Everything Costs More

Everything Costs More

According to a recent article by CBS news, drivers of new cars are now paying an average of $700-800 per month toward a car payment, with nearly 15% paying more than $1,000 per month. Even 5% of used car buyers are paying north of $1,000. Some of that is driven by...
The Story of Your Budget

The Story of Your Budget

An important question: what story does your budget tell? For decades one of the most successful fund-raising organizations in America has been the Salvation Army.  I have given to it and I’ll bet you have, too.  Here is the thing.  I have never seen a budget for the...
Never Too Late

Never Too Late

Not long ago a man walked into the public library in St. Helena, California and returned a book. That is not unusual. The unusual part is that the book, A History of the United States, was checked out 96 years ago. The unidentified man who returned it said something...
What’s the Plan?

What’s the Plan?

This summer I have a trip planned to explore some early American history.  My plans include Gettysburg, Philadelphia, Williamsburg, Jamestown, Monticello, and a few other points along the way.  One of the important steps before going is making a plan for the trip.  It...
Lifting the Fog

Lifting the Fog

I used to live in Southern Indiana.  In much of that part of the state, roads are not straight, but follow the contours of the hills and valleys.  One night, as I was returning home from a meeting, the road was so foggy that my headlights only travelled a few feet....