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Crazy Money Day – Black Friday

It’s Crazy Money Day! Today is Black Friday and we know from the past how crazy it can get. So let’s put things in perspective. The prophet Haggai was sent to bring an important message to the people of Judah. He said: “The silver is mine, and the gold is mine, declares the Lord of […]

Thanksgiving Day

Thanksgiving is a one day holiday. The Bible tells us to remember the work of the Lord. Let’s make it our daily practice. In Psalm 77 it says: “I will remember the deeds of the Lord; yes, I will remember your wonders of old. I will ponder all your work, and meditate on your mighty […]

Refinancing Tips

Refinancing can save you lots of money. Many are refinancing in order to save thousands of dollars in interest. Compare annual percentage rates among reputable lenders. I like Bankrate.com. If you can reduce your existing rate, pick a broker based on their reviews. Compute the time to recover your closing costs then lock into a […]

Give: Tip Generously

Do you enjoy giving? The restaurant and hospitality industry has suffered huge losses with Covid-19. We can show our appreciation for their service by doing business with them and being generous. Tipping is expected for waiters and waitresses. Others who serve you are deserving, as well – like food delivery drivers, parking attendants, and hotel […]

Be Content by Breaking Free of Materialism

Resist overspending during the holidays! Holidays reveal the contrast between the world and the Kingdom of God. Consider the advertising messages. You work hard, you deserve this! Go ahead, splurge a little. You only live once. Spoil the children! A well-decorated home and Pinterest-worthy meal are expected if you’re going to host others. Equating love […]

Tommy Hilfiger’s Home For Sale

It’s Crazy Money Day! Tommy Hilfiger’s estate in Greenwich, CT came on the market for $47 million. It was purchased for $31 million in 2010, then renovated and updated. Many are working on homes during Covid resulting in increased prices for materials and long waits for professional services. According to Remodeling Magazine you’re less likely to […]

Avoid Over-Improving Investment Property

Interested in flipping houses? A nightmare that ‘flipping’ novices encounter is over-improving a property. You can avoid that by pulling up comparables of recent home sales in the area where you plan to sell. Appraisers do this to find the fair market value of homes. That will help you determine how much money you can […]

Write Companies – Cliff Bar Story

Ever been disappointed in a purchase? My wife, Ann, regularly buys Cliff Bars. Recently she discovered numerous bars that were abnormally small. Instead of returning them to the retailer, she went directly to Cliff Bars. Ann mailed an unopened bar to customer service. She enclosed a letter explaining that we’re regular customers, but this last […]

Avoid Robinhood App Mistakes

You can increase giving through wise investing. ‘Robinhood’ is a free-trading app that doesn’t charge commissions or fees. It appeals to mobile users with a median age of 30, but let me give you two warnings: don’t borrow money to invest and don’t invest in anything that you don’t understand. Borrowing money as part of […]

Prioritize to Plan for Worst Case Scenario

It’s always wise to improve your savings!  A year ago, many of us were making plans for 2020 without any thought of a major pandemic or economic tsunami. Those with adequate emergency savings could cover their expenses when incomes dropped or jobs were lost. Priorities affect saving, especially when preparing for a worst-case scenario. What […]

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