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Financial management is a key to maintaining good financial health. To manage your finances, you need to understand what are high priority debts and what are low priority debts. Learn which debts are low priority.


The following debt is considered a lower priority. If you are in debt up to your eyeballs, you can ignore these types of debt:


Low priority debt includes credit that is borrowed without collateral. This includes credit card debt and medical debt, such as doctor and hospital bills. …

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There are a few ways you can increase your income: by saving more, by working longer, and/or by increasing your salary. Saving more is always sound advice, but it’s not always possible. Why? Life happens. The same goes for earning more in your paycheck. Depending on your job and health, working after age 65 may not be an option. Honestly, it’s hard to tell now how you will feel about working when you reach your sixties.

What else can you do? Put a percentage of your money into the stock market if you can. The stock market has the potential…

How to protect your identity online.

1. Think Carefully When Entering Information Online

Make sure that you have a secure connection when providing personal or financial information online. The URL in the address bar should change from “HTTP” to “HTTPS” or “SHTTP.” A closed padlock symbol by the URL can also show that the connection is secure.

2. Don’t share information

Before you give anyone personal information, make sure the person they claim to be and that there is a specific, legitimate reason for needing your personal information. When updating your social media and blog sites, make sure you limit the people who have access to your profile, comments, pictures, tweets, status updates, etc. …

Photo by Fiona Art from Pexels
Photo by Fiona Art from Pexels
Photo by Fiona Art from Pexels

I’m always reading ‘How To’ books. I read all types of books and magazines, but the “How To’ ones are like mini-education classes or even big education classes depending on the subject and content.

I have written ‘How To’ articles and planning an instructional book down the road. I always write them with the notion that more than one person is reading them. I hope!

The point is that all of these types of books/articles — no matter the author — are written with a decent size audience in mind. …

The piercing whistle from a passing train turns my head toward the train station. A sign catches my eye. “Help me. I’m homeless.” Beneath the sign sits a mousey-haired middle-aged man, wearing a red flannel shirt, ripped cargo pants, and no shoes.

His handled-bar mustache covers his parched lips as he speaks nonsensical words to me. Next to him, a charcoal and chocolate-colored hush puppy dog named Sammy, sits patiently, sniffing the laces on my boots. Sammy looks well-fed; his owner does not.

A homeless man and his dog are near the train tracks, located in front of the Humane…

When I was eighteen years old, my father and I almost drowned off the coast of Florida. My father recently recovered from an operation for an aneurysm of the aorta and was not working due to his illness. This forced us to move from our home in Allentown, Pennsylvania to my aunt’s house in Deland, Florida. After a few weeks of adjustment, my father decided we needed a break and we headed to Daytona Beach, notoriously known for car racing and spring break.

“Let’s go for a swim,” my father said. He smiled wide as he got up. The first…

Yoga exercise will help you get passed the afternoon slump. Photo courtesy of theformfitness.

Did you ever feel that afternoon slump? It never fails each day at around two o’clock, my eyes become so heavy that I can’t keep them open. After hours of staring into the vapid blackness of my computer with my fingers fumbling along on the keyboard, my neck is stiff and my back hurts. So what’s a girl to do?

There are a few yoga and stretching moves that you can do in your chair that will instantly revive you.

Debbie Phraner, an Integrative Yoga Therapist for Yoga for You, recommends the following seven stretches as a great…

Breathing for Relaxation Photo courtesy of Pixabay

Have you felt stressed lately? Anxious? Nervous? Who wouldn’t with the fall semester just getting underway! Your stress level is probably off the chart.

Count Your Breath

Do me a favor. Get a timer and count how many times you breathe in one minute. Don’t worry. I’ll be here when you get back.

Did you do it?

How many breaths did you take — 10, 15, maybe 20?

No worries. Most people breathe between 10–15 times per minute. However, as normal as this may seem, this should not be your goal. Your ideal breathing rate is six breaths per minute. …

Financial District Post 911

I remember September 11, 2001, clearly.

My daughter Isabella had just turned one year old. I was getting us ready to leave for Peterson Air Force Base where I worked and where Isabella attended daycare. I caught a bit of the news.

Someone stated that an airplane had crashed into the World Trade Center. I thought about how anyone can be so stupid as to fly too low and hit a building. I proceeded onward as if nothing unusual had happened. The base was having an inspection, so the military had what they called procedural exercises that week. …

How to Grow Customers without Trying and Have Fun in the Process

There’s a little known marketing secret in the retail industry that can easily be applied to those whose primary clientele are other businesses. It’s so subtle most people don’t even notice what’s happening, which is probably the best kind of advertising you can get.

Did you ever take your kids to a Home Depot Kids Workshop or Lowes Build and Grow Clinic?

Both home improvement stores along with other big-box retailers offer workshops to keep the kids occupied with projects while parents shop for new carpeting or look for ideas for a kitchen remodel. Parents such as myself may be…

Connie J. Schlosberg

Curious traveler, perpetual student, self-appointed recorder for the tribe, storyteller working in data intelligence. #Writer #ContentCurator #HowTo

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