Martha Fry
Martha Fry is an author, editor, and speaker who loves sharing single parenting, homeschooling, and personal finance tips. An accountant, she is a contributing writer to Wealth Magazine and a reviewer for Publisher s Weekly. She has covered Christian Entertainment for various print & on-line publications for nearly 10 years. She and her six homeschooled children love to travel.
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Education/Experience
Bachelors Degree in Business Administration; former Tampa Tribune Business Manager; Faith & Values Reporter for The Tampa Tribune (2001-2005)
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Jeanne Cooper, Star of Young and the Restless, Dies at 84Jeanne Cooper died today at the age of 84. She played Katherine Chancellor on the Young and the Restless for 40 years. Her son, actor Corbin Bernsen, relayed the news via social media, where he had kept her fans updated since she fell ill in early April. -
Movie Review: Home RunBased on "thousands of true stories," Home Run hits theaters on April 19. Cory Brand is a major league ball player, but self-indulgent behaviors extract a heavy toll. As Cory faces demons familiar to many, we all learn of God's redemptive power and love. -
American Pilot Missing Off the Coast of West AfricaFormer Mission Aviation Fellowship pilot Jerry Krause, now general manager for Sahel Aviation Service disappeared while ferrying a plane from South Africa to Mali on April 7. One week later, no debris or sign of life have been found. -
First Person: Raising the Retirement Age Will Not Fix Social SecuritySome of the country's most successful CEOs are proposing raising the full retirement age for Social Security. Cutting costs will never create a solid fund. Social Security must raise revenue. One way is to remove the wage cap for contributions.
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First Person: I Got Burned by a Low Insurance QuoteWith the 2% Social Security bump taking effect this year, advice is rampant on how to make the payroll hit sting less. A popular suggestion: shop for a lower insurance quote. Personal experience has proved a cheaper quote does not always mean savings.
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My Parenting Resolutions for 2013Blessed with six amazing children, I have never made New Year's Resolutions. My children are adults, or well on their way to adulthood. They are accomplished and educated. In 2013, I am resolved to parent them as adults and strengthen our relationships. -
First Person: I Still Buy Gift CardsSome analysts may be predicting the end of gift cards, but I continue to buy gift cards to help stretch our tight budget. Discounts and deals can make gift cards a wise financial choice. -
First Person: Senior Citizen Discounts for Adults Over 50Many businesses are offering senior citizen discounts. Some are valid for customers as young as 50. This is a list of places where I use my age for financial advantage. -
The Impact of Passion 2013Sixty thousand students attended Passion 2013 at the Georgia Dome from January 1 - 4, 2013. They impacted Atlanta, the nation, and the world. But it was one woman, working in the shadows of this massive event that gave me a fresh perspective. -
Passion 2013 Opens in AtlantaLouie and Shelley Giglio stage Passion 2013 at Atlanta's Georgia Dome. The four-day conference focuses on challenging 18 - 25 year olds to use their lives for Jesus. For the second year, Passion has highlighted the global issue of human slavery. -
First Person: We Shaved 8% Off Our Grocery CostsWe have long prided ourselves as being a frugal family. When unexpected bills hit hard this year, we learned to tighten the purse strings a little tighter. Here's how we turned small savings into an 8% reduction on our overall food costs.
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The Night I Met Jack KlugmanJack Klugman died at his home in California on December 24, 2012. Almost a decade ago, I met the man in an Owensboro theatre. His simple demeanor made such an impact on me, I still remember our brief encounter vividly. -
William D. Ford: December 23, 1931My father, William Ford, was born 81 years ago today. Even now, nearly ten years after his earthly death, I miss him. His faith, however, lives on as I parent six of his eight grandchildren. -
Christmas Day 2012 Dining Options in AtlantaWhether you're dining solo, having a romantic dinner for two, or celebrating with your entire family, the Atlanta area has plenty to choose from when it comes to Christmas Day dining. -
No Gift-Buying This Holiday SeasonWith our bank account drained from major unexpected financial expenditures, we are having to forego gift buying this holiday season. Instead, we have come up with a clever way to still have presents to open but without going into debt.Also published on: -
Juan DeVevo: Grammy-Winning Musician and J.R.R. Tolkien SuperfanJuan DeVevo, best known as guitarist for the Grammy-winning Christian band Casting Crowns, is also a fan of J.R.R. Tolkien. Here, he talks about why he finds the works of the "Lord of the Rings" author so compelling. -
First Person: The Key to Year-End Charitable GivingCharitable giving is an essential line item of our annual budget. We do take precautions to make sure our year-end donations are beneficial to the charity and are done in a manner that creates the most advantageous financial situation for us.
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First Person: Why I Gave Up the Daily Deal HabitDeeply discounted coupon sites like Groupon and Living Social seem to offer great deals. I found the deals were no longer a deal and, in fact, were wreaking havoc on our family budget.
