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Once the decision is made to secure a tutor for your child, where do you begin your search for a great tutor? You should begin with the child’s school. Ask the school administrator, secretary, counselor, or the child’s teacher for names of local tutors. Check out the yellow pages and newspaper classifieds. Ask friends if they have used a tutor. Ask at local educational districts, private schools, homeschool associations, and special education organizations. Many of these are familiar with tutors in the area.

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You would think by watching the television that many Americans have a debt problem and some of them do, but how many. Credit is very readily available in this day and age and it is probably too easy to get, but it is not mismanaged to the point that the media makes it out to be.

Here are some facts that were put out by the Federal Reserve Board. About 56 percent of all Americans carry little or no credit card debt at all. Of the remaining 44 percent, the biggest majority do not have excess debt. Actually, only about 5 percent have too much debt.

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