January 2012

In Nathaniel Hawthorne’s classic novel set in the 1850’s the Scarlet Letter, Hester Pyrnne struggled to regain dignity following an adulterous affair. In antiquity, lepers were scorned because people believed they were dirty and being punished by God. In 2012 60% of jobs filled are screened for bad credit ratings. Individuals you may know of […]

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If you are following the European debt crisis, you may be interested to know more about how the international banking system got its start, in a culture dominated by those whose leader’s believed it to be wrong: check out a piece aired on NPR 1/31/12 “In Italy, Art As A Window Into Modern Banking.” Interestingly Florentine merchants […]

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Conventional retirement projections in most retirement financial planning software packages and calculators looks at everything the moment you enter it, such as your goals, assets, benefits, and expenses coupled with assumptions for taxes, rates-of-return and inflation. Since this is just a calculation it doesn’t measure probability of all of the many variables that could possibly […]

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If you watch or read as much news as I do, you may also come to the conclusion, that the world is looking for something to save us. There is desperation on the evening news, and people look to something to solve the world’s problems of recession, war and terrorism, food shortages, corrupt politicians, bankrupt […]

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A 1/27/12 column in the Wall Street Journal “No Need for Panic About Global Warming” written by 16 prominent scientists, seems to cast serious doubt in global warming (GW). GW seems to be quite a divisive issue these days, at least that is what it seems to be if you pay attention to the national media. As […]

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The following are good articles from this past week from other Christian personal finance blogs that I follow: Why I See Very Few Movies in Theaters from Free Money Finance Will a Short Sale Hurt Your Credit from Bible Money Matters 24 Legitimate Home-Based Business Ideas & Opportunities from Christian Personal Finance 9 Practical Ways to […]

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If you decide to hire an investment professional to invest your money for you, one thing you might want to discuss with prospective advisors is the Investment Policy Statement (IPS). The IPS is drafted between you and the advisor that outlines the rules they are to follow when investing your money. The advisor will typically […]

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The current economic turmoil has seen many good people having to go through foreclosure. For those that have the unfortunate experience of this, they might want to read the article in the Wall Street Journal regarding the tax implications of foreclosure.

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Until these post modern ages, few people did do-it-yourself investment management. With the advent of increased sources of information, no-load mutual funds, and low-transaction-cost brokerage accounts, more people choose to forgo using an investment advisor and manage their investments themselves. You are a smart and intelligent person and probably capable of doing a lot of […]

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Investment Management has sometimes been defined as: Managing assets and resources in relationship to your personal and financial goals, in order to most efficiently accomplish desired results. Achieving financial goals involves the use of many techniques, financial concepts, and tools. Perhaps one of the most important is the proper use of savings, investments, and retirement accounts. […]

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My command is this: Love each other as I have loved you. Greater love has no one than this: to lay down one’s life for one’s friends. You are my friends if you do what I command. I no longer call you servants, because a servant does not know his master’s business. Instead, I have […]

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Saturday morning is the time my wife and I usually grocery shop together. By then she has clipped all of the coupons, we have discussed the list of things we think we need and how much we want to spend. She has also run a report from www.thegrocerygame.com, which is a nice list of deals that […]

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The following are good articles from the past week from other Christian personal finance blogs that follow: The Gap Between New Car and Used Car Costs Shrinks from Free Money Finance How To Prepare And File A 1099 For Contract And Freelance Workers from Bible Money Matters Make Extra Cash By Selling Your Stuff on Ebay from Christian […]

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We have not heard the end of the story of the trans-American pipeline to bring Canadian oil sand derived crude though a 1,700 mile pipeline, that Obama rejected yesterday (1/18/12). Conservationists are celebrating, since they believe the negative environment consequences of the line and special process to remove the oil from the sands. It seems that […]

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Billionaire David Rubenstein today made a $7.5 million donation to repair the Washington Monument, damaged from last summer’s earthquake, the government will pay the other $7.5m.

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The Indiana legislature is battling over putting the Right to Work referendum on the ballot. Right-to-work laws exist ins 22 states, which prohibit agreements between labor unions and employers that make membership, and union dues a condition of employment. What this means to worker’s personal finances in the short run is having to pay mandatory […]

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I like to cook, and my wife says I’m pretty good at it. I have to admit I have watched a few cooking shows like Paula Deen, Rachael Ray, and Steven Raichlen’s Barbeque U. These shows provide good ideas for putting dishes together, use of ingredients and spices. However I seldom use the recipes, either because […]

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Good article in the Wall Street Journal about some good alternatives to the expensive full featured smartphones.  Those on an extremely tight budget may want to avoid these all together, and stick with a regular phone to save themselves high monthly data usage bills, unless they really need one for business. The monthly savings could be used […]

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The Ernst and Young Tax Guide for 2012 listed 50 of the most easily overlooked deductions. You may want to purchase this large book or look at what is listed on their website.  Also see IRS.gov for a list of highlights and Whats Hot. My list will touch on a few of them that I […]

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A very important part of personal financial planning is tax planning. As you prepare for tax season, here some general things to consider:  Be aware of the different types of taxes: Many people are not aware of the different types of tax systems that we have. The following are the most common systems that may affect you. […]

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