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A Visit to Highclere Castle, the Real Downton AbbeyAbout 35 miles south of Oxford, near Newbury, England, sits Highclere Caste, the real life estate made famous as the fictional home of the Granthams on the PBS series Downton Abbey. The estate is open to tourists at various times of the year. -
Richard "Duke" Maas Resigns as Executive Editor of the Tampa TribuneRichard "Duke" Maas held positions as Senior Editor for Sports, Managing Editor, and Executive Editor at The Tampa Tribune. On November 30, he ends his 12-year career at the newspaper. He will be missed. -
The Civil Wars Cancels Tour DatesThe Civil Wars has announced they are canceling upcoming tour dates. The Grammy-winning duo, comprised of former Christian pop artist Joy Williams and John Paul White, garnered critical acclaim and popularity with its debut album, Barton Hollow.
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Disney Hosts Annual Candlelight Processional at EPCOTA stellar line-up of celebrity narrators are scheduled to perform at Walt Disney World's 2012 Candlelight Processional, a music and spoken word celebration of the birth of Jesus Christ.
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How to Save Money with EggshellsEggshells are great in compost bins, but there are many other uses for the calcium-rich shells. Some will save you money.
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Review: Brandon Heath and the Blue Mountain TourOn October 9, singer/songwriter Brandon Heath released his fourth studio album, Blue Mountain. He is currently on tour with Matt Maher and The Church Sisters. The Blue Mountain Tour is an event not to be missed.
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Kyle Sherman Releases Debut Album "Hear Me"Kyle Sherman proves himself with a dynamic debut album, Hear Me. Lyrically he's all Christian. Musically he's a master of soul, rock, and worship. The result is a soundtrack for personal introspection as well as corporate worship. Listen and be inspired.
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Review: Brandon Heath's Blue MountainContemporary Christian artist Brandon Heath released his fourth studio album. Blue Mountain is a collection of songs that continues a legacy of storytelling that consistently leads Heath to the top of the charts. It's some of his best work yet.
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Author Murray Pura Worth the ReadMurray Pura, a Canadian author and pastor, has penned numerous novels and commentaries. Here I review the first two installments in his Snapshots of History series.
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First Person: Dealing With the Rising Cost of MeatsNews headlines are predicting a continuing escalation in the cost of meats. Here are a few tips my family is employing to keep well fed without busting our food budget.
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First Person: The Small Expenditures That Save Me MoneySometimes you need to spend money in order to save money. Here are a few examples of how small expenditures have resulted in big savings for our family.
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Artists Share Their Hearts at Disney's Night of JoyA sense of Christian community filled Walt Disney World's Magic Kingdom for the 30th anniversary of Night of Joy.
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How I Saved Money by RepurposingBy repurposing items we already have, instead of buying new, our family has been able to redecorate without breaking our budget.
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The Best Mexican Restaurant in the Atlanta AreaJust off I-75 south of Atlanta, you will find one of the best Mexican restaurants in Georgia. La Hacienda's experienced wait staff, authentic dishes, and reasonable prices make it a regular stop for our family.
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Top Reasons to Take a Group to Night of JoyAny group of 10 or more qualifies for discounts and perks at Walt Disney World's Annual Night of Joy. Here are the top reasons for calling out the friends and family for the 30th year of the Christian music celebration.
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Crowds Come Out in Support of Chick-fil-A in McDonough, GeorgiaLocated just 25 miles from Chick-fil-A's national headquarters, the Truett's Grill in McDonough, Georgia, saw no protesters but plenty of supporters for the company that has generously given back to area churches and schools.
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First Person: 4 Easy Ways We Cut Our A/C Bill By $45 a MonthWith record heat hitting much of the country, I have found a few ways to keep my own air conditioning bills in check while still maintaining a comfortable temperature inside my home.
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First Person: Financial Planning for Single ParentsFinancial planning for single parents is often a battle between today's needs and tomorrow's security. Still, trusts and wills are inexpensive financial planning tools that are essential for today's single parent.Also published on:
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First Person: Convention Travel at a DiscountConventions provide continuing education, networking opportunities, and professional inspiration, but the costs can often be daunting. These discounts allowed my daughter to enjoy the Association for Psychological Science convention in Chicago.Also published on:
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First Person: Are Cash Back Programs Worth the Effort?Unsure as to whether rebate and reward programs were really garnering me any significant savings, I decided to track my actual payments for a three month period.
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Review: Pat Boone Sings a Tribute to the Ink Spots, Featuring Take 6Legendary entertainer Pat Boone collaborates with award-winning a cappella sensation Take 6 to pay tribute to R & B pioneers the Ink Spots.
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How I Financed My Online EducationHigher education is expensive, and an online degree program is no exception. Here are the ways I was able to finance my pursuit of an online degree.
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Why I Pursued a Degree OnlineAfter several failed attempts to attend brick and mortar universities, I earned my bachelor's degree through an online institution. Here are my reasons for choosing an online school over a more traditional university system.
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The Top 10 Benefits of an Online Degree ProgramAs a single mother with five children still at home, I had all but given up on my wish of getting a college degree. Then, I found an online university that made it easy. In a short period of time, my dream became a reality.Also published on:
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Remembering Major Warren Hamilton LewisWarren Hamilton Lewis is better known as the older brother of C.S. Lewis, but Warnie was an author himself. He was also a diarist and, without his journals, we would know far less of the man who gave us Narnia.
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Easter Sunday in OxfordAway from my own family and home church, I find a place of worship while in Oxford, England, on Easter Sunday.
