Posts Tagged 'Money'

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I have seen some jaw-dropping tattoos and piercings in my travels. How about you?

Genesis 1:31 reads “And God saw everything that he had made, and behold, it was very good”. He created man with beautiful skin and perfectly formed ears and a nose. But, the world has tried to alter that which He called “good”. According to a 2012 Pew Research study, an estimated 36% of Americans have at least one piercing somewhere other than an earlobe and that percentage may be higher for those 17-25 years old. But now, millennials seeking professional jobs, and entering a new, more conservative phase of life want things filled in or removed. A job interview or the opportunity in a boardroom is causing many to reverse decisions made by peer pressure or impulse. The piercings and tattoos accumulated in younger years just don’t cut it in the classic work force.  Eugene Gentile, director of the Undergraduate Career Management Office at Rutgers Business School in New Brunswick says, “We tell people to take your nose ring out, but then you’re ...

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If you’re like me, you don’t like to carry a pocketful of change. Do you collect yours in a jar?

For years, I have tossed my coins in a jar and rolled them once a year. The boys and I spend a couple hours rolling and get our grins watching the money grow with each additional roll. Coinstar kiosks, located at grocery stores and Walmart, will roll your change but charge you a 10.9% fee for the service. When registering online, they offer the option of trading your coins for e-gift cards or donations to charity. Personally, I prefer to roll the coins myself while talking with my sons. This is a tradition they may take to their homes someday. When our children were young, the activity taught them coin identification and sorting. They had to count and use addition skills. They still delight in finding old coins and calculating the value of their spare change. If rolling is an activity you don’t like or have time for, check with your bank. Some will allow you to bring in your unrolled coins for deposit into your account. If you choose to take this route, why not consiste ...

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Is success a confirmation of God’s blessing? Not so fast.

I have seen many times that a man or woman can be a stellar success in Man’s economy and an absolute failure in God’s economy. Let me explain. Material success is far too often viewed as God’s endorsement of our actions. Now, before I sound pious, this applies to businesses and ministries alike. To be sure we are not deceiving ourselves about our success in man’s economy, we need to consider two criteria. First, our actions must be in accordance with God’s written Word. Some decisions are objective enough to be eliminated based on direct contradiction to the Bible. Second, because the Christian life is not a set of rules that can be obeyed to the letter of the law and thus justify all our actions, we must consider the conviction of the Holy Spirit. We are held to an even higher standard that requires constant input from the Holy Spirit to keep our motives pure and to do the right thing, especially when we come under pressure. We should never defile our consciences by doi ...

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Are you looking for a job this year? I have an encouraging story for you.

Years ago, I was between jobs and not sure where to turn. I began praying and asking God to open doors for me through my network of friends. In just a few days a friend referred me to a friend of his who owned a large company. The interview was a few short questions about my experience, my training and overall fit for the position. The truth was, I fell far short in all three areas. The owner, although polite, asked me why I had even come for the interview and then looked at me and said that it would not work out. At that moment, I stood to shake his hand and asked with a level of confidence that could have only come from God: “Sir, I understand your concerns, I am not very qualified for the position. But will you give me a chance to prove myself?” I was hired on 90-day probation. If I couldn’t do the job then I would be terminated. By God’s grace, within the first 30 days I had made a very large sell for the company that shocked everyone, including me. And it didn’t stop t ...

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Are you resolved to get out of debt in 2017? I have some practical steps for you today.

For the average American, interest payments consume the largest chunks of their monthly paycheck. There is interest on credit card balances, student loans, store accounts, and mortgages. Here are some ways to get started paying it off this year! Make a resolution that by December 31 of this year, you will have significantly reduced your high-interest debt. It takes a plan and perseverance to achieve your goal.  Use your income tax refund, which is estimated to be around $3,800 this year for the average American, to pay off your highest interest debt first. It is the one costing you the most and will provide the biggest relief to get it paid off. The sooner you file, the sooner you get your refund.   Next, adjust your withholding or estimated quarterly payments to be sure you are likely not to get a refund next year.  For many, this could mean an extra $300 per month in your pocket that can be applied towards debt reduction. So think about it, if you do both of the ...

