By Elizabeth Newberry For many of us, the classifieds are those few pages of our local newspaper that list apartments for rent, houses for sale, help wanted ads, and litters of kittens to give away. Some classifieds have huge, half-page ads taken out by car dealerships across the area, and most often you will find a local business or three advertising certain services.

By Jesse Chettle Unless people make a personal budget for themselves they will never be successful in their journey towards financial freedom. A budget is like the training wheels on a bike and works as a finance tool that helps keep people on the right path. For most it is necessary to keep a personal budget for their entire life but for others a budget is not needed after they get a feel for how their money is being spent and where it is going.

By Jed Lampi Every iPhone owner surely knows of the existence of free applications for their amazing phone. But while free of charge, they are not always the most useful. Some are just useless junk, applications that you will probably never use anyway; being free is the only thing they have going for themselves.

By Jeremiah Huck I thought it might be interesting to give you some idea of what it is like publishing this magazine. My plan in life was to publish a book or two, but to make a long story short...it didn't happen. Then came a chance to host TV programs on holistic stuff...which I did....and I am still involved with that project