07/17/2012 14:56:33 PM
Neither deficit nor debt will drop if government hikes taxes on high-income earners. More funds mean more creative useless spending.
06/22/2012 14:33:26 PM
To start to get out of debt, you need to separate the fiscal debt, the money you owe, from the debt burden: the emotional, mental, psychological, and often physical burden. If you do not deal with the debt burden first, you will not hear Jesus as he guides you because you will be preoccupied with your circumstance.
06/14/2012 15:28:24 PM
People drift gradually in debt by working without a budget and ignoring small expenses. If you decide to change your behaviour that cause several small expenses, you will spend less, and your financial position will improve.
06/10/2012 15:29:20 PM
Canadian Prime Minister Harper could learn from Governor Walker's courageous leadership, evidenced by his recall victory.
05/27/2012 13:45:06 PM
In over 25 years as a senior executive in a fortune 500 corporation, I participated in all aspects of the budgeting process in departments, divisions, different countries and cultures, and separate corporate entities. I developed, discussed, reviewed, approved, executed, and quarterly and yearly, assessed performance against budgets.
05/22/2012 11:14:48 AM
Article first published as Ottawa’s Museum of Science and Technology Racy Exhibition Epitomizes Governments’ Wastefulness on Technorati. The Occupy movement and the left clamor for more government involvement in society as the answer to our economic woes. They insist that government hike taxes on the one-percent; they demand that government spend more to create jobs [...]
05/21/2012 14:57:47 PM
How do you budget when mired in debt? You know you have reduced to the limit; fluff is gone. Still, your financial adviser tells you budgeting is the certain, orderly path to debt freedom. Try this three-tiered budgeting approach to emerge from debt gradually, with a strong foundation.
05/11/2012 09:41:06 AM
I was shocked to read that Naomi Schaefer Riley's article in the Chronicle about Black Studies needed an apology.
05/09/2012 10:40:03 AM
A 19-year-old Nova Scotia schoolboy suspended, then reinstated because he wore regularly, a T-shirt saying, Life Is Wasted Without Jesus.
05/07/2012 07:00:59 AM
At the start of a marriage, if husband or wife plans to be a stay at home parent, save 100% of the income that might stop. Even if married for several years and one spouse might not stay-at-home, as the Lord leads, set a goal, and develop a plan to live on one income.
05/05/2012 09:46:07 AM
Often, couples tell me they want to live on one income so one spouse could stay home with their children. But, they say, We cant afford to. Many continue emphatically, The way things are today, we wont be able to afford this! And they never try.
05/02/2012 10:13:00 AM
Albeit you cannot predict the result, the immense learning you get during these three budget phases, should convict you to work with a budget: preparation, probabilities, and the execution. The issue is not whether you will get the correct result by working with a budget. It is defining realistic assumptions and goals in advance, and adjusting your behavior as you progress to them.
04/19/2012 16:13:30 PM
I observed my mom for years, and knew that when you created a budget, you adjusted your lifestyle continually, to live in it. Trying to complain constantly about wanting more money is the victim path she rejected, which impressed me.
04/16/2012 11:52:31 AM
Politicians lie, cheat, waste taxpayers funds, get reelected and continue the cycle. Some leave after a short time with their mission accomplished; they can collect a full pension. Canadas federal politicians receive a pension after serving in parliament for a mere six years; the eligibility period is less in some provinces.
03/29/2012 11:18:29 AM
Canadian households need to embrace this DNA Household Strategy as the first step in behavior adjustment, before Canada's impending personal financial crisis wallops many individuals.
03/13/2012 13:09:23 PM
Here we go again. Unions demanding more from Air Canada, and Canada's myopic federal government dashing to stop a strike. When I listen to Minister of Labor Lisa Raitt talk about this matter, she reminds me of a first-year business student who does not grasp the subject.
03/02/2012 12:10:43 PM
After I present the truth about tithing to various groups, they tell me it is "a different way of thinking." These folks agree with the Scriptures that tithing under the Mosaic Law was a tax on farmers alone, designed to serve three specific purposes, but they cling to the tithing mindset, tough they do not practice it.
02/28/2012 13:46:31 PM
After my brother returned from studying at Harvard, and I graduated from Massachusetts Institute of Technology (MIT), my dad warned me to be careful lest I become an educated fool. He stressed that such a person loses touch with reality readily, tends to be ignorant, arrogant, egotistical, and usually alienates people.
02/24/2012 16:16:21 PM
Who is a spiritual leader? A follower of Jesus who has surrendered to His call on her life is a potential spiritual leader. God has many missions that He wants His children to complete daily. He calls us continually to do them. When we answer His call to work with Him on these missions, we become His spiritual leaders, alone or in groups.
