<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>Mark Millhone</title>
	<atom:link href="http://www.markmillhone.com/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.markmillhone.com</link>
	<description>Screenwriter, Director, Columnist, Author</description>
	<lastBuildDate>Wed, 21 Sep 2011 14:51:45 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.2.1</generator>
		<item>
		<title>My Marriage, The Autopsy</title>
		<link>http://www.markmillhone.com/2011/09/17/my-marriage-the-autopsy/</link>
		<comments>http://www.markmillhone.com/2011/09/17/my-marriage-the-autopsy/#comments</comments>
		<pubDate>Sat, 17 Sep 2011 16:07:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Articles]]></category>

		<guid isPermaLink="false">http://www.markmillhone.com/?p=384</guid>
		<description><![CDATA[Love Letter to my favorite mistake.  ]]></description>
			<content:encoded><![CDATA[<p>&nbsp;</p>
<p><img class="size-medium wp-image-234 alignleft" title="AutopsyImage" src="http://www.markmillhone.com/wp-content/uploads/2011/09/AutopsyImage-261x300.jpg" alt="" width="261" height="300" /></p>
<p>I can understand why the heart attack is a popular way to die. There’s a conciseness to it. One minute you’re enjoying your McNuggets and then—<em>boom!—</em>you’re gone.</p>
<p>Divorces are like heart attacks. One minute you’re legally married, and then you sign some papers and—<em>boom!—</em>your marriage is declared dead. The divorce decree, just like an autopsy, gives you the time of death and establishes a cause.</p>
<p>But it’s far less revealing. After I signed my divorce papers, legally ending my ten-year marriage, I stared at the cause: “constructive abandonment,” a no-faultish way of saying that even though my wife, Rose, and I had been living together under the same roof, we jointly abandoned our roles as husband and wife. In other words, the marriage failed because we failed to be married. That’s like saying the cause of death was ceasing to live.</p>
<p>While this may fulfill the requirements of New York State Family Law, it would never hold up on CSI.</p>
<p>I decided to conduct my own autopsy, with the help of a dozen relationship experts. The results proved shocking, because I bet you’ve made some of these same mistakes.</p>
<p>MISTAKE 1: <strong><em>Strong retrospective evidence (i.e. 20/20 hindsight) suggests overwhelming feelings of love led couple to make key compromises in life/goals not supportive of each individual’s long-term happiness</em></strong></p>
<p>Or: We Got Married While Madly in Love</p>
<p>When we make the most important decision of our lives—i.e., who we should be with till death do us part—most of us are operating under the influence. The brain in love is awash with the feel-good hormone dopamine. In fact, love activates the same pleasure center in the brain that cocaine does, says Helen Fisher, Ph.D., a professor of biological anthropology at Rutgers University.</p>
<p>So all of us commitment-averse males had it right all along – you DO have to be high to want to get married.  But why would humans choose mates in such a compromised state? “The human animal has not evolved to be happy,” says Fisher. “It’s evolved to make more human animals.”</p>
<p>So when my wife Rose and I met and fell in love, we really were feeling something bigger than both of us—or at least far older. A primordial drive to mate, have a family. This drive didn’t care a lick that I was just finishing grad school, or that I’d previously decided that I’d never settle down before career was humming. It was equally indifferent to Rose’s upbringing in a nice Jewish family where a central tenet is that a husband provides financially for the wife. That made hitching her wagon to a penniless film student not necessarily the wisest choice for her future happiness.</p>
<p><strong>Avoid the same mistake:</strong>  Put chemistry to work for you. In her new book <em>Why Him? Why Her?</em>, Dr. Fisher shows you how to recognize the personality types you’re most likely to have chemistry with long term.  One surprising tip – check out the length of your beloved’s ring finger before slipping that engagement ring on.  A ring finger roughly the same length as the pointer is a marker for being a negotiator while a ring finger much longer than your pointer finger indicates a director.  If you and your beloved don’t square up here, no worries – this is one case where opposites continue to attract.</p>
<p>MISTAKE 2: <strong><em>Review of medical history shows extensive and ultimately successful efforts to conceive offspring in newlywed stage of relationship</em></strong></p>
<p>Or: We Had Kids as Newlyweds</p>
<p>Right after we got married, my wife’s biological alarm clock began ringing. Not that I wasn’t complicit—it meant having a lot of sex. Great work if you can get it, right? And it was both those things—great and work. As anybody who’s been through it knows, trying to conceive can feel like you’re having a menage-a-trois with a fertility chart. What should be the most intimate of experiences was now something that we were sharing with doctors and our families (“Looking forward to meeting our grandson!”)</p>
<p>Thing is, making somebody’s grandson is not very hot. “The most essential aspect of a romantic relationship is not love—because we have lots of people that we love—but intimacy,” says relationship expert David Deida, author of The Enlightened Sex Manual. “What makes a relationship intimate are the things you share with your partner alone.”</p>
<p>When we were trying to conceive, we actually called sex “trying.” As in, “We’re going to try this month.” All that trying yielded two beautiful boys who are the most important things on this earth for me. But I think all the trying complicated our physical relationship for the rest of our marriage.</p>
<p>A couple’s memory of their passionate early years helps to sustain their romance during the later years of marriage.  While other couples can look back and say, “We’ll always have Paris,” we got stuck with “We’ll always have that funky motel off the turnpike where we had to meet in order to do it in the window.”</p>
<p><strong>Avoid the same mistake:</strong> Sex expert Dr. Ruth Westheimer gave me this suggestion to make conceiving a less trying experience for couples:  “Use some very sexy scenes from a movie you’ve both seen and liked. Believe it or not, people have control over their brains and can use fantasy to help them program their thoughts in the right direction.” <strong></strong></p>
<p>MISTAKE 3: <strong>Struggling writer husband assumed primary care-giving responsibilities, while successful businesswoman wife procured porcine assets (brought home the bacon).</strong></p>
<p>Or: We Busted Gender Stereotypes</p>
<p>Rose earned more money than me. Not a little more. A lot. Often, I felt like an expense line in her budget. And even though roughly a third of wives now out-earn their husbands these days, I never felt comfortable with it. I rang up Brenda Shoshanna, Ph.D., author of Why Men Leave, and asked why.  “For many men their identity and sense of self esteem is very dependent on doing well at work and is often reflected in their income and so when a wife earns more, husbands can feel they’re really not the man in the family.”</p>
