Budget remaining at year-end? What happens then? First, understand what a budget isn’t. It is not a bucket to accumulate funds for various activities. Neither is it a straitjacket, nor a scheme to show what we can’t do. A budget is a highly directed tool-designed to achieve specific goals. It is our best estimate of…

An essential device that will be found in one corner of virtually every home is an inverter. Even schools, offices or public buildings are not exempt from this rule. When push comes to shove, these rectangular gizmos save the day. When there is a power outage, as inevitably happens, it is the inverter that offers…

Over the years, I have heard people say to others that they ‘just need to love themselves’, or words to that effect. Along with this, I have come across numerous posts online where the same thing has been said. Self-love is then presented as something that someone can experience by simply loving themselves. With the…