In this issue:
Develop a Resilient Personality
Steps to Raise Your Credit Score
Laugh at Work Week
Gift Giving Guide
Manage Your Debt
How to Use Your EAP

You Can be Stronger – How to Develop a Resilient Personality
Resilience is the ability to overcome adversity and to deal with stressful and difficult circumstances. The most resilient people recover from traumatic experiences and are stronger and wiser...

Credit Score: 8 Steps to Raising Your Score in a Year
First–time home buyers, especially young people, may have never seen their credit score or even considered their credit worthiness, but when they want to buy a home, that changes. These days, a credit score of 700 is usually considered a good starting point for a home loan. However, FHA loans may be more lenient. But the most important thing is to start immediately to establish, build or improve your credit...

Laugh at Work Week – April 1–7, 2010 – Fun Facts about Laughter
Laughter is aerobic – it increases oxygen intake and gives our diaphragm a good workout, too...

How to Gift the Hosts When You Stay
You may wonder what you could do to show your appreciation when you will be a house guest....

Manage Your Debt by Creating a Spending Plan, and Stick to It
If you really want to reduce your debt, the first thing you will need to do is create a spending plan, then stick to it. Your spending plan, or budget, needs to focus on paying down your debt and not adding to it....

How to Use Your EAP
When help is needed call 1–800–433–2320. The office coordinator will ask for your name, employer and a brief description of your presenting concern. If an emergency exists you will be given immediate assistance. If your situation is not an emergency, you will be offered telephone assistance and/or in–person sessions to complete an assessment and make a referral for treatment if needed...

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