Archive for Finances

The Power of Forgiveness

Forgiveness has more power than any medicine I know or will ever be discovered. As much as some people might believe that forgiveness is a sign of weakness, in fact it is a sign of strength that will promote one’s life expectancy.  For those who read or believe in the Bible, Prophet Nehemiah says, “Every […]

what happens to abused and neglected when they turn 18?

Children are placed in foster care homes or other foster care facilities when the state deems their home and family situations to be unhealthy, unsafe or when parents are no longer able to care for a child for whatever reason. While foster care can be supportive and nurturing, the living situations often lack the permanency […]

knowledge vs experience:

Some people have argued that if you can have a good job with a good pay, or a business with a good return/ income to support yourself and others, then, education is not as important. Knowledge is the years of schooling you need to gain the credentials for a great career. This can become handy […]

why do some people succeed and others fail?

Why do some people succeed in life and others don’t? “Whatever your decision on improving your life—physically, mentally, spiritually, financially, or psychologically—it has to start now. Many times when we wait to make a good decision, the consequences might be greater than the cost. I have also learned that forgiveness is not only for sins […]

Technology for 21st century!

Nowadays, the overwhelming technological and scientific advancements taking place in every aspect of our lives are a commonplace for the younger generations, who for evident reasons have a better access to these advancements. Millions of children and teenagers can’t conceive a world without iPods, cell phones with cameras and GPS, chat rooms, social networks and […]

what is ssdi?

SSDI (Social Security Disability Insurance) SSDI (Save, Spend, Donate, Invest) As a welcome gift to my sixteen years old, I gave her a piggy bank with $16.00 to start managing money. Her weekly allowance will be $10.00. She will SSDI $4.00 a month. By the end of the year, she will have $48.00.  $4×12 months […]

Debt and Psychology

Some people are relieved now that the tax return is behind them, while some are struggling with debts or refunds they did not anticipate. “I projected onto money the power to fulfill my fantasies, calm my fears, and ease the pain…,” (p.51). However, when we spend on credit we are buying this dream with someone […]

Who will teach abused and neglected children how to save?

Many of abused and neglected children do not have the opportunity that regular children living with their parents have. Many of these children exit the system with no money saved or any knowledge of savings. CCAAFP’s goal is to help these young girls to learn some independent skills including  -gaining employment, budgeting, balancing check book […]

Teaching Adults How To Save

In other cultures, children do not move out of their parents’ home.  For example, Kenyan culture allows males to build their homes in their parents homestead and females are expected to get married and move to the  man’s home.  Note: An unmarried female cannot build a house in her father’s homestead/compound. When the son’s families are […]

Marriage and Finances:

In chapter four of my book, I talked about Finances and Marriage “In my discussions with married people, majority of them cited stress over their finances” (Betty Odak – Before, After, And Beyond Bankruptcy, Pleasant Word, 2009) Stress is a leading cause of divorce in the United States. The chronic stress that can result in a […]

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