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Death on the Installment PlanLiving in the house where Lewis wrote the radio talks which would be compiled into the book, Mere Christianity, I have experienced God's glory. Today, I experienced His grace as He continues to chisel away at the parts of my life that need to die.
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First Person: Our European Vacation on a BudgetWith a little planning, our family was able to take a European vacation and still stay within our limited budget.
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Listening to C.S. LewisLast night I discovered one salvaged recording of one of C.S.Lewis' radio broadcasts from the 1940s. I am listening to it while writing in his dining room, as I am briefly allowed to live in his home, The Kilns.
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The AGA SagaOne of my first points of business upon arriving at The Kilns, C.S. Lewis' long-time home, was stocking up on groceries. My attempts to cook that food, I would soon learn, would be challenged by the King of the Kitchen - the AGA. .
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Leaving for NarniaTomorrow I leave for Narnia. Not the fictional land created by C.S. Lewis but to The Kilns, the long-time home of the author who was inspired to write the Chronicles, Mere Christianity, The Screwtape Letters, and other works while he resided here.
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First Person: Tips for Eliminating DebtNo matter how much debt you have, the balance is not insurmountable. Consider these tips for getting rid of those pesky obligations.
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Guide to Estimating Your Retirement BudgetOne key to a smooth retirement is planning a livable budget. Here's how I calculated mine.
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Why I Am Content Being SingleWhile I am not opposed to marriage and would, in fact, like to be married again one day. I still find happiness in my current position as a Christian single.
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First Person: I Trimmed $1,100 Off My Car Insurance PremiumsAutomobile insurance is a necessary evil, but I have found a few ways to cut my annual premiums without cutting coverage.
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How a Family of Six Stays Within a $300 Annual Entertainment BudgetMany of our former fun activities have had to be cut from the family budget, but we have found a few ways to stay entertained without breaking the bank.
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Commonly Overlooked Tax BenefitsEvery year I am surprised at the number of clients who overlook substantial tax advantages. Here are some of the most common ones that I see.
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First Person: I Quit With Five Years of Living Expenses Saved UpBack in 2003, I started thinking about early retirement. By October 2005, I had reached my savings and budget goals to make it a reality and turned in my resignation.
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Nominees for 43rd Annual GMA Dove Awards Announced in AtlantaGospel music's version of the Grammys announced nominees for the 2012 GMA Dove Awards at the Georgia Terrace Hotel in Atlanta. Included were perennial favorites Casting Crowns and Chris Tomlin, along with new artists Kari Jobe and Jamie-Grace.
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Transitioning to Retirement: Guide for BoomersHow I transitioned into an early retirement.
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8 Components for a Secure Financial FutureAddress these eight key aspects of financial planning to secure your financial future.
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First Person: 6 Years, No Health InsuranceI have been without insurance for more than six years. Here are a few tips on how I get healthcare without a policy.
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First Person: I'm Taking College Classes for More Than Just College CreditTaking even one college class can garner you more than academic rewards. College student status can get you big discounts.
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First Person: My American Dream, Circa 2012The American Dream has changed for some as unemployment and foreclosures have increased, but I believe that the American Dream still exists. For my family, it has come to be associated with the intangibles in our lives rather than with tangible items.
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My Encounter with God at Passion 2012Arriving late at the Passion 2012 Conference was a disappointing experience for me. I was missing the last ever David Crowder*Band concert. Disappointment soon turned to awe when God showed up.
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First Person: How I Fixed My Fixed ExpensesFixed expenses are usually the same every month, but I have found a few ways to reduce even the fixed expenses in my monthly budget.
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Atlanta Hosts Passion 2012Nearly 45,000 college-aged students and chaperones come in Atlanta for four days for Passion 2012, an evangelical Christian conference featuring Francis Chan, John Piper, Louie Giglio, and Chris Tomlin.
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Leap Year Provides One More Disney Day2012 is a Leap year. In honor of the 366th day, Disney has introduced the One More Disney Day promotion. On February 29 both the Magic Kingdom in Florida and California's Disneyland will be open for 24 consecutive hours.
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First Person: Year-End Tax PlanningDecember is the time to start assessing tax-planning strategies and making any last-minute changes to ensure the lowest tax liability.Also published on:
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First Person: How I'm Avoiding New Bank FeesBanks are looking to raise revenue by implementing new fee structures. There are still ways, however, to get free banking services and avoid those annoying service charges.
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First Person: Our Cost of Living Is Actually Less Than It Was 10 Years AgoComparing our household expenditures from a decade ago to now, we discovered some interesting facts. Despite an overall increase in the cost of living, we have actually reduced what we spend on certain items and expenses over what we paid ten years ago.
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Five Questions to Ask your Financial PlannerFive important questions to ask a financial planner to ensure that his advice and expertise matches up with your financial needs and goals.
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Benefits of Indexed AnnuitiesLow risk investments are often tied to low returns. However, If security is more important than growth, indexed annuities may be a viable choice. Just make sure you know the risks as well as the rewards.
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First Person: The Dos and Don'ts of Debt Settlement OffersWhile debt settlement is not a preferred method of getting out of debt, desperate times may call for desperate measures. One step short of bankruptcy, know the ins and outs of a settlement arrangement before agreeing to one.
