One of the first things to remember is anyone and everyone can be replaced. A key person is not always the boss or the person who makes the big bucks in your place of business. A key person is the one who is sought out for information that may not be documented or is documented but long lost.

March is National Women's History Month. Celebrate this month by honoring not only the women who have made historical contributions to the world, but those who have made a difference in your life.

Bad credit can hurt your family because it often does not allow you to do the things you want to do for them and yourself. You may find yourself paying more for the same service than someone with good credit.

Feb. 22–28 is National Eating Disorders Awareness Week. The National Eating Disorders Organization is trying to raise awareness and educate the public about these disorders that can be fatal. Also, don't forget to wear red on February 6 to acknowledge cardiovascular disease in women.

Should you give your child an allowance during hard times? If you can spare the money--yes. Or, perhaps you can cut back on something since an allowance may teach a lifelong money saving habit.

January is Get Organized Month it is also Cervical Cancer Screening Month. What better way to start organizing your time and your life. Make an appointment with your MD and your eye doctor early in the month. Don't forget to remind vulnerable family members to make appointments as well.

Candles are popular, especially around holiday time. They are used in centerpieces; they are used for scent and setting a holiday or romance mood. However, they can be a potential fire hazard if not used properly. Use candles with care and keep your family safe.

"Fitting in is Overrated: The Survival Guide for Anyone Who Has Ever Ever Felt Like an Outsider" is a very practical quide to finding your place in society and becoming comfortable with who you are.

With so much going on these days, take some time to participate in Family Volunteer Day on Nov. 22. Thanksgiving is coming, there is no better time to get your family involved in volunteering.

A Book Review. Understanding Your Moods When You´re Expecting: Emotions, Mental Health, and Happiness--Before, During and After Pregnancy, by Dr. Lucy J. Puryear