<p>Further complicating this was our decision to work from home so that we could both be on hand to take care of the new baby. A great idea that broke bad on us. Whenever her work line rang, I would get stuck changing the diapers, enviously watching her do big business—while, of course, she was stuck on the phone, enviously watching me change diapers. It was almost funny. Almost.</p>
<p><strong>Avoid the same mistake: </strong>To make you feel like you’re the one wearing the pants in the relationship, rip hers off.  A recent University of Kansas study found that socially dominant women were the most likely to respond sexually to submission fantasies.</p>
<p>MISTAKE 4: <strong>“In good times and in bad” ratio skewed several standard deviation points toward “bad” by year-long period of death/illness/injury to extended familial unit.</strong></p>
<p><strong> </strong>Or: Chaos became our comfort zone.</p>
<p>During our family’s year from hell, every four weeks or so a brand new crisis would arrive at our doorstep &#8212; almost as if we’d inadvertently checked a box enrolling us in the tragedy-of-the-month club while subscribing to a magazine or something.  The hyper-vigilance that sustained my wife and I through these crises was not so conducive for relaxed date nights and handholding. Post-traumatic stress turns your world upside down: when the end of the world becomes your comfort zone, each new crisis is actually a relief from the stress of worrying about what will befall you next. It got so I felt closest to my wife not at a romantic dinner but racing to the hospital together. That was our date night.</p>
<p>According to neuroscientist Joseph LeDoux, Ph.D., author of The Emotional Brain, fear-based memories are encoded in a different, more instinctual part of the brain. While my hippocampus and prefrontal cortex were clear that the year from hell was over and could understand my wife as a person distinct from that experience, down in my amygdala, the story was less clear. It’s possible that my wife and I came to associate each other’s presence with stressful situations, says LeDoux.</p>
<p><strong>Avoid the same mistake:</strong>  Sharing an event isn’t the same thing as really sharing an experience with your partner.  Leading PTSD researcher Dr. Candace Monson told me that the best way for couples to turn hardship into a tie that binds is to start talking about the experience immediately afterwards with help from a cognitive-behavioral psychologist.</p>
<p>MISTAKE 5: <strong>Effort on behalf of male partner to bridge growing intimacy gap by sequestering himself for a year to write book about how he saved marriage by buying car on Ebay proves less than effective.</strong></p>
<p><strong></strong>Or: My Romantic Gestures Were Too Grand</p>
<p>In his new book, <em>Venus on Fire, Mars on Ice</em>, Dr. John Gray takes his exploration of male/female differences to how men and women interact on a molecular, hormonal level. “Men and women actually do have “chemistry.” A woman gives off phernomes when she feels taken care of by a man. What men fail to realize is that on an interpersonal, chemical level, it’s the small stuff that really matters.”</p>
<p>When I landed my first book contract it was a chance for me to finally do some “big stuff” for our relationship, both in terms of getting paid a good sum of money but also in terms of writing a book that I believed spoke directly to the challenges we’d gone through together. In my mind, going off to work each day was a romantic quest to slay our dragons. All my wife knew was that I was gone. Completely caught up in my work. For close to a year. I finally looked up from my work to discover that the marriage I thought I was saving was gone.</p>
<p><strong> </strong><strong>Avoid the same mistake:</strong> Sweat the small stuff.  Dr. Gray says, “Men like to score points.  If you want to score 36 points, don’t give your lady 36 roses &#8212; give her one rose thirty-six times.”</p>
<p>***</p>
<p>I wish I could blame Rose for our divorce. Blame is such a useful device at times like this. Not only does it make a convenient receptacle for all your anger, there’s something comforting about being wronged. You’re absolved of any responsibility.</p>
<p>Thing is, Rose is a wonderful person—intelligent, idealistic, passionate, a devoted mother. It would be so much easier for me to move on if she were a worthless human being. And unfortunately for her, despite my respectable list of faults, I’m a decent enough guy.</p>
<p>No, the ultimate cause for our uncoupling lay not in all the little things we did wrong, but in the unanticipated effects of all the big things that we did right. Our strengths are hard to separate from our weaknesses. My ability to analyze my marriage to death makes me wonder if that is, in fact, what happened. Marriages can’t be fixed from the outside looking in.</p>
<p>I think that love dies in much same way that a heart does. Over the life of a relationship, all the little resentments and tiny disappointments accumulate inside you like cholesterol to slowly, almost imperceptibly, choke the intimacy and connection that are the lifeblood of any relationship.</p>
<p>I’d like to think that my marriage fell apart because we made all the right mistakes—made with the best of intentions and from a place of love. I think this is part of what makes it difficult to move on. But understanding that allows me to look back at the relationship and appreciate its meaning and beauty, warts and all.  Even if my ex just looks back at me and says, “that’s the jerk who ruined my life,” she is, and always will be, my favorite mistake.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.markmillhone.com/2011/09/17/my-marriage-the-autopsy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Compilation Reel</title>
		<link>http://www.markmillhone.com/2011/09/16/comp-reel/</link>
		<comments>http://www.markmillhone.com/2011/09/16/comp-reel/#comments</comments>
		<pubDate>Fri, 16 Sep 2011 21:47:42 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Film]]></category>

		<guid isPermaLink="false">http://www.markmillhone.com/?p=374</guid>
		<description><![CDATA[Just the good stuff.]]></description>
			<content:encoded><![CDATA[<p><iframe src="http://player.vimeo.com/video/28760516?title=0&amp;byline=0&amp;portrait=0&amp;color=ff9933" frameborder="0" width="400" height="300"></iframe></p>
]]></content:encoded>
			<wfw:commentRss>http://www.markmillhone.com/2011/09/16/comp-reel/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Site Under Construction</title>
		<link>http://www.markmillhone.com/2011/08/01/hello-world/</link>
		<comments>http://www.markmillhone.com/2011/08/01/hello-world/#comments</comments>
