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Quotes that inspire and motivate

A list of holidays, events, and special dates in the month of December.

Scholarships For College Tuition: Click here for a list of scholarships that are offered in your state.

Starting A Business: The one thing that can bring a business to it's knees very quickly is the lack of net profits. A positive cash flow is crucial to all businesses, large or small, because without it, there is little room for any type of misstep. A business needs to have a ........


Social Security: Your Social Security Number plays an important part in your life from the day you are born until the day you pass away. It is the bridge that connects almost everything in your life from your employment history, medical history, retirement, and Social Security benefits...........


Credit and Debt: Credit counseling agencies are third-party companies that negotiate better interest rates for your current debts and take over your bill-paying process. You send them biweekly or monthly payments, and they distribute these funds to each of your creditors.......


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Are You Ready To Apply For Your
Social Security Benefits?

An Excerpt from the Social Security Administration Pamphlet "Understanding The Benefits"

Contact your local Social Security Administration office when you are ready to file for benefits. If you are just thinking about filing for retirement benefits, you should talk with a Social Security representative a few months before the year you plan to retire. To file for disability or survivors benefits, you should apply as soon as you are eligible.

You can also apply for benefits on the Social Security website. Go to www.socialsecurity.gov and click on "Apply for retirement benefits." You also can calculate your benefit amount at www.socialsecurity.gov/planners.

What you will need to apply: When you apply for benefits, you will need to provide certain documents. The documents will depend on the type of benefits you are filing for. Providing these documents quickly will help get payments of your benefits to you faster. You must submit original documents or copies certified by........


"It is not strange to mistake change for progress."
~Millard Filmore~



What are the odds of getting rich by gambling with your hard earned money?

Most people have dreams of getting rich, living comfortably, and not having to worry about how they are going to pay their bills, but for most of them, it’s no more than a dream. They get up and go to work every day to earn a modest living. 

After a while, you grow to learn that getting rich is not going to happen overnight unless you win the lottery, and the odds of that happening are slim to none, maybe one in a million or more.

Yet, there are still some who believe that they can get rich quick and get involved in every get rich quick scheme that comes along.  They play lottery games, get involved in pyramid schemes, bet on sporting events, frequent casinos, play the horses, and invest in the latest fads in hopes of hitting it big.

Get rich quick schemes are everywhere. They are offered in ways to get you excited, but honestly, they don't usually pay off big.  They are not solid investments and most people who get involved........


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Definition of the week...What is a Net Profit Margin?


"Minds are like parachutes; they work best when open."
~Lord Thomas Dewar~


Why Didn't They Teach Me This In School

99 Personal Money Management Principles to Live By
by Cary Siegal

Bestselling 5 Star Graduation Gift for both College and High School grads! Why do high schools and colleges require students to take courses in English, math and science, yet have absolutely no requirements for students to learn about personal money management?

Why Didn't They Teach Me This in School? 99 Personal Money Management Lessons to Live By was initially developed by the author to pass on to his five children as they entered adulthood. As it developed, the author realized that personal money management skills were rarely taught in high schools, colleges and even in MBA programs.

Unfortunately, books on the subject tend to be complicated, lengthy reads. The book includes eight important lessons focusing on 99 principles that will quickly and memorably enhance any individual's money management acumen.

Unlike many of the personal money management books out there, this book is a quick, easily digested read that focuses more on the........


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