and the present economic situation, has led many people to evaluate their activities and

the areas which tend, to take a back seat during these challenging times, is personal

is during these times, that greater effort needs to be expended because challenging times require

innovative ways of dealing with opportunities and obstacles

rule book” no longer provides all the answers or directions to what many people have

worked a few months or a year ago may not be very helpful now and

reason why it is important to consistently engage in personal development, because as life

not be a costly outlay, either, and many activities do not require spending any

development need not be seen as a tedious or cumbersome task because this will defeat

will benefit tremendously if the personal development journey is seen as a positive exercise, one