How Did We Get Ourselves In This Mess?

This is a question that I would like us to think about today. Not to torment ourselves about the current situation, but to learn from it. One of the problems I see constantly in the financial news is the incessant desire to know when are we going to end this recession. The media worried about what should we called this period; "The Great Recession", "The Big Bust"; who cares. The right question

Setting SMART Goals

Being motivated to set goals has to be one of the most difficult
aspects of our lives. Many times we start all exited about setting goals and after a couple of days the steam wears off; we have lost the motivation. Many times we loose interest because we
feel like every time we attempt it turns into a failure. However, many times we have a predisposed attitude towards being organized, planning

Success and Optimism

Life is filled of choices. You may choose to have a pessimist's view and live a self-defeated life or you may choose to take the optimist's route and have a challenging and fulfilling life. In contrast, optimists expect the greatest. They tend to think defeat is just a fleeting delay, that its causes are confined to this one case. Optimists tend to center on and plan for the 'difficulty' at

Protect The Elders During This Medicare Open Enrollment Period

Open enrollment period started on October 15, 2011, which provides seniors and disabled to enroll and make the necessary changes to their Medicare Advantage plans available from the private insurers. However, with every open enrollment period comes the batch of leeches who want to take advantage of the senior community. Fraudulent operators pray on a vulnerabel population that is generally more

Medicare Open Enrollment Starts October 15

The open enrollment period for Medicare starts tomorrow (October 15). The open enrollment period goes from October 15 to December 7, 2011. Medicare is available to all those age 65 and over
and younger people with disabilities as well as those with kidney
failure requiring dialysis or a transplant. Many people under 65 do not know that they may qualify.

With more benefits, better choices and

Beware of Bogus EFTPS Email Scams

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The IRS is
advising employers to be aware of a bogus e-mail scam involving
payments allegedly rejected by the Electronic Federal Tax Payment
System (EFTPS). The e-mail contains a link that, if clicked on,
may result in the download of malicious software. The software is
often designed to provide the scammer with personal and financial

Attitude Determines What Happens to You in Life

 "Faith and initiative
rightly combined remove mountainous barriers and achieve
the unheard and miraculous. An enthusiastic attitude
is nothing more than faith in action."

Henry Chester



"Keep your heart with all vigilance, for from it flow the springs of life"





Proverbs 4:23









This week I

Debt Slavery

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Debt Slavery is nothing new. Many
historical books, including the bible, will talk about debt slavery
or debt bondage. Debt slavery is defined as a situation when a
person provides a loan to another and uses his or her labor or
services to repay the debt. The problem with debt slavery is when
the value of the work, as reasonably assessed, is not applied towards