PHILLIP. W. KOONTZ

When we want to change ourselves anew, we often set a date on when to start changing our behaviors or our habits. This is the concept of having a "fresh start".

The effect of the "fresh start" is that we're able to overlook our past mistakes and imperfections of our daily lives and...

Everyone looks at money through the lens of their past experiences.

You can read what it was like to lose everything during, say, The Great Recession, but you will never bear the emotional scars of those who survived it and are now afraid to invest again. It’s impo...

If you’re an experienced musician, challenge yourself by learning new songs or genres. If you don’t know how to play an instrument, remember that it’s never too late to start. You can find plenty of free how-to videos online to get you started.

Research shows that