"Never let the future disturb you. You will meet it, if you have to, with the same weapons of reason which today arm you against the present" -- Marcus Aurelius
The author is correct; self-help books tend not to be that helpful. However, that is because self-help books never go into the "how" and only the bigger picture. I think the best types of self-help books are ones that deal with ethics and philosophy. Greek and Roman authors such as Epictetus, Seneca, Aristotle, and Marcus Aurelius are really good at explaining and answering the big questions. More importantly, they all give the "how" and the specifics that need to be done in order to improve your life.
I especially like Epictetus's idea on how to change one's habits. He states that if one wants to make a change in his life, he must realize to eliminate all past opinions and impressions. When one has a fresh mind that is open to new ideas, change can be made. Also, he explains that each time one makes a bad habit, a mental cut is made in one's brain. That cut will continue to grow and grow, until it forms a wound. Don't let that happen, says Epictetus. Think each day in every moment the change you want to make. The time is now, not tomorrow.
NuBits is as stable as the USD. 1 NuBit = 1 USD, always, meaning NuBits are pegged to USD (Though there is discussion of pegging it to a different currency one day if needed).
People who don't live in the U.S can still us NuBits, just like people who don't live in Europe, can still use Euro. NuBits just acts as a way to digitally send money to someone using a currency that is pegged to the dollar.
If you have any more questions, you can ask them at the forums, which can be found at: http://discuss.nubits.com