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Jay Leno has never touched a dime of the money he earned on the Tonight Show.

According to an article at Yahoo Finance, Leno says "I always had two incomes. I'd bank one and I'd spend one." And he made sure to spend the smaller amount. "When I was younger, I would always save the money I made working at the car dealership and I would spend the money I made as a comedian," he says. "When I started to get a bit famous, the money I was making as a comedian was way more than the money I was making at the car dealership, so I would bank that and spend the car dealership money. I've never touched a dime of my 'Tonight Show' money. Ever." I wonder if he realizes he is using a biblical principle with this two-income strategy? Ecclesiastes 11: 6 says: Sow your seed in the morning, and at evening let your hands not be idle, for you do not know which will succeed, whether this or that, or whether both will do equally well. Mr. Leno not only had two sources of income, he learned to live on the smallest of the two. As we wrap up the year, think about this example and how you can apply it t ...

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Are you guilty of buying things you don’t need? Are your closets full? Maybe you get a rush shopping?

All of us have probably purchased something we didn’t need. But, do you know why? Lauren Greutman, gives reasons in an article she wrote for the Huffington Post. Here are a few she discovered, with my solutions to the problem. You want to impress people. Solution: Find your true identity in Christ. Greed and pride can stunt your character and will keep you in bondage. You’re in the habit. Solution: In just 21 days you can break the shopping habit and develop a savings habit instead. Only go to the store if necessary and then, with a list. Avoid any impulse purchases. Pray before you go to avoid temptation. You don’t think through what you already have before buying. Solution: Could it be that you are not thankful for what you have? Or, maybe your closets are so full you have forgotten what is there? Use what you have and donate or sell the excess. You’re depressed and you feel better buying stuff. Solution: In the long term, these purchases are not ...

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Thinking about selling your home? It may sound crazy, but there are good reasons to list during the holidays!

Recently I shared some good reasons to buy a home at year end. Today, I want to share why it is good to list your home for sale during November and December. Three years ago, we sold our home in November after listing it with Nikki Bonds. She is a successful realtor with some good reasons to list your home during the holidays. See if you’re convinced! First, people who look for a home during the holidays are more serious buyers. Since there are fewer houses to choose from now and less competition, that means more money for you. Second, houses often show better when decorated for the holidays. Serious buyers are more emotional during the holidays and more likely to pay your price. Buyers have more time to look for a home during the holidays and some people must buy before year-end for tax reasons. Nikki reminds us that January is traditionally the month for employees to begin new jobs. Since transferees cannot wait until spring to buy, your home should be on the market now to capture those ...

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Are you wasting money on “healthy food”?

I found an interesting article from Yahoo.com that gave strong evidence that we may be wasting lots of money buying five specific foods and beverages we think are healthy for us. For example, diet sodas. Certified Nutritionist Beth Warren says, “People think they are doing their health a favor by not drinking sugar-sweetened beverages and choosing diet drinks. Artificial sweeteners have been proven time and time again that, in the long run, they are not doing your waistline or health a favor by consuming them.” A study of 24,000 Americans found that overweight and obeseadults were more likely to drink diet soda than people at a healthy weight. While that might not be surprising — if you’re trying to lose weight, you’ll probably switch to diet drinks — the diet drinkers also consumed significantly more calories from food compared to people who chose sugary beverages. And overweight and obese people consumed roughly the same number of calories no matter their ...

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Have you started saving $1,000 yet?

My challenge to you is to escape the trap that nearly 70% of Americans are in: Living with less than $1,000 in savings! Here are a few more tips to find that $1,000 and put it away for future emergencies. How about that cable TV bill? I have friends who spend more than $100 per month for their cable TV package. If you cut the cable you can easily find $600 in savings to put away.  Your mobile phone is likely a place to save lots of money. Considergoing to a non-smart phone to stop paying for all the data expenses. Possibly go to a simpler contract to limit your use to what is necessary. Getting the kids a flip phone vs. a smart phone is another place to save money. Adjust your thermostat to reduce your utility costs. By being slightly less warm or cold in your house, you can save money every month. During the nice weather months, shut down the central units and open the windows. Go to a cash only program for all of your shopping. Research shows you will spend far less using cash, keep up with you ...

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