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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: Instead of starting a business from scratch, there are those who actively look for opportunities to purchase existing businesses that are already up and running. The purhase may be relatively simple or it may.......

Grants For College:
Getting a college education is very expensive. Click here for a list of grants that can help you pay your tuition costs.

Social Security: Marriage, divorce, annulment, adoption, naturalization, name change, citizenship, birth records, etc., are all things that may have an effect on your Social Security benefits........

Credit and Debt: Credit cards are very useful in todays' fast paced economy because they can be used for purchases when cash is not readily available, for emergencies, or........


Book of the Month




Will You Have Enough Income To Retire Comfortably?

There are ways you can help boost your retirement income.

As the baby boomer generation begin reaching retire age, many are coming to the realization that more income is needed if they hope to live the lifestyles they want when they stop working. Their pensions, Social Security, and their other income producing investments are falling short of the total revenue needed to create and maintain the way of life they envision for themselves after they retire.

This is a real concern for many baby boomers. If you are near retirement age, there are some things you can do to boost your retirement income and help insure that your standard of living will remain safe and secure as you grow into your senior years.

You may start by putting off retiring for a few years.  This helps in more ways than one.  The longer you work, the more you will add to your retirement income and it also increases the dollar amount in your Social Security fund account.

You can delay collecting your Social Security benefits.  For each year you delay, your benefits will increase by at least 8 percent per year until you reach 70.  Instead of collecting at age 62, wait until the full retirement age of 66. The increase will increase your monthly benefit payments by at least 32 percent. 

If you’ve already started collecting Social Security benefits, you can go back to work.  Remember, if you earn more than $15,120.00 per year, you will have to pay $1 to the Social Security Administration for every $2 you earn. When you reach full retirement age, the Social Security Administration will recalculate your benefits to include the money you didn’t get while working and you could end up collecting close to your maximum monthly payments.

You may think about relocating to an area that has a lower cost of living index.  Some states are more affordable than others and so are some cities.  This is also true for certain countries.  But before you relocate, do your homework.  Investigate state and local taxes, housing prices, transportation, the cost of food, utilities, entertainment, and most importantly, property taxes.  Note:  In some states, counties, and cities, property taxes are very high so you should get an idea of the costs before moving there.

There are other things that you can do to help you make the transition from working to retirement. They include........


"Kindness is the language which the deaf can hear and the blind can see."
~Mark Twain~


Emergency Funds

An emergency fund is money set aside to cover unexpected costs due to unforseen events.

Emergencies can happen at any time and usually pop up when you least expect them. They often occur when you are not prepared to handle them. Most emergencies happen without warning, quickly take over your life and leave you in a state of shock.

The problem is that most people don't worry about emergencies until they happen and then they find themselves in a financial bind.

Emergencies can ruin you financially by causing you to drain your bank accounts. They can cause you to max out your credit cards. They can force you to take out unwanted loans on your home or other property. They can cause you to have to borrow from friends or family. They can force you to raise cash by pawning or selling your valuables.

Emergencies can be devastating, but if you prepare for them before they happen, the blows may not hurt as much, especially if you have an emergency fund set aside for such unexpected events.

Most people think of emergencies as a death in the family, a bad car accident, or an unexpected illness. But emergencies can encompass almost anything. Your car may break down, the water line in your home may burst due to cold weather, or a relative may die who doesn't have life insurance and you may be asked to........


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Definition of the week...What is a Public Defender?


"One way to keep momentum going is to have constantly greater goals."
~Michael Korda~


A Beginner's Guide to Investing

How to Grow Your Money the Smart and Easy Way
By Alex Frey and Ivy Bytes


Whether you're a complete investing novice or just confused about all the contradictory advice out there, A Beginner's Guide to Investing is an accessible guide to growing your money the smart and easy way.

Throw away the get-rich quick schemes that never work and turn off the financial news and it's constant noise. Whether your dream is protecting your assets in a turbulent market or growing your wealth so that you can retire in style, this book is the blueprint.

You can be a successful investor - really.

Join Ivy Bytes, an innovative start-up dedicated to creating accessible content on crucial issues, and Alex Frey, a lifelong investor and Harvard MBA, as they show you:

- How you can realistically expect to double your money every 7-10 years

- Why most investors achieve stunningly poor returns on their money - and how to avoid........





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