Bankruptcies resulting from unpaid medical bills will affect nearly 2 million people this year—making health care the No. 1 cause of such filings, and outpacing bankruptcies due to credit-card bills or unpaid mortgages, according to new data. And even having health insurance doesn’t buffer consumers against financial hardship. The findings […]

What Is a Personal Guarantee? A personal guarantee is an individual’s legal promise to repay credit issued to a business for which they serve as an executive or partner. Providing a personal guarantee means that if the business becomes unable to repay debt then the individual is personally responsible. The […]

Helpful tips and advice for drafting a compelling personal statement when applying for graduate admission What does this statement need to accomplish? The personal statement should give concrete evidence of your promise as a member of the academic community, giving the committee an image of you as a person. This […]

VIRTUAL CLASSES It’s important to keep your mind and body healthy during times of uncertainty. Our virtual classes are FREE of charge, easy to connect to, and offer options for beginning and more experienced participants. Current offerings include mindfulness classes like yoga, meditation, and nutrition, and fitness classes such as […]

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SMF has a powerful system of managing personal messages. Personal messages (or PMs for short) are like posts, but instead of being posted in a topic they are sent to one or more members. Typically, personal messages are private correspondence and they are viewable only by the sender and intended […]

What is the Personal Statement? Graduate schools, fellowships, grants, and other competitive programs often require each applicant to submit a short essay about her history and goals. These essays are sometimes written in response to very specific questions; sometimes, they’re written in response to a generic prompt. In both cases, […]