Even when times are tough, many Americans budget a portion of their assets to go to charity. According to Giving USA, a research institute that publishes data and trends on charitable giving, Americans contributed more than $298.42 billion to charities in 2011. While your heart may guide you to a particular charity, don’t just hand over your hard-earned money without getting some information. Though all charities purport to be doing good work, some organizations have less than stellar track records. Just as you would scrutinize a financial investment, so should you examine a charity to ensure your money makes the biggest impact possible.
Two of the most commonly made and commonly broken New Year’s resolutions are saving money and paying off debt. These are promises we all seem to make to ourselves every year with every intention of seeing through. But somehow, we wind up in the same spot we were before. So how can you make sure that 2013 is the year you take control of your finances and start making your money work for you?
An extraordinary level of teamwork, cooperation, trust, planning and execution can equal your survival and triumph in the face of perilous conditions. No clearer were these principles tested than when the crew of the AFR Midnight Rambler, facing hurricane-force winds and monstrous waves, piloted their tiny vessel through the storm to win the Sydney Hobart Race, known as the “Everest of ocean racing.”
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