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Life insurance – the one financial product that does what you intended it to do

  By Craig Floyd It seems like life has a nasty way of turning out different than we expected it to. I little lesson I learned this week might illustrate what I’m trying to say. A piece of equipment that we depend on 365 days…

All Lives Are Important

By J. Floyd Upsetting news concerning national events has encouraged me to write about life and the value of it. This week marks the third anniversary of my son’s death. It still gives me sadness as I reflect on how much I miss him. It…
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Financial Literacy?

By Jason I. Henderson, Ph.D. I ran across an article today that confirms what I have thought for a long time.  The article is rather short, so you could just go read it or here is a shorter version: Very few Americans have ever had organized…
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Retirement: Out of Reach?

By J. Floyd Retirement in my early working years seemed to be only a dream away. I didn’t even want to ever be old enough to retire. I was so busy raising my children and working that the idea of never working again and having money to…

Grateful and Trusting

  By J. Floyd This summer while on a short trip with some close friends, I had a flat tire. Somewhere along the road I picked up a four inch lag bolt. Since my car was parked in a scenic area, some people in the adjacent car waited…
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Three Kinds of Money

By Jason I. Henderson When you really think about it, there are only three types of money in our lives. The first can be called Lifestyle Money.  This is the money we spend on our everyday life.  For example, the money spent to…
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What to Do With the Family Home ?

By Craig Floyd Recently I have been reminded that owning a home can really be a money pit.  Not that I don’t enjoy the comforts of owning my home, but when the appliances break down, carpets need cleaning or replacing and the outside…
Benefits of Infinite Banking Concept
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Why The Infinite Banking Concept?

When people hear about IBC, Infinite Banking Concept, they have several thoughts.  Some of the immediate thoughts that come to mind are: Dave Ramsey says that the infinite banking concept is a terrible investment. (Oh the fun I have teaching…
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Pure Joy ?

  by Craig Floyd I had a question posed the other day that I have thought a lot about.  “What have been your moments of pure joy in your life?” Pure joy, not the fleeting moments of happiness, but real joy that you probably…
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Feeling Blessed

By Craig Floyd Since it is Memorial Day soon, I just have to say “Thank you” to the thousands of Americans who have died or placed themselves in harm’s way defending my freedom. To those men and women and their courageous families,…