Mark Skousen

Bill Gates and Warren Buffett have their 'Giving Pledge,' where billionaires promise to give away the majority of their wealth when they die. My Social Security Pledge is better - to give money to good causes when you are alive. Besides, more Americans can participate.

When you feel the need to moan and groan, laugh with woeful recognition and eat flaky pastries. If you hear yourself taking the art of complaining a little too seriously, ask yourself what you're trying to accomplish, exactly.

A wise woman recognizes when her life is out of balance and summons the courage to act to correct it, she knows the meaning of true generosity, happiness is the reward for a life lived in harmony, with a courage and grace.