1Moreover, brethren, we do you to wit of the grace of God bestowed on the churches of Macedonia;
2 How that in a great trial of affliction the abundance of their joy and their deep poverty abounded unto the riches of their liberality.
3 For to their power, I bear record, yea, and beyond their power they…
Countless messages have been preached about sowing and reaping. From Jesus’ parable of the sower to Apostle Paul’s admonition in Galatians 6:7. The message is clear, “Whatsoever a man soweth, that shall he also reap.” This principle should not be restrained to just the seed sown but should also include the bread that is produced…
It was in the fall of 2019 when I made my way back to my hometown for a special visit. I sat in a living room full of antiques and framed pictures of children, grand-children, great-grandchildren, and even great-great-grandchildren. Also found in that living room was my great-grandfather sitting in his rocking chair with some…
Before starting your search for a new home, it is important to consider how much house you can afford. Why is this important? Because if your “outgo is more than your income, your upkeep is your downfall!” Any of us can let our desires exceed our ability to make payments and keep up with our…
Trick question! Everyone needs an estate plan, or at least a will. Why? Believe it or not, you have an estate. In fact, nearly everyone does. The majority (73%) of financial advisors say the ideal age to start putting an estate plan in place is before you turn forty. Much earlier than many people think.…
The realities of life must never be ignored. Storms will come. Tires will blow out. Anniversary gifts will need to be bought. Property taxes will have to be paid. The question is, how are you planning for these expenses? Building a financial safety net (aka. establishing a savings account), will allow you to pay for…
One simple question told me all I needed to know. “How much money do you have left over after all of your bills are paid?” It wasn’t the actual answer to the question that I was looking for. I wanted to know how they would answer it.
In my previous 15-year career as a lender…
I have lived long enough now to see the results of those who have planned for retirement and those who have not, as well as, those who have planned, but not enough. It has also been my privilege to teach across America on the subject of “Life Planning” which offers tools we can use to…
Debt represents bondage. Proverbs 22:7 acknowledges this. “The rich rule over the poor and the borrower is slave to the lender.” However, the kind of bondage that debt brings is not only in what its owed to a bank or an individual, but it goes beyond that into a deeper level. Granted some types of…
Estate planning is one of those things you know you should do, but have you sat down and actually done it? Probably not. According to a recent survey by the Harris Poll, sixty-four percent of Americans have not made a will. While most U.S. adults age eighteen and over have not prepared these documents, eighty-one…
Most of us have probably heard the term FICO score. But do you really know the purpose and how it affects our personal finances?
Many think of FICO as the gatekeeper of credit. The concept was founded in the 1950s by William Fair and Earl Isaac of Fair Isaac Corp, thus FICO. Originally, they…