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 schools…

The Government Sharks Are Back

Just when you thought it was safe to go in the water, the government sharks are back.

Last week the Justice Department announced it was reinstating the government civil asset forfeiture program which allows state and local governments working with the Feds to take the cash and property of suspicious characters.


Here’s how it works. Say you are buying a car for $10,000 and t…

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 spiritually, socially and financially.    …

The Triumph of the Seed of Woman

The Triumph of the Seed of Woman

On June 21, the Summer Solstice Day, the sun moved into the constellation Gemini (The United).

Gemini is the tenth chapter of the Star Bible and is a picture of two men. One has the bright star Pollux (He Who Comes to Suffer) at the head and the star Alhena (The Wounded) at the foot, a clear representation of Christ as the wounded Seed of…

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 whic…

Summer Joblessness

           Recent data shows a precipitous drop in summer employment of teens age 16-19. In 2000 about 52% had jobs. Now it is only about 32%. The minority communities are hardest hit with only 9% of low income Blacks a 15% of low income Hispanics having work.

            Traditionally, summer work prepares teens to enter the adult work force and…

Life, Liberty, and the Pursuit of Happiness

            Next week as we celebrate another Independence Day we are reminded of the ringing declarations made by the Founding Fathers on July 4, 1776. They are the cornerstones of our national liberty and your financial War of Independence.


            The Founders declared that all men are created equal. In God’s eyes that is true and America has…

Young Love

            Wedding Season is upon us again.    

            It’s a great time of life but it comes with many financial challenges. Some thoughts:

            1. Marriage is the world’s best anti poverty program. Two really can live better, if not cheaper, than one.

            2. Don’t skip the marriage vow. It honors God, honors…

Knowing You are Free

            June 19 is a special day in Texas. On that date in 1865 the slaves in Texas found out that the Civil War had ended and they were set free.


            Abraham Lincoln had given the slaves legal freedom on January 1, 1863 in the Emancipation Proclamation. The war had ended in April when Robert E. Lee and other Southern generals had surrendered. Yet…

Consumer Debt at Record Levels

New data recently released by the Federal Reserve Bank of New York shows that consumer debt has reached levels in 2017.


                Total consumer debt in the first quarter of 2017 was almost $13 trillion, finally surpassing the level of debt in 2008 just prior to the Great Recession. However, the composition of the debt has changed substantially since 2008. Hom…