ChristianPF

B ecause losing a spouse is commonly considered to be the most stressful event which can happen in a person’s lifetime, the surviving spouse faces the dilemma of needing to make clear financial decisions while dealing with the trauma of this loss.  This “Do’s and Don’ts” checklist will help give direction to those who are navigating these rough waters. Some Don’ts Do not make any major financial decisions for one year. You need time to grieve, so decide up front that major decisions... Read Full Story

This article, Where To Buy Bulk Spices And Herbs – A Comparison of Bulk Herb Suppliers , was originally published at Natural Health Ezine . I have studied herbal medicine for almost 20 years. In the beginning, I purchased small quantities of herbs at the local health food store. That is great if you just want a teaspoon of something; but not so cost effective if you want a pound. After further learning and wanting to use more herbal preparations for our family, I started buying our herbs in... Read Full Story

According to the American Pet Products Association’s annual survey for 2011-12 , 39% of Americans own at least one dog, and 33% own at least one cat. This survey also states that pet owners spend a little over $200 annually for routine veterinarian visits. I would like to show you 5 ways that you can save money on your pet bills . 1. Initial Purchase Our family owned a pure-bred Collie that we got free from a breeder that was having trouble selling the last two from a litter. While in a... Read Full Story

email Okay so maybe you have been blogging for awhile, but not a whole lot is happening. Assuming you know the mechanics of SEO, social media, and keyword research, what else can you do to elevate traffic to your site? Here are 3 things for you to consider: 1. Freshness – Post on a regular basis My first bit of advice would be to challenge you to post more often. It is a known fact that Google likes websites that are updating fresh new content on a regular basis. I am not suggesting... Read Full Story

As I write this article, I have exactly 32 other things to do that I’ve labeled high priority . In addition, I have 39 things to do that are medium priority . And, lingering toward the end of the list, I have 21 things to do that are low priority . You might think that I’m overwhelmed. But guess what? I’m not. Here’s how you too can take your productivity to a whole new level while keeping your stress down. These ideas will work whether you’re running a home-based business  or simply... Read Full Story

Budgeting can be difficult at times. Some don’t see it that way. They just put out a budget every month that is exactly the same as any and every other month (what Dave Ramsey calls “the perfect month from heaven”). When we really stop and think, though, we all know that no two months are exactly alike. What are Gotcha Expenses? Even knowing that, however, there are some months where we have “gotcha” expenses. These are the times in the year when we have to pay annual dues, or for a semi... Read Full Story

This article, The Health Benefits Of Keeping A Dream Journal , was originally published at Natural Health Ezine . Journaling is good for your health in more ways than one – but what about a dream journal? Research into what our dreams mean has been contested by significant names in history such as Sigmund Freud (1856-1939) and Carl Jung (1875-1961) for centuries and, although in many ways we are no scientifically nearer the truth than before, keeping a dream journal can be good for your... Read Full Story

Have you given your retirement much thought lately?  According to the Employee Benefit Research Institute, nearly 50% of Baby Boomers and Gen Xers are at risk of not having enough retirement income to cover even basic expenses and uninsured health care costs.  That figure jumps to 70% when you look at the low-income households in America. The reality of retirement hits us at different stages of our life, but the questions always seem to be the same.  Will I have enough?  How should I be... Read Full Story

H ave you ever met a successful person who did not encounter some failures along the way?  I know I haven’t … it seems that failure is inextricably blended into the pathway toward success .  Fortunately for us, some very famous people have traveled this path.  What can we learn from these “famous failures”? 1. Never give up .  (Winston Churchill) Churchill failed sixth grade and was defeated in every election for public office until he became Prime Minister of England at the age of 62... Read Full Story

When a semester of college can cost more than a parent makes in a year, it is time to look for help. And although the mountain looks immovable, we need to remember that our Father owns the cattle on a thousand hills. If we know we are in His will for our future, He will provide the needed funds. With that in mind, I’d like to share 6 ways to cut that school bill down without taking out student loans. Graduate debt free ! 1. Keep Your Grades Up I earned a full paid scholarship to the local... Read Full Story