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First Person: Reducing Our Dependency on CashIn order to increase our ability to obtain goods and services when money is tight, my family has taken to implementing strategies that reduce our dependency on cash.
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First Person: How My Family is Preparing for a RecessionRecessions are usually not evident until after the country is well into one. My family has taken some definitive steps to protect our lifestyle should a recession hit.
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First Person: Truly Frugal DecoratingA poor financial climate is no reason not to enjoy your living space. With these free or low-cost decorating tips, any house can become an inviting home.
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First Person: Why the Rising Price of Gas Will Not Change Our Vacation PlansWith gas prices predicted to be on the rise for the near future, we have had to employ a little creativity and alot of ingenuity to stay within the confines of our budget without canceling our annual trip to Disney World's Night of Joy.
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My Encounter with Lee Roy SelmonFormer Tampa Bay Buccaneer and Hall of Famer Lee Roy Selmon suffered a stroke on Friday evening. I had the privilege of working with Mr. Selmon in the 1980s. He left an impression which remains with me decades later.
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First Person: Ditching $900 in Gym FeesGym memberships and personal trainers are no longer line items in many American family budgets, but that's no reason not to keep up on regular workouts. Here are my tips on how to maintain a regular fitness routine without wounding your pocketbook.
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First Person: How the Debt Ceiling Accord Affects My Kids' Student LoansBuried in the 74-page Budget Control Act Amendment, which seeks to finance the nation's increasing debt, are cuts to the federal student loan program. With two students in college and three more on the way, these cuts impact my finances considerably.
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First Person: The Upside to Carrying a Credit Card in CollegeCollege students are often inundated with credit card offers. Rather than throwing them all in the trash, I suggest teaching young adults how to choose and use the proper credit card in order to help build a sterling credit rating.
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Families Need Earned Income Tax CreditPresident Obama plans on unveiling a jobs plan during a speech to the nation after Labor Day. I hope he addresses the issues of accountable and funding as well as the details of how he plans to get America working again.
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First Person: My Small Business Legal EducationEmployment regulations and laws govern most small businesses, even if there is only one hired employee. Even minor violations of these laws can become major expenses as late fees and fines can increase the financial damages.
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First Person: How I Save Money When Buying a New CarNew car prices are high enough. There is no need to increase the financial pain by paying for certain dealer-added extras. Here are my tips for lower that new car sticker price.
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First Person: Why I Rejected the Builder Add-OnsMany builder options are overly priced additions that most new home buyers can either purchase themselves, contract directly, or forgo altogether. In many cases, the additional cost should not be added to a 30-year mortgage.
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Laura Kaczor Releases Love EnoughChristian artist Laura Kaczor has long merged ministry and music. On her third album, Love Enough, she writes of how God's love is enough for her in an effort to uplift and encourage others.
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Nichole Nordeman Pens New Music for the StoryNichole Nordeman left the Christian music scene to devote herself to her family. Now she returns as the principal lyricist on The Story, a compilation CD featuring first-person accounts of some of the most well-known Biblical characters.
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First Person: How I Save Hundreds Each Semester on TextbooksTextbooks can be one of the largest expenses a college student has each semester after tuition and room and board. With two daughters in college, I have dug deep to find deals on textbooks. Here are my best tips.
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First Person: How Using a House Sitters Has Saved Us HundredsUsing a house sitter is a good way to add a layer of physical and financial security while your family is away from home for an extended period of time.
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Walt Disney World Hosts 29th Annual Night of JoyWalt Disney World stages its 29th annual Night of Joy. Featuring 16 of Christian music's biggest stars, this year's line-up again provides a diverse mix, including praise and worship, hip hop, and gospel.
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Georgia Sen. Saxby Chambliss Understands Nation's Financial CrisisGeorgia Senator Saxby Chambliss was one of only 26 senators to vote against the recent debt-ceiling bill. His reasons make sense, and I support his position and policies.
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Sean and Heidi Marshall Launch the Family RocketshipSean Marshall feared having to tell his wife he had received a pink slip. To his surprise, she looked at his layoff as the opportunity they had been waiting for to live the life they only dreamed of. Now, they hope to share their experiences with others.
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First Person: Could Bad Market Days Signal an Opportunity to Invest?As the stock market takes repeated dips, many investors are dumping stocks. I think it just might be a time of opportunity.
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Book Review: The Touch by Randall WallaceRandall Wallace has given us the epic stories of Braveheart, We Were Soldiers, and Pearl Harbor. His latest work offers a simpler, yet equally poignant, romantic tale that reminds us of the importance of faith and trust.
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2011 Christy Awards Held in AtlantaThe 12th annual Christy Awards honored authors in nine categories who write with a Christian worldview. The event's keynote address was presented by Hollywood screenwriter and director Randall Wallace.
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First Person: How We Save Up to 20% on Food While on VacationEating out can be an expensive part of a travel budget. My family has found that, with some pre-planning and digging we can find discounts that keep those costs to a minimum.Also published on:
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The Benefits of Living TrustsLiving trusts can keep assets out of probate and ensure that your wishes are properly executed
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First Person: Mortgage Payments Haven't Ruined My RetirementRetirement budgets can be structured to include a home mortgage payment. It may require limiting or postponing other expenses, but it is possible to retire before the mortgage is paid off.Also published on:
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Tips for Seller Financed SalesAs credit continues to be tight and home sales remain sluggish in some regions, seller financed sales are becoming more and more popular. Here are some things to consider before signing the mortgage papers.
