8%. That’s the percentage of people who actually accomplish the goals that they set at the beginning of a new year. Wow. It’s obvious SOMETHING’s not working! There’s a good chance that you’re part of the 92% who starts out with good intentions but ends up...

I just threw away $75 in Borders gift cards. Before ultimately admitting defeat, I had confidently gone to barnesandnoble.com to redeem them. I recalled that B&N had taken over when Borders had gone out of business, so I assumed that they would accept my gift cards. Boy, was I wrong. Annoyed, but still determined, I did some internet research to see if anyone would accept them, or if I was in fact out of luck. The only results that seemed to surface were accounts of people who were also looking to redeem their cards, and the answer was always the same: NO. In the midst of my research, I chanced upon an article published on a financial advice site that was encouraging people to redeem their cards back when Borders was initially going out of business. The article was written in 2009. Really? I had had those gift cards on my desk for more than three years?