Hope for your financial life and beyond

Your Mental To Do List Before Starting a Room Addition

July 5, 2016 by 2 Comments

So you’ve made all your plans and crunched the numbers and are finally ready for a room addition. That’s great news! But are you sure you know what to expect for the next couple months?

room additionMost homeowners think they know exactly what is coming. The truth is that most people have not done a room addition.  Consequently, they overlook some of the details that are involved. To that end, here is a list of daily activities and truths involved with any room addition you need to be aware of.

Prepare For Dust

You need to prepare for the worst if you or members of your family have OCD (obsessive-compulsive disorder) or are used to very clean environments. Things will most definitely get dirty. Walls will be removed, electricity re-routed, grading and excavation among other activities that cause a lot of dust and dirt.

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Managing a Home While on Vacation: Do’s, Don’ts, & Money Saving Tips

May 12, 2016 by 11 Comments

Going on vacation soon? Then you will enjoy this post today by Hank McKinsey, rental property owner and blogger at Homebyhank.com.

Taking a vacation can be a fantastic way to relax and regroup from your daily and weekly routine. While vacations are exciting to prepare for, one thing that often gets neglected is your home.

vacationPrepping your home for your time away will ensure that it stays safe and secure, and things like pets or plants aren’t left without care. Vacations can be expensive, so it’s also important to save money during these preparations. With a few quick tips your home, pets, and garden will be happy even in your absence.

The Basics of Going Away on Vacation

Do’s

As part of your vacation planning you should make sure there is a system in place to help you keep your house safe and secure:

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Daddy Take the Wheel – Adventures With a 15-yr. Old Driver

April 18, 2016 by 14 Comments

Carrie Underwood once famously sang, “Jesus take the wheel – cause I can’t do this on my own.” Recently I’ve gained a new appreciation for her imagery because my 15-year old was issued her learner’s permit. Yes, I can’t believe it…she is learning how to drive. Wasn’t she just in diapers doing her best Fred Flintstone, foot-power imitation in her Little Tikes mobile?

little tikes 2She’s never been behind the wheel of a car before. We don’t live on a farm or have a big yard so she never grew up driving a tractor or lawn mower. The closest she has been to operating a motorized vehicle are go-carts at amusement parks. And of course, those are small and regulated for speed.

Needless to say we are having some fun adventures. I’ve acted like Jesus several times – reaching over to take the wheel to correct a mistake. I’ve had to save a few mailboxes in our subdivision from being clipped by the passenger side, rear view mirror. And there was that one wide turn in our school parking lot that had us headed straight for the second grade classroom. (Shhh…don’t tell the principal.) That was a forceful take the wheel correction.

But she’s learning and getting better each time out.

Funny thing is, I’m re-learning something also that I forget from time to time.

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Audience Alert: An Evolution Occurring at Luke1428

March 28, 2016 by 9 Comments

Six months ago, I shared about going back to work to take on an administrative pastor role at my church. I was already the youth pastor there (still am), so I didn’t know how the time commitment for the new role would impact other areas of my life. I wasn’t sure I’d have the time or desire to keep writing for this blog.

evolutionI emailed quite a few bloggers to share the news and ask for their advice on what to do. Should I keep writing at my current frequency, scale back or consider selling the site? I really was at a loss as to what to do.

Amidst the great responses I received came a noteworthy piece of advice from a very experienced and successful blogger. He said, and I’m paraphrasing here, “Think about whether you want to hold on to the blog as a means of expression and connection. Even if you have to scale back it may be worth it to keep it.”

The meaning I took from his statement was this, “Hey, you never know where a blog can lead or how it may evolve.”

Since then I’ve thought a lot about that statement in relation to my writing, my career and my goals in life. What I’ve discovered is going to cause a minor evolution at Luke1428.

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What Should I Do For My Birthday Today?

March 7, 2016 by 25 Comments

Birthdays come but once a year. Today just so happens to be mine. And with it comes the obligatory question, What should I do for my birthday?

