Hope for your financial life and beyond

When It’s a Challenge to Say I Am Thankful for You

Recently I had the chance to reconnect with someone who meant a great deal to me many years ago. My youth pastor took an interest in me when I was in the 8th grade. Not only did he become a mentor but someone I considered a friend (as much as a teen can have an adult i am thankful for youfriend). I don’t know where I would have ended if not for his guidance and counsel. So before I left our time together, I said to him how I am thankful for you being in my life.

On the ride home, I got to thinking that I just don’t say I am thankful for you often enough. There are so many people who support me, encourage me and flat out love me no matter what. Life would be a challenge and quite frankly no fun without them. Family, friends, work associates…they lift my spirit on a daily basis.

If you fit into those categories, I am thankful for you being in my life.

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7 Positive Lessons from Job’s Friends on Helping Hurting People

Ever felt like you had no clue how to help someone who was hurting? It doesn’t matter if the pain is physical, emotional or spiritual. Too often we simply freeze, not really knowing how to best help our friends in need.

Should I give them advice? Try to cheer them up? Give them a hug? Offer to help them in some way? Who really knows, right? It’s simply hard to know the appropriate way to respond so as not to hurt or offend them further.

job's friendsThe Bible records a story for us about a man named Job (pronounced “jobe”) who felt some of the deepest emotional pain one could experience. In his time of pain, three of his friends came to be with him. The initial steps they took serve as an example to us all on how to respond when one of our friends is hurting.

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3 Reasons Kids Should Watch Every Moment of Olympic Coverage

Today my kids will drag themselves out of bed and head back to school. Unfortunately, our back to school season is clashing with another major world event happening right now – the 2016 Olympics in Rio de Janeiro. So there will be no more 10-hour, lying on the couch veg-out sessions, flipping back and forth to the many channels of Olympic coverage.

I have to admit I love the summer Olympics. I can do without the opening and closing ceremonies, which I know many people love. But I’ll take anything and everything else that happens. The Olympics are a sports enthusiasts dream.

My love affair with the Olympics started in 1984 when they were hosted by Los Angeles. I was 11 years old and still remember being in awe of the athletic performances. If you are under the age of 25 and have never heard of Carl Lewis, Edwin Moses, Mary Lou Retton, Greg Louganis or the Zola Budd collision you need to spend some time on YouTube. Great athletes with great performances in a great atmosphere.

Now I’m raising four kids who are growing up in an age where there is a greater variety of Olympic events and they have greater access to them. There weren’t 7 stations broadcasting the competitions in those days. And we certainly didn’t have streaming options via computer or mobile phone app.

So far my kids are eating this up. There have only been a few days of Olympic coverage but they are fixed in the TV room, cheering the USA on at every turn. I’m usually one to limit TV and computer viewing because I don’t think it’s healthy for kids to be looking at a screen all day.

But here is why until the Olympics are over I’ll be stretching the viewing limits and bedtimes a little farther even with school being in session.

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Back to School Tips to Manage Your Crazy Mornings

Next week my kids head back to school. YES and DOUBLE YES! They will hate that I’m saying that but after two long summer months it’s time to get back to the school thing. And to celebrate that, I’m going to remind my kids (and all of you who are reading) of some back to school tips that help us manage our crazy mornings.

back to school tipsMornings during the school year can be hectic…am I right? After all the days of sleeping in during the summer, suddenly you are forced back into an early wake up call. And in the span of an hour it seems like you do 100 things to get inside the school building just in time.

It doesn’t have to be so hectic. In fact, I could count on one hand the number of times last year where we were truly rushed and almost didn’t make it to school.

Those who know me will say, “But you only live seven minutes from school!” To which I say, it doesn’t matter. When I worked in education I knew of people who lived that close and seemed to be late every day. So with that in mind, here are some back to school tips that we’ve learned over our 11 years of seeing our kids off to school.

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A Wedding To Do List For After You Say “I Do” (Infographic)

If you are inside of one year until you tie the knot with your significant other, you probably have a million things to accomplish on your wedding to do list. OK, maybe not one million but there are a lot of things to take care of. I’m sure it seems like it’s happening so fast. Just when you check one item off another one pops up.

I’m being reminded of how fun yet frantic wedding planning can be by my cousin. She moved to Georgia a few years ago and wouldn’t you know it met the man of her dreams. They are getting married in May of 2017. And it seems like every time we get together with them she’s telling us of another item she checked off her wedding to do list.

The latest item was the biggie – her wedding dress. Her mom came down last week and the two of them picked out the perfect one. I say it’s perfect because no one has seen it yet. And no one will until wedding day which is fine.

