I know Christmas is over, but I wanted to share something I learned this Christmas. As I grow older, and stronger in my faith, the things that are important are more easily discerned from the silly things. This Christmas was a very different Christmas for me, and a lot of it has to do with how much more humble a lot of it felt. For those searching for the financial meaning in this article, it can be found in the... Read more
Since their invention, gift cards have been insanely popular Christmas gifts. Now that the holiday has ended, you’ve probably found yourself with a pile of gift cards waiting to be spent! There are movies to be seen, books to buy, meals to eat and so much more. They make gift cards for everything! Businesses love gift cards for two reasons: You may not use them. Millions of people never use gifts cards. They drop them in shoe boxes, leave them... Read more
What’s the biggest problem with making New Year’s resolutions? They usually don’t stick through February. It’s no surprise either. Most of the time, they’re big hurdles like “lose 50 pounds” or “get out of debt.” Those tasks take a lot of time and you can easily become discouraged if you don’t keep up with it. An easier way to track large goals is to break them down into segments. But an even better way to set New Year’s resolutions is... Read more
Did you get something for Christmas that didn’t fit or that you just don’t like at all? Before you get stuck in the return line for hours only to learn about the store return policy when it’s too late, take a look at the most important points from these stores’ return policies. It’ll save you time and help you to go through that checkout line much faster. Wal Mart Return Policy Most items can be exchanged or refunded with a... Read more
I hope you are blessed this Christmas. Thank you for supporting Faith and Finance – it wouldn’t be here without you! -Tim Read more
The projected 2012 tax brackets have been calculated and shared by the Tax Foundation. The 2012 tax figures were calculated and adjusted based on the CPI-U (consumer price index for urban consumers). Since the inflation rate for the period September 2012 through August 2011 was 2.43%, that figure was used to figure the 2012 tax brackets. Here are the 2012 tax brackets as well as the 2012 standard deduction. Standard Deduction Increase: • For Singles: $5,950 (up $150 from 2011)... Read more
Hopefully you’ve done all your shopping for Christmas already. If not, you still have a few days, but you’d better get on it quick! Surprisingly, you can still order something online and get it by Christmas if you use Amazon Prime. When you sign up for Amazon Prime, you get the option to have many items shipped with free 2 day delivery. So if you’re still needing that last minute gift, you can hop on Amazon to order it and... Read more
So you’re thinking about saving for retirement? Good idea. According to the EBRI, almost half of baby boomers ages 56-62 are at risk of outliving their retirement savings. But you already know that you need to save. The question is how. More specifically it’s this: Should I use an IRA or 401k? IRA vs. 401k – What’s the Difference? When you’re talking about an IRA vs. a 401k, you need to realize first of all that both accounts are qualified... Read more
You’ve probably seen a few ads and articles about Perkstreet Financial. Even Dave Ramsey recommends Perkstreet. So what’s all the hype about? Well I did a little research and even opened my own account so that I could find out myself that Perkstreet is legit. If you’re just finding out about Perkstreet, you might have all kinds of questions. Is Perkstreet Financial a scam? (No, I use the account myself.) Why are they just online? How do the perks work?... Read more
You’ve probably read many of these Bible verses about strength before. A lot of times we’ll stumble on one of these verses when we’re reading and find inspiration in their powerful words. When we’re feeling discouraged, it’s helpful to have an arsenal of verses that remind us of the strength we find in God. Use these along with the list of 100 encouraging Bible verses to renew your mind in God’s word. Sometimes reading the right verse can make all... Read more
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