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Chocolate lovers, there is someone you’ll want to meet. 

Richard and Heather Garza are opening a chocolate store with an inspiring back story.  Garza’s Goodies Chocolates & Confections is the result of a plan that’s been in the works for several years.

Legends Restaurant & Sports Bar celebrates its Grand Opening in East St. Louis on April 19th.  Listen to owner Robert Betts discuss his challenges accessing a bank loan and how he used Justine PETERSEN's micro-loan prgoram to get his business open.

You've probably heard about the importance of a good credit score -- it opens access to affordable mortgages, auto loans and reasonably priced credit, but it could also help to secure a job, buy a cell phone or establish utilities without paying a hefty deposit. And a low credit score will cost you. People with a weak credit rating willl pay approximately $250,000 more in interest throughout their working lives than those with stronger scores.