It’s drawing me back in time to so many things that happened for my own wedding 20-plus years ago. I’m remembering some of the things we did right, some of the things we did wrong and some of the things we forgot to do altogether. It’s easy to let things slip by – especially after the wedding.

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The Passenger Effect: Their Valuable Role in a Car and on a Team

For the longest time I was nothing more than a passenger. For the first 16 years of my life I sat dutifully in the front or back passenger’s seat of my parent’s car, being toted around to church, to practices, to public auctions and to well, everything. No one would have given me the clearance to drive at age 8, 10 or 12. I wasn’t ready.

Then in a span of a year everything changed. Permit…driver’s ed class…written test…road test…license. Boom! All of a sudden I could drive. And not even with an adult in the car. I could drive all by myself!

passengerMy role in the vehicle certainly changed at that point. No longer was I a mindless robot staring out the window at the endless farms that dotted the landscape where I grew up. Instead I was an active participant in moving a multi-thousand pound vehicle from point A to point B, with the hope of not incurring or inflicting any damage along the way.

What I soon realized when I first became a driver is how valuable passengers are. It didn’t seem like I had been doing anything important all those years I served as a passenger, sitting in the back seat of my parent’s car. I mostly felt like an innocent tag-along who didn’t impact the process of driving. But passengers can impact the driver in many ways, both for good and for harm.

The Passenger Effect

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Living Through Tragedy When There Are No Answers

I find myself again writing the most difficult of posts. Three years ago it was about one of my high school students who chose to take her own life. This time tragedy struck in our church youth group as on Tuesday we lost a 16-year old girl to the most unlikely of things for someone so young – cardiac arrest.

Her name was Elizabeth and she was a sweet, sweet girl. She was so pleasant to be around. Smiles adorned her face at every turn. And such a committed follower of Jesus.

So young…so healthy…so just getting started on life.

And then she was gone in a heartbeat.

You can read the account as shared by her mother on her Facebook page. As a parent it will make you want to hold your kids tight and cherish the moment. I sure did when my wife and I returned from the hospital.

The toughest part about being with the family at the hospital and helping them work through the funeral arrangements this week was that there are no answers. There are no answers to the “Why did this happen?” question. There are no answers to the “What happened (physically)?” question. There are no answers really at all to how this happened to a perfectly healthy young girl.

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The Best Definition of Teamwork You’ll Ever Read

Like all other basketball enthusiasts, I love the month of March. It is both exciting and maddening as you watch the NCAA basketball tournament unfold. Watching the teams play reminds me of what it means to work as a team. It also points me back to perhaps the best definition of teamwork I’ve ever heard.

definition of teamworkIt’s not from someone related to sports. Rather he was a successful businessman turned philanthropist. He generated an incredible fortune in the steel industry. He believed that great wealth was a sacred trust and that the possessor of such wealth was bound to use it for the good of the community.

If you’ve guessed Andrew Carnegie, you’d be correct.

Being a successful businessman, Carnegie must have known something about leading teams. So it’s no surprise he came up with this definition of teamwork:

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Is a Liberal or Conservative President Better for Your Money?

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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How to Stop the Money Problems in Your Marriage For Good

Are you finding yourself having the same money problems over and over again in your marriage? Tired of fighting with your significant other about money? Well, you are not alone. Money problems consistently ranks as one of the top reasons marriages end in divorce.

money problemsThis should not be surprising to anyone. The big priorities of life such as shelter, food, transportation, careers, education, healthcare and retirement all have money affixed to them as a central core element. Whenever a major life decision has to be made it almost always involves money.

Then when all the minor day-to-day decisions get thrown into the mix, it becomes clear money is at the core of almost everything we do.

I’ll admit when I first got married I wasn’t prepared for the challenges money decisions would create. I thought we could just out-earn whatever expenditures we wanted to have. The more money we could make the more we could get. I thought, “Money problems? We’ll never have them.”

Nor was I prepared for how each of us would bring into the relationship different backgrounds, personalities or opinions. Money is enough to create problems in and of itself. Mix in those three variables and a marriage could be headed for a host of money problems.

The more conflict that comes with money problems, the more discouraged couples get. Every discussion seems to lead into a fight with both parties not listening to the other and becoming more entrenched in their own beliefs. Before long, they are questioning whether or not they are meant for one another.

It’s such a common scenario but it doesn’t have to be this way. Couples can take steps to solve their money problems and live in harmony together.

Steps to Cure the Money Problems

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10 Last Minute Gift Ideas For Him This Christmas

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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