I will guarantee that whoever you are reading this article - that right now you have a personal or business challenge that you wish were over or solved. Am I right? If not you may have a serious issue with denial.

Reduced commission is a change. If the premiums are too high it must be the agent who is making too much. We should've seen this one coming. In an effort to help others the answer has always been to climate change solutions cut out profits.

Lastly, the fourth S is for Skill. We must be skilful enough to translate our climate change solutions into an applicable plan of action. If we are not, then we must first develop such skills.

I'm someone who has a lot of pressures to juggle. I have plenty of "triggers" and habits that have set me on a fight with my own depression, and I don't use chemicals of any sort to deal with life. Mind you: I am not a psychologist, psychiatrist, or professional counselor. I only share with you, from a layman's perspective, what I've learned.

If you are a project manager but seem to be a dime a dozen, decide if you really love managing? If so, list your top management skills. Document them in such a way that you can manage any type of project (in and outside of IT). If you are no longer passionate about managing, it's time for a change.

The opposite was true when we lived in Minnesota. When people visited during the long sub zero seasons, being outdoors for only a minute or two was just too much for them.

We're being told that we should measure our own carbon footprint as part of the war against climate change. The chances are that your footprint is much bigger than it should be because of all the leaks around your home. Be environmentally friendly and save money as well.