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                                    Two  Kinds of Change If you and I want to change anything in our lives, it's  invariably one of two things : either how we're feeling or our behaviors.  Certainly we can learn how to change our emotions  or feelings within a context. For example, if you feel fearful of being rejected as an actor, I can help you to condition yourself so that you no longer feel fearful.  Or we can make the second kind of change: a global change. A metaphor for this might be that if we want to change the way your computer is processing data, I can change the software that you're using so that when you hit the keys what shows up on the screen is formatted differently. Or if I really want to make change that will not only affect this type of file, but multiple environments, I can change the computer's operating system. By changing the Master System, we ...

SAVING The Secret to Saving Money 9 MINUTE READ We all have good intentions when it comes to saving money, right? We tell ourselves we’ll start saving once we reach a certain milestone, like when we hit a specific age, get a raise, or the kids move out. But in reality, you’ll only  start saving money  when you develop healthy money habits and your future needs become more important than your current  wants . Don’t worry, it’s not as overwhelming as it sounds. With a few tweaks to your spending priorities, you’ll be on the fast track to saving money in no time. Why Americans Aren’t Saving Money We all  know  we need to save, but most people don’t save like they know they should. In fact, a report by the Federal Reserve found that about 40% of Americans surveyed would have difficulty covering a $400 emergency. ( 1 )  Why? Because they have competing goals. A lot of times, the goal to save money isn’t a big enough priority to delay the purc...