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Quotes: A list of quotes that are intended to help inspire you, motivate you, and help you create a positive outlook in your life.

Holidays: A list of holidays, events, and special dates that take place in the month of December.

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

Starting A Business: Like any audit, a diligence process is designed to answer the important questions, and ensure with reasonable assurance that the seller's claims about the business are fair and legitimate....

Social Security: 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......

Credit and Debt: A store-specific credit card is a credit card that is only valid at the store that gave it to you. For example, if you have a Target credit card, you can only use the card at Target stores. Store- specific credit cards usually have........


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Social Security Benefits

You are allowed to work and still receive Social Security benefits if your additional income does not exceed certain limits.

If You Work And Get Benefits: You can continue to work and still receive retirement benefits. Your earnings in (or after) the month your reach full retirement age will not reduce your Social Security benefits. However, your benefits will be reduced if your earnings exceed certain limits for the month before you reach your full retirement age.

If you work but start receiving benefits before full retirement age, $1 in benefits will be deducted for each $2 in earnings you have above the annual limit. In the year you reach your full retirement age, your benefits will be reduced $1 for every $3 you earn over a different annual limit until the month you reach full retirement age.

Once you reach full retirement age, you can keep working and your Social Security benefits will not be reduced no matter how much........


"Preparation for old age should begin not later than one's teens. A life which is empty of purpose until 65 will not suddenly become filled on retirement."
~Dwight L. Moody~



During the holiday season, billions of dollars are spent on precious metals, gemstones, and all types of jewelry.

High value jewelry is usually made from precious metals and gemstones, while less valuable objects, known as costume jewelry, can be mass-produced from other, more easily accessible and cheaper materials. Throughout history, the manufacture of jewelry has played an important role in the development of cultures, political and religious structures, and local and worldwide trade.

In most countries, precious and simi precious metals, such as gold, platinum, and silver, and diamonds, emeralds, rubies and other gemstones are used as monetary standards making the value of such objects rise and fall with market conditions.

Today, most people in the world own and wear jewelry, whether it is made of gold, silver, diamonds, pearls, or some other cheaper ornate materials. Old, rare, antique jewelry is one of the most sought after commodities today and is prized by both professional collectors, dealers, and entrepreneurs, as well as those who........


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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 Insurance?


"You have to be reasonable with yourself and not feel guilty when things aren't perfect."
~Jaclyn Smith~


All You Need To Know About The Music Business

Up to date on new business models including music streaming services
~by Donald Passman~

“The industry bible” (Los Angeles Times), now updated, essential for anyone in the music business—musicians, songwriters, lawyers, agents, promoters, publishers, executives, and managers—trying to navigate the rapid transformation of the industry.

For more than twenty years, All You Need to Know About the Music Business has been universally regarded as the definitive guide to the music industry. Now in its ninth edition, this latest edition leads novices and experts alike through the crucial, up-to-the-minute information on the industry’s major changes in response to today’s rapid technological advances and uncertain economy.

Whether you are—or aspire to be—a performer, writer, or executive, veteran music lawyer Donald Passman’s comprehensive guide is an indispensable tool. He offers timely, authoritative information from how to select and hire a winning team of advisors and structure their commissions and fees; navigate the ins and outs of record deals, songwriting, publishing, and copyrights; maximize concert, touring, and merchandising deals; understand the digital streaming services; and how to take a comprehensive look at........





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