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First Person: My Working RetirementI retired at only 46 years old. After a couple of years, I decided to supplement my retirement income and increase my social activity with a part-time, temporary job. Substitute teaching was the perfect solution.Also published on:
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Use Your University ID for Big DiscountsStudent identification cards are good for more than on-campus access. Numerous discounts are available to students in they know where to look.
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First Person: The Benefits of a Virtual Credit CardIdentity theft and credit card fraud still haunt many online shoppers. Give yourself a layer of protection against credit card number theft by using a virtual credit card number.
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Using the Bucket Strategy for Retirement FundsRetirees often worry about outliving their retirement funds. The bucket strategy has become increasingly popular in recent years as it purports to reduce investment risk while increasing the possibility of higher yielding returns. Here's how it works.
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Plan a Budget Conscious VacationSpontaneity can be fun, but keeping vacation costs within your budget can be equally as fulfilling. Use these tips to keep your travel expenses in check and come home with memories rather than debt.
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How Much Will You Need for Retirement?Most people aim for a specific age to begin retirement. A better strategy is to target a number: the number you will need to adequately fund an active retirement lifestyle.
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First Person: Should I Use My Debit Card Overseas?Help keep your foreign travel costs low with the wise use of debit and credit cards when you are abroad.
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Purchasing Programs That Help You Save on GasolineThe high price of gasoline continues to take a toll on the American family's budget. Some retailers are finding ways to promote purchases by offering discounts on fuel.
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Best Vacation Destinations in Southeast AsiaSoutheast Asia has long attracted Europeans to its warm beaches and cultural heritage, now Americans are discovering the beauty of this world-class tourist destination.
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Choosing a Debt-Free Solution StrategyThe key to any successful debt-free strategy is choosing one that compliments your personal reasons for seeking a debt-free lifestyle and will keep you motivated until the end.
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Meet Jamie GraceJamie Grace grew up in an Atlanta suburb. Teaching herself to play the piano, guitar, drums, and ukulele, she also battled Tourette's Syndrome. Enter tobyMac and the teen finds her first single, "Hold On" at the top of the charts.
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Using a ROTH IRA as an Emergency FundYoung adults cannot always find enough money to fund both a retirement account and save for emergencies. In the short term, there is one way to do both with one savings account.
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First Person: Home Staging on the CheapHome staging has become big business as the real estate climate continues to be a buyer's market. Here are some inexpensive tips for do-it-yourself home staging to ensure that your house is putting its best foot forward.
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David Crowder*Band Announces the End is NearThe David Crowder*Band came on the scene in 2000 with innovation and creativity that earned them awards and the love of legions of fans. Now, they announce their upcoming sixth album and "The 7 Tour" will be their last.
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Do Treasury Inflation-Indexed Securities Benefit Retirees?Treasury inflation-indexed securities are tied to the Consumer Price Index to help protect investors from inflation. Are they smart investments for retirees? It depends. Consider these TIPS attributes before making a final decision.
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Buying and Selling Gift CardsWhether you are looking to buy a gift card at a discounted price or sell an unwanted gift card to earn some cash, gift card exchange websites offer services to allow for both.
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Tips to Finding College ScholarshipsThe world of college scholarships is wide and diverse, but the money is often hard to find. Use these tips to uncover money for school that never has to be repaid.
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Save Money by Buying a HUD ForeclosureHUD has an extensive listing of homes that have been foreclosed. Follow these tips to facilitate the process of obtaining a HUD-owned home.
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First Person: Protecting Retirement Income for a Surviving SpouseNo one wants to consider life without a loved one. However, when it comes to retirement planning, decisions are best made before one partner passes. Ease the financial strain on the surviving spouse with proper planning.
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First Person: Vacation Money SaversPack these five simple items and save serious cash on your next family road trip.
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First Person: Buddy Up and Save on GroceriesWith bulk purchases and buy one, get one offers, partnering with family or friends can help reduce food costs for everyone.
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First Person: Great Summer Jobs for RetireesSeasonal employment can provide both fun and funds for retirees. Part-time and full-time positions are available in a variety of occupations and at numerous locations across the country.
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A Tribute for My MotherFor two years now, I've been unable to spend Mother's Day with my Mom. She has been in my thoughts. I wrote about her in 2006 and share it here.
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Bicycle laws in Georgia for biking to workRiding a bike to work can certainly save money on gasoline. Be sure to know your state's laws pertaining to operating a bicycle on public highways. I was surprised by some of Georgia's rules for bicyclists.
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Cunard Cruise Line: Luxury Beyond CompareThe Cunard Line sails three of the most famous luxury ships ever built: the Queen Elizabeth, Queen Victoria, and the line's flagship, the Queen Mary II. For early 20th century opulence and 21st century technology, sail a Cunard vessel.
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Young Adults Should Consider an Aggressive Investment StrategyYoung adults should consider the time factor when considering to institute an aggressive investment strategy. Higher risk can also yield higher rewards.