02/22/2012 18:26:50 PM
Godly leaders need at least three key traits to do God's missions: patience, humility, dependence (Gods PhD). Without these, Moses would have failed to carry out God's mission to lead the Israelites out of Egypt (Exodus 3:10). Often, he would have been frustrated, flustered, and distressed with himself, the children of Israel, and with Pharaoh; perhaps, even with God.
02/13/2012 09:27:29 AM
Government must eliminate special breaks for businesses. Giving a tax incentive to move to an area is myopic. Unless the business is structurally sound, with solid products or services, tax benefits are makeshift, and market conditions will drive the business away to other temporary tax havens.
02/10/2012 11:53:51 AM
When will the media and unions get it that they must look at profits over time, and assets used to earn it? Do they have a plan to demonize business? Do they have an interest in looking at Caterpillar's cost structure? Thats what the company indicates is a problem.
02/07/2012 08:30:03 AM
We see an excellent example of Biblical sowing and reaping in Genesis 26:12. Notice in Matthew 13:23, Jesus' reference to 100-fold yield of the seed on fertile soil is similar to Isaac's blessing in Genesis 26:12. Isaac's blessing resulted from his hearing and acting on God's word--his obedience to act on God's promise.
02/04/2012 05:05:42 AM
Prosperity gospel teachers and preachers thrive on lifting Bible verses out of context and preying on the vulnerable, greedy, and ignorant. Their doctrine is popular in North America because it focuses on the worldly trinity of me, myself, and I; essentially, me-centered Christianity. This message is spreading rapidly abroad, for the same reasons.
01/18/2012 18:54:07 PM
God, help America! If Senator Harry Reid believes sincerely that leaving the Tea Party extremism behind will create jobs, he is naive...and thats being generous. His statement implies that his party has answers to solve Americas fiscal challenges. Mr. Reid, do you think your guys have the questions? Sometimes, I wonder.
01/13/2012 17:18:22 PM
In Canada today, we have an impending personal debt crisis. Our heads are in the sand as we congratulate us for the great job we are doing managing our economy!
12/31/2011 07:38:04 AM
Affordability to buy a home means your ability to buy your home, with or without a mortgage, so that the total estimated costs do not compromise current and projected household budgets, plans and commitments. Be patient, rent until you can afford to buy. Then you will build a solid financial base and lower financial stress.
12/20/2011 10:13:35 AM
Affordable means the ability to pay for an item and not take on debt, and not compromise current and projected household budgets, plans and commitments. For a private home, we should tweak this definition, to accommodate a realistic mortgage.
12/02/2011 19:22:34 PM
If Canada continues funding the CBC, among the negatives will be the promotion of a multicultural policy that has failed elsewhere.
11/06/2011 01:19:32 AM
There is only one way to stop the escalation of the government's debt: cut spending drivers--programs, people, policies. This sounds heartless, uncaring, unfeeling, but it is the only way.
06/26/2011 22:26:52 PM
Many folks dont realize how much money they spend on insurance premiums. Car, life, home, contents insurance, and extended warranties can be costly. Insurance is risk assessment and coverage.
06/16/2011 10:08:40 AM
Technical bankruptcy jumps at you when you view Air Canada's First Quarter 2011, Interim Unaudited Condensed Consolidated Financial Statements and Notes?
06/12/2011 16:53:11 PM
Canadian Union of Postal Workers strike is classic out of touch union leadership shoving a corporation over the precipice.
05/25/2011 07:01:08 AM
Lost in the debate about the USA national debt are reasons for prior and future debt increases. The perfect situation is no debt, but we live in an imperfect world, so the best debt is minimum debt.
05/12/2011 13:27:59 PM
Corporate, organizational, and financial structures must fit business goals. Reported funds shortage doesnt signal necessarily a financing need; it could flag a structural problem, which more money wont fix.
04/25/2011 15:42:34 PM
Part 2: Canadian health care costs are hiking and will continue, even as wait times rise and become embedded in the system?
04/21/2011 21:12:49 PM
Canadian health care costs are hiking and will continue, even as wait times rise and become embedded in the system?
04/14/2011 04:33:31 AM
Do individuals volunteer to pay taxes not due? Why should corporations? The USA has the highest corporate tax rates in the developed world. Why shouldnt corporations maximize business outside the USA?
04/11/2011 19:50:24 PM
Despite accolades by gold?s pundits, if you bought gold in 1980, in 2010, in real terms, today you would not recover your investment. In contrast, over the same period, the Dow Jones Industrial Average produced significantly better returns. Yet, man
04/02/2011 22:43:46 PM
Despite major adverse publicity, high profile dissent, and massive demonstrations, to tackle his states deficit, the governor of Wisconsin passed a law that gives his state greater control over his workforce and his states budget.