Unlike every other retirement vehicle, such as IRAs and 401(k)s, you receive a tax deduction for making contributions to your HSA but don't have to pay income taxes on withdrawals.

In today's world, working for yourself is actually the safer route, and working for a corporation has become the riskier proposition.

Of all the entrepreneurial opportunities available today, one of the most important is direct selling, also called network marketing.

Ten million new millionaires will be created by 2016, and you can become one of them - especiall y if you are in direct selling, technology or home-based business.

Changes that used to take place in 50 years now happen in a handful of years . . . or even months. And how we deal with that changing technology explains almost everything.

Direct selling provides an opportunity open to absolutely everyone, regardless of background, specialized skills or capital worth.

What is the one bright spot on the entire horizon that would give someone an opportunity to be retrained to learn new skills? Direct selling.