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Quotes that inspire and motivate

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

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

Starting A Business: a franchise is the right given to another to sell, market products, or provide services, using a proven method of operation, for a specified fee or a share of the profits that are generated by the franchise.

Social Security: If a child is getting benefits based on your work, there are important things you should know about his or her benefits. When a child reaches age 18, benefits stop with the month before the child's birthday unless........

Credit and Debt: The Fair and Accurate Credit Transactions Act, signed into law on Dec. 4, 2003, gives every American the right to a free credit report every year from each of the three major credit bureaus--Equifax, Experian, and TransUnion. What the law doesn't do is........


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What is Social Security and how does it benefit you?

Social Security is a public program designed to provide income and services when you retire, become sick or disabled, upon death and in some cases, if you become unemployed. It is based on the concept of working and paying taxes into the system. The Social Security taxes you and other workers pay are used to pay for Social Security benefits. You must work and pay taxes into Social Security in order to get benefits. Some people get benefits as a dependent or survivor on another person's Social Security record.

Eighty five cents of every dollar paid into the Social Security Trust Fund pays monthly benefits to retirees and their families and to widows, widower, and to children of workers who have died. Fifteen cents goes to a fund that pays benefits to people with disabilities and their families.

The entire amount of taxes you pay for Medicare goes to a trust fund that pays for some of the costs of hospital and related care of all Medicare beneficiaries. Medicare is administered by the Center for Medicare and Medicaid Services.

When you retire, become disabled, or if you die, you, your spouse and or dependent children will receive monthly benefits based on what you earned during your working years. Although most people think of getting the benefits after retirement, Social Security can be received at any age depending on the circumstances.

Social Security is not intended to take care of all your financial needs but is basically a package of retirement, disability and survivor protections to help maintain your standard of living. Your Social Security number is the first link with Social Security. You need it to get employment and to pay taxes. Without your Social Security number, you won't be able to pay into the program and you won't be able to collect benefits.

Social Security numbers are used to track earnings while you are working and to track your benefits once you start getting Social Security benefits. It is also links you to the IRS. The amount of your Social Security benefit is based on your date of birth, the type of benefit you apply for and your........


"People have been known to achieve more as a result of working with others than against them."
~Allan Fromme~



Stress is universal and does not discriminate.

If you think you're stressed out because you have to get up every morning to go to work, punch a time clock, and spend eight or ten hours performing tasks you don't enjoy doing, you're not alone. At some point in their lives, almost everyone will find themselves in the same situation, going to work to make a living.

But there is another side of the stress equation that, unless you've started your own business in the past, you may not think about. That is starting a business, making it operate effectively, and keeping it running profitably. Think about all the entrepreneurs who have to generate their own incomes and don't have the luxury of knowing that they are going to get a paycheck at the end of the week. Sometimes it may take years before they actually start breaking even or start making a viable profit.

Although owning and operating a successful business is the dream of entrepreneurs around the world, it is not always as glamorous as one might think, especially if the business isn't meeting income expectations. The income generated by a business is crucial for that business to survive. When monthly overhead expenses are due and if there is not enough income to pay them, a business owner can get seriously stressed out.

And there are other factors that may cause stress levels to rise. Managing employees is a big expense and a big concern. A business owner has to make sure that employees are covered by the right........



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"To be successful, you have to have your heart in your business, and your business in your heart."
~Thomas Watson, Sr.~


Makers And Takers

The Rise of Finance and the Fall of American Business
By Rana Foroohar

Eight years on from the biggest market meltdown since the Great Depression, the key lessons of the crisis of 2008 still remain unlearned—and our financial system is just as vulnerable as ever. Many of us know that our government failed to fix the banking system after the subprime mortgage crisis. But what few of us realize is how the misguided financial practices and philosophies that nearly toppled the global financial system have come to infiltrate ALL American businesses,  putting us on a collision course for another cataclysmic meltdown.

Drawing on in-depth reporting and exclusive interviews at the highest rungs of Wall Street and Washington, Time assistant managing editor and economic columnist Rana Foroohar shows how the “financialization of America” - the trend by which finance and its way of thinking have come to reign supreme - is perpetuating Wall Street's reign over Main Street, widening the gap between rich and poor, and threatening the future of the American Dream.

Policy makers get caught up in the details of regulating “Too Big To Fail” banks, but the problems in our market system go much broader and deeper than that.

Consider that:
· Thanks to 40 years of policy changes and bad decisions, only about 15 % of all the money in our market system actually ends up in the real economy – the rest stays within........




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