Do you feel like you are in debt prison? Are you in financial turmoil wondering how you can continue to keep everything from imploding on you? Did you know that there were actually debtor prisons in America before the Revolutionary War? Robert Morris, a signer of the Declaration of Independence, was imprisoned in the 1700’s for failure to pay debts. The bible also warns against borrowing more than we can afford to pay. Proverbs 22:26-27 says do not be a man who strikes hands in pledge or puts up security for debts; if you lack the means to pay, your very bed will be snatched from under you.
Credit card use has continued to grow in leaps and bounds. From 1996 to 2005, the total number of bank credit cards almost doubled. In 2004 alone, credit card companies generated $43 billion in fee income from late payment, over-limit, and balance transfer fees. The Federal Reserve reports that the total US consumer revolving debt reached 2.46 trillion in 2007. This large increase in card usage has created a “fee feeding frenzy,” among credit card issuers. The whole credit card industry has really evolved for the benefit of creditors in recent years, with […]
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Relationships are a part of everyone’s life. A large part of my professional life has focused on helping clients have healthy, happy relationships whether it is with their co-workers, spouse, children, parents, or friends. Having healthy relationships is also an important sign of Emotional Intelligence. How do you express caring, appreciation and/or love to the people who are special to you?When you are with someone you care about (adult to adult or adult to child), you tend to say and do things for the other person that makes you feel cared about, appreciated, or loved. This is your primary “love language.”To me, it is like having a target with a bull’s eye. When I ask couples to tell me three things they say or do to communicate appreciation or caring for each other, often only one item hits the bull’s eye. This means most of the intent of the message is lost.In my experience, usually people are putting effort into saying or doing the things they hope will make the other person feel appreciated and/or loved. However, unless you know what makes the other person feel valued, the effort is wasted. You […]
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