December 2012

This is a non-partisan article about what the fiscal cliff fight is really about. It is a philosophical battle, but if you read the newspapers and watch TV news, you will not get this story. Believe you me, I have watched and read many commentaries and opinions about this, but no one has yet to […]

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Unemployment statistics are an important indicator of how our economy is doing; more people employed points to stronger business growth and to fewer people receiving government entitlements. However, this is a little difficult to track, since the government doesn’t really publish a combined statistic that truly indicates what is happening. Most people who study this issue follow […]

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Radio and Television is awash with silly advertisements aimed at anyone 40 or older, to get you to buy supplements to counter the effect of lower hormones as we age.  The ads ask if you are fatigued or depressed, have low sex drive, are gaining weight, or are generally having a feeling of malaise. These ads […]

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Average quality, 100% cotton underwear seems to have really gotten expensive the last few years. While shopping for just basic plain white T-shirts, we were amazed that a packet of 5 costs $34 at Sears and Kohls. Sometimes you can find where they are throwing in an extra shirt or briefs so you get 6 […]

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The Internal Revenue Service (IRS) recently published the new rules for contributions into retirement plans and IRAs for 2013. Some of these numbers have increased. They are good for you to know if you participate in IRAs (individual retirement accounts) or retirement plans such as 401(k)s sponsored by employers. The most an individual can contribute […]

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Property owners whose mortgage outstanding balances is more than their property’s value are already aware that refinance is a distant dream for them. This is because in order to refinance an underwater mortgage or in that case any mortgage, lenders look for at least 20% home equity in the borrower’s property. However, home mortgage borrowers shouldn’t lose […]

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The most commonly asked question I get is this: “Should I buy gold or some other precious metal like silver or platinum?” The main reasons for driving interest in gold are advertisements, the increased price of gold, and fear. There are a lot of commercials on TV and the radio from companies that want to sell […]

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Emotions are a very powerful force. Don’t ever underestimate their pressure to go against your good senses. Christmas, maybe more than any other time of year, tugs on your emotions to be a good friend, spouse, parent, and child and demonstrate it through generosity–generosity so great that you spend more than you have and charge […]

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This week’s money and stewardship devotional from the four Gospels* is about  the eternal significance of financial acts of righteous believers, from Matthew 25:31-46. 25 “When the Son of Man comes in his glory, and all the angels with him, he will sit on his glorious throne. 32 All the nations will be gathered before him, and […]

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Can you imagine what it would feel like if you had one day without worries? Does the thought of not having enough money worry you?  Are you anxious about what would happen if you lost your job? Are you fearful that when retirement comes, that you won’t have enough or you will run out of […]

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Big Box retailers like Sam’s Club and Costco can sometimes save you a lot of money, but if you aren’t careful you can end up spending more money than you planned to. I suspect most people do go over budget at these places. We are avid coupon clippers and deal shoppers, and often our receipt […]

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Last week I wrote on reviewing your life insurance policies; today I describe a way to layer term life insurance to provide affordable life insurance protection for longer periods of time. As a review, the most common forms of term life insurance are level term and annually renewable term. Both offer level death benefits: Level term life […]

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The funny comic strip “Coffee with Jesus” recently hit on some Christmas money themes. It prompted me to write this short article. I read this daily on Facebook. It’s from Radio Free Babylon. RFB usually makes me chuckle and it sometimes pokes my conscience. I feel a certain kinship with RFB, since we both are trying to bring Jesus’ […]

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This week’s money and stewardship devotional from the four Gospels* is about  the eternal significance of being good stewards, from Matthew 25:14-28. 14 “Again, it will be like a man going on a journey, who called his servants and entrusted his wealth to them. 15 To one he gave five bags of gold, to another two bags, […]

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