$60,000 If Your Mortgage Payments Are Over 60 Days Due…..
…… the Pennsylvania Housing Finance Agency offers state residents a loan program designed to protect citizens who, through no fault of their own, are financially unable to make their mortgage payments and are in danger of losing their homes to foreclosure. Participants in the Homeowners’ Emergency Mortgage Assistance Program receive loans to help bring delinquent payments current. Continuing monthly assistance may be available as well. Total financial assistance maximum is $60,000, or 24 months of payments. Participants are expected to contribute $25 per month for payments during the term of the loan. Contact: Pennsylvania Housing Finance Agency, 211 North Front Street, P.O. Box 15530, Harrisburg, PA 17105-5530. Phone: 800-342-2397, http://www.phfa.org/programs/hemap/index.htm.

“Even If You Are On The Right Track You’ll Get Run Over If You Just Sit There….”
…… I found out from Tom Friedman in the New York Times that Will Rogers said this a long time ago.

“Americans Spend 50% More Time Working Than The French…”
…… but statistics also show that the French are 10% more productive than Americans. So says Edward C. Prescott in his paper called “Why Do Americans Work So Much More Than Europeans” from the National Bureau of Economic Research – http://papers.nber.org/papers/W10316.

High Grades And SAT Scores Don’t Work After Graduation……
……… because “in adulthood, you’ll find that a talent for regurgitating what superiors want to hear will take you only halfway up the ladder, and then you’ll stop there. The people who succeed most spectacularly, on the other hand, often had low grades. They are not prudential. They venture out and thrive where there is no supervision, where there are no preset requirements. ” And…… “the students at the really elite schools may have more social confidence, but students at less prestigious school may learn not to let their lives be guided by other peoples status rules.” From David Brooks, in the New York Times OP-ED page March 30, 2004.

More People File For Bankruptcy Then Graduate From College…….
… . According to the National Center For Education Statistics, the number of people who received a 4 year college degree in 2002 was 1,244,177 (http://www.nces.ed.gov/programs/digest/d02/tables/dt170.asp). According to the American Bankruptcy Institute, the number of people who filed for bankruptcy that same year was 1,539,111. In 2003 this number went to 1,625,208. http://www.abiworld.org/Template.cfm?Section=Annual_U_S_Filings&Template=/
TaggedPage/TaggedPageDisplay.cfm&TPLID=62&ContentID=3256

“The Process of Mastery Involves Loving What You Do And……
…… .doing what you love. In the world of sales, I call it falling in love with what you’re offering, and then selling your love or enthusiasm to potential customers.” From “The Power of Intention”, by Dr. Wayne W. Dyer, page 12, Hay House Inc., http://www.amazon.com/exec/obidos/tg/detail/-/1401902154/qid=1081032545/sr=8-1/ref=pd_ka_1/002-8172417-1578421?v=glance&s=books&n=507846.

An Ohio Judge Sentenced A Man To 5 Years In Prison……
…… .for bilking people out of at least $500,000 by making false promises of outright grants from foundations. From ‘The Working Poor”, by David Shipler, page 19, Alfred A. Knopf, http://www.amazon.com/exec/obidos/ASIN/
0375408908/qid=1081033290/sr=2-1/ref=sr_2_1/002-8172417-1578421.

Because Of Coming Retirements And Rising Enrollments…..
… ..2 million teachers must be recruited over the next decade. American needs to recruit 6,000 teachers every eleven days. From “The 2% Solution: Fixing America’s Problems in Ways Liberals and Conservative Can Love”, by Matthew Miller, page 8, Perseus Books Group, http://www.amazon.com/exec/obidos/tg/detail/-/1586481584/qid=1081034340/sr=1-1/ref=sr_1_1/002-8172417-1578421?v=glance&s=books.