The past three years had ushered in many major changes in my own life that required the necessary adjustments. Intellectually, we all know that change is a normal part of life and yet it is so much easier for us to walk the same path. Whether the changes in our lives are coming by our own decisions or circumstances the result is the same: adjustments must be made. Sometimes we know what steps must be taken, what habits must be broken and what new habits must be acquired. Sometimes we need guidance in maintaining the changes we are making and others we need help in planning the new steps. I'm happy to report that although semi-retired and out of the city, I'm back on the web, once again here to help you make the necessary adjustments in your lives.