How do you normally spend your lunch hour? Wait, let’s back up a bit: do you even take a lunch hour? A lot of us end up grabbing a sandwich at our desks, checking emails or maybe surfing the net a bit during our lunch break. Often, the best-case scenario sees us in a staff canteen or at a local sandwich shop with friends.

Tony Robbins is an infamous American self-help author and one of the top motivational speakers in the world. His bestselling books include Unlimited Power and my personal favorite Awaken the Giant Within.

After spending 25 years in the FBI as a special agent in the area of counterintelligence (catching spies), you learn a thing or two about dealing with people. You learn that what motivates people is not your words but your body language. You can't get someone to trust you just because you say so, you have to demonstrate it.

Welcome to Dumb Little Man. We provide tips that will save you money, increase your productivity, or simply keep you sane.

Your credit score is probably the single most important number in your financial life. Sadly, it's become one of the only ways businesses can judge the creditworthiness of a person. Use of your credit report has infiltrated areas we never thought it would - from job applications to insurance premiums.I recently learned the impact credit score has on interest rates after finding out a single point could cost you thousands of dollars in interest payments on a mortgage.

Being Canadian, it’s hard not to beam at the thought that we are about to host the XXI (21st) Winter Olympic games in Whistler, British Columbia.I have always loved watching the Olympics because I get a little rush watching humans surpass their own perceived limitations and achieve accomplishments that seemed impossible.

Being frugal and happy on February 14th can be easy, creative and fun when you plan ahead. Just because today is the 11th, doesn't mean that your only option this late in the game is the old standby of flowers.This is your opportunity to declare your love and pinch pennies with a touch of class. Enjoy yourself. It’s all about love, not the amount of money you throw at a gift. Tell everyone!Create an Experience

I used to be a very shy person. Whenever I was around other people I would stress out. When in the company of more than one person, I was generally very quiet, and speaking to a group of even two or three friends was a difficult thing for me to do. But I overcame this painful shyness – not necessarily very consciously, but now that I look back over the past decade or so, I can see that certain things I did having really made a difference.

We are taught that failure should always be avoided. It casts a dark shadow that can suffocate our spirit. After all, winning is better than losing right?When we experience failure, our sense of self-worth is damaged and our confidence takes a debilitating hit. Whether failure occurs in a marriage, in your career, or perhaps with your finances, it is discouraging and can keep us from taking advantage of the next opportunity when it occurs.

We've been conditioned to think small, simplify, not to be greedy, and to overall expect less and demand less from life. We’ve been taught that we should be happy and thankful with what we have and that there are many others less fortunate than ourselves.