To be proactive is to recognize that your personal actions can have an impact on your present situation and change it for the better. Being proactive means you take action instead of just sitting and waiting. Being proactive means you are “...

Challenges with money happen to everyone at some time or another. I know it’s not fun. In fact, I know it’s quite the opposite—it’s painful.When we experience an economic setback, whether personally or on a grander scale (like a rece...

I like to say, ‘‘Too many people follow the crowd, even if the crowd is going in the wrong direction.’’ That is said, I encourage you to decide that you will not willingly participate or commiserate, and the definitive word in this ...