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One of the most telling areas is education. More women than ever are graduating from college with degrees. Not just white women either. All groups increased.

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

New mom’s AND DAD’s get four months paid parental leave, reimbursement for day care and adoption fees, and $4,000 in spending cash after the birth of the child.

Many potential business owners fail before they even begin due to perceived inadequacies. There are hundreds of entrepreneurs who started very successful businesses with little or no education or finances.

Your initial job is to reduce the amount of time, from opening day to the day your business breaks even. The shorter that period is, the better chance your business will have of succeeding.