		<pubDate>Mon, 01 Aug 2011 16:36:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.markmillhone.com/?p=1</guid>
		<description><![CDATA[Please pardon the mess.  If you need to reach Mark, you can email him at Mark@MarkMillhone.com or call 917.561.7148 Thanks!!!  M]]></description>
			<content:encoded><![CDATA[<p>Please pardon the mess.  If you need to reach Mark, you can email him at Mark@MarkMillhone.com or call 917.561.7148</p>
<p>Thanks!!!  M</p>
]]></content:encoded>
			<wfw:commentRss>http://www.markmillhone.com/2011/08/01/hello-world/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Cowboy Up</title>
		<link>http://www.markmillhone.com/2010/09/19/cowboy-up/</link>
		<comments>http://www.markmillhone.com/2010/09/19/cowboy-up/#comments</comments>
		<pubDate>Sun, 19 Sep 2010 11:36:21 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Articles]]></category>

		<guid isPermaLink="false">http://www.markmillhone.com/?p=422</guid>
		<description><![CDATA[Was I lost?  Or was I looking for something...]]></description>
			<content:encoded><![CDATA[<p>&nbsp;</p>
<p><img class="alignleft size-medium wp-image-192" title="Old San Eli Jail by Brisa Prods" src="http://www.markmillhone.com/wp-content/uploads/2011/09/Old-San-Eli-Jail-by-Brisa-Prods1-300x225.jpg" alt="" width="300" height="225" /></p>
<p>The shot echoed through the woods then all was silent. Even the birds stopped singing. They dragged out the body.</p>
<p>“The perfect size for eating,” said Dean, manager of the Texas ranch under whose auspices the boar hunt was being conducted and in whose employ I now found myself.  He slit the boar open with an expert flick of his knife that landed the guts at our feet. The heart, still beating, hopped like a legless frog.  </p>
<p>I was a long, long way from Manhattan.  I’d say a long way from home but the bank got the apartment and my ex-wife got the kids. All I got was a storage space full of memories. No direction home. That’s how divorce feels. And so I just kept moving. Like an outlaw on the lam. New jobs, new experiences, new people. Anything to put the past behind me.</p>
<p>I went to ground in Texas. A big state. Plenty of places for a man to get lost. Ditched my city clothes. Walked into a western wear shop north of Dallas and walked out a new man. You walk different in cowboy boots. Something about a cowboy hat makes you stand up straight. When I talked my way onto Dean’s ranch, I looked the part.</p>
<p>I kept my head down. Worked hard. Did my best to blend in with the other cowboys. But Dean and his right hand, Mike, were onto me. They were the genuine article. Wore spurs every day of their lives. I was all hat and no cattle and they knew it. When I made the mistake of shaking Dean’s hand without first removing my glove, he called me out.</p>
<p>“Real cowboy would know not to do that,” he said, fixing me in his Clint Eastwood squint. “What’s an educated man like you doing mucking out stalls?”</p>
<p>Dean’s hand rested near the knife on his belt. When not using it to gut wild animals, Dean often employed it rhetorically, unsheathing it to express strong displeasure. Nothing makes your point like steel. He had my full and complete attention.</p>
<p>“Are you lost? Or are you looking for something?”</p>
<p>A good question. Wish I had a good answer. I was fresh out of those since the divorce. Even when its the right thing to do, divorce isn’t the answer &#8211; just a different set of questions. Who was I now that everything that made me who I was — home, marriage, family — had been stripped away? Looking for yourself in the heat of those kinds of changes is like trying to find your shadow at high noon.</p>
<p>Dean stared me down and then looked to Mike. Mike took a drag on his cigarette, nodded.</p>
<p>“You best come with us.”</p>
<p>**</p>
<p>Dean decided it was time to teach me a lesson.</p>
<p>The metal pipe hit me in the gut, knocked the wind out of me. Dean laughed while his sons dragged me from the back of a 4 x 4 and then made me simulate a certain physical act with a mechanical bull.</p>
<p>Bulldogging, or steer-wrestling is a rodeo event in which the cowboy jumps from a galloping horse, grabs a steer by the horns and uses leverage, muscle and meanness to bring it down. Dean was getting back into rodeo shape and we took turns on his training rig, sliding off a mechanical horse towed by one 4 x 4 to grab the horns of a mechanical bull being towed by another.</p>
<p>“Get angry! Turn that son of a buck!”</p>
<p>Dean put me through my paces until the vague feeling that this was a silly thing for a man my age to be doing was replaced by a distinct sensation of physical pain. My lower back, which hadn’t ridden anything more demanding than a desk chair in years, was giving it to me with both barrels. And then there was a third sensation, one I hadn’t felt in a long time.</p>
<p>I was having fun.</p>
<p>“How’s this compare to the real thing?” I asked, half-considering giving it a go.</p>
<p>“A live steer is six, seven hundred pounds of trouble. Things can get pretty Western.”</p>
<p>Things “getting Western,” was Dean’s shorthand for out-of-control situations that result in maiming, injury or death. For Dean, Western was not a fashion but a fact, no the fact of life: if you got on the wrong side of a bull or the wrong side of an argument things could, and regularly did, “get Western.” Life is a blood-sport. Nobody makes it out alive.</p>
<p>“Get up on Redlight,” Dean said, pointing at one his rodeo horses in the corral. I hesitated. I’d done my share of trail riding but these rodeo horses where not your old Y-Camp trail-pounders. I’d just seen a much more experienced rider get bucked off his own horse. This could get Western.</p>
<p>I mounted Redlight and immediately congratulated myself on foretelling my own doom. Riding Redlight was like trying balance on top of a coiled spring with an attitude problem.</p>
<p>“Any tips?” I called out to Dean. He just laughed.</p>
<p>“It’s 95% energy. As long as you know the way home, your horse’ll get you there. You just have to know you’re a horseman.”</p>
<p>No doubt Redlight shared my skepticism on this point, but he gave me the bye. I stayed in the saddle. I liked ranch life. I liked working hard all day; it made it easy to sleep at night. I liked learning to string barbed wire. Drive a tractor. When alfalfa was ready to harvest. If a yearling was cut out to race, show, or be a cutter. To store my cowboy hat upside down to keep the luck from spilling out.</p>
<p>Over lunches at the Two Brother’s Diner, Dean and I would chew over current events. He was a redneck from a very red state and I was a true blue New York liberal but the more we pulled the issues apart, the more we found on which we could come together. “If you and I can see eye to eye,” Dean said, “what the hell’s the rest of the country’s problem?”</p>
