Miguel De Cervantes


Cervantes was a Spanish novelist and playwright who, in 1605, published what some consider to be the best work of fiction ever written, Don Quixote. It is a classic of literature and considered to be the first modern novel published in  Europe. Cervantes served in the Spanish navy and was badly wounded in the Battle of Lepanto where he was shot twice in the chest and once in the arm which caused him to lose the use of his left arm. He spent six months…

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San Bernadino, California


The city of San Bernadino, California lies about 60 miles east of Los Angeles in the San Bernadino valley. Like other California cities, San Bernadino was squeezed financially during the post-2008 recession by unemployment, declining property values and rising pension costs, on top of some significant accounting errors and years of deficit spending. It projected a $46 million budget shortfall for 2012. Concerned that creditors may take action which would inhibit the city’s ability to deliver services to its 200,000 residents, San Bernadino filed for…

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Abercrombie & Fitch


Abercrombie & Fitch was founded in 1892 as an upscale sporting goods store.  The company expanded in the twentieth century but began to fail after one of the founders,  Ezra Fitch, retired.  The company declined significantly in the 1960s and 1970s and after losing $1 million in 1975 it filed for Chapter 11 in 1976 and finally closed its doors in November 1977.  Abercrombie was purchased out of bankruptcy by other retailers and has become an iconic purveyor of clothes for Gen?X since then.

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Dave Ramsey


Dave Ramsey is a financial author, radio host and motivational speaker from Tennessee.  He has a syndicated radio program that is heard on more than 500 radio stations throughout the United States and Canada and has written numerous books on the subject of personal finances and wealth building.  He has been featured on the Oprah Winfrey Show, 60-Minutes, The Early Show (CBS) and the FOX Business Network. Mr. Ramsey started out as a real estate investo,r and in his twenties built a rental real estate portfolio…

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