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, more than ever, we will be 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 get more.

2. Thanksgiving is not…

Social Security is no Substitute for Savings


We sometimes hear people say that they think they do not need to save because they have their Social Security benefits.  They should think again.


Suppose you worked for 40 years at an average of $3000 per month and then retired at age 66.  You would receive a benefit of about $1200 per month, or about 40% of your wages.


Now suppose instead that you worked for…

Learning From Disaster

                Next 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.


The first lesson is to count the cost. The European…

Ending the Scandal of Division

            October 31 is the anniversary date of Martin Luther’s nailing of his Ninety Five Theses on the Church door at Wittenberg, Germany.

Martin Luther had hoped that he would be able to reform and purify the Church. Instead, the Church split into a Catholic branch and a Protestant branch. Then came religious wars, with millions of Catholic and Protestant martyrs. Peace and…

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 dose of…

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 help replace your income. Most young families can easily…

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…