<p>I told Dean and Mike about my problems, the large life I’d lost in New York, the divorce. I got no real sympathy &#8211; not because they were unsympathetic, but because, according to the cowboy calculus, I hadn’t lost anything real. A fancy apartment is no protection from the true elements of life. No matter where you live, life can get pretty Western. Especially where women are concerned. Women are like the weather &#8211; you sure enjoy a sunny day but you don’t bank on it lasting forever. A cowboy’s only true commodity is himself. Everything but character can be bought, sold or broken. Despite all I’d lost, they still accounted me a man in full.</p>
<p>What surprised me most about the Cowboy way was how Eastern it could be.</p>
<p>“You just have to accept Karma,” Mike said one day while we were walking through the stable, checking on the pregnant mares that were fixing to foal soon.</p>
<p>“You a big fan of karma, Mike?” I asked, surprised. Mike looks about as New Age as a Marlboro billboard.</p>
<p>“Oh yeah. Don’t have to be Hindu or whatever to have karma. I lived a whole year with an Indian Chief, a wise man. We all of us got things we’re supposed to do. And if you buck that, life’ll let you know. Maybe it’s your karma to be a cowboy. Maybe that’s why you’re here.”</p>
<p>I laughed but Mike was at least half-serious. “Round-up’s coming up,” he said. “We could use you.”</p>
<p>Unfortunately, feeling at home on the range didn’t help me “cowboy up” to the new normal of my non-family life. I was a free man now. I could run wild, be a dog. But with no stick to fetch, a dog just lies around licking his balls all day. The novelty of that wears off. I had a big hole where my sense of purpose used to be. Daily phone calls to my boys just served as daily reminders that we no longer lived under the same roof. Every visit just made me more of a visitor in their lives.</p>
<p>**</p>
<p>On my one afternoon off, I went to town — or rather, its modern-day equivalent, the mall. Had to pick up a birthday present for my nine-year-old. You only get Sunday afternoons off at the ranch. Just because it’s the weekend doesn’t mean the horses take a day off from eating. Or making manure. Economies rise and fall, relationships come and go, but horseshit is forever.</p>
<p>Shopping malls are like happy families. As Tolstoy famously said of the latter, they’re all alike. But after my weeks on the ranch, I couldn’t walk through the food court without thinking of a feed-lot. The snaking movie theater line bore an uncanny resemblance to the chutes we used to work cattle. Like everything else in my post-divorce life, what had been familiar was now strange.</p>
<p>I found the toy store and asked the clerk if they had any automatic pitching machines. She pointed towards the sporting goods aisle. I thought a pitching machine would be a good gift now that I wasn’t around to play ball every day. As I walked towards sporting goods, I replayed the game tape of our impromptu afternoons at the baseball park. Every day was the World Series. It was always game six. Bottom of the ninth. Two outs. Bases loaded. My nine-year-old was at the plate. Right shoulder high, bat tight to his ear just like I showed him. His younger brother was in the outfield bouncing on his toes, ready for the crack of the bat. And now, taking the mound, was a relief pitcher — the Franklin Sports MLB Power Pitcher Pro.</p>
<p>Not me. Not their Dad. Unless it was an alternate weekend or pre-negotiated portion of their school holidays.  I lost it right there in the sporting goods aisle.  </p>
<p>This was what I’d been running from all this time. The memory of an uncomplicated afternoon with my boys, playing ball. The nostalgia for things once taken for granted cuts deepest because it makes us realize we never fully grasp what we have until it’s gone.</p>
<p>The jig was up. Mike was right. If you try to buck your karma, life will let you know. And life was letting me know. My place was with my boys. As close as I could get. I now saw that all the other details of life, all the changes that divorce thrusts upon you, were just details. Life is 95% energy. As long as you know the way home, your horse will get you there.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.markmillhone.com/2010/09/19/cowboy-up/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Minuteman: Universal Squadrons</title>
		<link>http://www.markmillhone.com/2010/09/17/minuteman-universal-squadrons/</link>
		<comments>http://www.markmillhone.com/2010/09/17/minuteman-universal-squadrons/#comments</comments>
		<pubDate>Fri, 17 Sep 2010 10:34:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Film]]></category>

		<guid isPermaLink="false">http://www.markmillhone.com/?p=380</guid>
		<description><![CDATA[Excerpt of my recent feature film which premiered at the Comicon Film Festival and is being distributed by Archstone / Maverick Entertainment.]]></description>
			<content:encoded><![CDATA[<p><iframe src="http://player.vimeo.com/video/28762155?title=0&amp;byline=0&amp;portrait=0&amp;color=ff9933" frameborder="0" width="400" height="225"></iframe></p>
<p><a href="http://minutemanthemovie.com">Minutemanthemovie.com</a></p>
<p><a href="http://www.amazon.com/Universal-Squadrons-Riley-Smith/dp/B004TBKV1Y">Order Movie</a</p>
]]></content:encoded>
			<wfw:commentRss>http://www.markmillhone.com/2010/09/17/minuteman-universal-squadrons/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Just the Financial Disaster We Needed</title>
		<link>http://www.markmillhone.com/2009/09/19/just-the-financial-disaster-we-needed/</link>
		<comments>http://www.markmillhone.com/2009/09/19/just-the-financial-disaster-we-needed/#comments</comments>
		<pubDate>Sat, 19 Sep 2009 11:52:35 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Articles]]></category>

		<guid isPermaLink="false">http://www.markmillhone.com/?p=427</guid>
		<description><![CDATA[The most precious of all life's commodities: a second chance.]]></description>
			<content:encoded><![CDATA[<p>&nbsp;</p>
<p><img class="alignleft size-medium wp-image-225" title="MH0709_DM2M FIN_7_10[1]-1" src="http://www.markmillhone.com/wp-content/uploads/2011/09/MH0709_DM2M-FIN_7_101-1-300x201.jpg" alt="" width="300" height="201" /></p>
<p>We were not sub-prime people.</p>
<p>We were six-figure people. People who knew people. When our son got wait-listed at a Manhattan private school, we picked up the phone and called movie stars, moguls, and sports stars and asked that good words be put in on his behalf. Coincidentally or not, he got in. These were the wheels upon which we thought life turned.</p>
<p><em>Lifestyles of the Rich and Famous </em>was more than just a TV show for us. We were living the dream. We spent Passover at Steven Spielberg’s and played charades with Mike Myers. David Wright gave my six-year-old son batting tips. My wife opened these doors. Rose’s success as a Hollywood talent manager put us on a first-name basis with a long list of boldface names. Many of them may have thought of us as “the help,” but that didn’t stop us from thinking of them as “the Joneses” with whom we had to keep up.</p>
