I'm a firm believer in the notion that it pays to dream. Just the thought of one day hanging this Cloud Chandelier ($40,000) in a high ceilinged foyer of my own truly has me floating on cloud nine. Yes, I know the thing costs more than a car or a down payment on a house. But I really feel that one fine day this 32-armed, mouth-blown crystal luminary will be mine. Until then, I'll just go to sleep where life is all hearts, stars and black American Express Cards.