Hope for your financial life and beyond

All Work and No Play: Combating the Dangers of Workaholism

All work and no playDo not fear. I’m not writing from a snowed in mountain resort lodge. I have to admit for years I assumed the proverb “All work and no play makes Jack a dull boy” came from that Stephen King horror novel turned Jack Nicholson movie thriller The Shining, which mistakenly came in front of my eyes as a youth (thank you older cousins). I say mistakenly because no one under the age of 21 should put that imagery into their head. (And maybe if you are over 21, you shouldn’t either.)

As it turns out the phrase “all work and no play” was originally published in Proverbs in English, Italian, French and Spanish (1659) and is attributed to a writer by the name of James Howell.

The warning of the all work and no play proverb seems clear enough to me. If we don’t release ourselves from the pressures of work from time to time we will become dull and uninteresting. We become like the automated robot on the assembly line who only finds fulfillment in one thing – doing its job. When life becomes our work, we neglect time for hobbies, family, friends, exercise, watching sports, reading, or just plain vegging, all of which could add significant value to life if we let them.

That type of existence doesn’t spark a fire in me at all. Work definitely has value and should be something we take seriously. But life is so much more than working all the time.

So what should people battling with workaholism do? Fortunately, there is a path forward to a better work/life balance.

A Guideline For Work

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How to Enjoy a Life of Guilt Free Spending

guilt freeI would love to enjoy a guilt free life, especially when it comes to spending money. Have you ever heard the same voice rattling around in your head that I’ve heard in mine? It usually says something like, “Why did you spend that money? That was stupid! You know you shouldn’t have done that.”

If you’ve had that thought, then you know you spend the rest of the day kicking yourself and feeling like you’ve done something wrong. Additionally, some time during that same day might be spent seeking forgiveness from your spouse, which can always be a tense situation. And to top it all off, you will spend the rest of the month struggling to figure out how to make the budget cover your spending decision.

Guilt is powerful. But have you ever stopped to consider why?

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6 Shocking Things Your Broke Friends Need to Hear You Say

If you’ve ever gotten into conversations with broke friends about money, you know how hard it is to determine if they actually want your help. There are several ways to figure that out and perhaps lead your discussion to a deeper level. If that happens, you’ll learn more about your friend’s financial struggles and perhaps be able to offer some counsel.

However, the counsel part is when it gets really tough. If you’ve had success with money, the answers seem obvious. You know what must be done.

broke friendsChange your habits.

Spend less and save more by following a budget.

Get out of debt.

Invest, invest, and invest some more.

The sad thing is your broke friends might not want to hear any of that. They are in financial trouble for a whole host of diverse reasons. And those reasons have a grip on their life that will make it hard to break free.

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The Bribe That Fueled the All-Time Greatest Easter Myth

easter mythMoney is at the heart of many cover-ups. Flash enough cash and some people could be encouraged to keep quiet. Make that sum of money big enough and they could even be persuaded to promote lie, even manufacture the greatest Easter myth ever created.

We would call this type of gift a bribe. It’s money given so that you act in someone’s favor – usually in a dishonest or illegal fashion.

Bribes have been given in different circumstances throughout history to conceal an action or advance an agenda. In one instance, a bribe was used to push an Easter myth that continues to be believed by many to this day.

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The Most Important Reason You Do Not Worry About Tomorrow

You’ve probably heard it said at some point, “Hey, do not worry about tomorrow. Focus on today and let the future take care of itself.” That’s not bad advice really. The older I get the more I’m realizing why.

do not worry about tomorrowWe all have things that affect our actions from day to day. Things we’ve done in the past affect us in the present. Things we are doing in the present affect us in the present. And believe it or not, things that we will do in the future affect us in the present even though they haven’t happened yet.

You may be thinking, “How could that possibly be if those events have yet to occur?” Well, it’s not the event per se that affects us. It’s how we think about those yet-to-happen events and how they lead us to worry about them.

Of those three time lines – past, present and future – I think the future one has the greatest potential to stop us in our tracks. Here’s how.

Why You Do Not Worry About Tomorrow

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The Best Advice From God About Playing Video Games

I have a confession to make – I LOVE playing video games. In fact, even today at age 43 – I have to keep myself from playing them because it’s so easy for me to get sucked into their grasp. I can still play all day if I let myself go.

Technology propels society forward perhaps like nothing else. I came of age in a decade where the video game industry saw leaps and bounds like never before. I was seven in 1980 when perhaps the greatest video game of all time was released. Want to take a guess which game that was?

That’s right – Pac-Man.

