Keep Hope Alive This Easter

                Some years ago we counseled with a young man who considered suicide because of a $5,000 debt. That’s when we learned that its not the amount of debt that matters, it’s the burden of the debt on the soul.

Studies show that hard economic times are being blamed for a 31% increase in suicide from 1999 to 2010. Since the beginning of the 2008 recession mor…

Taxing the Wrong Stuff


Income tax is bad enough, but some folks end up paying tax on the wrong stuff. Don’t pay tax on income that is not taxable. Some Examples:


1. Employer provided Health Insurance is not taxable

2. Gifts and inheritances received are not subject to income tax.

3. Interest on most state and local bonds is exempt from tax.

4. Child Support payments are tax…

Work and Retirement

            More and more people are not asking themselves when to retire, but if they can retire.


Most of our ideas about retirement were based on the 50’s industrial model, with a company pension after a lifetime of work supplemented by social security. That model began to break down in the 70’s, as old fashioned pension plans proved to be unsustainable, companies…


Sale impetus ręformidans sed ut. Te vis eńim auguę. Id mei aperiri córrumpit reprehendunt, vim partęm deśerunt quaestio ań, eąm ut dólórem principes reprehendunt. Eligendi verterem disseńtiet duo an, duo prima impetuś dęfinitiones ei, nę eam ćivibus suscipit nęcessitatibuś. Zril sąpieńtęm inśtructior usu no, opórteat abhorreant usu at, videręr spleńdide cu eos.

Pro nib…

Ten Tax Tips

            Tax time is just over a month away.


Some tips:

1. File your returns on time even if you owe money. The IRS will let you pay them out and you will save the 25% late filing penalty.


2. Remember that you can extend the due date of your return until October 15 if you need more time to file.


3. People with large medical costs, who…

Married to Debt

              When it comes to questions about marriage and debt, knowing the right answers can make a big difference.

Many people think that marrying the person means you have married their debt. The truth is that you are not liable for your spouse’s premarital debts unless you sign on the debt to become liable. However, it still pays to know about your fiancée’s financia…

Reaching Your Savings Goals

            Last week we reported that a major financial company has recommend a savings goal of 8 times annual salary by the age of 67. Now people want to know how an average family making $60,000 per year can possibly save 8 times that, or $480,000

The key is to break down the savings goal into realistic components and tackle them one at a time.

First you should own your own…

Savings Still Key to Financial Freedom

            In a recent survey, it was found that the average 60 year old has only $114,500 in his 401(K) account. However, because of those with high savings balances, the average actually overstated the situation. In fact, half have less than $37,300 in their 401(K) accounts.


A major financial company advises that an individual should target savings to be 8 times…

George Washington’s Secrets for Winning Your War of Independence

              With the President’s Day holiday coming up on February 16, we thought it would be a good time to apply some wisdom from our greatest President, George Washington, to your financial war of independence.

Like you, George Washington faced a much stronger and richer opponent as he struggled to gain freedom from oppression. Like your oppressors, his enemies wer…

Income Inequality and Prosperity

            The Big Government people say that the rich are getting richer and the poor are getting poorer. They want the Government to do something when, in fact the Government is the cause of the problem.


It is true the spread between the richest and poorest Americans has been widening. The Government has been printing money to support its out of control spending,…