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Freedom, independence, self-sufficiency: these are great and glorious concepts. We celebrate them this time of year, whether we process it that way or not, because they’re so deeply engrained in our image of America. We see ourselves as a nation of rugged individualists: seizing the bull by …

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Borrowing is a difficult thing to do for most people. While many people, for example, delight in the purchase of new homes, they also continually worry about the new debt that accompanies that purchase – a mortgage – that will have to be serviced and paid monthly for many years. Those though…

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I’d be willing to bet that there are thousands of quotations and hundreds of books written about positive thinking. Two such books that come to mind that had a profound impact on me are Dr. Norman Vincent Peale’s “The Power of Positive Thinking” and Dale Carnegie’s “How to Win Friends and In…

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