Many marriage tragedies are caused, not by lack of money, but rather by the mismanagement of it.

A willingness to vocalize feelings. How important it is to be willing to voice one's thoughts and feelings. Yes, how important it is to be able to converse on the level of each family member. Too often we are inclined to let family members assume how we feel toward them. Often wrong conclusions are reached. Very often we could have performed better had we known how family members felt about us and what they expected.

Adversity will surface in some form in every life. How we prepare for it, how we meet it, makes the difference. We can be broken by adversity, or we can become stronger. The final result is up to the individual'.

The difference between those who are committed and those who are not is the difference between the words want and will.

Some think the only way to get even, to get attention or advantage, or to win is to bash people. This kind of behavior is never appropriate. Oftentimes character and reputation and almost always self-esteem are destroyed under the hammer of this vicious practice.

Listening is more than being quiet. Listening is much more than silence. Listening requires undivided attention. The time to listen is when someone needs to be heard. The time to deal with a person with a problem is when he has the problem. The time to listen is the time when our interest and love are vital to the one who seeks our ear, our heart, our help, and our empathy.

You owe it to yourself to keep fit. No matter how busy or how involved you are, you should have some type of physical program to keep the body in tune.