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Chapter 1 Chapter 2
ATTN: LAST MINUTE SHOPPERS
If you've missed the dreaded Black Friday sales, all is not lost. Find out how to do your last minute shopping, maximize on discounts and minimize on stress.
HOW DO I AVOID ID THEFT?
Don't be a sitting duck, be proactive and learn how to avoid identity theft with these key tips.
TAX TIPS
Wondering what deductions you can cash in on this year? How about how much money you may be getting back or maybe you have tax questions and don't know where to turn?
EFFECTIVELY UTILIZE YOUR
TAX RETURN
Where did last year's tax return go? While you may be thinking of a number of items to splurge your tax return on consider these options first. You won't regret opting for one of these instrumental suggestions.

NEW YEARS RESOLUTION
NO CHRISTMAS DEBT
Say "NO" to Christmas debt for the following year and do something now! Learn an easy fail-proof way to save for the disciplined or not so disciplined saver.
