Retired after 25 years teaching English and Special Education in the public schools, I run a horse farm in New Jersey. I am an equine appraiser. Most of my income, however, comes from investments, hence my focus on financial matters. I've written three books on horses which are currently available, and sold over 150 articles and stories on wide-ranging topics.
The fear that bankruptcy might destroy a borrower´s credit score is often cause for hesitation in filing. This article explains the reality that a credit score may actually rise after filing for bankruptcy assuming the borrower follows the plan delineated here. Pointers for recovering a good credit score within two years of bankruptcy filing are clearly defined. | Read More →Words: 990 Downloads: 0 Category: Finance By: Joanne M. Friedman
There is wisdom in staying out of debt in general, but credit card debt tends to be insidious, particularly in this economy. This article highlights the disastrous effect of inherited credit card debt on the heirs to an estate. Planning ahead is not always possible, but worth the attempt. | Read More →Words: 900 Downloads: 0 Category: Finance By: Joanne M. Friedman
The most difficult part of the job search can often be the reasonable and realistic assessment of the applicants own skills. It is easy to forget that not all experience happens in the classroom or workplace and skill sets can be acquired almost anywhere. This article explains concisely how to fill out that slim CV without padding it. | Read More →Words: 495 Downloads: 0 Category: Careers By: Joanne M. Friedman
There is nothing sadder than an employee who realizes too late that he (or she) is the misplaced person in his employer´s place of business. With good planning, a little research, and the right outlook, most workers can stop having a job and develop a career. This article, aimed at both the student reader and the post-grad worker suggests ways and means of identifying that goal and setting out to reach it. | Read More →Words: 1026 Downloads: 0 Category: Careers By: Joanne M. Friedman
Farmers markets and farm stands, long a staple in rural areas, are growing more numerous and quickly becoming mainstream. This article explains briefly why the farm market is a viable alternative and what to consider on the reader´s next shopping trip. | Read More →Words: 400 Downloads: 0 Category: Shopping By: Joanne M. Friedman
In our busy, often chaotic lives, it is easy for the bonds of friendship to snap and break. This article explains why sharing is the most important skill we can have and how to use it to strengthen those bonds and form new ones. | Read More →Words: 700 Downloads: 0 Category: Relationships By: Joanne M. Friedman
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