Hope for your financial life and beyond

The Benefits of Getting a Construction Management Degree

construction managerFor those that love to work with their hands, construction may be the career for you. As someone who worked construction for three years through college, I found it extremely rewarding. The people I worked with were great. And the skills I learned translated into adulthood, even though I didn’t pursue it as a career. I’ve been able to save thousands of dollars just doing my own handyman repairs around the house.

This industry has many exciting benefits to offer, even though it goes through some ups and downs at times depending on the economy. Within the industry, there are many jobs that are well-paid, reputable and highly convenient. One such career, construction manager, is highly sought after. For that career, you would likely need to have a construction management degree.

Construction managers are responsible for leading an entire construction team from the start of a project to the completion phase. So these individuals are highly skilled and experienced. Project managers are responsible for looking into each task precisely and ensuring that all jobs are being carried out correctly. That is why construction managers are so critical in the success of a construction project. 

So, what are the benefits of getting a construction management degree? We’ll explore that in this article. 

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Some Considerations When Re-Roofing a House

The most overlooked part of a home is the roof. We know it is up there and we see it every time we turn into our driveway. But we never actually get up on the roof to inspect it. And with the length of warranties that roofing materials usually come with, we pretty much put its maintenance out of our mind. 

Unless it breaks. The only way we pay attention to it is when it starts leaking. Then we obviously pay attention to what is going up there. To not inspect it at that point would be negligence and lead to thousands upon thousands of dollars of additional damage to your home.

You might be surprised to know that the National Roofing Contractors Association recommends you inspect your roof twice per year for any problems.  I certainly didn’t know that before preparing for this article. And honestly, I’ve never done that with any of the six homes I have owned. 

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Secret Advice For Teenagers Who Love to Spend Money

You know who you are – a teenager who loves to spend money like it’s going out of style. You spend money faster than it takes a Snapchat to disappear. Money comes into your hand one minute and flows out like water the next.

spend moneyAnd you like it that way!

If that’s you, I have some special advice today. It’s unusual, maybe even secret advice. I’m pretty sure you’ve never heard any adult say this to you before. In fact, your parents may hate me for saying this because it might go against how they have instructed you to handle money. So I’m actually running a big risk here.

But before I reveal this big secret about spending your money, you have to promise me something.

The promise I’m asking you to make is to read this entire post. You are going to love what I have to say about spending money,  but you can’t take it as stand alone advice without understanding the bigger picture. As they say, the devil is in the details. So I’m asking for five minutes of your time to help you avoid a huge potential failure when spending money.

Ready for the big, secret advice? OK, here goes…

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How To Use Your Home’s Equity To Consolidate Debt

If you want to get rid of high-interest debt, the idea of debt consolidation can be all you need. Since home equity loans are available with minimal interest rates and long repayment schedules, these can be a great tool to use.

For those who do not know, a home equity loan is a form of a loan secured by your home. The money you receive from the home equity loan can be applied for several purposes. This can include remodeling or expanding your home, paying off credit card debts or consolidating multiple loans.

In this article, we will talk about how you can use your home equity to consolidate debt. You can also visit this page for more comprehensive information on this topic. 

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God Places Us For A Purpose – Find Yours

god purposeAre you sick and tired of your job? Wish you could win the Mega-Millions Jackpot and escape to paradise, never to work again? If so, maybe some reflection and a new perspective is in order about your purpose from God.

What you may not realize is that God gave mankind purpose. He endowed humans with the nature to work from the very beginning. They could not escape it, not even in paradise.

In Genesis chapters 1-2, God spectacularly created the universe and all that it contains. He spoke the heavens, planets, stars, plants, animals and finally human beings into existence. At the end of it all, after six days of creation God was very pleased with his creation and rested on the seventh day.

God issued an important command at the end of His creating. He told Adam and Eve, “…have dominion over the fish of the sea, over the birds of the air, and over every living thing that moves on the earth” (Genesis 1:28). In essence, God granted mankind authority to rule what He had just created.

Then God did something awesome. He created a garden of paradise – in a place called Eden. And God gave the first humans a purpose.

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Home Maintenance Items Landlords Should Do Between Tenants

As a landlord, I would love to keep tenants in my properties forever. While some stay a long time, most eventually leave to seek housing elsewhere. This is either by personal choice or through an eviction. Whenever that time comes, it’s the landlord’s responsibility to conduct some home maintenance and get the unit ready for the new tenant.

home maintenanceTurning a rental house around for the new tenants can be a time consuming and financially draining time. Hopefully, as a conscientious and aware landlord, you’ve kept track of what is going on at the property and have a good idea of what to expect in terms of potential home maintenance. There really shouldn’t be any surprises, but it seems like there always is.

Because even minor renovations will cost money and require time to complete, some landlords choose to skimp on or refuse to complete repairs. I disagree with this philosophy. As much as possible, I want the property to be in really good condition for the new tenants so that our relationship begins on the right foot.

Tenants need to know that you are a landlord that prides themselves in the condition of the unit and wants to treat them well. Hopefully your attention to detail and professionalism will bleed into the tenant’s mind and they will in turn do their best to keep the property as clean and damage free as can be expected.

