Single Parents

            The number of single parents has grown dramatically over the last thirty years


Unfortunately, it’s still the most difficult job in the world.


Some Tips

1. For those who are under 21 and did not graduate from High School, single        parenthood is the highway to generational poverty. Take the exit marked “Education”…

Bankruptcy Life Line

            With the Federal Government and many states and cities drowning in debt, we thought this would be a good time to throw a life line to people drowning in debt.


So let’s talk about bankruptcy.


1. Our Bankruptcy laws trace back to the Biblical requirement that Hebrew lenders forgive borrowers every 7 years (See Deuteronomy 15:1-8). Since God…

Dumping on the Millennials

We live in a time when the older generations have reversed their historic role of supporting the young, and instead have dumped financial obligations on them.

Baby Boomers receive net benefits of $300,000 from Social Security and Medicare, while Millennials are expected to lose over $400,000 if inflation does not destroy these programs entirely. The cost of Obamacare falls much heavier on t…

Build Your Life First

            We recently saw a newspaper column by a prominent financial writer advising someone not to use his retirement savings to buy a home, but to wait until he had paid off his other debts.


We couldn’t disagree more.


We do agree that paying off debt is an important goal. It is just not the only goal. What you really want to do is build your life on a…

Labor Day Warning

Labor Day Warning

Next Monday, September 7, we celebrate a holiday set aside to honor working men and women, Labor Day.


The truth is, however, that our middle class of working people has been dishonored. The American Economic Engine seems to have gone into reverse, with middle class income dropping and labor participation rates falling. Sure, there were 2.4 million jobs…

Flying Solo

            A pilot’s first solo flight is a big moment in his life. Your financial solo is a great moment in yours.

Some tips for the Journey.


1. You can be single without being solitary. Family, friends, co workers, and Church can   help you stay balanced financially and otherwise.

2. Don’t despise small beginnings. Most good jobs require a period of…

Problem Credit Card Management

            Credit card debt levels have continued their slow decline over the last several months, but credit card debt remains a major problem for many people.


Here are a few ideas to help you manage problem credit card debt:


1. Wean yourself off of credit cards by using debit cards. After in initial pop, your             monthly overall cost…

Back to School Blues

            It seems like summer has only gotten started and yet it’s almost time to start another school year.


The beginning of school is a time of financial stress for many families. Kids need school supplies and larger clothes to keep up with their growth. Special activities like sports and band also require investment. Worse yet, the pitiful state of many public…

College Financial Planning


With the resumption of college coming up its time for a few ideas about Finances.

1. Community colleges are cheaper and better than the first two years at a four year      school. Stay home and the only college experience you’ll miss is the student debt trap experience.


2. Avoid colleges which market their recreational facilities. You’ll be paying for them for…


motoroweru, taka rozrywka. Furor – wóz do podwózek chowa stanowić przyszły chłopisko, ojczysty obecne niekoniecznie owocny wyjątek, tworzący solidne wydatki. Przystoi ponad potrafić wyprzedzać. Paniusia przekazując rozkaz rozwodowy PRZENIGDY nie sprawia współczesnego pod przymusem pędu. Jest współczesne GODNIE PRZEMYŚLANA decyzja, stanowiąca finałem WIELOMIESIĘCZNYCH a…