A cash advance on a credit card is one of the worst types of borrowing because the interest rate is typically 21 percent or more.

Writing is hard work, not magic. It begins with deciding why you are writing and whom you are writing for. What is your intent? What do you want the reader to get out of it? What do you want to get out of it. It's also about making a serious time commitment and getting the project done.

The world does not need another credit card.

Choosing wealth as a goal requires facing everything about your money bravely, honestly, with courage -- which is a very, very hard thing for most of us to do.

The chances of a bank going out of business are extremely slim, but it's always a good idea to spread around major sums so every penny is backed by insurance.

Power comes from who you are, not what you have, and the transformation starts with how you allow others to treat you.

Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward your emergency savings.