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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: The most important aspect of any successful business is cultivating and maintaining customer loyalty. When customers feel that service is good and their business is appreciated, they will come back........

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 Goes All Electronic: Federal benefits now paid by direct deposit or prepaid debit card. Paying benefits electronically is safer, faster, and more........

Credit and Debt: It is very important to pay attention to what is happening with your money because if you don't, you may end up with financial problems such as........


Book of the Month




Your Financial Health

Your savings and investments retirement plan should be your number one priority.

The most important question in planning for the future is where you will be financially during your retirement years. You see it often! Many people work hard their entire lives and retire with no more than social security payments and a small retirement check. They worked so hard for so many years to prepare for their future just to end up living their senior years below, or right at, the national poverty level.

We all know know the importance of saving for our futures. We invest in stock, buy mutual funds, invest in 401k plans, and purchase homes and other property. But this is where a lot of us fail. It has become the thing to do to borrow money on our homes and 401k plans, spend our savings, and live beyond our means instead of leaving our investments where we originally meant them to be.

Our lifestyles have become so intertwined with what we see on television and in the movies that we can't function without being told what to do, how to act, what to buy, and how to live. In recent years, we have been told to spend, spend, spend because we had the money and it will help the economy. In reality, spending our life savings and depleting our investments may have stimulated the economy for a while, but it left a lot of us broke and with very little retirement income.

What should a young person do today? A young person should be taught to start investing at an early age. They should be taught to nurture their investments so they can grow strong and bountiful, and they should watch them carefully at all times for any signs of trouble. Your savings and investments should be your number one priority. They should not be used as........


"There are far, far better things ahead than any we leave behind."
~C.S. Lewis~


Social Security

Some Important Facts About Medicaid

Although medicaid may be a big help if you, or your spouse, becomes ill and require long term care in a nursing home or other facility, it could also become a nightmare as far as your assets are concerned.

Neither your health care insurance or medicare may be there to pay the day to day costs of nursing home care. You are responsible for paying the nursing home bills yourself and unless you are wealthy and can afford the costs, your assets may be taken to cover the costs of the care.

Medicaid is designed to help those who cannot afford to pay for nursing home care, so if you have assets, such as a home, savings accounts, stocks and bonds, CD's, IRA's, mutual funds, and whole life insurance policies, they may be taken to pay the costs that are incurred.

Other assets that could be taken include cars, vacation homes, social security checks, pension checks, and you may lose your personal home and other assets to help pay for your nursing home healthcare expenses.

According to certain federal laws, if one spouse needs extended nursing home care, one half of all combined assets may have to be surrendered and depending on the extent of the nursing home stay, sometimes more than half may be taken.

Unless you are wealthy and can afford nursing home insurance, which is very expensive, you may be surprised to see your hard earned life savings taken from you to pay unexpected........


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Definition of the week...What is a Good Faith Estimate?


The National Basketball Association (NBA)

The National Basketball Association (NBA) is a professional basketball league with franchises located in major metropolitan areas in the United States and Canada. During preseason, games are sometimes played in cities outside North America.

Today, there are 30 teams in the NBA which is divided into two conferences, the east and the west. Each conference has three divisions and each division has........


"Have no fear of perfection. You'll never reach it."
~Salvador Dali~


The Gender Impact
of Social Security Reform

The looming social security crisis is especially dire for women....
by Estelle James, Alejandra Cox Edwards and Rebeca Wongy Robert Allen

As populations age and revenues diminish, government and private pension funds around the world are facing insolvency. The looming social security crisis is especially dire for women, who live longer than men but have worked less in the formal labor force.

This groundbreaking study examines alternative social security systems and their disparate impacts on men and women. Emphasis is placed on the new multi-pillar systems that combine a publicly managed benefit and a mandatory private retirement saving plan.

The Gender Impact of Social Security Reform compares the gendered outcomes of social security systems in Chile, Argentina, and Mexico, and presents empirical findings from Eastern and Central European transition economies as well as several OECD countries.

Women’s positions have improved relative to men in countries where joint pensions have been required, widows who have worked can keep the joint pension in addition to their own benefit, the public benefit has been targeted toward low earners, and women’s retirement age has been raised to........



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