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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.

Finance Topic of the Month: If you decide to refinance your home, shop around for the best interest rates and fees. All lenders are different so........

Investing Wisely: Under 401(k) plans, laws govern the withdrawal of funds from the elective deferrals account. An employee is penalized for withdrawing funds unless........

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: When most people think about Social Security benefits, what comes to mind is the elderly and the disabled, but there is........

Credit and Debt: A little debt can be a good thing, but if not controlled, it can turn your life into........


Book of the Month




Is Now A Good Time To Buy A Home?

If you've been putting off buying a home, this may be a good time for you to start looking.

Many people have put off buying a home in recent years because they have been worried about the state of the economy and a tightening of lending regulations. Some are simply waiting for news that it is safe to get buy a home while others are still waiting for home prices and interest rates to drop even more than what they are now.

Whatever the reasons you have for putting off buying a home, if you can afford it right now, it is definitely a buyers market because home prices have fallen over the past few years and interest rates are at the lowest they have been in a long time, but that is slowly changing.

As the economy picks up steam, employment numbers rise, the stock market rebounds, and people start feeling good about the housing market, it will create a situation in which there will be more buyers and a lower inventory of homes for sale.

As the pool of home buyers grow, the housing market is sure to tighten up and it will slowly become a sellers market again, which in turn will drive housing prices up and send interest rates higher. If you wait too long to get into the housing market, you may find yourself competing in a market where there are fewer homes to choose from.

People are starting to take a serious look at the real estate market with dreams of making a move. This includes people who already own a home but may want to upgrade to a larger one or who may........



"Every great dream begins with a dreamer. Always remember, you have within you the strength, the patience, and the passion to reach for the stars to change the world."
~Hariet Tubman~



Getting Arrested

If you commit a serious crime, you will be arrested and sent to jail.

If you are arrested for participating in illegal activity, you will be handcuffed, taken to the police station, and questioned about the offense you are charged with. Depending on the nature of the crime, the police may give you a warning or they may just reprimand you.

If the crime is serious enough, the police may decide to charge you and you will have to appear in court. After you get arrested, you are entitled to make a telephone call to relative or a friend, but the call is not confidential.

  • Miranda Rights: Once you've been arrested, the police will read you your Miranda Rights, which is a warning, given by police, to criminal suspects before they are asked questions relating to the suspects possible involvement in the commission of the crime. The warning states that anything you say, can and will be used against you.

The police will then take you into a booking room and ask you about your personal information. You can decline to be booked, but the longer you wait, the more time you will have to spend in jail.

After booking, you will usually be asked to post bail, but if you have a criminal record, the police can hold you until the next morning for a judge to set bail. Upon release, you will get a date and time to appear in court for........



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Definition of the week...What are Business Cycles?



"Those who bring sunshine to the lives of others cannot keep it from themselves."
~James Barrie~



The Money Class

How to Stand in Your Truth and Create the Future You Deserve
by Suze Orman

How to find the courage to stand in your truth and why it is a place of power.

What daily actions will restore the word “hope” to your vocabulary.

Everything you need to know about taking care of your family, your home, your career, and planning for retirement—no matter where you are in your life or where the economy is heading.

In nine electrifying, empowering classes, Suze Orman teaches us how to navigate these unprecedented financial times. With her trademark directness, she shows us how to tackle the complicated mix of money and family, how to avoid making costly mistakes in real estate, and how to get traction in your career or rebuild after a professional setback. And in what is the most comprehensive retirement resource available today, Suze presents an attainable strategy, for every reader, at every age.

The Money Class is filled with tools and advice that can take you from a place of financial fear to a place of financial security. In The Money Class you will learn what you need to know in order to feel........



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