starts making you stronger.”

Thanks to speaking with millionaires at the early age, and then trying to run his own business and learning from own failures he became independent, successful entrepreneur, who continues to seek opportunities in networking and real estate. Now, he’s teaching principles of financial success to individuals and companies.

But before he began to share these goods, he’s goal was to be a golf pro. He had even an apprentice position at the LPGA International in Daytona Beach, going to pursue golf as a career. He was earning $20,000 a year. And though it was not a proper way for him to chase millions, he consider it to be a turning point in his life. Why? Because he was honest with himself, sat down, thought, and then asked, when he can start making good money? And the answer he got was: “at least five or six years before you can move up." He understood that waiting 5-6 years, making $20,000 a year and waiting for better times to come, is not the good way for him to make money. Smith dropped golf pro career for more risky way of own education and searching the way to be successful. But it wasn't education in the school system. It was own search and the school of life, which gave him experience as an entrepreneur and experience of taking risks, having successes and failures, too. And surprisingly he points at failures, as those, which he learned the most from. Though it’s always tough, to go through them. However, once it happens, the new knowledge can be applied on the next enterprise.

And this is, what lifted him out of the middle class, as he says. But before this all happened, he was banging his head against the inside of an elevator. He was working 11 hours as golf pro assistant that day, and after this, going straight to work in night at a high-dollar restaurant - from 7 until midnight. That time he said: "God, there's got to be an easier way to make money than this." Soon after he dropped those jobs, and started working for another person. He was on his way to learn how to earn profits. Now he sums up: “From the age of 15 to 25, I worked for wages. At 25, I started working for profits, and at 33, I became a millionaire for the first time.”

That time Smith started thinking like a rich man. What a difference makes thinking, will you ask? Here’s how Smith differentiate the poor, middle-class people and the rich:

1. The very poor and the poor just want to survive.
2. The middle-class people just want to have enough - to be comfortable. Their primary goal is comfort.
3. The rich and the very rich are going to do whatever it takes to experience freedom. Their primary goal is freedom.

That's the biggest difference. It's necessary to have a plan for survival, just like it's OK to have a plan for comfort. But if you want to achieve financial independence, you have to focus the most of your mental energy on freedom. There’s an old saying: "Seek and you will find." Now, if you seek to survive, you will. If you seek to be comfortable, you will be. And if you seek freedom, you will find it. It just takes longer to create freedom in your life. Financial freedom is like an oak tree, where survival or comfort is like growing a weed.

How to find financial freedom, then? Keith Cameron Smith, in his book, didn’t indicate a particular receipt ready to apply for everyone. Furthermore, he tried to avoid specific areas like real estate or stocks or small businesses. He aimed to stimulate you to pursue your own passion to create wealth. The point here is, what would you like to do every day, what’d you love to do to wake up and make money every morning? And why is it so important? One of the biggest things Smith learned talking to all these millionaires was, that they really enjoyed whatever they were doing. So the book in fact is a great journey into discovering own passions, predisposition and teaching the art of motivation. It’s also about, what you should expect from money.

While getting the financial independence, it’s very important to keep your priorities in order. It’s OK to seek for freedom, but it’s not OK to put money as the highest priority in life. It’s OK to love people and to use things, but it’s not OK to use people and love things. “That is definitely the wrong formula” – says Smith – “God, family and finances are my priorities. I never wanted to be somebody that went after financial freedom and lost my health or lost my family. I refuse to go down that path.” Keep your priorities in order and focus on financial freedom.

During hi interview, carried out by Bankrate, Smith confided, he never gave his money to a professional to handle it. He manages it by himself, because “while some of those guys are great, a lot of those guys just put on a front; they're making $50,000 a year and they're trying to tell someone who is making a million dollars a year how to invest their money and they really don't know, they're just doing what they've been told to do.” So if you're going to use one, make sure you find the one who is doing very well financially themselves.

After all, Keith Cameron Smith claims he’s still a young entrepreneur, he’s still learning and keeping eyes open for new opportunities. He’s constantly polishing his portfolio, acknowledging new principles, trying to see opportunities and to make some better decisions.

“It's not just about the money, it's about the learning process” - he says about his future.

