My parents taught me very good manners, and it went beyond “please” and “thank you.” As soon as I was able to grip a crayon, my mom would sit me down to write thank you notes... Read more >>

Life is like a card game. With every pick of a new card you have a chance to win. To win the game you must be willing to take risks. Without taking risks your chances of winning are slim. You have... Read more >>

Each day of the holiday season, I look forward to getting the mail. I flip through bills and catalogues in search of envelopes hand-addressed to “The Wilberts” or the “The Wilbert... Read more >>

At one time or another, many of us have wrangled with credit card debt. While, there is no magic secret to getting out of debt, there is a strategic plan to follow to tackle your debt head on. You... Read more >>