How many year-end goals have managed to meet? To learn a new language? Eat healthier? Exercising more or effectively? To be more productive? Well you'll be pleased to know that all the information you need is available for free -or low cost- in Internet, so in this simple manual you will find links, tips and "tricks" to get a lot out of this valuable tool, plus offer some techniques and tools that allow you organized and help you achieve each of your goals. Easy to read and with activities to keep you focused, insurance will be a good starting point. So, what do you expect?