ID theft became a civil common nightmare of Americans. Delinquents have even aimed at children and dead people, beside of everyday people as well as celebrities. That’s one of the fastest growing crimes in America.
It occurs, that a criminal can be “successful” having as little as your name and SSN (Social Security Number). After this you find yourself receiving statements form collection agencies, that you owe thousands of dollars for cellular phone charges, even if you never had owned a cellular phone. To do this criminal might use just your name and SSN, providing an incorrect birth date. OK. What now? How can you fill a police report if you don’t have any proof of crime? Yeah, the police here about it time and again, but they say, they alone can not cope here. Your credit history is ruined, you owe money you have not spent, and you don’t have a proof for this crime.

The loudly publicized case says about fraudulence of over $50,000. Identity thief used Michelle Brown’s name and SSN to buy a car, open lines of credit, set up a phone, get a driver's license, and even get liposuction. Countless hours are still not enough to have repaired her credit history. What more, she was about to be arrested for drug smuggling, she found later ...

Security experts sums up, the SSN is the key. Once a criminal have it, all he/she needs more is just driver's license number or a name. Every other way to fraud money under someone’s name is risky. Now, how is it possible, that criminals get your SSN, and that it’s so easy for them to use it.

The problem with SNN seems to come from misuse of it. The SSNs were first issued in 1936. U.S. Representative Ron Lewis says: "Social Security number cards by themselves were never intended to be personal identity documents because they cannot confirm that a person presenting a card is actually the person whose name appears on the card. The use of these cards as a tool for personal identification and work authorization has significantly expanded in recent years."

But nowadays it turns to be used in at all different way. It is used for employee files, credit and banking accounts, student identification cards, medical records, health insurance accounts, and much more. Many people enter their SSN on business or retail forms. For institutions or companies, using SNN might be comfortable. But where does it lead? For citizens it means that the SSN is easily accessible many people and organizations, and so to criminals too. And in the same time It’s easy for criminals to fraudulently use this SSN to misrepresent your identity and gain access to your financial accounts or any other personal information, which can lead to next fraudulence. This way the thief can open new lines of credit, buy expensive merchandise, apply for jobs in your name, and steal money from your bank accounts before you realize it.
Advice. Protect Your SSN:

• Educate yourself about when SSN is required, and learn to opt out when it is not. Providing the SSN is required for transactions involving taxes, when banks, employers and brokerages have a lawful need for your SSN. Also government agencies, such as motor vehicle departments, tax departments and welfare departments, can legally demand your SSN. Apart from that, most businesses and retailers have no legal right to demand your number. When private business or a government agency ask for your SNN, you don’t have to provide it. In fact, in many cases people don’t have to give SNN, though they mistakenly believe, they must.

• Keep your personal data private. ID thieves often misrepresent as service providers, bank agents or government agents to collect numbers and personal data. If you did not initiate this contact, or if you’re not sure whether you can trust people asking for your data, don’t answer phone calls, mails, or Web sites, or at least don’t provide any data. Especially, if you get a mail with preaproved credit card application. From now on, anyone asking for your personal data this way, or particularly for your SNN, should seem suspicious. Better ask, than to trust.

• Always Ask QuestionsIf someone requests your SNN, first and foremost find out why they need it, and how will they protect it. Here are some questions you can give in such situation:

1. Why my number is needed?
2. What law requires me to give my number?
3. What happens if I refuse?
4. How my number will be used and protected?

And finally don’t be afraid to say no. Ask if you can give out another mean of identification. And it is not so strange question, as might seem: many companies have substitutional procedures for customers who do not want to provide their number. If they reject your demand or particularly if they say you’re odd with this question, then the whole business turns out to be suspicious and you can simply choose another provider of that service.

• Find out if Your SSN or Credit Card Numbers are stolen. Check if your data have been compromised. Search on StolenID should be quick and secure.

• Freeze Your Credit. If you find your personal data being compromised, you’re legally allowed to set a "Fraud Alert" at the three major credit bureaus, for free. Beside if your situtaion is serious, especially if you’re already suffering from some criminal action taken under your name, set a "Credit Freeze" on your credit report. This will block any actions at your account. Either the thieves have your SNN or not, they’ll be no more able to rake credit under your name, and furthermore they might be detected while processing fraudulent attempts.