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Quotes that inspire and motivate

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

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

Starting A Business: Most business failures happen within the first few years of operation. The truth is, many things could go wrong: an ill-conceived business idea, poor planning, lack of capital, ineffective leadership, and more. In the high stakes world of running a business, those are the.......


Social Security: Women rely more on income from Social Security than men do. For more than one in four women 65 and older (26 percent), Social Security is virtually the only source of income (90 percent or more). Fewer than one in five men (19 percent) rely on Social Security for 90 percent or more of........


Credit and Debt: As far as credit is concerned, your reputation as a borrower is directly linked to your credit history which is determined by information given to and disseminated by credit reporting agencies or bureaus. This is done by use of a credit report that keep tabs on your........


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Living Trust

There are big differences between a living trust and a will.

A Living Trust is a legal instrument set up to transfer your property out of your name and into a trust during your lifetime. You are the grantor and you can spell out exactly how you want your assets dispersed to your heirs or dependents.

The big difference between a living trust and a will is that with a living trust, your assets will not have to be probated in court when you die as they would have to be in a will.

A living trust negates the time consuming process and the legal and court costs associated with will. In the living trust, your named trustee has the role of carrying out your instructions when you die and can also be named to manage your healthcare and other affairs if you become incapacitated.

There are different types of living trusts. The most widely used is the revocable living trust, which leaves you in control of your assets through the life of the trust or until you die. A revocable living trust is called "revocable" because it is set up during your lifetime and you can........


"A wise man can see more from the bottom of a well than a fool can from a mountain top."
~Author Unknown~


Social Security

Information about making changes to your Social Security record.

To change the information on your Social Security number record (i.e., a name or citizenship change, or corrected date of birth) you must provide documents to prove your identity, support the requested change, and establish the reason for the change.

For example, you may provide a birth certificate to show your correct date of birth. A document supporting a name change must be recent and identify you by both your old and new names.

If the name change event occurred over two years ago or if the name change document does not have enough information to prove your identity, you must also provide documents to prove your identity in your prior name and/or in some cases your new legal name. If you were born outside the........


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Definition of the week..What is Group Insurance?


"Courage is what it takes to stand up and speak; courage is also what it takes to sit down and listen."
~Winston Churchill~


Elon Musk

Inventing The Future
by Ashlee Vance

In the spirit of Steve Jobs and Moneyball, Elon Musk is both an illuminating and authorized look at the extraordinary life of one of Silicon Valley’s most exciting, unpredictable, and ambitious entrepreneurs, Elon Musk—a real-life Tony Stark—and a fascinating exploration of the renewal of American invention and its new “makers”

Elon Musk spotlights the technology and vision of Elon Musk, the renowned entrepreneur and innovator behind SpaceX, Tesla, and SolarCity, who sold one of his internet companies, PayPal, for $1.5 billion.

Ashlee Vance captures the full spectacle and arc of the genius’s life and work, from his tumultuous upbringing in South Africa and flight to the United States to his dramatic technical innovations and entrepreneurial pursuits.

Vance uses Musk’s story to explore one of the pressing questions of our age: can the nation of inventors and creators who led the modern world for a century still compete in an age of fierce global competition?

He argues that Musk—one of the most unusual and striking figures in American business history—is a contemporary, visionary amalgam of legendary inventors and industrialists including Thomas Edison, Henry Ford, Howard Hughes, and Steve Jobs. More than any other entrepreneur today, Musk has........



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