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Quotes that inspire and motivate

A list of holidays, events, and special dates in the month of July

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

Finance Topic of the Month: A Living Trust is a legal instrument set up to transfer your property out of your name and into a trust. There are different types of trusts and .......

Investing Wisely: A mutual fund is a professionally managed trust company that pools money from investors for the primary purpose of investing in........

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 processing your Social Security disability claim, always have the correct information including the exact dates that constitute the filing of........

Credit and Debt: Positive information stays on your credit report forever.  Negative information stays on your credit report for 7 to 10 years from the........


Book of the Month




Social Security

Social Security is not intended to take care of all your financial needs.

Social Security is a public program designed to provide income and services when you retire, become sick or disabled, upon death and in some cases, if you become unemployed. It is based on the concept of working and paying taxes into the system. The Social Security taxes you and other workers pay are used to pay for Social Security benefits. You must work and pay taxes into Social Security in order to get benefits.

  • Note: Some people get benefits as a dependent or survivor on another person's Social Security record.

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 pays benefits to people with disabilities and their families.

The entire amount of taxes you pay for Medicare goes to a trust fund that pays for some of the costs of hospital and related care of all Medicare beneficiaries. Medicare is administered by the Center for Medicare and Medicaid Services.

When you retire, become disabled, or if you die, you, your spouse and or dependent children will receive monthly benefits based on what you earned during your working years.

Although most people think of getting the benefits after retirement, Social Security can be received at any age depending on........



"Being good in business is the most fascinating kind of art. Making money is art and working is art and good business is the best art."
~Andy Worhol~



On The Job Injuries

If you get hurt on the job, do you know about Worker's Compensation Insurance?

On the job accidents occur more often than you might think. Thousands of injuries are reported every year, many are minor and some are serious enough to cause hospitalization and major rehabilitation.

There are laws, both federal and state, that provide medical benefits for those who are injured on the job. Laws require employers to provide Workers' Compensation Insurance and Medical Disability Coverage, that will pay an employee's medical bills and a portion of the employee's salary if he or she misses work do to injury.

  • Workers' Compensation Insurance entitles an employee to receive compensation for on the job injuries or illnesses caused by the workplace environment.

  • Workplace stress may also be covered.

All fifty states have workers' compensation laws. They all require employer's to pay for the insurance but the laws of each state may differ, so it is wise to check under your state's labor codes.

In return, the benefit to the employer is that employee's who are hurt on the job are not allowed to sue, thus avoiding long drawn out court battles.

  • Workers' compensation policies are underwritten by insurance companies the are selected by the employer.

  • The carrier usually agrees to pay all compensation and other benefits due an employee who is injured or ill from work related causes.

Workers' compensation insurance may not cover you if........


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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 a Notice of Default?



"The great thing in the world is not so much where we stand, as in what direction we are moving."
~Oliver Wendell Holmes~



Make Your Million Dollar Idea into a Reality
by Lori Greiner

From one of the stars of ABC’s Shark Tank and QVC’s Clever & Unique Creations by Lori Greiner comes a hands-on, nuts-and-bolts guide to getting a new product or company off the ground and making it a success.

Turn your idea into a reality.
Become your own boss.
Make your first million.
Achieve financial freedom.
Lori Greiner shows you how.

Lori Greiner is one of America’s most successful, prolific, and sought-after entrepreneurs. But before she created her first hit product, all she had was a great idea, a tireless work ethic, and no clue how to get it to market. So Lori taught herself everything she needed to know about bringing an invention from concept to creation to consumers in months. She learned the ins and outs of business, manufacturing, investors, patents, marketing, and more. Now, five hundred million dollars in retail sales later, in an honest and straightforward fashion, Lori reveals the path she took to her wealth of experience and hard-won wisdom so that you, too, can achieve financial freedom and see your invention become reality.

Invent It, Sell It, Bank It! is a hands-on, nuts-and-bolts guide to getting a new product or company off the ground and making it profitable. Sharing her own secret........



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