<p>The nightmare of foreclosure began for our family, as it does for most, with a dream home. Our piece of the American Dream was a three-bedroom apartment in Manhattan, overlooking a gated park, a block from our kid’s private school. Theoretically, we could afford it. As long as the Rose Math continued to add up. According to my wife’s revolutionary theory of supply-side economics, the need for money somehow creates the supply, as if the capital she had tied up in her shoe collection is what she leveraged to secure her long list of celebrity clients. Sure, it&#8217;s fuzzy logic, but so are mortgage-based securities. For a surprisingly long time, Rose Math worked.<em></em></p>
<p>Buying the dream apartment was Rose’s idea, but I can’t blame her for how far we over-reached. I drank the Kool-Aid too. While she was spending serious money on ridiculous things like purses, I was spending ridiculous money on things I deemed serious&#8211;like the care and feeding of my classic BMW. And, of course, we weren’t alone&#8211;the entire financial industry had bet the farm on the bubble not bursting. Our bank made a super jumbo bet on us&#8211;“super jumbo” is the term some financial genius thought up for a residential mortgage greater than $650,000. These mortgages incentivize the borrower to take full advantage of the tax benefits that come when you’re paying massive interest on a massive mortgage. “Look at this, Rose,” I remember saying. “The more debt we take on, the more money we <em>save</em>!”</p>
<p>Things fell apart for us in the usual way. When the economy tanked, my wife lost her lucrative job. All of a sudden we had to make ends meet on what I bring home as an aspiring writer, occasional filmmaker, and untenured college instructor&#8211;bake-sale money compared to when my wife was the family breadwinner.</p>
<p>Overnight, foreclosure stopped being something we read about in the newspaper and became a near-daily phone call from the bank, wondering where our mortgage payment was.  We couldn’t afford to stay in the apartment but we couldn’t afford to sell it either—we owed the bank a million dollars more than what our place was worth after the bubble burst.  We had only one choice: Walk away and suffer the consequences for the rest of our lives.</p>
<p>So that’s what we decided to do.</p>
<p>My father offered to give us our own financial bail out, to make our mortgage payments for us while we sifted through the ashes of our so-called life. My father was a child of the Depression. Even though he grew up fairly comfortably, the son of a lawyer in a small town in Iowa, it still left its mark. One indelible image I have of him is trimming the moldy parts off of grapes and cheese before serving them to me and my brothers.</p>
<p>&#8220;It&#8217;s perfectly good,&#8221; he would say.</p>
<p>We didn’t accept his offer, not out of pride—pride topped the list of luxuries we could no longer afford—but because it would just be throwing good money after bad. We had to completely let go of our old lifestyle if we wanted to have a new life. Rose and I sat down and made a list of luxuries we’d have to learn to live without. Among them:</p>
<ul>
<li> <em>Private School. </em>Tuition at our local Manhattan private school for two children is $72,055 per year. That doesn’t include the after-school enrichment program, which sets you back an additional five grand (not including “materials fees” like the life-affirming $125 Build-a-Bear workshop). Also not included is the salary for the nanny you have to hire because both you and your spouse are working like dogs to afford all of the above. When you look at the after-tax salary necessary to keep pace in this lane of the rat race, it breaks down to about $500 per kid per school day. That’s just gross.</li>
<li> <em>Giving our kids the best of everything.</em> But giving your kids everything isn’t really what’s best for them. Our boys have a PS3, an Xbox <em>and</em> a Wii and still manage to have nothing to do.</li>
<li><em>Personal accountant. </em>The problem with having a guy who pays your bills is that it’s easy to forget that it’s <em>your</em> money he’s spending. <em>How could we be broke? People who have accountants don’t go broke.</em> Let me assure you that they do.</li>
<li> <em>Hollywood premieres. </em>No big loss. They’re only fun the first time.</li>
<li><em>Invites to fancy fundraisers from people whom we’d convinced we were rich (besides ourselves). </em>See “Hollywood premieres,” above.</li>
<li><em>Box seats and VIP parking at Shea Stadium. </em>Okay, this I mourn.</li>
</ul>
<p>What saddens me most is not how much I miss these perks, but how much I <em>don’t</em>. Rose and I put so much of ourselves into things that were ultimately empty.  But perhaps having this perspective is the perk that adversity brings. If necessity is the mother of invention, adversity is the father of insight. It’s only through being forced to make hard choices that we come to understand what really matters.</p>
<p>Walking away from our apartment (and with it, our credit rating) also meant walking away from life as we knew it.  Goodbye bright lights, big city. Goodbye fancy parties and the expense accounts that made them possible.  From now on we’ll have to (here’s a crazy thought) <em>live within our means</em>. And we’ll be doing this in my childhood home—a modest, depression-era Sears house in Arlington, Virginia.</p>
<p>I spent many a dysfunctional family Christmas in this house, wishing I were anywhere else. I didn’t relish going back. But I knew it was the right choice for my family, because it’d allow us to get back on our feet financially. So last December, I called my dad and asked if we could visit—and stay forever.</p>
<p>The more Dad and I talked about it, the more it made sense. Rose and I needed a new home and the house had felt empty to Dad ever since my mother passed away three years before. It’d also be a great opportunity for my father and I to reconnect. Plus, Arlington has great public schools, numerous parks and playgrounds (apparently, growing children benefit from things like sunlight and clean air), and Starbucks, Whole Foods, Barnes &amp; Noble, and most other &#8220;necessities&#8221; of modern Yuppiehood.</p>
<p>Just a month after the move, my thinking has already shifted from how much the recession cost us (being broke is, after all, free) to what the boom cost us. We weren’t living a richer life in New York—just a more expensive one. The ongoing strain of affording what we thought of as our life (but was, in fact, merely our <em>lifestyle</em>) bankrupted us in ways that don’t show up on your standard P&amp;L statement: my wife’s health, the stability of our marriage, a happy home-life for our children.</p>
<p>We never really owned our dream home, I realize now. It owned us.  Every marriage has its challenges, and the biggest for Rose and me was one many couples can probably relate to these days: After buying our dream house, our relationship quickly devolved from making love to making our monthly nut.</p>
