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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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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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…
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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,…
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ILLUSIONS

by Craig Floyd During a recent vacation some of the entertainment that I experienced was that of a magician. This magician no longer wanted to be called a magician, he wanted to be called an illusionist. He wanted to make clear to us…
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New Habits

By Craig Floyd It appears to me that if you want to learn something new or change habits, studying, reading, and observing are the best way to accomplish this task. That is how I approach most challenges that I don’t understand. Recently…
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The Last Dollar Lesson

By Craig Floyd My parents were children of the depression and adults during World War II.  They worked hard, were thrifty and knew the value of a dollar. That meant saving and scraping for every item that they needed.  It was a time of…
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Quick Decisions

By Craig Floyd It is interesting to study habits of people who are wealthy in terms of money.  Specifically millionaires have certain traits that probably help them with the way they approach their finance life.  One such trait is that…