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WASHINGTON, DC - MARCH 28: Social Security supporters attend a rally in the Dirksen Senate Office Building on Capitol Hill March 28, 2011 in Washington, DC. Democratic senators, including Senate Majority Leader Harry Reid (D-NV), said the Republicans' entitlement reform plan will 'dismantle Social Security, delay distribution of benefits to seniors.' (Photo by Chip Somodevilla/Getty Images)
WASHINGTON, DC - MARCH 28: Social Security supporters attend a rally in the Dirksen Senate Office Building on Capitol Hill March 28, 2011 in Washington, DC. Democratic senators, including Senate Majority Leader Harry Reid (D-NV), said the Republicans' entitlement reform plan will 'dismantle Social Security, delay distribution of benefits to seniors.' (Photo by Chip Somodevilla/Getty Images)
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Be Poor Now Or Be Poor Later

If I could go back in time and change one thing in my life I would look harder at how to retire with a higher income and retire earlier and enjoy life more.

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LONDON - JULY 10: In this photo illustration a girl browses the social networking site Facebook on July 10, 2007 in London, England. Facebook has been rapidly catching up on MySpace as the premier social networking website and as of July 2007 was the secondmost visited such site on the World Wide Web. Started by 22 year old Harvard dropout Mark Zuckerberg, the website is responsible for 1% of all internet traffic and is the sixth most visited site in the USA. (Photo Illustration by Chris Jackson/Getty Images)
LONDON - JULY 10: In this photo illustration a girl browses the social networking site Facebook on July 10, 2007 in London, England. Facebook has been rapidly catching up on MySpace as the premier social networking website and as of July 2007 was the secondmost visited such site on the World Wide Web. Started by 22 year old Harvard dropout Mark Zuckerberg, the website is responsible for 1% of all internet traffic and is the sixth most visited site in the USA. (Photo Illustration by Chris Jackson/Getty Images)
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The Two Edged Sword — Social Media

Now profanities, hate speech, and intolerance are the order of the day. If you disagree with a post be prepared to be personally or professionally attacked and vilified.

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NEW YORK, NY - JUNE 22: Members of the nurses union, National Nurses United, and other workers converge on Wall Street to protest against financial intuitions and inequality on June 22, 2011 in New York City. An increasing number of American labor groups and organizations representing the interests of the poor and working class have been protesting in New York and Washington, DC to express their anger at Wall St. profits and budget cuts currently being proposed in Congress. (Photo by Spencer Platt/Getty Images)
NEW YORK, NY - JUNE 22: Members of the nurses union, National Nurses United, and other workers converge on Wall Street to protest against financial intuitions and inequality on June 22, 2011 in New York City. An increasing number of American labor groups and organizations representing the interests of the poor and working class have been protesting in New York and Washington, DC to express their anger at Wall St. profits and budget cuts currently being proposed in Congress. (Photo by Spencer Platt/Getty Images)
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Is Income Inequality Unequal? — Or Just a State of Mind?

What does Bill Gates or Warren Buffet’s incomes have to do with me? How is that unequal?

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United States Army soldiers toast each other before eating Christmas dinner December 25, 2001 at Bagram Air Force Base in Kabul, Afghanistan. Many soldiers were able to call home on satellite phones to send holiday greetings to their families. (Photo by Mario Tama/Getty Images)
United States Army soldiers toast each other before eating Christmas dinner December 25, 2001 at Bagram Air Force Base in Kabul, Afghanistan. Many soldiers were able to call home on satellite phones to send holiday greetings to their families. (Photo by Mario Tama/Getty Images)
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My Most Memorable Christmas

While we don’t always act very Christian to each other on a daily basis, Christmas is the time that encourages us to be more tolerant of each others feelings and beliefs.

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A shopper pays cash for sales merchandise December 26, 2000 at the Lakeline Mall in Austin, Texas. Stores were hoping that after Christmas shopping could salvage what seems to be a disappointing holiday season. (Photo by Joe Raedle/Newsmakers) (Getty Images)
A shopper pays cash for sales merchandise December 26, 2000 at the Lakeline Mall in Austin, Texas. Stores were hoping that after Christmas shopping could salvage what seems to be a disappointing holiday season. (Photo by Joe Raedle/Newsmakers) (Getty Images)
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How to Handle Money In 2015

How well did you handle your money in 2014? Were you living paycheck to paycheck? Falling behind in paying bills or paying them late?

