I spent over a year working in the call center for a bank. Just the other week, I used my knowledge of these strange beasts of the modern economy to save over $200 on a phone bill. And this wasn’t the first time my knowledge of how call centers operate has come in handy - there have been multiple occasions when I have saved myself not only money, but also a lot of time and frustration by sticking to 5 simple rules. Click here to continue »

As much as we hear a spiritual evolution is at hand, in many ways we still live in a very physical, down and dirty world. It can feel like you are competing in a 10K with a bum leg.

Whether you are kissing up to your boss or negotiating with your creditors, this is simply not the life you imagined for yourself. The truth is when people tell you how good life is, sometimes you just want to slap them.

You understand the concept of having a positive attitude — you are not a moron. But the reality is you have another mortgage payment due, and not enough money in the bank. Okay, let’s all agree, this sucks. You have people counting on you—you wife, you son, your ex-wife, your mutt, your IRS agent, your Mom, etc, etc.

Now that we are on the same page (facing the reality that life is not fair) what can you do about it? Here are five practical things you can do to ease the pain: Click here to continue »