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Quotes that inspire and motivate

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

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

Starting a business: Every business needs to be based on a solid idea, aimed at a profitable market or niche, and have solid operating systems in place. The legal and.........

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: Social Security has had a positive impact on the lives of millions of Americans since the Social Security Act was signed into law in 1935. Without the income and other services that Social Security provides, many children, seniors, and disabled people would........

Credit and Debt: To elimimate debt, you must first get a handle on your spending habits. Make sure that you are aware of the balances on all of your credit cards and........


Book of the Month




Your Home And Garden

Your home is your castle and it should be treated as such.

Whether you are buying or renting your home, it should show pride of ownership. A nice curb appeal is a must for homeowners because the first thing a person sees when they pass or visit your home is the view they will remember.

The types of grasses, flowers, and trees in a yard can make it stand out like nothing else and a well manicured lawn and flower bed will catch the eye of anyone who happens to be driving down your street.

Not only does a beautifully landscaped yard do wonders for a home, it also makes the neighborhood look better. If everyone would take pride of ownership in their dwellings, homeowners and tenants alike, especially the exterior regions, it would make every neighborhood special.

You don't have to spend a fortune landscaping your home to make it beautiful. Time is the key. Most people buy only one, maybe two homes in their lifetimes. So when you buy a home, you know that you are going to be there for many years. This means that you will have plenty of time to work on your yard and flower gardens.

More than likely, when you move into a home, there will already be some landscaping in place that you may or may not like. All you have to do is add to it, subtract from it, or both. Some people dig everything up and start anew.

Gardening is not hard work if you go about it the right way. Sometimes, if the soil is hard and hasn't been cultivate in a while, it may be hard to turn. But there are inexpensive tool that you can buy to make the work quick and easy like shovels, hoes, and rakes.

There are those who can afford to hire professional landscapers to put in the right plants and make the yard look beautiful, but........


"Courage doesn't always roar. Sometimes courage is the quiet voice at the end of the day, saying, 'I will try again tomorrow.'"
~Mary Anne Radmacher~


Credit Problems

Are you behind on your bills? Are your creditors calling you night and day?

Credit problems have become a way of life for many people who can't seem to get back on track after accumulating what appears to be an insurmountable and ever growing burden of debt.

Lifestyles are affected during periods when the economy goes into a recession, while food, clothing, gas, transportation, and other necessities rise in price due to inflation at the same time. The burden of debt gets heavier while the debtors, no matter how hard they try, can't seem to make progress in paying down bills and reestablishing good credit.

Creditors, who have rights by law to collect on the debts, often feel that calling and harassing people, everyday, at any hour, is the right way to go about making the debtor uncomfortable enough to pay up.

Although there have been laws passed to regulate the times in which creditors can call you, some of the more adamant creditors put the debtor's telephone number on automatic dial up, and the calls are spaced during the day at set intervals, even on Saturday and Sunday.

The phone starts ringing early in the morning, the earliest possible begin time allowed by law, until late in the evening, the latest evening end time that the law allows.

What many creditors don't seem to understand is that most people will eventually pay their debts, but getting all the telephone calls pushes them into a position, mentally and physically, where they either get fed up and angry, and refuse to pay, or they just quit answering the phone, especially now that the........


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Money saving tip of the week...

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Books make excellent gifts...

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Definition of the week...What is a Revocable Living Trust?


"I've learned in my life that it's important to be able to step outside your comfort zone and be challenged with something you're not familiar or accustomed to. That challenge will allow you to see what you can do."
~J.R. Martinez~


Retire Inspired

It's Not an Age. It's a Financial Number
By Chris Hogan


When you hear the word retirement, you probably don't imagine yourself scrambling to pay your bills in your golden years. But for too many Americans, that's the fate that awaits unless they take steps now to plan for the future.

Whether you’re twenty-five and starting your first job or fifty-five and watching the career clock start to wind down, today is the day to get serious about your retirement.

In Retire Inspired, Chris Hogan teaches that retirement isn’t an age; it’s a financial number—an amount you need to live the life in retirement that you’ve always dreamed of. With clear investing concepts and strategies, Chris will educate and empower you to make your own investing decisions, set reasonable expectations for........



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