TITLE	DESCRIPTION
Many Don't Know How Money Works	Business mistakes are so common these days; it can be hard to weed out good business basics from the irrational.  I have been rereading, "Looking out for Number 1."  The author reminds us that if you hang out with irrational people long enough, you will start to think like they do.
Do Some More Research, Please	Business mistakes are so common these days; it can be hard to weed out good business basics from the irrational.  I have been rereading, "Looking out for Number 1."  The author reminds us that if you hang out with irrational people long enough, you will start to think like they do.

For Our Members

TITLE	DESCRIPTION
Running a Business Requires a Budget	Stop trying to convince yourself or anyone else that you can run a business without a budget.  I am still running across ecommerce sites claiming they can’t pay for services because they are start-ups.
We Better Learn to Live With Less	The fact that we are living in hard times has been the discussion on a mystery writers' list I belong to.  Writing, publishing and how to publish is their usual conversation.  Hard times issues have crept into people's lives so much that they are chatting about it everywhere.
How Versatile Are You?	Well, you know it's all been drummed into our heads that if we work hard, things should go well for us in life.  That axiom only holds true when the economy is moving at a healthy pace.
Watch Out for Those Bargains; They May Bite	I have been paying more attention to coupons lately.  They are everywhere.  They used to hold a niche in the Sunday paper.  But, now a days, you can’t escape them.  They are part of your receipt at checkout counters.  Watch, for those, as sometimes they are good.
Can We Benefit From the Substitution Effect?	There was a lot of substitution going on during the Christmas holidays.  I have never seen the discount stores so crowded.  The substitution effect comes into play by consumers when their previous favorite good is now priced so high that continued purchases hurt their budget.
The Wealthy Put Their Money to Work	However, the only thing we are teaching our children is how to spend money.  What if anything have you done to show your kids that money can make our future better?  We need to learn how to put our money to work.
Changing the Next Generations' Personal Finance Habits	America's personal finance habits need an overhaul.  This is not new to anyone who has seen a news headline during the past year.  We, America as a whole, are in a financial mess.  We haven't a clue as to how to use logic when it comes to money.
Nobody Teaches You How to Retire	We can help others before it is too late.  Education about money needs to start at an early age.  As our nation’s children mature, we need to explain the horrific future they will have if they take on a partner without the same ideas about money.  Disaster is the reality.