A Well-Adjusted Life

Many folks are time wasters. To be successful and happy, you must discipline yourself to work all the time you work.  The average employee works at about 50 percent of capacity.  Fully 80 percent of people working today are underemployed, in that their jobs do not really demand their full capacities. 

Be Prepared!

World events remind us that disasters can happen anywhere. There was a devastating tsunami, which affected several countries. Two hurricanes, Katrina and Rita, wiped out many thousands of homes and businesses. In the Southwest, major forest fires claimed thousands of acres and homes. Tornadoes and flooding took place in the Midwest. Every day of the