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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: When you think positive about your business plans, which includes your short and long term goals and aspirations, you give yourself a powerful boost in terms of self confidence and morale. Positive thinking also influences, in a good way, the people........


Social Security: If you are receiving widow's or widower's benefits, you can switch to your own retirement benefits as early as age 62, assuming your retirement benefit is more than the amount you receive on your deceased........


Credit and Debt: How long does payment history stay on your credit report? Positive information stays on your credit report forever. Negative information stays on your credit report for 7 to 10 years from the original delinquency date. After 7 to 10 years, negative........


Book of the Month





Emergency Funds

An emergency fund is money set aside to cover unexpected costs due to unforeseen events.

Emergencies can happen at any time and usually pop up when you least expect them. They often occur when you are not prepared to handle them. Most emergencies happen without warning, quickly take over your life and leave you in a state of shock.

The problem is that most people don't worry about emergencies until they happen and then they find themselves in a financial bind.

Emergencies can ruin you financially by causing you to drain your bank accounts. They can cause you to max out your credit cards. They can force you to take out unwanted loans on your home or other property. They can cause you to have to borrow from friends or family. They can force you to raise cash by pawning or selling your valuables.

Although emergencies can be devastating, if you prepare for them, the blows may not hurt as much, especially if you........


"Put off for one day, and ten days will pass."
~Korean Proverb~


Social Security

What are Survivor Benefits?

Under the Social Security program, Survivors Benefits are payable to the family of a worker who has died. This is based on the premise that the worker has earned enough credit while he was working.

Who are entitled to Social Security Survivor's Benefits?

(1) Widows and widowers who are sixty or older.

(2) A widow or widower who is fifty or older and disabled.

(3) A widow or widower who is of any age caring for a child under sixteen years of age or a disabled child who is disabled and receiving Social Security benefits.

(4) Children under eighteen if they are not married.

(5) Children under nineteen who are in elementary or secondary........

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Definition of the week...What is Overdraft Protection?


"Ideas are funny things. They don't work unless you do."
~Anonymous Author~



How the Best Leaders Make Everyone Smarter
by Liz Wiseman

A revised and updated edition of the acclaimed Wall Street Journal bestseller that explores why some leaders drain capability and intelligence from their teams while others amplify it to produce better results.

We’ve all had experience with two dramatically different types of leaders. The first type drains intelligence, energy, and capability from the people around them and always needs to be the smartest person in the room. These are the idea killers, the energy sappers, the diminishers of talent and commitment. On the other side of the spectrum are leaders who use their intelligence to amplify the smarts and capabilities of the people around them. When these leaders walk into a room, light bulbs go off over people’s heads; ideas flow and problems get solved. These are the leaders who inspire employees to stretch themselves to deliver results that surpass expectations. These are the Multipliers. And the world needs more of them, especially now when leaders are expected to do more with less.

In this engaging and highly practical book, leadership expert Liz Wiseman explores these two leadership styles, persuasively showing how Multipliers can have a resoundingly positive and profitable effect on organizations—getting more done with........



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