Archive for the ‘Commentary’ Category

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December 25th, 2009 By: Richard


Post image for Merry Christmas To One And All:  The Original Christmas Story

It can be easy to get caught up in all the commercialism that comes along with Christmas these days,  and allow the focus of the day become more about us – instead of about Him (Jesus Christ).   For me, one thing that always gets me back into the celebratory mood is a reading of the Christmas story. Jesus life is the greatest story ever told, and when you think about how it all started with his birth in extremely humble surroundings, it’s even more amazing.

So without further ado… here it is. The original Christmas story.

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  • struckFound This on Valentine's Day [/caption] Just now I've stumbled upon a website using the StumbleUpon toolbar about a short film titled "Struck". It's a story about a guy being struck by an arrow. The arrow cannot be removed therefore the guy need to live his life with an arrow stuck in his chest.......
  • homelessDo you appreciate what you have? My teenage son came home the other day.  He told his Mom and me that he needed some precooked pasta, zip lock bags, bread and some butter. "Huh? What do you need that for? Are you going to cook dinner??" we asked snickering a little. He calmly replied, "Yes......
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December 24th, 2009 By: Richard


ChristmasVacation

Most people have a Christmas family tradition.  Perhaps you exchange gifts at a certain time of day, go ice skating (at the mall if you live in the south like me), eat a favorite dish, or read the story of Jesus’s birth.  I think our family has adopted most of these traditions.

But one of my favorite things to do during the Christmas season is sit back, relax and watch National Lampoon’s Christmas Vacation.  In a comedic way, this movie takes all the things that typically occur around Christmas time and takes them to an extreme.  Whether it’s hanging Christmas lights, spending time with family or shopping, Clark Griswold finds himself in the middle of them all.

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  • blog traffic exchangePersonal Finance Fantasy Baseball League 2009 The regular baseball season is over.  It's a sure sign that summer has come to an end.  It's also a period of time I go into fantasy sports withdrawal as my fantasy baseball leagues finish.  This year I was fortunate enough to take part in a rotisserie league made up......
  • blog traffic exchangePersonal finance and debt reduction in school? An article on Blueprint for Financial Prosperity entitled Minimum Credit Card Payments Increase, in addition to reminding his readers that minimum payments on credit card balances are doubling from 2% to 4%, reminds everyone of the high cost of paying only the minimum balance. This is years and years of......
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December 23rd, 2009 By: Richard


Post image for Good Customer Service And The Power Of Social Media: eBillme Goes Above And Beyond To Fix A Problem Through Twitter

Christmas shopping season is in full swing, and with it, the long lines, crowded aisles and frazzled shoppers. In an attempt to avoid the stores altogether this year I decided to do most of my shopping online. There are a variety of reasons why I like shopping online. First, you can shop in your underwear, and honestly, who wants to get dressed or have to take a shower to go out and spend money when you can do it from the comfort of your cushy office chair? Second, shopping online allows you to shop around, find online only sales, and get extra cash back.   I love getting a deal!

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  • blog traffic exchangeWhat is my Internal Rate Of Return on Prosper? Why do I want to calculate my Internal Rate of Return (IRR)?  To make sure it is higher than my cost of money - ergo a good investment.  I claim that my cost of money is 5% which I can earn in an Internet savings account.  So my IRR needs......
  • US Federal Reserve Collapse?Biggest Foreign Buyers of U.S. Debt Aside from American financial institutions and the Fed (the buyer of last resort), the largest buyers of US Treasuries and notes are all Asian countries.  You can probably guess which ones. #1 - China . China, more than anyone, is probably most concerned with the value of the US dollar......
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December 16th, 2009 By: Richard


Post image for Do You Deserve To Spend? Is It Ok To Splurge Even When You Don’t Have The Money?

I’ve been thinking about a type of spending lately that I think causes a lot of problems similar to impulse buying.  However, this spending is deliberate.  It’s emotion driven and it can get you into credit card trouble quick, if not careful.

Perhaps it’s at the end of a long week.  Work has been a rough road to travel and there have been other life challenges along the way.  But, you’ve overcome them and here it is, Friday, the end of the week!  You’re excited about the weekend and to finally have the opportunity to relax and have some fun.

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  • oddplaceCutting Home Improvement Costs The cost behind home improvement projects can easily become higher than you anticipated. When you follow a few simple and straight forward guidelines for cutting home improvement costs, you can and will reduce the expenses of your home improvement endeavor in order to save yourself a lot of money in......
  • blog traffic exchange10 Excuses That Keep You in Credit Card Debt My wife and I have several credit cards, however, we never keep a balance and avoid any and all finance charges by paying our statements in full each month. We don't necessary subscribe to the idea that you shouldn't have any credit cards, but everyone needs to understand and use......
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December 4th, 2009 By: Richard


Post image for Credit Cards: Why I Love Them And Why I Hate Them

Why I Love My Credit Card

If you’re read my site for a while you may be a bit surprised to find out that I actually do use a credit card. I’m usually the one that’s first to tell people that they shouldn’t use credit, and that they should save up for things that they buy.

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  • carrieall about rewards credit cards (guest post) Are rewards cards really that great? Should you shell out an annual fee to carry one in your wallet? Will they give your credit score super powers? Here’s an overview of all things rewards-card related, so you can decide their true worth for yourself. Rewards cards rack up perks, but…......
  • penTransUnion Reveals National Credit Card Debt on the Rise TransUnion.com, one of the three major credit bureaus, released the results of an analysis study of the trends in credit card lending specifically for the third quarter of 2008, revealing that credit card debt is on the rise. The report is one part of an ongoing series of quarterly consumer......