Author Archives: Bob Lowry

Recent Articles


Is Commitment Out Of Fashion?

Today, it seems more likely that a commitment is considered very flexible. When it suits the person or business that made the promise is when it will be fulfilled. I don’t know why commitments are not that that important anymore. But, I would like to take a stab at discussing why it is a disturbing trend. r

how to save time

8 Steps to Free Up More Free Time

We are always looking for ways to make more productive use of our time. Do you always seem to be playing catch up? Do you end your day with a longer to-do list than you started? r

save money

1 Simple Decision That Gives You Financial Independence

A recent survey showed that 60% of us don’t keep a budget. Close to 20% hasn’t a clue where their money goes each month, yet 43% do spend more each year than they earn. Almost a third pay no attention to interest rates on their credit cards, even while carrying an average debt of $15,000 per household. r