<p>As the house husband, I increasingly resented that Rose could fully focus on her career. Rose, meanwhile, coveted all the quality time I got to spend with our two boys. All too often, she was forced to give her tender, loving care to some child-star client instead of her own children. It took a toll, and she was burning out. Even if she hadn’t lost her job, the curtain would have come down on her soul-sapping bicoastal juggling act eventually. Better for it to happen now, while we still had a marriage left to save.</p>
<p>The thing about having to start over is this&#8211;<em>we get to start over</em>. We now have dinner as a family every night. Rose and I are talking again, as if we had years to catch up on.  Which we sort of do.  I’m now shouldering our family’s entire financial burden, which I find profoundly satisfying. In a weird Neolithic way, knowing that I put the food on the table somehow makes it taste better.</p>
<p>Adversity, when embraced, tenders us gifts&#8211;never, of course, the ones we want but often the ones we need. Financially, my family lost everything. But we are rich in ways we never were before.  We are now invested in the true necessities of life and have in our possession the most precious of all life’s commodities: a second chance.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.markmillhone.com/2009/09/19/just-the-financial-disaster-we-needed/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Christmas In New York</title>
		<link>http://www.markmillhone.com/2009/09/16/christmas-in-new-york/</link>
		<comments>http://www.markmillhone.com/2009/09/16/christmas-in-new-york/#comments</comments>
		<pubDate>Wed, 16 Sep 2009 16:58:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Film]]></category>

		<guid isPermaLink="false">http://www.markmillhone.com/?p=364</guid>
		<description><![CDATA[Academy Award-winning student film.]]></description>
			<content:encoded><![CDATA[<p><iframe src="http://player.vimeo.com/video/28765891?title=0&amp;byline=0&amp;portrait=0&amp;color=ff9933" frameborder="0" width="400" height="300"></iframe></p>
]]></content:encoded>
			<wfw:commentRss>http://www.markmillhone.com/2009/09/16/christmas-in-new-york/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>En Pointe</title>
		<link>http://www.markmillhone.com/2008/09/19/en-pointe/</link>
		<comments>http://www.markmillhone.com/2008/09/19/en-pointe/#comments</comments>
		<pubDate>Fri, 19 Sep 2008 14:41:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Film]]></category>

		<guid isPermaLink="false">http://www.markmillhone.com/?p=483</guid>
		<description><![CDATA[Trailer for Documentary about Ballet Austin.  ]]></description>
			<content:encoded><![CDATA[<p><iframe src="http://player.vimeo.com/video/28765258?title=0&amp;byline=0&amp;portrait=0&amp;color=ff9933" frameborder="0" width="400" height="225"></iframe></em></p>
]]></content:encoded>
			<wfw:commentRss>http://www.markmillhone.com/2008/09/19/en-pointe/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Actually, Money Can Buy Happiness</title>
		<link>http://www.markmillhone.com/2008/09/19/actually-money-can-buy-happiness/</link>
		<comments>http://www.markmillhone.com/2008/09/19/actually-money-can-buy-happiness/#comments</comments>
		<pubDate>Fri, 19 Sep 2008 12:05:43 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Articles]]></category>

		<guid isPermaLink="false">http://www.markmillhone.com/?p=435</guid>
		<description><![CDATA[Everything you think you know about money may be wrong.]]></description>
			<content:encoded><![CDATA[<p>&nbsp;</p>
<p><img class="alignleft size-medium wp-image-208" title="MHmoneyPDF-1" src="http://www.markmillhone.com/wp-content/uploads/2011/09/MHmoneyPDF-1-300x266.jpg" alt="" width="300" height="266" /></p>
<p>The faster we travel down the information super highway, the shorter the half-life of truth seems to be. We now fly through conventional wisdom as if it were a one-stoplight town&#8211;blink and you’ll miss it. It’s gotten to the point that the conventional wisdom about conventional wisdom is that none of it is true. This is the case even about that which we hold most dear.</p>
<p>That’s right, we’re talking about money.</p>
<p>According to the most recent research, much of what many of us think we know about money is dead wrong.  Forget the clichés. Free your mind and your cash will follow.</p>
<p>STUPID MONEY MAXIM #1: MONEY CAN’T BUY YOU LOVE</p>
<p>Reams of research over the past decade confirm that we all know but prefer not to admit: For women, money  is sexy.</p>
<p>A 2006 study of TK women published in the <em>Journal of Personality and Social Psychology</em> found that women looking for a mate are most attracted to power and financial resources, followed by kindness and intelligence.  While muscularity and masculinity still count most for women when choosing a mate for a one night stand, when women are playing for keeps is all about the Benjamins.</p>
<p>Love doesn’t come cheap, however. Earlier this year, researchers at the University of Chicago asked TK women&#8211;all who had reported that their physically ideal guy stands 6 feet tall&#8211;what it’d take to fall in love with a man who is only 5-foot-2. Their collective answer: He’d have to earn at least $270,000 more per year than their ideal guy.</p>
<p>Why are women so hot for wealth? Evolutionary biologists long ago proved that females naturally seek males who can provide for the family.  According to Arizona State researchers, the modern work place has given this dynamic a new twist: career women, frustrated by the glass ceiling at work, seek to ally themselves with successful men who can help them bust through.</p>
<p>So when you look into the eyes of your beloved, don’t be surprised if you see a bottom line there.  Ambitious couples often butt heads, so perform the periodic maintenance recommended by Jonathan Rich, Ph.D., psychologist and author of <em>The Couple’s Guide to Love and Money.</em></p>
<p><strong>1. Create yours, mine, and ours accounts.</strong> “The ‘ours’ account is for shared expenses, like the mortgage, utilities, and food. The other accounts are for personal expenses, such as entertainment. Keeping separate accounts helps to avoid needless nitpicking, and gives both of you some financial freedom.”</p>
<p><strong>2. Keep your eyes on the horizon.</strong> “Sailors give this same advice to the queasy. Close objects bob up and down, but things in the distance remain stable. Likewise, focusing on small, day-to-day money issues can strain your relationship. Talk over the big, long-term goals and plan together for the future, then check in monthly to make sure you’re still on course.”</p>
<p><strong>3. Reap her riches.</strong> “Men thrive on healthy rivalry; women don’t. So stow your competitive spirit when it comes to matters financial. Instead, think about it this way: Her success is your success. Her raise is your raise. Cheer her on, but don’t race her to the finish line. Because even if you win, you lose.”</p>
<p>STUPID MONEY MAXIM #2: IT TAKES MONEY TO MAKE MONEY</p>