Some birthdays seem bigger than others. When I was a child, my birthday ranked right behind Christmas as the most important day of the year. I’d look forward to March 7th each and every year because it meant parties and cake and presents. I mean, what child doesn’t like to have those things on Christmas or their birthday or on any given day of the year?

what should i do for my birthdayNow, at 43, there is not so much gifting. There are fewer parties. Sometimes there is cake or perhaps a night out – if a babysitter can be found. More than likely though, the kids just come along on said night out.

The decade birthdays draw a bit more attention like when I turned 40. But for the most part I’m finding birthdays in middle age pass quietly without much fanfare.

And I’m OK with that.

A few months ago I spent some time with my grandfather, just a few weeks before his 102nd birthday. As we sat down to dinner one night, the conversation turned to a discussion about things that had occurred during the last year that we were thankful for. I’ll never forget his response when it came time for him to answer.

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Filed Under: Current Events, Inspiration Tagged With: , ,

The Winning Hope and Joy Campaign of Stephen Curry

February 29, 2016 by 3 Comments

In a year when Presidential politics is a fixture in the daily news cycle, another campaign is brewing on the west coast. The Golden State Warriors are a stone’s throw away from having the best regular season record in the history of the NBA. We’ll have to wait a few more games to see if they reach this lofty achievement but this one thing I know – I’ll be glued to the television every time my local cable stations carry their broadcast.

stephen curryThat is because of one player on their team – Stephen Curry. Don’t get me wrong – they have a great team. Having been a high school player and coach myself I love team basketball. But I also love individual greatness. And right now Stephen Curry is doing things that we have never seen before on a basketball court.

I don’t think that’s overstating it. In my youth I grew up watching Bird and Magic. Those who marveled at their no-look passes and competitive spirit know how they revolutionized (and saved) the NBA in the 1980s.

By the time I hit high school and college, Michael Jordan had taken up their banner and again was doing things unseen before. His incredible athleticism and dynamic offensive skills – not to mention being a ferocious defender and competitor – took the NBA to new heights. In my life, he’s the best I’ve ever seen.

Those three did some unique and special things with a ball in their hands. Now almost a decade and half after Jordan, it’s Stephen Curry’s turn. I mean really, have we ever seen someone with such ball handling and jump shooting skills that you have to guard him the moment he crosses half court?

My two oldest kids and I literally jumped out of our chairs screaming Saturday night when he hit the game winner from just inside half court to beat Oklahoma City in overtime. Oh, by the way, that was his 12th three pointer of the game, tying an NBA record. In that game he also broke the record for most three pointers in a season – with 24 games to go. He did this while playing on a weak ankle he had injured in the 3rd quarter. What did I read he had…something like 31 of his 46 total points in the final 18 minutes of play? Unreal.

I’m not here to debate who’s the greatest player ever. To me it doesn’t matter. But what has me diverging today from my normal blog topics is what I see in Stephen Curry. Ironically, it’s the same two things that drew me as a youth to Magic, Michael and Larry.

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Is a Liberal or Conservative President Better for Your Money?

February 15, 2016 by 8 Comments

It’s President’s Day, 2016 and it’s also an election year. America will again be choosing a liberal or conservative candidate to be the next President. We won’t know our choices until the primaries are finished but it will once again be a knock-down, drag-out fight all the way to the November elections. And well it should be – a lot is at stake.

liberal or conservativeThere are many issues on either side of the political spectrum that attract people to the liberal or conservative cause. I’m sure you have a worldview or pet issue that draws you in one direction or the other. Our differences are both a strength and a weakness, propelling us forward at times and hindering us at others.

One area though where the American electorate can find common ground is this: we need money to manage our lives. I don’t see how you can argue with that statement given the nature of our society. Money functions as a tool for living. The more of it we have, the better off we are when it comes to running our day to day lives.

So during an election year is a good time to ask, “Which philosophical viewpoint – liberal or conservative – gives me the best chance to succeed with money?” Whoever becomes the next President will surely promote his or her agenda to the American people. Their views about money, economics, businesses, taxes and foreign affairs will have a dramatic impact on our pocketbooks. Not that you should only vote based on your wallet but it is a major factor to consider.

To answer the question, I’ll start the only place I know – with the actual viewpoints.

Liberal or Conservative Worldview on Money?

