18 August 2011

Time for More Reflections

I love making the time to sit quietly and make plans.  Making plans - especially when sitting quietly - is not a lazy thing to do.  It is essential.  It involves reflecting on past challenges and achievements as well as looking towards some sort of future improvement.

08 August 2011

A Debt-Free Life

How easy is it for an "average" person, in any society, to have a debt-free life?