<p>Truth is, hard times are historically the best times to strike it rich. More than half of the 30 companies listed in the Dow Jones industrial average trace their birth to recessions. Hewlett-Packard, for example, which had revenues of $92 billion last year, was founded in the wake of the Great Depression for just $6,000 in today’s money. Why are bad times so lucrative? They force entrepreneurs to rethink conventional wisdom, embrace risk, and swing for the fences.</p>
<p>Having no money, recession or not, can actually be a key advantage when starting a business, says Ted Rheingold, CEO of Dogster.com. Rheingold launched his site in 2004 with $0, was turning a profit a year later, and now has more than $1 million in annual revenue. Compare that to Pets.com, which launched in 1998 with a monster $82.5 million IPO and was out of business within nine months. The difference? Dogster was more nimble. Both companies were banking on selling pet accessories. But when no one wanted them, Dogster quickly morphed into a social networking site for pet lovers.  Meanwhile, Pets.com was stuck with warehouses full of unsold chew toys.</p>
<p>Point is, once you figure out what’s wrong with your million-dollar idea, it might actually be worth a million bucks. And yes, it’s scary to jump without a financial safety net, but unless you’re the lead dog, the view never changes. Top Dogster himself, Ted Rheingold, offers these tips for budding entrepreneurs:</p>
<p><strong>1. Pay others before yourself.</strong> “This is the key to really making money. It creates the employee loyalty you’ll need to hold your business together long enough for it to become profitable.&#8221;</p>
<p><strong>2. Don’t drink your own Kool-Aid.</strong> “The only way to stay in business is to retain your objectivity about what works and what doesn’t. Be passionate about running a model, original business&#8211;not running with your original business model.”</p>
<p><strong>3. Embrace Poverty </strong>“Having money to play with often ends up being a self-fulfilling prophecy. You just blow it all on business cards and office space before you really need those things to make your business grow.”</p>
<p>STUPID MONEY MAXIM #3: MONEY TALKS</p>
<p>Money will always blab, but a comprehensive review of research by the Council on Contemporary Families suggests that men are [now] listening less.</p>
<p>Historically, of course, men and women have been from different planets when it’s come to career v. family. Now they’re meeting in the middle. “The evidence overwhelmingly shows what we call ‘gender convergence,’ an ever-increasing similarity in how men and women live and what they want from their lives,” says Molly Monahan Lang, a sociologist at Bloomsburg University of Pennsylvania who co-authored the review. In fact, a recent Radcliffe Public Policy Center study found 82 percent of men between the ages of 20 and 39 put family first, compared with 85 percent of women. And 71 percent of those men would give up some pay in exchange for more time with their families.</p>
<p>What’s driving the trend? Young men&#8211;a third of whom are from divorced families, according to Yankelovich research&#8211;have a strong desire to out-father their hard-charging Baby Boomer dads. Researchers at the University of Pennsylvania found that the less a father aspires to career advancement, the better he feels about his performance as a parent. And the lower the value a father places on wealth, the better he feels about the care his children receive. Other studies reveal that children of career-focused parents are more likely to experience behavior problems, do less well at school, and aren’t as successful as adults.</p>
<p>Now that young fathers have developed a healthier attitude toward money, how can they pass it to their kids? Take this advice of Rick Kahler, a certified financial planner and author of <em>Conscious Finance</em>.</p>
<p><strong>1. Accept that money is important.</strong> “Intelligent money management is a basic 21<sup>st</sup> century survival skill, no different than reading and writing. Don’t downplay&#8211;or overplay&#8211;its importance with your kids. Young men often don’t have good role models, on the whole. Less than half of Americans between the ages of 52 and 62 have anything saved for retirement.”</p>
<p><strong>2. Prepare for the tough question.</strong> “<em>Daddy, how much money do you make?</em> Many of us find it easier to talk to a five-year-old about sex than money. That’s crazy. Break it down to a daily amount, and tell them what you spend it on. If we want your kids to learn about money, you need to talk about it openly and engage their curiosity.”</p>
<p><strong>3. Bankrupt them, early and often.</strong> “You should start giving your kids an allowance around the age of 5, but make them work for it. No free rides. If they don’t do their chores, take their allowance away. Don’t back down&#8211;that only teaches them that the way to get what they want in life is break the rules and then whine about it.”</p>
<p>STUPID MONEY MAXIM #4: FRIENDS AND MONEY DON’T MIX</p>
<p>This notion is so tremendously useful that if it didn’t already exist, someone would have to invent it. What’s more ingenius than being able to tell a friend you can’t help because you care about him too much?</p>
<p>But, alas, it’s nonsense. A 2006 study, published in the <em>Global Entrepreneurship Monitor,</em> found that of the nation&#8217;s 500 fastest-growing private companies, a third of them raised start-up capital by tapping family and friends. And a recent University of Michigan study showed that socio-economic status is one of the most consistent predictors of whom we choose as friends. Friends and money not only mix, they do so like rum and Coke.</p>
<p>So when you invent a better mousetrap, don’t be too proud to call on those you know best. Just remember: It’s business, not personal. “The better the friend, the more business-like you want to be,” says Sam Grobart, senior editor of <em>Money</em> magazine. “You want to lock down every variable and term and condition and put it in writing. You may have to push your friend to be as business-minded as you are, but it ultimately benefits both parties.”</p>
<p>What if you’re on the other side of the phone, with a friend asking you for money? Allow wealth counselor Thayer Willis, MA, LCSW, author of <em>The Dark Side of Wealth</em>, guide you to your answer.</p>
<p><strong>Should You Loan Money to a Friend?</strong></p>
<p><em>1. Is your friend someone you want to help?</em></p>
<p><strong>Yes</strong> [go to question 2]</p>
<p><strong>No </strong>[go to ‘no’ box]</p>
<p><em>2. Can you afford to lose the amount your friend is requesting?</em></p>
<p><strong>Yes</strong> [go to question 3]</p>
<p><strong>No</strong> [go to ‘no’ box]</p>
<p><em>3. Do you really believe your friend will pay you back?</em></p>
<p><strong>Yes.</strong> Discuss and agree on the specifics of the loan (amount, interest rate, payment schedule, late payment fees), write a loan contract, and transfer the money to your friend.</p>
