What is Your Creative Retirement Plan?
The idle are a peculiar kind of dead that cannot be buried. Oriental proverbOne thing is certain - when you do not have a creative challenge during your retirement years, the idleness and its accompanying despondency blots out any chance for happiness and contentment and can even encourage an early ... more...

Small Business Tax Deductions for Year End 2004
As a small business owner, it's wise to familiarize yourself with some key deductions that may reduce your tax bill for 2004.Employee Benefit Plans - You may deduct contributions to employee benefit plans (such as health insurance plans and retirement plans). Depending on your circumstances the ... more...

Saving Dimes Can Go a Long Way
On the other hand, there are those people who are saving dimes and every other cent. Perhaps its because they hate the clutter of change but want to get rid of it instead of letting it accumulate elsewhere or still rely on the fact that change has value and should be used accordingly. For those ... more...

How Do I Calculate How Much Life Insurance I Need?
Life insurance protects you and your family from economic hardship as a result of death. It is an insurance companys obligation to pay the recipient of your choice a pre-determined amount of money when you die in exchange for timely payment of premiums while you are living.Do you really need life ... more...

Virtual Assistance Price List: Basic Guideline to Setting Rates for Your Virtual Assistant Business
I've seen Virtual Assistants' rates range from $15 to $70/hr., depending on the VA's experience, specialty, location, and the project. One of the most common concerns with a new Virtual Assistant faces is what to charge for his/her services. A common mistake made by new Virtual Assistants is ... more...

Are You Ready For Undesired Events?
Planning for the undesired, accidents and possible unknowns in life. Recently, a remote friend of mine died during an accident. I dont feel particularly sad, but I was shocked to know because the scenario was quite dramatic.Whose responsibility is this when accidents happen? A more appropriate ... more...

Life Insurance Leads, Insurance Leads, and the Online Lead Generation Business
I've long wanted to write an article about Internet Leads (Life Insurance Leads, Health Insurance Leads, Homeowners Insurance Leads, etc) and why they are a waste of money, time, and a drain on the Insurance Industry. Thank you ezinearticles for this powerful resource in communication!Insurance ... more...

Selfish or Self-Loving
Selfish is such as nasty word, isn't it? If someone calls you a "selfish cow" - it hurts. After all, society tells us that we have to think of others first. We need to give before we can receive. We have to consider our family and friends when making a decision that will affect our lives ... more...

Property Near Beaches In San Francisco
If you are looking for a good investment, or are simply looking for a way to treat yourself, you might consider buying a property that is located near beaches. The real estate market, although competitive, still has some bargains left for the ambitious investor to find and maximize. One such ... more...

Achieving Financial Security in an Unreliable Economy
Financial Security is a false concept that developed in American society based on the idea that security comes from the perceived reliability of a regular or planned paycheck. Many people, believing in the commitment of their corporations to their well-being, have found themselves downsized, ... more...

Prison Wives: The Forgotten Women In Our Society
Having a husband in prison is a stigma in our society. However it is possible to cope and get through this difficult time in your life. Let me help you along the way and give you a few tips.I myself am a "Prison Wife." My husband has been in the prison system for the past 22 months. He was ... more...

A Fresh Start for Family Finances in 2005
While 40% to 50% of us make New Years resolutions on January 1a ritual that has existed since ancient timesapproximately 60% to 80% of us have already broken them by the end of February, according to researchers.Its still not too late, however, to reset the trajectory on your familys finances, ... more...

Living on the Edge: Stressed Out and Nowhere to Go
Is your stress level higher than it should be? Are you struggling with changes in life that you neither anticipated nor caused? If so, keep reading! Most of us carry far more stress than did our parents and grandparents. Life seems more complicated than ever. Nothing is certain, reality is ... more...

What Is It That You Are Waiting For?
How many times have you intended to accomplish a task that you decided to put off until tomorrow and never seemed to get around to doing?Have you ever made a statement regarding a goal or ambition that you had for yourself such as One of thee days Im going to and one of these days hasnt yet arrived ... more...