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…

Married to Debt


              It’s June, the month of wedding bells. Yet many a couple are dragging a load of debt down the aisle with them. Are you marrying the debt when you marry the person?

              Many people think so but 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 st…

Life after Graduation

           Another year, another class graduated.      
            It used to be that students looked forward with anticipation to graduation as the next step in their Journey of Life. Now many look toward graduation with dread because it means that payments must begin on their Student Loans. Those who are unemployed or underemployed graduate into loan default, but…