<p><strong>No</strong> [go to question 4)</p>
<p><em>4. Are you willing to give your friend the money as a gift instead?</em></p>
<p><strong>Yes.</strong> Ask a financial advisor if there will be tax consequences, so you see the whole picture. Then, you have two choices: 1. Simply give your friend the money; or 2. write up a loan contract that includes a condition where if the money isn’t repaid by a certain date, it becomes a gift.</p>
<p><strong>No.</strong> Say <em>no</em>, adding something like:</p>
<p>1. “<em>You’re a great friend, but I can’t really swing a loan right now.”</em></p>
<p>2. “<em>I don’t feel comfortable loaning money right now.”</em></p>
<p>3. “<em>I can’t really loan you the money. Is there some other way I could help?”</em></p>
<p>STUPID MONEY MAXIM #5: MORE MONEY = MORE PROBLEMS</p>
<p>This maxim has been gaining steam in recent years, as lottery winners take to the airwaves and complain about how <em>complex</em> their lives are now. Uncle Buck wants to pay off his truck, and Cousin Jeb hopes to start a mail-order bait business, and poor Little Johnny is being harassed at school.</p>
<p>It’s true that a suddenly windfall can blow a person’s life off course. Psychologists even have a name for it: “sudden wealth syndrome.” But on the whole, according to a U.K. survey, lottery winners doing just fine: 55 percent say they’re happier now than before, and 43 percent are just as happy. The more money they won, the happier they are. Of married winners, 95 percent are still with the same partner. And 90 percent report having the same best friend.</p>
<p>There’s a decent chance you’ll hit a jackpot someday. If you consider all of the potential sources of sudden wealth&#8211;investments, job promotion, sale of a home or business, legal settlement, retirement disbursement, inheritance&#8211;more than 75 million Americans will experience a significant influx of money at some point in their life, says Susan Bradley, a financial advisor and author of <em>Sudden Money: Managing A Financial Windfall. </em>“It should simplify your life,” says Bradley, “not make it more complicated.” When it happens, here’s exactly what you should do, according to Bradley.</p>
<p>Step 1: Take 10 percent of the money and set it aside for something fun&#8211;a dream vacation or a new car.</p>
<p>Step 2: Take another 10 percent and give it to charity. Now, didn’t that feel good?</p>
<p>Step 3: Pay off your bad debts, such as car loans and credit cards. Still have money left? Great! Keep going . . .</p>
<p>Step 4: Take care of any necessary home repairs or medical procedures you’ve been putting off. Wallet still bulging? Lucky you. In that case . . .</p>
<p>Step 5: Invest the rest of the money for your future&#8211;think IRA or a 529 college savings plan for your kids.</p>
<p>Step 6: Watch it grow. A 10 percent rate of return&#8211;what the stock market delivers, on average&#8211;will double your money every 7 years. So if you’re 30 years old and you set aside $10,000 now, it’ll grow to $300,000 at retirement.</p>
<p>STUPID MONEY MAXIM #6: MONEY CAN’T BUY HAPPINESS</p>
<p>As Gertrude Stein said, “Whoever said money can&#8217;t buy happiness didn&#8217;t know where to shop.”</p>
<p>According to a recent Pew Research Center study, happiness rises in a nearly straight line through eight levels of annual family income: Only 23 percent of people earning less than $20,000 a year say they’re happy, whereas 50 percent of those making $150,000 annually can’t wipe the smiles off their faces. This is called the absolute income effect.  It works in reverse too: People earning less than $15,000 a year were five times more likely to be unhappy than those earning $75,000 or more.</p>
<p>That’s good news for rich people. But what if you’ve sentenced to a lifetime of middle-class living. Luckily for you, there’s something called the relative income effect. Last year, Princeton University researchers found that your happiness increases in lockstep with how much money you have left from your paycheck after you pay your monthly bills. “Once you earn enough to cover your basic needs, being much richer doesn&#8217;t make you much happier,” they reported in the journal <em>Science.</em></p>
<p>So, how can you make sure your personal P&amp;L is always in the black? J.J. Burns, CPA, founder of J.J. Burns &amp; Co. in Melville, New York, offers a few easy ways.</p>
<p><strong>1. Pay your mortgage on the first of the month</strong>. “Because banks compound interest on your mortgage loan every day, making your payment at the beginning of the month instead of waiting to the mid-month due date will save you thousands over the course of your mortgage. Another trick: Banks operate on a 48-week annual billing cycle, whereas we get paid for 52 weeks a year. Splitting your payment in half and sending your bank a check every two weeks&#8211;26 payments a year&#8211;will cut as many as 10 years off the life of your loan. If you have a $300,000 mortgage, you’ll save $100,000 in interest.”</p>
<p><strong>2. Guarantee yourself a 25 percent return.</strong> “Every time you receive a raise, give your 401(k) one, too. If you’re in the 25 percent tax bracket&#8211;meaning you make between $31,000 and $74,000&#8211;you’re guaranteed to see a 25 percent return on this investment. In other words, every $1,000 you contribute only costs you $750. And, of course, that money should grow.”</p>
<p><strong>3. Go bargain hunting&#8211;at the therapist’s office.</strong> “Prolonged bouts of depression or anxiety are not only had for your health, but your wallet. According to the Surgeon General’s office, the indirect costs of mental illness in this country are nearly $80 <em>billion</em>. That’s $80 billion worth of raises that weren’t given, businesses that weren’t started. If you’re struggling emotionally, you’ll struggle financially.  If you need help, get help &#8211;there’s no more direct way to invest in your own happiness.”</p>
]]></content:encoded>
			<wfw:commentRss>http://www.markmillhone.com/2008/09/19/actually-money-can-buy-happiness/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>My Girl Music Video</title>
		<link>http://www.markmillhone.com/2007/09/19/my-girl-music-video/</link>
		<comments>http://www.markmillhone.com/2007/09/19/my-girl-music-video/#comments</comments>
		<pubDate>Wed, 19 Sep 2007 14:47:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Film]]></category>

		<guid isPermaLink="false">http://www.markmillhone.com/?p=490</guid>
		<description><![CDATA[Video for Blackland Records performing artist John Kent &#038; the Dumb Angels.  Voted Audience Favorite on CMT Pure Network.  ]]></description>
			<content:encoded><![CDATA[<p><iframe src="http://player.vimeo.com/video/28762955?title=0&amp;byline=0&amp;portrait=0&amp;color=ff9933" frameborder="0" width="400" height="300"></iframe></em></p>
]]></content:encoded>
			<wfw:commentRss>http://www.markmillhone.com/2007/09/19/my-girl-music-video/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>