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BIRMINGHAM, ENGLAND - FEBRUARY 07: A doctor at the Accident and Emergency department of the recently opened Birmingham Queen Elizabeth Hospital on February 7, 2011 in Birmingham, England. The new Queen Elizabeth Hospital accommodates 1,213 beds and 30 operating theatres. The super hospital has a 100-bed intensive care unit - the largest in Europe - and the largest single floor critical care unit in the world. (Photo by Christopher Furlong/Getty Images)
BIRMINGHAM, ENGLAND - FEBRUARY 07: A doctor at the Accident and Emergency department of the recently opened Birmingham Queen Elizabeth Hospital on February 7, 2011 in Birmingham, England. The new Queen Elizabeth Hospital accommodates 1,213 beds and 30 operating theatres. The super hospital has a 100-bed intensive care unit - the largest in Europe - and the largest single floor critical care unit in the world. (Photo by Christopher Furlong/Getty Images)
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How to Talk to Your Doctor

With the growing changes in healthcare more of the burden for the kind of care you receive is in your hands as much as your healthcare provider.

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NEW YORK - MAY 20: New York City Police officers stand at the scene of a shooting on Sixth Avenue between 47th and 48th streets May 20, 2004 in New York City. The shooting occurred while Sixth Avenue was already closed by a fire on 50th Street. (Photo by Matthew Peyton/Getty Images)
NEW YORK - MAY 20: New York City Police officers stand at the scene of a shooting on Sixth Avenue between 47th and 48th streets May 20, 2004 in New York City. The shooting occurred while Sixth Avenue was already closed by a fire on 50th Street. (Photo by Matthew Peyton/Getty Images)
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Have We Lost Law and Order In America?

One race sees justice denied while others see justice confirmed. But regardless of evidence, deliberation or verdicts two people are dead who should not be.

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A Promotional Blimp Carrying The Rolling Stones Lands Before The Press Conference To Announce Their 2002-2003 World Tour May 7, 2002 In New York City's Van Cortlandt Park. (Photo By Keith Bedford/Getty Images)
A Promotional Blimp Carrying The Rolling Stones Lands Before The Press Conference To Announce Their 2002-2003 World Tour May 7, 2002 In New York City's Van Cortlandt Park. (Photo By Keith Bedford/Getty Images)
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Friday Fun Facts About Advertising

Unless you go completely off the grid there is no way of escaping advertising in our 24/7/356 sound bite world.

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WASHINGTON - MARCH 24: Protestors carry signs outside the Supreme Court in favor of the current Pledge of Allegiance March 24, 2004 in Washington, DC. The Supreme Court will hear an argument by Mike Newdow, which states that the phrase 'under God' should be removed from the Pledge of Allegiance. (Photo by Mannie Garcia/Getty Images)
WASHINGTON - MARCH 24: Protestors carry signs outside the Supreme Court in favor of the current Pledge of Allegiance March 24, 2004 in Washington, DC. The Supreme Court will hear an argument by Mike Newdow, which states that the phrase 'under God' should be removed from the Pledge of Allegiance. (Photo by Mannie Garcia/Getty Images)
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Tom’s Opinion: Does God Exist?

Does God exist? For some the answer is easy for others there are various levels of suspicion, doubt, or outright denial. So who’s right?

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DETROIT, MI - OCTOBER 23: People, mostly union and retired city workers, protest in front of the U.S. Courthouse where Detroit's bankruptcy eligibility trial began this morning October 23, 2013 in Detroit, Michigan. A federal judge will decide if the City of Detroit is even eligible to be in bankruptcy court. (Photo by Bill Pugliano/Getty Images)
DETROIT, MI - OCTOBER 23: People, mostly union and retired city workers, protest in front of the U.S. Courthouse where Detroit's bankruptcy eligibility trial began this morning October 23, 2013 in Detroit, Michigan. A federal judge will decide if the City of Detroit is even eligible to be in bankruptcy court. (Photo by Bill Pugliano/Getty Images)
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How Much Money Will You Need To Retire?

How much money will you need to have in some form of retirement account to maintain or increase your current standard of living?

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