Okay, let me start this article by saying that there are no guarantees in which direction the market is heading, but all indications are emphasizing that the bulls and the bears may have a showdown when the S&P 500 index reaches 1,121 in value.

Both sides have claimed this number as a pivotal point in the market. The bullish camp is highlighting that corporate earnings this week look extremely strong. They also are noting that China’s economy is looking better than expected while Europe is rapidly moving to restructure debt. Also, the European banks will release their stress test scores in the next few days and all indications are that banks, like Deutsche Bank and BBVA, are solid in relation to the European economy.

That said, the bears are alive and well...

In May of 2009, President Obama signed the Credit Card Act into law following its passage days earlier in the Senate and the House. This act was rolled out in phases, the last of which occurs next month. The new standards for credit card holders is that their statements must be more transparent and easier to understand with the most dramatic changes coming in the way of credit terms, interest rates and fees.

The intent of the law is to remove the possible surprises that are listed in the fine print which have strapped millions of card holders. But in some ways, the credit card reform law has made cards more costly for users.

Here are some important things to watch out for:

As a single girl, your household is managed on one salary. Often times, a woman’s income is less than a man’s within the same industry or field. In addition, women tend to have a more expensive lifestyle at an earlier age than men. This situation creates a justified reason for all single women to live by a monthly budget.

As a single girl, your budget likely doesn’t include diapers, food for an entire family, or childcare costs. Despite the absence of these normal household expenditures, temptation to buy that gorgeous handbag or expensive pair of shoes is very real. Balancing these wants while managing to stash way savings can be challenging. Here are a few key items that will help ease the stress when creating a budget.

It's your money, it's your life.

As an investor you want a financial planning firm with:

• investment strategies designed to grow your wealth

• experienced financial advice & recommendations

• constant communication

• no restrictions to one particular company's investments. We have access to all investments.

You want your vision for your life to become reality. We have the financial planning expertise to help you get there.