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Steps to a Proverbs Life

Steps to a Proverbs Life

    It seems easy to make the decision that focuses on self. Self likes to be the center of everything. Self likes to have all the attention. Self-centeredness is…

Problems with no credit score?

Problems with no credit score?

    Dear Dave, I’m 20 years old, and I’m trying to get out of debt. However, I’m concerned about what might happen when I’m older and don’t have a…

Who Do You Believe

Who Do You Believe

    My son and I were having a discussion recently. I felt that my information was best and he felt like he had gotten valuable information from another direction.…

Your bank’s advice is bad

Your bank’s advice is bad

  Dear Dave, I want to roll over a 401(k), and my bank is encouraging me to roll it over to fixed annuities. Is this a good investment? John Dear…

Thoughts Hindered by Words

Thoughts Hindered by Words

    “Quit talking for a minute and just listen.” Trying to get emotions to stop and listen can be a challenge. When it involves teenagers (or spouses) it can…

Extravagant giving, foolish spending?

Extravagant giving, foolish spending?

  Dear Dave, My husband and I are debt-free, and we have several hundred thousand dollars in savings. We pay for our children and grandchildren to visit during Christmas each…

Turn the Beat Around

Turn the Beat Around

    I lost my coffee – somewhere between the kitchen and the computer I managed to misplace the coffee. That is never a good start to the morning. It…

Financial Russian Roulette

Financial Russian Roulette

  Dear Dave, My wife and I are debt-free except for our home. She travels one week per month and charges her expenses to a personal credit card for reimbursement…

Interval Training – or the Truth Behind the Wait

Interval Training – or the Truth Behind the Wait

    I waited. I sat there with my hands crossed and a smile on my face. Patience exuded from every pore in my body. Contentment filled my heart and…

Out of the Box Living

Out of the Box Living

I have had enough. It seems that no matter what direction I turn, things are not working out. I turned to the left and hit a wall. I turned to…

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