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Quotes that inspire and motivate

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

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

Starting A Business: If you want your business to succeed, it has to stand out in the minds of potential customers. The best way to attract attention is by branding it in a way that people automatically think of it when they need a service or products. Branding is a way of putting your company on a high level of ........


Social Security: The earliest you can start receiving Social Security retirement benefits is 62. If you delay your retirement benefits until after full retirement age, you also may be eligible for delayed retirement credits that would increase your monthly benefit. If you decide to delay your retirement, be sure to sign up for........


Credit and Debt: Credit checks are requested by banks, lenders, and other creditors to see if there are negative items in your file. The more negative items you have, the less your chances of credit will be. Creditors look for stability and reliability in an applicant. A steady source of income will receive a high score, but even more important than an ........


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Your Employee Benefits Package

It could mean the difference between long term stability or financial instability.

No matter how much money an employee makes, a benefits package is very important. When a company offers a benefits package to employees and their families, it is in the best interest of everyone involved, employees and the employers, to make sure that, not only are the best possible benefits are offered, but that the employee gets all the right information so he or she can make informed decisions.

At the time of open enrollment, the package you take will have an impact on you and your family immediately and for the long term so it may be a wise idea to take time to learn and understand all available options and if there is anything you don't fully understand, now is the time to ask questions.

It is important to know that each plan is different. Some may offer more coverage with higher costs while others may cost less while offering less........


"You can’t use up creativity. The more you use, the more you have."
~Maya Angelou~


Taxpayer Rights

You have certain rights if you are audited by the IRS.

Most people go through their entire lives without ever being audited. But there may come a day when the IRS comes a calling and you may be required to explain something on your tax returns. This is called an "an examination of tax returns" or "an audit."

Many people already feel that taxation is unfair and that they are already paying more than their fair share of taxes so they feel that an audit is just another form of harassment.

They feel that they are disrespected by the Internal Revenue Service (IRS) auditors, that the IRS agents don't treat them fairly, and an audit is designed to pressure and harass them. In the past, this may have been true, but today, things have changed somewhat.

Taxpayers have the right to be treated with respect, fairness, and with professional courtesy by........


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Definition of the week...What are Capital Gains?


"The poorest one is not the one without money, but the one without a dream."
~Don Mercer~


How GPS Is Changing Technology, Culture, and Our MindsTo Do What Your Competitors Can't
by Greg Milner

Location, Location, Location

Finding that path is precisely what journalist Greg Milner does in his remarkably engaging book Pinpoint: How GPS Is Changing Technology, Culture, and Our Minds, which takes what might seem to be a mundane subject — the Global Positioning System — and uses it to tell an intricate story about the relationship between technology, the economy, and human ability. GPS, like many other technologies we use today, was built by the U.S. Defense Department. It was conceived as a tool to make military targeting, and in particular bombing, more effective and efficient. In Milner’s words, GPS was invented by those who wanted to “bring death from above.” The U.S. government maintains GPS to this day, which means that, as Milner writes, “when an ISIS terrorist gets a GPS reading, the process is enabled by the United States military.”

GPS was released for civilian use in the 1980s (the U.S. government originally maintained two versions of the system, with civilians using a more degraded and less accurate version, but the distinction was erased in 2000). But it wasn’t until the emergence of the Internet and widespread mobile connectivity that the true value of GPS emerged. Nowadays, it allows companies such as UPS and FedEx to route packages far more efficiently; enables planes to land more safely; abets precision agriculture, in which automated tractors are able to perfectly till, sow, and harvest fields; places personal navigation systems in cars; and facilitates the tracking of criminals and terrorists. And now, with Pokémon Go, it allows people to chase virtual creatures through the real world, in the most vivid example yet of augmented reality.

As Milner shows, though, the same things that make GPS so enormously valuable also make it dangerous. Because the state can track criminals and terrorists, it can also track any citizen with a smartphone. Our reliance on GPS makes us vulnerable to anything that could disrupt the........



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