You're not alone. About 51 million American households carry credit card debt at an average balance of nearly $12,000. Credit trouble is a problem you can't ignore. No matter how much money you earn or where you live, if you've made mistakes with credit in the past, those mistakes will haunt you -- unless you empower yourself to fix them. And you can.

Managing your credit can be a complicated issue, but the Reverend Luis Cortes Jr. provides an easy-to-follow guide to help you handle the process. Any amount of debt, no matter how scary the number, can be paid off with a little planning...

HIV/AIDS is a scary subject. Not only can it destroy a body but it can also destroy a family, friendships, and even a community. Nobody likes to talk about it, but ignoring the problem won't make it go away. In fact, what you don't know can hurt you and somebody else. The only way we can overcome this disease is through education, precaution, and proper treatment, because nobody is immune.

The Reverend Luis Cortes teaches you how to understand the virus and the disease. Prevention is the best approach, but contracting HIV is no longer a death sentence. There are now a variety of...