bob l. posted an article on Natural Health Tips - Feb 9, 2012, 11:00 am
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 ...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Feb 8, 2012, 11:00 am
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 loo...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Feb 7, 2012, 11:00 am
Have 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 “fa...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Feb 6, 2012, 11:00 am
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. Wit...
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bob l. posted an article on Natural Health Tips - Feb 6, 2012, 10:48 am
This article, Health Benefits of A Rocking Chair, was originally published at Natural Health Ezine. We acquired our first rocking chair when I was pregnant with our first child. After all, who can have a baby without a rocker? Babies and rockers seem to go together. In fact, studies have proven tha...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Feb 3, 2012, 11:00 am
When shopping for a car, you should look for the lowest price for the best quality.  Right?  Well, sort of … in the back of your mind, you realize that, all other things being equal, the car which gets better gas mileage is worth more than the one which doesn’t.  But how much more? And what ...
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bob l. posted an article on Natural Health Tips - Feb 2, 2012, 11:29 am
This article, The Health Risks of a Desk Job, was originally published at Natural Health Ezine. Many people assume that working at a computer all day long is less detrimental to your health than, for example, hard, physical labor. However, if your work regularly includes spending a few hours a day ...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Feb 2, 2012, 11:00 am
In this economy, it seems like you can’t turn on the radio or TV for any extended period of time without hearing commercials for debt settlement or debt consolidation services. Same holds true while surfing the web. Now whether or not these services are even the right choice is a whole other topi...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Feb 1, 2012, 11:00 am
You’ve probably heard about diversifying your investments. But have you heard much about diversifying your income? Probably not. Sometimes the key to financial stability is not to land one job – but several! Here are 7 part-time jobs anyone can start. Oh, and did I mention some of these have b...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Jan 31, 2012, 11:00 am
If you’ve been investing your money for some time—or at least studying up on the subject—you’re no doubt aware of the importance of diversification. The purpose of diversification is to reduce the risk inherent in investing, which improves investment performance (by minimizing losses) in the...
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bob l. posted an article on Natural Health Tips - Jan 30, 2012, 10:57 am
This article, 5 Best Natural Health Books, was originally published at Natural Health Ezine. I thought today I’d share my top 5 natural health reference books. Of course this is just a sampling of what is on my shelf, and I refer to a lot more than this; but these 5 will give you an idea of what ...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Jan 30, 2012, 10:45 am
It isn’t too difficult to find a place to file your federal tax return for free, but finding a service to file your state return for free is another story. I did a little digging and found a few options to consider. But, let’s first start with getting a free federal return… File your federal...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Jan 28, 2012, 9:20 am
Getting Started Series First I want to thank everyone for the great feedback I received about the series. It was great hearing from so many of you about how it helped! If you have feedback (good or bad) or ideas to make the course more helpful send me an email – I want to hear your ideas! When ...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Jan 27, 2012, 8:25 am
Video Intro Can't see the video in your RSS reader or email? Click Here! If you haven’t checked your credit report in a while, lets do it today. While there are many sites that will charge you to check it, you can get a copy of your report from the big 3 credit reporting agencies for free by get...
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bob l. posted an article on Natural Health Tips - Jan 26, 2012, 10:42 am
This article, The Best Flowers For Romance, was originally published at Natural Health Ezine. Many flowers have traditionally been associated with romance throughout the centuries. Rose is perhaps the most well known of romantic flowers. However, did you know that there are several species of other...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Jan 25, 2012, 8:20 am
Video Intro Can't see the video in your RSS reader or email? Click Here! This one is where the rubber meets the road. This is where we see how bad you want to be out of debt. The sacrifice is only temporary! The most important thing to remember as you are reading this is that it is ONLY TEMPORAR...