Home Maintenance to Conduct Between Tenants

Some repairs and home maintenance will obviously be required before the new tenant moves in. While all facets of the house need inspection, these five areas are a must for any landlord to address:

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7 Tips on How to Handle a Teenager’s Car Accident

Calls in the middle of the night are never good. Neither is the one when you say “Hello” and your teenager is crying on the other end. Your heart immediately drops because you are scared and know they are hurting. That was my experience anyway when I got a call from my daughter after her first car accident.

car accidentShe had just left basketball practice and was traveling at the legal speed on a country road. As she came up over a small hill and cars were stacked up four deep waiting for someone to turn left. She wasn’t on her phone but admittedly was a little tired from practice. By the time she realized what was happening in front of her, it was too late to brake in time. The truck she was driving rear-ended the last car in the line. The driver of that car had her foot slip off the brake and hit the accelerator, propelling her down into the ditch. On the way, she clipped the car in front of her.

As rear-end car accidents go it wasn’t pretty. My daughter’s airbag in the truck deployed. The car she hit obviously had damage in the back end but also in the front, as it hit a telephone pole when it went to the ditch. The third car had minor bumper damage. In the end, our used truck – that we had owned for less than a month – was totaled.

Thankfully, everyone was OK. No hospital visits were needed. And the people involved were pretty nice about it. I think they could see how upset this 16-year old girl was having caused her first accident.

I hope I never have to take that call again from any of my other kids. Odds are though I will. But as the oldest child often does, she broke new ground and helped us figure out how to deal with a teenager’s car accident. So here are 7 things I learned from the incident.

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Should I Cosign? Here Is the Truth About What God Says

“Do not be one of those who shakes hands in a pledge, one of those who is surety [ cosign ] for debts.” – Proverbs 22:26

If you’ve ever had a situation where a friend or family member asked you to cosign a loan, you know it’s a tough spot to be in. On the one hand, you want to help. But the idea of being responsible for someone’s debt has you a little squeamish.

cosignSay “No” to them and it seems like you don’t care.

Say “Yes” to them and you are opening yourself up to financial risk.

Maybe as you thought about what to do, you should have considered asking this question: “What does God have to say about it? Would He want me to cosign for this loan?” It may never have occurred to you to seek advice from a higher power.

The truth is God talks a lot about money in the Bible. He even has advice about cosigning which really surprised me when I found it. For anyone really, the real world application is sound. But especially for people of faith, His advice is worth listening to.

God’s Advice on Whether to Cosign

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A Reason to Look at a Career in Occupational Therapy

We have written many times about careers – how to find one and how to change one. One of the key aspects of finding a career that fits your life is to focus on what you enjoy doing. And, perhaps more importantly, how does the career fit your unique personality.

A desire to help other people is a characteristic of some personality types. The cool thing about this is that this characteristic can translate into your working life. A career that allows you to help people and make a great living can be very attractive to those with this trait.

Many people opt for careers that make them incredibly dissatisfied and unfulfilled. That is the last thing you want to do. Your career defines so much about you and takes up a great amount of your time. Why would you want a career that did not bring satisfaction and fulfillment?

Of course, one field that fits perfectly with those who like to help others is healthcare. Within this field, you may first only think about doctors or nurses. But beyond these traditional jobs, there are many career paths to choose from which are incredibly enriching. Not only that, but they can be very prosperous over the long term.

One such career you may not think of right away is one as an occupational therapist. Let’s explore that career a bit here today. 

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Solar Energy: Is It a Worthwhile Investment?

The history and development of solar energy is quite fascinating. It has been a viable option for electricity for some time. But for the consumer marketplace, it started to became affordable around 2005. 

In relationship to the cost effectiveness of solar energy for consumer, a growing awareness of environmental concerns has developed in recent years. Solar systems and the green energy movement have coincided with one another. Those considering “going green” often look to solar energy as a first step in those efforts.

Additionally, solar panels can have economic benefits to the consumer. Of course, people are looking to them to save money in their monthly budget. But others are also considering the investment side of solar energy. One, as an investment in their current home. And two, as an investment in which they can diversify their cash and make money in the long run. 

So is solar energy right for you as a cost savings measure or as an investment? Here are some beginning things to consider.

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6 Key Areas Small Businesses Can Save Money Today 

Small businesses, more than any other type of business, have been hit especially hard over the last year. In fact, the effects of Covid-19 have wiped some small business owners out. They have been forced to close their doors as a result in the disruption of their business.

zoom meetingSmall businesses often operate on small budgets. In contrast, big brands like the Walmarts and Apples of the world have more ability to throw money at whatever project or marketing campaign they feel like. Consequently, small businesses more so than big businesses must remain diligent and work within their budgets. If they don’t, it can result in financial disaster.

Financial problems are difficult to avoid any time but even more so in difficult economic environments. Quite simply, saving money is more important now than ever before for small businesses.

So what is a small business to do? What areas can they focus on to try and cut costs? What will help them stay within the confines of their budget, whether operating in good times or bad?

Here are six key areas where your small business can start saving money immediately.

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