Short-term Level Life Insurance

If you have a family, you need to have short-term level life insurance not universal, whole life, or variable life insurance.  This provides protection for your family. The recommended amount of life insurance to carry is ten times your annual…

Income tax consequences on a short sale

                Are there any income tax consequences on a short sale? No, not this year at least. Last year, Congress extended the exclusion for another year. If they had not extended it and…

Home loan mortgages to avoid

The home loan mortgages to avoid are : Interest only loans Adjustable Rate Mortgages (ARM’s) Balloon Loans The reason to avoid Interest only loans is because you never pay any money towards the principal loan amount that you borrowed. You’ll…

Your Word is a Lamp

For today’s devotional, delight in God’s word and discover the timeless wisdom of these scriptures, as featured in the gift book God’s Wisdom for Mothers: Delight yourself also in the Lord, and He shall give you the desires of your heart.…

You’ll Never Be Ready

He [Abraham] did not know where he was going. — Hebrews 11:8  Go. Set. Ready. You’ll never be ready. You’ll never be ready to get married. You’ll never be ready to have kids. You’ll never be ready to start a business…

The Purpose of Prayer

“This happened so that the works of God might be displayed in him.” — John 9:3 (NIV) The primary purpose of prayer is not to change circumstances; the primary purpose of prayer is to change us! But either way, the…

Quit Praying

  Well done, good and faithful servant! — Matthew 25:23 One of the defining moments in my prayer life happened a decade ago. I was in a small group with a friend who worked for InterVarsity Christian Fellowship at Georgetown University.…

Sending It Ahead

THURSDAY, MAY 2, 2013 “Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal; but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and…

Forgiveness: Receive the Gift of Grace

Today I will remember that my failure to forgive myself is a prideful choice to not receive your grace.  If anyone is in Christ, the new creation has come. The old has gone. The new is here! — 2 Corinthians 5:17 What…