Social Security Fact versus fiction Part 1 Social Security concerns are a very real concern among Americans today. We know that the “trust fund” exists, what we are unsure of is will the money be available for us when we reach retirement age. Obviously, this will have direct impact on our standard of living during our golden years. Understandably, the concern over money is of great importance; however, there are a few other things to take into consideration when ... Read More

Showing your love: say NO to spending While having a baby, everybody wants to make the best parents. Trying to give our child the best education, enough money for his wishes we often forget about the fundamental in parenting-showing our love. Love is supported not by material things but by true and honest devotion. If you have a tot at home and don‘t know how to show your love, try the following ideas. Love doesn‘t cost anything, does it? ... Read More

With the needs of our families growing much faster than our budgets could handle, a group of friends and I decided to pool our resources and invent the costumes our children. Each of us committed to donating $10 apiece and we were able to formulate our costume budget. Before we would part with one cent of our money, we turned our attention to our closets, attics and basements. Unbelievably, with the items, we already had on hand and ... Read More