Who's your favorite Bond movie villain? Oddjob? Blowfeld? Largo? Mine is Donald Grant from "From Russia with Love".

But the villains that we have to watch out for are the ones that try to talk us out of our dreams. They'll tell us, "Don't go to college", "Don't date that person" "Don't start a business", "Come over here, hang around, and waste time with us."

The sabotage of our dreams, rarely comes from without. It comes from within our circle of friends and associates and usually at the important ages of between 25 and 35. But success and an upgraded lifestyle can come at any age and should come now at the age we are.