OGoals are excellent things. Little ones at first. An everyday goal of say, lowering the electric costs by turning unused lights off. Later on, when you feel more powerful, make grander goals. Weekly, monthly, then delve into the five and …

OMany separated parents have found that opening cost savings accounts for each of their kids works marvels. Both moms and dads are more going to contribute money into an account governed by the kid.PUT SPECIAL BEQUESTS IN WRITING. Protect …