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Are You Over-Housed?

Are you among the over-housed in America? It’s been said that we only use 40% of our living space. Yet, Americans carry high mortgages and the stress of financial burdens. More is not always better. A small home is typically less expensive, easier to maintain and faster to pay off. Over-housing is the concept of […]

Are you trying to stretch your dollars?  If you shop regularly for groceries, you’ve noticed a mysterious thing happening on the shelves of your stores: Shrinkflation, or product downsizing. It happens when products are sold for the same price but in a smaller package or quantity. As inflation rises, so does shrinkflation. It’s a hidden […]

Restaurant Fees vs. Eating at Home

Do you eat out…a lot? The next time you eat out, take a close look at your receipt. The Wall Street Journal reports that the number of restaurants adding service fees increased by 36% in the past year. They’re showing up as “fuel surcharges”, “Noncash adjustments”, or “kitchen appreciation fees.” Romano’s Grill states on its […]

Remote Work Threatened?

Do you work remotely? Many organizations have allowed employees to work from home for more than two years. However, an article at Bloomberg states that numerous companies have begun to fear a recession. Employees who negotiate their pay and working conditions are now seeing push-back with hiring and pay freezes. A Nationwide survey found that half […]

Crazy Money! Beware Bitcoin

It’s Crazy Money Day! Warren Buffett and Charlie Munger openly denigrated cryptocurrencies at this year’s annual  Berkshire Hathaway shareholder meeting. Buffett said he wouldn’t pay $25 for all the bitcoin in the world. Munger added, “In my life, I try and avoid things that are stupid, evil and make me look bad in comparison to […]

Prep While You Can

Are you financially preparing for the times we’re in?  There’s plenty of reasons to be financially wise these days. There are supply chain issues, inflationary pressures, and the prospect of worldwide food shortages. We don’t know if, when, or how these will affect us. However, taking simple steps today will enable us to confidently face […]

Crazy Money! Joss Paper

It’s Crazy Money Day! What you believe is expressed in your use of money. Several years ago, I was invited to teach in Taiwan. Walking back to my hotel with my hosts, we passed what looked like street vendors along the sidewalk. Every 50 to 100 feet, crouched around a small stove with an open […]

GAP Clause in Real Estate

Are you familiar with the ‘GAP clause’ in real estate? When home prices accelerate quickly, appraisals may not reflect current values. An appraisal gap clause is an addendum to a contract. It confirms that the buyer will cover any difference between a home’s appraised value and their offer. It gives sellers comfort in knowing a […]

Four Things to Remember in Volatile Times

Are you uneasy about the stock market? Ron Blue Trust of Houston, TX advises us to remember 4 things during volatile markets.  First, God is in control. Our hope rests in Him, not the accumulation of money and assets. 1 Timothy 6:17 says, “Instruct those who are rich in the present age not to be conceited […]

Worshiping Idols?

Idolatry comes in many forms… We look at jealousy as a negative characteristic, but with God, it’s a righteous response. He’s the only One worthy of our worship and He told us to have no other gods before him. Most believers would admit that worshiping money or material possessions is unacceptable. Yet, where is our […]