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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: Medicaid

What happens to your assets?

Although medicaid may be a big help if you, or your spouse, becomes ill and require long term care in a nursing home or other facility, it could also become a nightmare as far as your assets are concerned.

Neither your health care insurance or medicare may be there to pay the day to day costs of nursing home care. You are responsible for paying the nursing home bills yourself and unless you are wealthy and can afford the costs, your assets may be taken to cover the costs of the care.

Medicaid is designed to help those who cannot afford to pay for nursing home care, so if you have assets, such as a home, savings accounts, stocks and bonds, CD's, IRA's, mutual funds, and whole life insurance policies, they may be taken to pay the costs that are incurred.

Other assets that could be taken include cars, vacation homes, social security checks, pension checks, and you may lose your personal home and other assets to help pay for your nursing home healthcare expenses.

According to certain federal laws, if one spouse needs extended nursing home care, one half of all combined assets may have to be surrendered and depending on the extent of the nursing home stay, sometimes more than half may be taken.

Unless you are wealthy and can afford nursing home insurance, which is very expensive, you may be surprised to see your hard earned life savings taken from you to pay unexpected........




"It's not the load that breaks you down, it's the way you carry it."
~Lou Holtz~



If My Child Is Arrested?

If your minor child is arrested, it could cost you anywhere from a few hundred to a few thousand dollars.

Like adults, children get arrested for offenses ranging from public intoxication, drug and alcohol abuse, vandalism, auto theft, rape, murder, and a host of other crimes.

It is a good idea to learn and understand juvenile law and how it could effect your minor child, and you, if the child is arrested for any reason. The responsibility for all costs will land squarely in your lap and you will be the one who has to find ways to help your child get through the legal process. It could cost you anywhere from a couple of hundred to thousands of dollars.

Your child will have the same rights as those of an adult. Since he or she falls under specific laws that are designed to protect the rights of minors, someone has to step up to the plate to ensure that the minors rights are protected.

They have the right to remain silent, the right to the services of an attorney, and the right to a fair and speedy trial if formal charges are filed. They must be read their Miranda Rights before they answer any questions and they must be allowed to call a parent, guardian, or an attorney. The rights of minors do not exclude them from being punished to the full extent of the law.

The arrest of minor, a person who is 18 years old or younger, is usually handled in juvenile court, although in certain cases depending on the severity of the crime, a minor can be tried as an adult. He or she can be tried as an adult in Superior court for criminal offenses such as murder, attempted murder, rape, crimes that involve the use of........


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"We face unique challenges and opportunities as we plan for our financial future."
~Michael K. Farr~




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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