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bob l. posted an article on Natural Health Tips - Jan 23, 2012, 1:57 pm
This article, Cheddar Potato Soup Recipe, was originally published at Natural Health Ezine. Nothing warms body and soul in January more than a simmering pot of soup. No wonder it has been dubbed National Soup Month. Making a pot of soup involves more than haphazardly throwing a bunch of ingredient...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Jan 23, 2012, 9:09 am
If you don’t have life insurance and you have a family that you support, today is your day. Part of preparation is for our benefit and part of it is for the benefit of our loved ones. In this case you and I won’t have any tangible benefit from purchasing life insurance, but the peace of knowing ...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Jan 20, 2012, 9:00 am
Video Intro Can't see the video in your RSS reader or email? Click Here! 7 steps to put your stuff on eBay As part of my de-cluttering process, I unload a lot of my stuff and random items by selling it on on Ebay. If you have never done it before, you will probably be surprised at how easy it is ...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Jan 18, 2012, 9:00 am
... once every year (everyone’s definition “emergency” is different, so the frequency may ... the typical American response to an emergency (costing our assumed average of $ ... difficult place to start saving for emergency #3 since their minimum payment ... likely (and hopefully) be her...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Jan 17, 2012, 9:11 am
When I was about 14 years old, my uncle suddenly and unexpectedly went home to be with the Lord. He had meticulously taken care of the finances for their family and left my aunt on a very solid financial foundation. Obviously, this didn’t take away the pain of him being gone, but his preparation e...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Jan 16, 2012, 9:00 am
Video Intro Can't see the video in your RSS reader or email? Click Here! What is the best way to start a budget? The first thing that anyone who wants to make a budget must do is to compare their income versus their expenses. The good thing is that it is quite easy to do. To get started you can ...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Jan 13, 2012, 9:00 am
Originally this article started as 16 ways to save money by NOT being normal, but over the years we have written about so many great ways to save money, I thought I would expand on it a bit to create an even larger list of some of the best money saving tips. Video Intro Can't see the video in your...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Jan 12, 2012, 9:08 am
If I told you that you could spend a few hours of your time and it would translate in to thousands or even tens of thousands of dollars saved – would you be interested? Well, refinancing is one way that many of us can do that. Refinancing Video Can't see the video in your RSS reader or email? Cl...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Jan 11, 2012, 9:00 am
So, you spend more than you make – you are not alone This is a tough one. Spending more money than you earn is common practice in the U.S., and increasingly in other countries around the world. Credit card companies have simplified the process so much that it requires quite a bit of discipline to...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Jan 10, 2012, 9:20 am
When managing my my money I love finding quick victories that yield big results. Spending a few minutes getting quotes on car insurance turned out to save me over $530/year. Video Intro Can't see the video in your RSS reader or email? Click Here! I thought I had a great rate already From talking...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Jan 9, 2012, 9:20 am
I heard about the PerkStreet Financial Cash-Back debit card about a year and a half ago and it seemed like a pretty good deal when they were offering 1% cash back on all purchases. But when I found out that they were offering 2% cash back for new customers for the first 3 months, I decided to give i...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Jan 6, 2012, 9:10 am
Video About Negotiating Credit Card Rates Can't see the video in your RSS reader or email? Click Here! How to negotiate a better interest rate A few years ago, when I had over $15,000 of credit card debt, I was often negotiating with credit card companies to get better interest rates. I took a ve...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Jan 5, 2012, 9:00 am
Debt Snowball: The Preferred Method for getting out of debt Creating a debt snowball is my preferred method of getting out of debt. The strength of using this method is that it focuses on the behavioral side of personal finance rather than the mathematical. Since we are not robots that always do ex...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Nov 1, 2011, 11:22 am
It was only five short years ago that I was on the football field, under the bright lights.  I can still remember the fans cheering and coaches play calling.  The sound of Gatorade being sucked down, the sound of cleats on the turf, smashing of pads, it’s still very vivid in my head.  I will mi...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Oct 31, 2011, 4:35 pm
(credit: Sherbet Blossom) Related Articles:New credit card legislation coming soon – interest rates rise, limits go down Another thing I didn’t know about credit cards Free Credit Report Credit Crisis explained | Video Information About The New Credit Card Laws | Roundup 3 new credit card ...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Oct 31, 2011, 11:00 am
Each morning, my inbox is full of messages about a great Daily Deal that will expire if I don’t purchase by midnight.  It all started with Groupon and then I added other local & national deal sites as they’ve popped up with enticing discounts. The Deal may be a great discount – but that does...
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bob l. posted an article on Natural Health Tips - Oct 31, 2011, 10:49 am
This article, Natural Pest Control For Your Home, was originally published at Natural Health Ezine. This summer I wrote about the safe use of pesticides in the yard and garden. But with Fall here, I though I’d share my tips for natural pest control inside your home! House Flies Living in a rura...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Oct 30, 2011, 11:01 am
It could be said that we’re living in the Age of Fear when it comes to finances—it’s been a human lifetime since we’ve had such an intense combination of negatives occurring at the same time. With the state of the economy—a stagnant job market, declining house values, volatile financial m...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Oct 29, 2011, 11:08 am
As some of you know earlier this month I went up to Chicago for the first annual financial bloggers conference. I got to finally meet some of the CPF writers (who I haven’t already) as well as many other great financial bloggers. All in all it was a great experience and I will be going again next ...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Oct 28, 2011, 11:00 am
We’ve heard it before: “I just don’t have time!” It’s the excuse people use when they haven’t accomplished something they should have, or the excuse we use when we’re trying to justify our lack of productivity. Is there anything we can do to make more time? Not really. The only thing w...