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Eliminate Impulse BuyingImpulse buying can destroy even the best laid budget plans. Use these simple tips to rein in impulse buys and keep your budget financially healthy.
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First Person: Pre-Fabricated Retirement LivingPre-fabricated housing has been on the market for some time. Now the industry is downsizing units and designing them specifically for the needs of seniors.
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Popularity of Crowdfunding Urges Changes to SEC RegulationsDecades-old SEC regulations make crowdfunding for the purpose of raising venture capital cost prohibitive due to filing rules. Some are lobbying to have the rules changed.
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'Does It Fit'? Kate's Ring and Other Notable Royal Wedding MomentsMy children watched their first Royal Wedding as I enjoyed my third. Here's what we talked about as we watched William and Kate exchange vows.
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Adventures by Disney Moves the Family Vacation Beyond the MouseAdventures by Disney offers unique travel opportunities for families, couples, and groups. Experience the world while travelling with Disney's unparalleled customer service.
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Find Adventure and Philanthropy with Exquisite SafarisExquisite Safaris customizes travel experiences for singles, couples, families, and groups that uniquely combine adventure, local activities, and philanthropy for a truly amazing vacation that impacts the destination as well as the traveler.
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First Person: Using Amazon to Trim My Grocery BillsMost people know that Amazon.com offers deals on books, movies, and music, but now great grocery bargains can be found on the site as well.
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Turn Your Passion into a PaycheckWith so many Americans out of work right now, finding a good job has become increasingly difficult for many. If you can't get employed, become employed by turning that passion for a hobby or skill into a paycheck.
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Reduce Your Travel Budget with Low or No-Cost LodgingLodging is a significant portion of any out-of-town travel budget. Here are some tips for reducing those costs with low or no-cost housing accommodations.
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First Person: The Twenty-Something Retirement AccountRetirement seems distant for most young people, but there are numerous reasons why retirement savings should be a high priority for today's working twenty-somethings.
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First Person: Keeping My Electric Bills Under $90I maintain an 1,819 square foot home for four people full-time, with part-time occupancy from a college-aged daughter. With a few simple conservation measures, we have been able to consistently keep our electric bill below $90.
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First Person: Federal Programs to Eliminate Student Loan DebtThe government's Income Based Repayment plan can reduce student loan debt payments. Combine it with the Public Service Loan Forgiveness plan and you can be free of your student loan debt in as little as 10 years.
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Kickstarter Enables Artists to CreateCrowdfunding sites like kickstarter.com are allowing artists to create works that would not otherwise have seen the light of day. There are measures you can take to increase your success rate.
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Chris Ingram: A Life Well LivedChris Ingram, a Southern Baptist missionary who served in Uruguay for the past 24 years, passed away on March 25. His life embodied the commandments of Jesus Christ to love God and love people.
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Membership Clubs, Cards Can Extract Savings for FamiliesMembership clubs and cards offer obvious benefits, usually discounts and buying options. However, many have hidden value in additional services, products, and unusual discounts.
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First Person: The Everyday Adjustments We Make to Save CashDigging deep to find ways to trim my household budget, I found new uses for items I already had in the house that chipped away at my electric, water, and heating bills.
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First Person: How I've Kept My Small Business Afloat During the RecessionSmall businesses can be especially hard hit during times of recession.There are ways, however, that even the smallest of small businesses can continue to not only survive but prosper during a recession.Also published on:
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Saving Money on Your Cell Phone BillIt is possible to save money on cell phone charges without limiting yourself to prepaid plans or constantly switching carriers. Find a plan that meets your family's needs.
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First Person: How My Day Care Center Turned Into a $20,000 InvestmentOpening my first small business, a day care center in Tampa, Florida, was more expensive than I initially anticipated.
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First Person: Take Advantage of a Home's Equity (Without Involving the Bank)For many retirees their homes are their most valuable asset. Not everyone wants to sell their home to fund their retirement. Here are a few tips for using your home as an asset without selling it.Also published on:
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No Better Time for Small Business Start-UpsThe Small Business Jobs Act and the Tax Relief Act of 2010 are devised to enourage the formation of new small business entities with favorable tax incentives for both entrepreneurs and investors.
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First Person: Organization as a Financial Planning ToolIf you want to successfully take charge of your money matters, organization is key. Avoid late fees, overlimit charges, fines, and penalties by keeping your financial affairs in order.
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Deadline Nears for Filing 2007 Tax ReturnsThe Internal Revenue Service estimates it is holding more than $1 billion due more than 1 million taxpayers who have not filed their 2007 Federal income tax returns. The deadline for doing so is April 18, 2011.
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Dollar Cost AveragingDollar cost averaging is a simple investment strategy that relies on regular period investments of equal dollar amounts over time. As with any investment strategy there are pros and cons. Make sure you know both.
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First Person: Savings Accounts for Children?Couples should start saving for their children as soon as they are born. The benefits of life-long savings will provide strong financial lessons that will serve children for years to come.
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The Benefits of Staggering Investment MaturitiesStaggering maturity dates on certificates of deposit provide annual liquidity of a portion of your retirement funds while increasing your rate of return over short-term investments.
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Saving Money on Wedding DecorationsA wedding can be one of the most expensive events a couple ever stages. With these simple tips, you can cut hundreds of dollars off your decorating budget and still have a grand wedding ceremony.