But the 1980s saw even greater innovations that propelled the numbers of kids and adults playing video games to new heights.

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This Smith and Wesson Stock Chart Reveals Our Biggest Fear

Smith and Wesson stock is reaching heights never seen before in the history of the company. The stock price closed at $29.07 on Friday, just 30 cents shy of it’s all time high. However, that alone doesn’t tell the whole story.

Smith and Wesson stock has been tracing higher for the last five years. As you can see from the stock chart below, on Sept. 26, 2011, it traded at $2.52. If you would have bought then, you’d be looking at a 1,053 percent increase. Not bad for a five-year investment.

smith and wesson stock

Chart courtesy of Morningstar.com

The bulk of the rise in the stock price has occurred since January of 2015. Since that time Smith and Wesson stock has risen from around $10 per share to what we see today. Again, not a bad return for a year and a half investment.

So what’s driving the stock price? Well, in the most basic of investment world terms, it’s company sales. Just a few weeks ago the company announced fourth quarter sales of $221.1 million. That figure was an increase of 22.2% over the fourth quarter of last year.

So the company is growing by selling more of its product. Those sales are leading to increased profits and a healthier company balance sheet. Investors are taking notice and more are purchasing the stock for their portfolios (hence the rise in Smith and Wesson stock price).

“But what’s driving sales?” you might be asking. Well, in case you don’t know Smith and Wesson manufactures and sells firearm products and accessories. That’s right…it’s a gun company.

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

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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How to Eat, Drink and Be Merry the Right Way (Luke 12:13-21)

Hidden Nuggets Series #98 – “And I will say to my soul, ‘Soul, you have many goods laid up for many years; take your ease; eat, drink and be merry.” – Luke 12:19

eat drink and be merry“Eat, drink and be merry for tomorrow we die” is a popular refrain you may have felt or expressed at some point in your life. If you are like me maybe you said it as a joke when you were downing a pint of ice cream swirled with chocolate sauce. As some in recent years have expressed, “You only live once, right?”

Truth is there is great seriousness in the statement and the consequences of adopting this attitude are serious.

There are two basic elements to the “eat, drink and be merry” philosophy towards life:

1) we are all going to die, sooner rather than later and…

2) since #1 is true, then we should live for the moment, enjoying whatever pleasures we can.

But the issue goes even deeper than those two concepts. When we opt for the eat, drink and be merry philosophy we are choosing laziness, neglect of our responsibilities and a forfeiture of the future. We are resting on what we have accomplished and counting on that to sustain us indefinitely.

You may not know the phrase has its origins in the Bible, taken from a story Jesus told of a rich fool.

The Parable of the Rich Fool

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With God All Things Are Possible – Even Saving Rich People

Hidden Nuggets Series #96 – “But Jesus looked at them and said to them, ‘With men this is impossible, but with God all things are possible.” – Matthew 19:26

On one occasion in the Bible a rich young ruler approached Jesus with a very serious question. The man asked Jesus what he must do to inherit eternal life. After a brief back and forth exchange Jesus had this final answer for him:

“If you want to be perfect, go, sell what you have and give to the poor, and you will have treasure in heaven; and come follow me.” (Matthew 19:21)

with god all things are possibleIt’s easy to misinterpret what Jesus was saying to the young man. He was not saying that owning possessions in and of itself is bad. Nor was he saying that a person can buy their way into heaven.

He also wasn’t saying that we all have to give up our wealth to enter heaven. And he certainly was not saying that God favors the poor over the rich. God looks upon all people with equal value regardless of their financial status.

Jesus knew something about this particular man though…something that was keeping him from inheriting eternal life. The man’s reaction to Jesus’ final instruction reveals exactly what it was.

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7 Popular Work at Home Schemes and How to Spot Them

You open your email one morning and there it is ­– the most enticing, perfect job offer you’ve ever seen.“Be part of one of America’s fastest growing industries. Earn thousands of dollars a month…and you can work at home!” the ad reads.

The best part is the job will require very little work.

Work at home scamsIt sounds too good to be true.

Well, you might actually want to slow down for just a minute. How do you really know that job offer is legit? There are many work-at-home schemes that entice people with huge promises. In fact, some work-at-home offers are illegal and could land you in potential trouble should you participate.

Since that is the case, it would be wise for you to know the most popular work-at-home schemes and how to identify if that job offer really is a scam.

Popular Work At Home Schemes

According to the Federal Trade Commission (FTC) and the Federal Bureau of Investigation (FBI), these job offers have been identified as the most common work-at-home schemes:

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