Category Archives: Thoughts from Howard

4 Ways To Achieve Your Goals This Year

  Have you already broken your New Year’s Resolutions? You’re not alone. A study found only 8% of people keep their resolutions for four weeks!   I don’t do resolutions, but I’ve learned how to make real progress on achieving … Continue reading

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Teaching Your Teen To Be Money Smart

  When our children were teenagers, we learned that the key to successfully teaching them the biblical perspective of money making and God’s way of money management was to be MVP parents! The M stands for Modeling, the V stands … Continue reading

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When Interest Rates Go Up, What Goes Down?

  The Federal Reserve raised interest rates ¼ percent on Wednesday, and indicated they were going to raise rates three times in 2017. Since the election, rates on a typical 30-year mortgage have increased by about three quarters of a … Continue reading

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Attitudes In Giving

    Few areas of the Christian life can be more misunderstood and frustrating than that of generosity. My entire perspective changed after learning what the Bible actually teaches—suddenly I wanted to be generous. But then I was frustrated by … Continue reading

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Vote For America

The most contentious campaign in our lifetime for the office of president is thankfully drawing to a close. Now is the time for “we the people” to vote for those who will lead our local, state and national governments.   … Continue reading

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Explaining Financial Lingo

  Financial lingo can sometimes sound like a foreign language. What are indexed annuities? What is an amortization schedule? How ’bout a no-load fund? Well, if you sometimes hear financial terms and you don’t quite know what they all mean, … Continue reading

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The Importance Of Budgeting

  When you hear the word budget, what’s your reaction? If you’re like most people, confining orcomplex come to mind . . . a financial straightjacket that’s going to require hours of tedious bookkeeping. That’s why we call it a … Continue reading

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