Hope for Christmas

For the first time in many years we are seeing signs of hope in the economy. The stock market has risen to record levels based on expectations of tax and regulatory relief. The housing market has made a strong recovery and unemployment is at historically low levels.


However real wages remain stagnant and millions still feel left behind and strangled by problem debt.  …

The Power of Giving

They say that Christmas is the Season for giving, but smart people give the whole year around.
Giving is actually one of the keys to financial freedom. Givers are quickly identified in the marketplace as those who go over and above the minimum needs of the job. They are cheerful and hard working, and because of their giving attitude people enjoy working with them. They are first in line for…

Thanksgiving Turkeys

            This year, we will be once again immersed with Christmas shopping commercials as we join our families for the annual Thanksgiving Feast.


            Don’t let these Turkeys turn you into the Christmas goose:


            1. Don’t forget to be thankful at Thanksgiving. People who appreciate their blessings are more likely to…

Debt Paydown vs Savings

                New research has provided some important information to help answer the question of whether it is better to pay down debt or put the money in savings.


                Two researchers affiliated with Texas Tech University, Russell James and Scott Garrett, studied 839 audits over 50 years old for 4 years to find out which strategy –…

Learning From Disaster


This week on November 11 we will honor our Veterans. May God bless them all.


                But November 11 also marks the anniversary of the end of the first World War, one of the worst disasters in Human History.


                So what can you learn about your finances from this disaster? Plenty.



Lending a Helping Hand

  Have you ever thought that you may have the keys to help someone else escape from financial bondage?
  Yes, you can turn your own struggle for debt relief into a helping hand for someone in need.

                The most important thing you have is empathy, having suffered from your own financial troubles. You know that struggling people do not need an extra dos…

Thinking About the Unthinkable


                If you want to be fondly remembered, you need to think about the unthinkable before it happens.


                Life is uncertain, and your first duty is to your family. Here are some things you can do before the unthinkable happens.


                If something happens to you, your family will need money to…

Obamacare Meltdown Season

Another “Open Enrollment” season for Obamacare has arrived, as health insurance rates go even higher and the program is collapsing.


Costs are spiraling out of control because of expensive government mandates. For example, a 60 year old woman must pay for maternity coverage. “Preventive medicine” freebies take money away from needed care. And, of course, healthy younger…

Escaping From the Internet


                We’ve all seen the movies where some evil government agency wants to get someone and so they cut off their access to credit cards.


                Before the identity theft explosion it was usually a bad credit report, not bad spies, causing the problem.


But now, thanks to hacks of Equifax and the U.S. Government, we hav…

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…