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From the CEO
By Dr. Peter Robbins
Did you know you’re in competition? It’s the one that we all battle each day of our life…spiritual warfare! We are in a battle and it continues to press in our daily lives. Satan is after us in so many ways - in our relationships, workplace, parenting, finances, and decision making. The first sign of this is our increasing selfishness. Satan wants us to forsake all others and think of self, God wants us to lose ourselves in serving others. It’s a tough tug-o-war, and to win we need others to help us pull the rope. That is why …
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WHOSE FAULT IS IT - MINE OR YOURS?
The 'Hot Potato' of Blame in Your Marriage
Facts and Fallacies of Intimacy: Part 2
By Dr. Kevin Downing
The word ‘fault’ belongs to the family of what we call ‘black and white’ language. ‘Fault’ is a cousin to ‘you always’ and ‘you never’. Rarely are ‘black and white’ statements true - especially when we try to assign ‘fault’ or ‘blame’ in marriage. You often see it in children who keep egging each other on. They fan the flames of …
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GAINING GROUND ON WORRY AND ANXIETY
By Heather Logsdon, MFT Registered Intern
To help yourself with this, take some time to explore your expectations of life. If an honest assessment reveals that you feel things should be easy, or go your way most of the time, your expectations may just be unrealistic. To combat unrealistic expectations that can encourage a false sense of control; it helps to think more intentionally about what IS going well for you! Do this often!! If you do this, you will notice …
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WHY SHOULD YOU GET OUT OF DEBT!
By Bob Lotich
YOU DON’T HAVE TO BE IN DEBT
I always thought that debt was just a way of life. I accepted the fact that I would always have a car payment. Everyone has credit cards, so I just assumed if everyone was doing it, it was okay.
Then something changed. I decided that rather than always having a car payment, I wanted to never take out a loan on a car again. Sure, in the short term I might not be able to drive the car of my dreams, but what I found was that the little sacrifice has been and will continue to yield tremendous fruit.
Think about it - most of the companies advertising have some form of credit or financing they are offering. So, everything we hear from them is going to try to convince us that being in debt is normal, fun, and what…
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10 FREE HOUSEHOLD BUDGET SPREADSHEETS
By Bob Lotich
Each one of the sheets below are free and are designed to be used with Excel, but will more than likely work if you use OpenOffice (basically a free version of Microsoft Office). Some may also work with Google Docs, but I have had bad luck with some of my imports into Google Docs.
Each of the budgeting sheets below have their own strengths and weaknesses, so try them out, see what works, and make tweaks...
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WHEN SHOPPING FOR A MORTGAGE, KNOW HOW TO BARGAIN
By Jack Guttentag,
Bargaining power is the power to influence the terms of the transaction by threatening not to do it. The bargaining power of borrowers is inseparable from the knowledge that they have it and their willingness to use it. Borrowers entering transactions with the mindset of petitioners seeking favors are not aware of having bargaining power, and as a result do not have any. They have potential bargaining power, which does them no good.
The potential bargaining power of borrowers is greatest on a refinance, because typically they have no time limit on when the money is needed. This usually means that they can
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SERVANT QUARTERS
PRAYER by Gayle Erwin - Pastor, Author, Editor
Many times, the subject of prayer is made attractive by describing its power and Biblical basis, while, at the same time, it is made unavailable by the approach taught. For instance: "For power in prayer, one hour is the minimum!" "For power in prayer, physical discomfort is...
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