Ecclesiastes 12:10

               There is an old story about a wealthy banker whose wife was away on holiday.  During her travels she ran across a stunning set of jewelry that she just couldn’t live without.  She sent a telegraph to her husband asking if he would be willing to buy the item for her at such large price.  The husband replied with the answer, “No price to high”.  She was overjoyed he thought of her so highly bought the jewelry.  When she returned home, she was confused then to find a very irate husband. When she asked him about why he was angry, he replied, “They left out the comma”.                A comma can make a big difference in a sentence.  Once a comma left out of an 1870 tariff bill cost the United States government one million in lost revenue.  Even though it is a small thing, it still can change a...

               Maybe I am just now seeing something that has always been there, but it seems to me that more and more people are lying about things that don’t really matter.  I see it with appointment times; the person will tell you they will arrive at your home before 10 and well after noon no one is there.  I see it with questions; I ask the clerk, “Do your carry this product?” They will answer “Yes” I will drive over to the store to find out that they don’t really carry it but they can order it.  I see it in planning events, you will ask someone are they going to an event, and they will tell you “Yes, we are excited about it” but when the time comes you find out they made other plans.  Is my car ready to be picked up?  Yes (But it’s not).  Will this be in by tomorrow? Yes (But it won’t be).  Can I get a straight answer? Yes (But you never will).  Over and over, I ask for simple ans...

           Two words can be your finical ruin: Minimum Payment. As many Americans struggle with making ends meet some have been tempted to “save” money by only making the minimum payment on their credit cards. The common thinking is that it might take you longer but you can eventually pay them off, but in fact, the math just doesn't work out.  If a person has the average amount of credit card debt ($10,679) with rate around 24% (a common rate for those with a bad credit) after ten years they will have paid $26,930 yet still owe $11,790, even if they haven’t put anything else on the card! After 50 years of paying, they still would owe $17,515 although they have paid $165,729. If you lived for a 1000 years and never missed a payment, you would have forked over $5.1 billion to the credit card company, yet still owe them $212 million. You will never be able to pay off your debt!        ...