BARRY J. MOLTZ

It’s easy to blame the government, your employer, or someone other than yourself for your problems. But no one will come to save you.

You’ll have to lift yourself out of your circumstances. It won't be easy. But if you want to change your life, you really don’t have a choice.

A sincere apology can help you begin repairing damage after a wrongdoing. To make an effective apology, you’ll want to:

• acknowledge your role
• show remorse
• avoid making excuses
• ask for forgiveness

The most heartfelt apology means nothing if you...

It has the same root cause as all forms of procrastination. It is caused by the desire to avoid something unpleasant: you don’t want to get started, so you start searching for excuses to justify avoiding the unpleasantness.

And there really are fears, uncertainties or doubts, ...