A personal master plan is much more than investment counseling or life insurance. It anticipates success rather than loss and plans for continued growth -- growth in skills necessary for prosperity and growth in realizing your own full potential.

One way to let go of resistance is to allow yourself to have imperfections. This means that, while you're dreaming your dreams, you welcome the parts of your life that aren't there yet.

How will I be remembered by those who knew me? What will my legacy be? When asking yourself those questions, do you like the answers?

Accountability is not just keeping commitments. Accountability is taking action consistent with your desired outcome. It begins with defining the kind of results you want to achieve in your life at home and at work.

In doing the research and diving into the many books regarding personal change, I've recognized that writing down our story (and the way we want to see it) is the perfect platform to revise our personal story so that we can change our lives.

We must take time for ourselves at the start of our day. This time will enable us to center ourselves and channel our focus. My morning routine consists of the following activities that give me a peaceful start to the day.

Today, your challenge is to ask yourself if you want to lead a life with no change and no excitement, or do you want to take the chance to find some excitement and exhilaration and really live? Do you want to look back on your life and have regrets for not living to your full potential?

As a psychologist who studies motivation, I spend a lot of time trying to figure out why people give up too soon when trying to reach a goal. But the truth is, a lot of us suffer from the opposite problem: not knowing when, or how, to quit.

Real change can be hard to come by, and it's tempting to want to start lowering expectations, or throw in the towel on your goal completely. But don't despair, because it's not too late to push the reset button and try tackling those goals again.

The important thing to do is in the conception of the goal. How you define what you want to achieve will determine whether you are stacking the odds against you or with you before you even begin.

"Why should I question myself?" You might wonder. The answer to that question is found in the question itself. The fact that one is able to question one's self indicates that there is more to awareness than incessant thought, as many assume.

You absolutely deserve to live the greatest year of your life in 2012, so don't let temporary blips get in your way.