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An Internal Revenue Service employee processes tax returns in the mail room April 12, 2001 at the IRS East Coast headquarters in Brookhaven, New York. As the deadline for tax filing approaches, the IRS is now offering a variety of payment options, including e-mail and credit cards. (Photo by Spencer Platt/Newsmakers)(Getty Images)
An Internal Revenue Service employee processes tax returns in the mail room April 12, 2001 at the IRS East Coast headquarters in Brookhaven, New York. As the deadline for tax filing approaches, the IRS is now offering a variety of payment options, including e-mail and credit cards. (Photo by Spencer Platt/Newsmakers)(Getty Images)
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Are You A Victim Of Scope Creep?

While every business and family has experienced “scope creep” at one time or another, they might not have known the definition of their situation.

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An American airlines check-in attendant talks with a frustrated passenger September 14, 2001 at LaGuardia Airport in New York City. Airports reopened in the New York area Friday in the aftermath of Tuesday's terrorist attack, but flights were few. (Photo by Chris Hondros/Getty Images)
An American airlines check-in attendant talks with a frustrated passenger September 14, 2001 at LaGuardia Airport in New York City. Airports reopened in the New York area Friday in the aftermath of Tuesday's terrorist attack, but flights were few. (Photo by Chris Hondros/Getty Images)
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Good Customer Service Has Nothing to Do With The Customer

“Are airlines exceeding my customer expectations with body scanning, extra fees for luggage, no meals, stale peanuts, and charges for pillows or blankets?”

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BERLIN - SEPTEMBER 18: Fourth-grade students read books in the elementary school at the John F. Kennedy Schule dual-language public school on September 18, 2008 in Berlin, Germany. The German government will host a summit on education in Germany scheduled for mid-October in Dresden. Germany has consistantly fallen behind in recent years in comparison to other European countries in the Pisa education surveys, and Education Minister Annette Schavan is pushing for an 8 percent increase in the national educaiton budget for 2009. (Photo by Sean Gallup/Getty Images)
BERLIN - SEPTEMBER 18: Fourth-grade students read books in the elementary school at the John F. Kennedy Schule dual-language public school on September 18, 2008 in Berlin, Germany. The German government will host a summit on education in Germany scheduled for mid-October in Dresden. Germany has consistantly fallen behind in recent years in comparison to other European countries in the Pisa education surveys, and Education Minister Annette Schavan is pushing for an 8 percent increase in the national educaiton budget for 2009. (Photo by Sean Gallup/Getty Images)
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Life Picks You; You Don’t Get To Pick It

Things like drive, ambition and initiative are not taught in school but often surface when and idea presents itself.

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SAN FRANCISCO - FEBRUARY 05: Piggy banks sit on the shelf at the After The Quake store February 5, 2009 in San Francisco, California. As the global economy continues to falter and people lose confidence in traditional banks, piggy banks and money boxes are gaining popularity as people are starting to save their money at home. (Photo by Justin Sullivan/Getty Images)
SAN FRANCISCO - FEBRUARY 05: Piggy banks sit on the shelf at the After The Quake store February 5, 2009 in San Francisco, California. As the global economy continues to falter and people lose confidence in traditional banks, piggy banks and money boxes are gaining popularity as people are starting to save their money at home. (Photo by Justin Sullivan/Getty Images)
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How Much Are You Saving?

Money management is a struggle for many families in today’s economy. In spite of signs of improvement many families are still living paycheck to paycheck.

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LONDON, ENGLAND - AUGUST 06: In this photo illustration an Apple iPad displays it's home screen on August 6, 2014 in London, England. iPad maker Apple is selling fewer units than in the same quarter in 2013, it is reported. (Photo illustration by Peter Macdiarmid/Getty Images)
LONDON, ENGLAND - AUGUST 06: In this photo illustration an Apple iPad displays it's home screen on August 6, 2014 in London, England. iPad maker Apple is selling fewer units than in the same quarter in 2013, it is reported. (Photo illustration by Peter Macdiarmid/Getty Images)
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If You’re Not Using Social Media …

There are a lot of people who dismiss social media as a fad, addiction, useless, overblown, overhyped, self-serving, and over used.

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President Clinton draws a downward line on a chart, unveiling his budget for the year 2013 February 7, 2000. The President is sending Congress a $1.84 trillion farewell budget with surpluses that he proposes using to wipe out the government public debt, provide modest tax cuts and greatly expand government health care. (Photo by Mark Wilson)
President Clinton draws a downward line on a chart, unveiling his budget for the year 2013 February 7, 2000. The President is sending Congress a $1.84 trillion farewell budget with surpluses that he proposes using to wipe out the government public debt, provide modest tax cuts and greatly expand government health care. (Photo by Mark Wilson)
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Are You Making These Debt Reduction Mistakes?

A low credit rating can have an adverse affect on home and car loans, car and home insurance rates, and rental housing costs.

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(Photo by Mario Tama/Getty Images)
(Photo by Mario Tama/Getty Images)
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How Expensive Is Your Hobby?

If you have a passion for it you’ll find the money. What many people see as a total waste of time and money is someone else’s thirst for life.

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AUCKLAND, NEW ZEALAND - MAY 18: The next government budget announcement is set to effect rental properties and the housing market on May 18, 2010 in Auckland, New Zealand. Finance Minister Bill English will deliver the 2010 Budget at Parliament House on March 20. (Photo by Sandra Mu/Getty Images)
AUCKLAND, NEW ZEALAND - MAY 18: The next government budget announcement is set to effect rental properties and the housing market on May 18, 2010 in Auckland, New Zealand. Finance Minister Bill English will deliver the 2010 Budget at Parliament House on March 20. (Photo by Sandra Mu/Getty Images)
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Affordable Housing in Bozeman? Not Likely

Why am I skeptical of affordable housing in Bozeman? Mostly because, in my opinion, it can’t happen as long as it’s a political issue.

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NEW YORK, NY - DECEMBER 16: Uma Thurman attends the 11th annual Tibet House Benefit Auction to preserve Tibetan culture at Christie's Auction House on December 16, 2013 in New York City. (Photo by Brian Ach/Getty Images for Tibet House)
NEW YORK, NY - DECEMBER 16: Uma Thurman attends the 11th annual Tibet House Benefit Auction to preserve Tibetan culture at Christie's Auction House on December 16, 2013 in New York City. (Photo by Brian Ach/Getty Images for Tibet House)
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Does The Bidding System Really Work?

We’re all familiar with the bidding system. High end auction houses sell art, collectables, cars for prices higher than most of us will earn in our lifetimes.

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(Photo Illustration by Andreas Rentz/Getty Images)
(Photo Illustration by Andreas Rentz/Getty Images)
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Should We Increase The Federal Gas Tax?

The Highway Trust Fund, along with the Transit Trust Fund, is pretty well bankrupt. Imagine that, Congress not being able to manage money.

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