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bob l. posted an article on Natural Health Tips - Oct 27, 2011, 11:20 am
This article, Healing Benefits of Bath Salts: Dead Sea Salts and Epsom Salts, was originally published at Natural Health Ezine. The healing benefits of bath salts, both Epsom salts and Dead Sea salts, have been known for centuries. Today, Epsom salts and Dead Sea salts are a popular, natural ingred...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Oct 27, 2011, 11:00 am
Picture this scenario: You have a meeting tomorrow that you’ve scheduled with a financial advisor because you know that proper planning is important.  You’re proud of yourself for taking action and scheduling this meeting and you feel a sense of accomplishment for doing so.  You know that this...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Oct 26, 2011, 11:00 am
The Thanksgiving holiday is a wonderful time for the extended family to get together. And this year it’s your turn to have everyone over to your house. While you are excited at the opportunity to serve all your loved ones in this way, maybe the expense of serving a traditional holiday feast for th...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Oct 25, 2011, 11:05 am
A black hole, according to Wikipedia, is “a region of spacetime from which nothing, not even light can escape.” It is called “black” because it absorbs all the light which hits the horizon. Financially speaking, beware of these four black holes which will absorb your money and never, ever gi...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Oct 24, 2011, 11:27 am
Being financially responsible typically includes the important legal documents of a will, financial power of attorney, and advanced medical directives. There are a few more steps you can take beyond the will. Many people do not think through all the little decisions that will need to be made when ...
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bob l. posted an article on Natural Health Tips - Oct 24, 2011, 10:41 am
This article, Citrus Oils for Winter Health Problems, was originally published at Natural Health Ezine. Essential oils are used in the practice of aromatherapy for certain health problems. Citrus oils are light, uplifting oils that are particularly useful as the darker winter months approach. Altho...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Oct 23, 2011, 11:00 am
Moses couldn’t take it anymore.  He had spent enough days watching the Egyptians beating his people (the Hebrews) and he was going to do something about it.  Murder. You know the story.  Thinking he was doing the right thing, Moses killed an Egyptian who was mistreating a Hebrew slave.  The n...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Oct 21, 2011, 11:00 am
As I drive to my office each day, I pass dozens of stores, banks, restaurants, and other establishments. I usually look at the marquees and signs, just to see if there are any cute or (more likely) cheesy slogans or sayings on them. As a minister, I also get a few ideas from the wording. Recently, ...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Oct 20, 2011, 10:50 am
For a child is born to us, a son is given to us. – Isaiah 9:6 Christmas is a time of joy and celebration for Christians.  We exchange gifts with family & friends to show our love and appreciation.  If your shopping list is growing into a financial or time-consuming burden, get creative this yea...
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bob l. posted an article on Natural Health Tips - Oct 20, 2011, 9:00 am
This article, Low Acid Coffee, was originally published at Natural Health Ezine. Last week I wrote about the dangerous effects of caffeine and how I ultimately gave up coffee because it caused me horrible stomach pain. Well, recently, I was introduced to a way that I can enjoy coffee once again. W...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Oct 19, 2011, 11:00 am
Many people are going through a difficult time in regards to their financial situation. They owe more on their house than it’s worth, credit card bills are piled high, and there is little to no hope for their financial future. Sounds like what you’re going through? Well, there are three simple t...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Oct 18, 2011, 11:00 am
... thinking this makes abundant sense. With the absence of employer funded ... , we can very well be flirting with an idol. This possibility ... love us and provide us with both a place and a ... than provide a cushion against disaster, akin to a large emergency ... set a goal Biblical ret...
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bob l. posted an article on Christian personal finance help | ChristianPF.com - Oct 17, 2011, 11:00 am
Does it surprise you that 86% of 4-year undergraduate students who apply for federal student aid will borrow money to go to school?  With average student loan debt hovering over $23,000 for graduating seniors, it’s easy to see how so many people can be affected by the burden of student loan debt....
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bob l. posted an article on Natural Health Tips - Oct 17, 2011, 11:00 am
This article, Magical Plants for Halloween, was originally published at Natural Health Ezine. Halloween was a time for wicked spells cast by evil witches which today is nothing more than a great American holiday celebration. However, some of the plants which we commonly use today do have traditiona...
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