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How Will Quiting Work Early Affect Your Retirement Plans?Early retirement may seem like a desirable option in these days of high unemployment, but how will leaving the workforce early affect your Social Security benefits and tax-deferred retirement plans?
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Save Money with a Few Lifestyle ChangesSaving money is more about lifestyle changes than quick hit solutions. Turn these easy tips into habits and save money for a lifetime.
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First Person: The Pros and Cons of Reverse MortgagesReverse mortgages have been touted as an easy way for seniors to meet monthly financial needs without increasing their monthly debt payments. Consider all the costs and responsibilities before entering into one of these complicated debt instruments.
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Beware of Predatory Interest RatesSubprime borrowers often look to less than attractive credit card offers to rebuild their credit. Beware! These cards often have ridiculously high interest rates and fees that can do more damage than good.
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First Person: Should Single Mothers Buy Life Insurance?Many financial planners suggest single mothers purchase life insurance to protect family finances in case of death. However, many single mothers are unaware of the comprehensiveness of Social Security Survivor Benefits.
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Tax Tips for the UnemployedEven if you only collected an unemployment check in 2010, you may still be required to file a personal income tax return. Here are the things you should consider when collecting your tax documents.
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First Person: My Successful Mortgage ModificationThe federal government's Making Home Affordable modification program was intended to assist homeowners in keeping their homes. Modification applications are being processed at a snail's pace but it is possible to get your paperwork through.
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My Personal Budget Plan for 2011Budgets are often viewed as lifestyle restraints. In some ways they are, but it is much more beneficial to look at them as roadmaps geared to getting you were you want to go in terms of personal finances.
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The Truth About Prepaid Debit CardsPrepaid debit cards have received some negative press, primarily due to the Kardashian Kard, a vanity prepaid debit card promoted by the Kardashians of reality television fame. There are pros and cons to prepaid debit cards. Users should be aware of both.
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First Person: Choosing the Perfect Retirement LocationMany individuals focus on saving for retirement and ignore the other side of the retirement financial equation: expenses. Choosing a suitable retirement location is as important as saving for retirement.
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First Person: A Debt-Free Game PlanPersonal debt is devastating households. Using these six simple steps, you can be on your way to financial freedom and a debt-free lifestyle by the end of the year.
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First Person: Teaching Money Management to TeenagersAs a former Junior Achievement facilitator, I was surprised at how little many teenagers know about money management. These are the top money management subjects I ensure my own teenagers are well versed in.
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First Person: Bolster Your Retirement Savings the Easy WayRetirement savngs plans often get delayed until late in one's working life, requiring a bit of "catch up" on the part of the saver. Here are five simple tips to boost your retirement savings plan.
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First Person: Funding a Debt-Free College EducationCollege tuition fees are on the rise, but it is still possible to graduate with a college degree and without a mountain of student loan debt.
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Jumpin' Goat Coffee Roasters: A Passion to a PaycheckForrest Graves roasted coffee beans for friends and family for years. When he received a pink slip from Hewlett-Packard, roasting became his profession. Now a global entrepreneur, Graves hopes to help others with the lessons he has learned.
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First Person: Flexible Spending Accounts Are Not for EveryoneThe IRS tax code allows for employees to deposit pre-tax monies for dependent care into flexible spending accounts. The benefit is good for some, but not for all.
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First Person: Getting the Most Bang for Your Online Advertising BuckOnline advertising is an inexpensive, and yet effective, avenue for small business owners to market their goods or services. Here's a tutorial on four top ways to use online advertising for a small business.
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Forever Stocks to Buy and HoldForever stocks, are those stocks that should be bought and held. While the buy and hold investment strategy has lost favor of late, there are still stocks that warrant a buy and hold philosophy.
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CBS Sunday Morning Airs Segment on BullyingOn the January 9th edition of CBS Sunday Morning, a segment on bullying aired. Most appalling was the mother of one bully justifying her behavior as "sticking up for herself." This attitude is why bullying continues and is damaging our children.
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Questions to Ask Before Investing in an AnnuityAnnuities provide revenue streams for retirees, but they are not for everyone. Here are five questions that everyone should ask their financial advisor before investing in an annuity.
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Tax Day is Extended Due to Emancipation DayEmancipation Day, a little-known legal holiday in Washington DC, postpones Tax Day from April 15 to April 18 in 2011.
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Andy Stanley Speaks at Passion 2011Popular Atlanta-area pastor and author Andy Stanley challenges college students during Passion 2011. The four-day conference drew a crowd of 22,000 students, aged 18 - 25, to Atlanta for a spiritual awakening.
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Christian Artist Rebecca St. James Gets EngagedChristian artist, author, and speaker Rebecca St. James and Jacob Fink announce their engagement. St. James has long been an advocate for purity before marriage.
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Passion 2011 Speakers Get Serious on Day TwoPassion 2011 continues in Atlanta. Day Two is filled with messages from Beth Moore, Francis Chan, Louis Giglio and others.
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DVD Review: The Narnia CodeMichael Ward believes he has discovered The Narnia Code, an interpretation of meaning behind C.S. Lewis' Chronicles of Narnia series that goes beyond the Biblical allegory others have seen for years. In this BBC documentary, Ward explains his reasoning.
