Book excerpt: There are only two times in life ¿ NOW & TOO LATE! is a dynamic self-help/motivational book aimed at helping people realise that each day we have on this planet should be seized. If you have the desire to change some part of your life, or your whole life, but just don't know where to start or worse, how to start, Terry Hawkins has the answer. In this book, you will learn why your past can't hurt you, how you can move forward with the right attitude, learn why perception is projection, learn how to live out of the pit that people so often find themselves in, and learn how to create or delete any behaviour that works or doesn't work for you. The brilliance of her simplistic message has people spellbound while they discover their way into a life destined for fulfilment, achievement and clarity.