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Protect Your Identity

Are you actively protecting your identity? Last November, Ann and I cleared out boxes and boxes of paperwork. There was so much that it would have taken days to shred. So I hauled it out back and burned it. We have a dependable paper shredder that I bought at Costco. It has a cross-cut design […]

Empty Your Storage Unit and Save $

Do you need extra money this month? Empty your storage unit! We have way too much stuff and we pay too much to store it. Now that’s a problem! Go Banking Rates reports that nearly 10% of U.S. households rent a self-storage unit. They pay an average of $89 a month. Now that adds up […]

Unemployment Benefits & Taxes

Have you received unemployment benefits this year? The IRS counts unemployment benefits as taxable income. There are three ways to prepare now and avoid a painful surprise next April. Elect to withhold 10% of your unemployment compensation by filling out IRS Form W-4V. It will withhold that amount in future benefits but it’s not retroactive. […]

Will and Trust Planning

Planning a vacation? One in five Americans spend more time planning their vacations than managing their finances. Research reveals that the majority of estates lose assets and family harmony because heirs weren’t properly prepared beforehand. Remember to communicate some vital information. First, the location of important documents and the contact information for your attorney, accountant, […]

Overdraft and ATM fees

Americans pay billions of dollars in bank fees and penalties. A banking error can be expensive. Just because your ATM shows a balance doesn’t mean it’s right. Sometimes checks or transactions simply haven’t cleared. Bankrate.com reports that overdraft fees average $33. That’s why it’s important to keep a current balance. Now if you overdraw, make […]

The Example Of The Ant

It’s Crazy Money Day, and our lesson today comes from…the ant. Did you know the Bible commends certain creatures? We’re even told to consider one – the tiny little ant. They carry objects fifty times their body weight. Some use their heads to plug holes and block intruders. Some build super colonies that stretch thousands […]

Treating the Root Cause, Not the Symptoms

Have you ever thought if you could just make a little more money, pay off that debt, or have a big nest egg for retirement, all your money problems would just disappear? Well, none of those things are bad – more income can be a blessing, and getting out of debt and saving for retirement […]

Being Financially Prepared For the Unexpected

Surprise expenses are a normal, unsurprising part of life. More than a third of American households say they experienced one last year…but less than 40% could pay for it in cash! Are you prepared for when one hits? We had our share of surprises last year. Our well needed a new pump, trees had to come […]

Stepping Out In Faith With Your Budget

Comedian Milton Berle once said, “It’s amazing how fast later comes when you buy now!” Do you know the feeling? When later hits you before you’re ready, you need a budget. If the word intimidates you, think of it as a plan to prevent overspending and to prepare you for emergency expenses. It’s not meant to restrict your […]

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