By - Dr. Charlene Bolton

NL # 38 – Time. Habits. Return on Investment (ROI).

Thought #1 – Time. Spend your time wisely because once it’s gone you can’t get it back.  But time used effectively, will help you achieve the success you want.  Thought #2 – Habits. Habits can be good or bad; it all depends on what they produce in your life. But they just don’t show up, they