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A list of holidays, events, and special dates 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: Most successful business people didn't get where they are because they are smarter than you or me. They got their success due to the fact that they were willing to gamble on........

Grants For College:
Getting a college education has become very expensive. Click here for a list of grants that can help you pay your tuition costs.

Social Security: The Social Security program was signed into law by President Franklin D. Roosevelt in 1935 as a means to provide supplemental security income and survivors insurance.  It is a social program that........

Credit and Debt: Credit cards have become the debt of choice for many people.  It is estimated that the average household in the United States owe $15,000 or more in credit card debt.......


Book of the Month




Holiday Shopping

The holiday shopping season often defines whether a business survives the rest of the year.

The holiday shopping season can either make or break retailers because many companies make anywhere from a half to two thirds of their yearly profits between Thanksgiving and Christmas and on into the first week of the new year. This makes the holiday shopping season a very important part of the overall health of the economy. The amount of profits made during this period may determine whether or not a company is able to survive into the following year.

The holiday shopping season is also good for the job market because many new employment opportunities are created during this time. Seasonal employment help many people put extra money in their pockets which, in turn, is spent and re-circulated back in to the economy. On top of that, if sales are brisk and retailers make enough profits, it could mean full time employment opportunities for some of the workers.

How do retailers get people to spend their money in their establishments? Most retailers, big and small, find it prudent to offer big sales and discounts during the days leading up to Christmas. The closer it gets to Christmas, the more the competition heats up. In order to effectively compete, a retailer has to understand his market and more than that, he or she has to study and understand the competition.

The dollar value of the sales is what entices people to come in and shop. If shoppers don't feel good about the sales prices that are being offered, they will shop elsewhere for better bargains. As a retailer, the best way to sell products is to keep shoppers in the store as long as possible. Once the shopper leaves, so does the opportunity to sell more of your merchandise.

During this time of year, sales on certain merchandise can cause a shopper to buy something that he or she can't afford at the regular price. The shopper may decide to buy the sales item as a gift for him or herself or........


"Work at your job and make a living, work on yourself and make a fortune."
~Jim Rohn~



Most people, especially those who accumulate assets, live most of their lives in debt.

Debt is an obligation to repay money or other assets that have been borrowed, but debt doesn’t always have to be money owed.  It may be payment owed for goods that have already been delivered, or for the payment of services that have already been performed.  The debt is usually the principal amount that is owed but there may also be other charges added such as taxes, interest, insurance, and late fees.    

Debt is usually created in agreement between two or more parties and is normally slated to be paid back at a later time or date.  The person doing the lending is called the creditor or lender and the person receiving the loan, goods, or services is called the debtor.  Debt may range in amounts from as little as a few dollars to millions or more depending on who is doing the borrowing and who is doing the lending.

Usually, when a person takes on debt, he or she and the creditor enters into an agreement in which money or other items of value exchanges hands and arrangements are made for the debt to be repaid.  There are usually contracts, written or verbal, that are expected to be fulfilled.  The severity of the contract depends largely on the circumstances surrounding the agreement made between parties involved.

Most people, especially those who accumulate assets, live most of their lives in debt.  A mortgage for a home, farm, ranch, rental property, or other........


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Definition of the week...What is a Homestead?


The National Football League (NFL)

The National Football League (NFL) is an organization that is made up of individuals and corporations that own and operate professional football franchises (teams) in major metropolitan areas in the United States.

Today, there are 32 teams in the National Football League. They are equally divided between the National Football Conference (NFC) and the American Football Conference (AFC).


"You can’t get rid of a bad habit, but you can replace it with a good habit."
~Mehmet Oz~


Top Ten Distinctions
Between Millionaires and The Middle Class

What you believe about money has everything to do with how much money you will make.
by Keith Cameron Smith

If you’re ready to take the journey to wealth and personal fulfillment, here’s your ticket. In this life-changing little book, entrepreneur and inspirational speaker Keith Cameron Smith shows you how to think like a millionaire and reap the benefits of a millionaire mindset. The key to moving beyond the middle class and up the economic ladder is mastering ten vital principles, including

• Millionaires think long-term. The middle class thinks short-term. Create a clear vision of the life you desire, and focus on it.
• Millionaires talk about ideas. The middle class talks about things and other people. Ask some positive “what if” questions every day, and bounce ideas off successful people who will be honest with you.
• Millionaires work for profits. The middle class works for wages. Take calculated risks and learn to take advantage of good opportunities.

We all want to improve our financial position. In this inspirational and practical guide filled with savvy and sensible advice, Smith upgrades you from coach to first class. So follow these principles, transform your life, and..........


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