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Filed Under: Current Events, Leadership, Managing Money Tagged With: , ,

The Best Home Renovation Projects That Hold Their Value

January 25, 2016 by 17 Comments

home renovation projectsIt’s the depths of winter but spring will be here before you know it. With that your thoughts might be turning to that home renovation project you’ve been waiting for. Now’s the time to get the final plans and cost in place so when the weather turns nice you can hit the ground running.

A home renovation isn’t simply painting a room or putting down new carpet. Those things are nice to do and are needed from time to time. When I say home renovation I’m referring to big projects…ones for which you might want to call in a contractor. For the most part these are projects that are going to cost thousands of dollars, maybe even reach into 6 figures.

With that much money at stake it’s important to do your research ahead of time. One of the big issues is how much return you can expect to receive on your home renovation investment. You don’t want to dump $20,000 into a project only to see it’s value dwindle to nothing.

We’ve been thinking recently about finishing our basement. We could add several additional rooms of living space there along with perhaps a bathroom. We know it would add value to our home life (giving us more personal space) and add value to the home itself. But how much money to put into it is the real question. What could we expect to get back in value if we ever sell our home?

With that in mind, check out this infographic from Contractor Quotes. It shows the typical cost of each major home renovation and what you can expect to recoup in cost when you sell your home.

Home Renovation Projects That Increase a Home’s Value

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Fighting the Battle of the Bulge, the Bustle and the Bling in 2016

January 4, 2016 by 10 Comments

I’ve come to realize there are three big battles I fight like the plague. They are tenacious, hounding me like the Bumpuses’ dogs after a Christmas turkey. There’s no way around them. Inevitably I’ll continue to fight the battle of the bulge, the battle of the bustle and the battle of the bling again this year.

battle of the bulgeI don’t think I’m alone either. I do enough surfing around the net to know better. So I draw a little comfort in knowing I’m not alone when I see other people lamenting about what has become my ongoing battles with:

  1. A healthy lifestyle,
  2. A hectic lifestyle, and
  3. A materialistic lifestyle.

I doubt I’ll ever gain total victory over these three relentless monsters. But I have to keep fighting. Otherwise they will overtake me and I’ll be completely undone.

The Battle of the Bulge

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10 Last Minute Gift Ideas For Him This Christmas

December 21, 2015 by 7 Comments

Do you have trouble shopping for that special guy in your life? Let’s face it, men are tough to shop for. It’s not easy to crack our code and find out what we’d really like to receive as a gift.

last minute gift ideas for himWaiting until the last minute to shop of course adds even more pressure. You’ll probably panic and end up buying him some socks. Not that we wouldn’t appreciate it – we’ll love any gift we get (or at least pretend to love it). In the interests of helping my men-fellows though, here are some last minute gift ideas for him that we’d appreciate even more.

Last Minute Gift Ideas For Him

Of course you know your man best. Some of these last minute gift ideas for him may not work. Additionally, you may have financial limitations that prevent these purchases. But I’m pretty sure, if you can afford it, he’ll absolutely love these items:

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Filed Under: Current Events, Marriage, Spending Tagged With: , , ,

Cheap Christmas Activities for Kids to Cure the Boredom

December 7, 2015 by 15 Comments

Several weeks ago my kids had several days off for Thanksgiving break. Within two hours of being home from school they were showing signs of boredom. I guess being out of their natural school routine was a shock to their system and they didn’t know what to do. Sound familiar?

christmas activities for kidsIt occurred to me that a more serious situation would be coming up soon – two weeks for Christmas break. Yikes! What Christmas activities for kids could I find to keep them from being bored out of their mind for that length of time?

Really it’s only the first week of break that is a concern – the week leading up to Christmas. So that’s five days or so that I have to keep them busy. After the 25th – with all the presents they receive – they usually have enough to occupy their interest and keep them busy until they return to school.

Of course I will grant them a small portion of their time to watch some TV and play video games. They’ve earned it with all the hard work they’ve put in at school. But I don’t want those two activities to take up the majority of the day.

And I certainly don’t want to be spending a lot of money on activities seeing how we are already spending a lot for gifts.

So here are some Christmas activities for kids I’ve come up with and will do my best to implement over that first week of Christmas break. I don’t know how original these are but by golly my kids are doing them. I don’t want to hear them whining about being bored.

Christmas Activities for Kids

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