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Passion 2011 Redefines WorshipPassion 2011 begins on 1/1/11 in Atlanta, Georgia. Helmed by Christian author and speaker Louie Giglio and his wife Shelley, Passion 2011 aims at encouraging 18 - 25 year olds to a faith that turns to action.
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First Person: The Financial Decade in ReviewThe first decade of the new century brought turbulent financial times to most Americans. Here's a recap of the financial events that became defining moments in American financial history.
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First Person: What 2010 Can Teach Us About 2011Three elements shaped the financial climate of 2010: unemployment, credit card debt, and foreclosures. As tough as 2010 was, we don't seem to be in a full recovery yet.
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First Person: Last Minute Financial Planning for 2010Economic and tax issues are still unresolved, but there are certain financial planning techniques that make sound financial sense.
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First Person: Making the Most of 2010 Income Tax PositionsMany American taxpayers have experienced a reduction in their 2010 taxable income due to the nation's economic situation. For some, that may mean tax benefits to increasing taxable income and deferring expenses for the 2010 tax year.
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First Person: Tips for Trimming Your Holiday SpendingCelebrate in meaningful ways this holiday season. Friends and family may be more supportive than you think in your quest to rein in your holiday spending.
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Movie Review: "Cool It!"Danish economist Bjorn Lomborg questions the honesty in "An Inconvenient Truth" and presents his cost-analysis approach to addressing global issues, including global warming.
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Colonial Williamsburg Vacation Activities Near Richmond, VirginiaVirginia's city-sized living history museum, Colonial Williamsburg, offers numerous educational and entertaining activities and events. With some careful planning, you can ensure that you get the most out of your Colonial Williamsburg vacation.
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Expatriate Retirement Living in PanamaWith retirement funds and incomes remaining stagnant or losing value in the U.S. economy, more and more retirees are looking at expatriate living as a way to stretch their retirement dollars. An Ohio man who has retired to Panama shares his experiences.
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First Person: Big Business Tips for Small Business OwnersSmall businesses should take advantage of big business finance and accounting practices in order to be successful. Here are five business tips to grow a small business.
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First Person From a CPA: How Teachers Can Stretch Their FinancesTeachers are known to be underpaid and underappreciated. Here are 5 financial tips to help stretch a teacher's paycheck and help make up for the lack of pay and prestige.
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The Road to Tara Museum in Jonesboro, GeorgiaThe Road to Tara Museum showcases a comprehensive history of Margaret Mitchell's "Gone With the Wind" Memorabilia from the book, the movie, and of Mitchell's life are on display in Jonesboro, Georgia.
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Quote Roundup: Georgians Expect Election Promises of Jobs, Education to Be KeptOn Nov. 2, Georgians voted Republicans into every major statewide seat. Here's what a few Georgia citizens, polled recently at the Square in McDonough, had to say about what they are expecting from their newly elected government officials.
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Walt Disney World's 2010 Candlelight ProcessionalWalt Disney World's annual Candlelight Processional returns for its 17th year at EPCOT. The beloved holiday tradition will be presented from November 26, 2010 '" December 30, 2010, at EPCOT's American Gardens Theatre.
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Top Black Friday Stores for Culinary Gifts in AtlantaKitchen gadgets and gizmos make wonderful gifts. Whether you're searching for the perfect holiday gift for a professional chef or a culinary novice, you'll find some great Black Friday deals at these Atlanta stores.
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Tax Aspects of the Georgia Gubernatorial ElectionGeorgians are experiencing tough economic times. Taxes are a major issue for statewide candidates this year. Here is where the gubernatorial candidates stand on some hotly debated tax issues.
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California Missile MysteryA news helicopter videos a vapor trail off the California coast that appears to indicate a mystery missile launch.
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Movie Review: Rust, a Film by Corbin BernsenCorbin Bernsen (LA Law, Psych) has written, produced, and directed Rust, an independent film made with the help of the City of Kipling, Saskatchewan, Canada. Rust is one to watch.
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Veteran's Day Remembrances: Honoring a World War II MarineVeteran's Day is for remembering those who served our country. Each year the holiday reminds me of the uncle I never met. A Marine who gave his life during the Battle Of Peleliu
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Julien Hug's Death Reported as a SuicideReportedly suffering from acute depression, former Bachelorette contestant Julien Hug committed suicide according to a statement released by his parents.
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Best Out-Of-Park Walt Disney World AdventuresUnique adventures await every trip to Walt Disney World. Some of the best are outside the park. Tack on an extra day to your next vacation and check out some of these family favorites!
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Bachelorette Contestant Julien Hug Found Dead in CaliforniaThe Bachelorette Season 5 contestant had not been heard from since his cell phone died while he was driving near Palm Desert. On Wednesday, his body was found in a remote area about 45 miles from the highway.
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David Cassidy Arrested in FloridaDavid Cassidy, who earned worldwide fame as Keith Partridge in the 1970s, was arrested Wednesday evening in Florida and charged with driving under the influence. He disputes the charge.
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First Person: Tax Credits to Consider During This Holiday SeasonForty tax benefits are set to expire on December 31. You can still take advantage, and perhaps do a little holiday shopping at the same time.