5 Secrets to Better Life Habits: "How It Can Work for You: Find a way to break down your financial goals to go from aspiration to execution. “I will be better with money,” may become “I will take a Money Minute on my iPhone every morning before I leave the breakfast table.” And don’t go overboard by piling on the microresolutions. Practice only one of them for the next two weeks. Once that one becomes more automatic, add a second, such as “I will walk two extra blocks to go to the non-fee ATM.”"
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"Sustainable Peace Formula of Ambassador Zara Bayla Juan for the Generations X, Y, Z, Alpha, Beta, Gamma, Delta in support of the 17 Sustainable Development Goals of the United Nations" -sailing for peace