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While driving this morning, I heard that debt is becoming an increasingly dominant factor in our lives leading to all sorts of health problems including high blood pressure, stress and heart attack. If you add the imminent threat of recession [...]


Nothing can seem foul to those who win.
-William Shakespeare (1564-1616) British poet and playwright.

I’ve known many people from all walks of life. They have different ethnicity, religion and, of course, different culture. Nonetheless, in a simplistic view, I’d like to classify people into two groups: Whiners and Winners.
Whiners are those who are enamored [...]