Fear & Respect

MaryGrace HolcombLife

So often I read my Bible and all I am really doing is looking at the words.   I read it, I understand the story in the passage, but it doesn’t really sink in or impact me in the way that I know it should.  I keep telling myself to stop letting my mind drift and focus, focus, FOCUS!! But then … Read More

Retirement Questions That Have Nothing to Do With Money

Nicole FloroRetirement Planning, Tips

Think about these matters before you leave work for the last time. Retirement planning is not entirely financial. Your degree of happiness in your “second act” may depend on some factors you cannot quantify. Here are a few of those factors as well as the questions they may end up provoking in your mind. Where will you live? This is … Read More

How the Tax Reforms Will Take Effect

Doug FloroRetirement Planning, Tips

There has been a lot of news, opinions, and confusion with the Tax Cuts and Jobs Act that was passed at the end of 2017.  I have never had a root canal and I am very thankful for that!  I do experience pain when it comes to taxes.  Let’s face it; we have a messy, complicated, and ever changing system … Read More

The Pharisee in Me

MaryGrace HolcombLife

It was time for routine car maintenance.  I made the appointment for an early morning, telling the service manager that I would wait.  Instead of sitting in their plush service waiting area, I decided to take a walk across the street to the fast food place and order a cup of coffee and breakfast sandwich.  I took my Bible with … Read More

Prioritizing Debt

Nicole FloroTips

What is debt?  Debt can come in many forms: sort of good, bad, and evil.  If you ask Dave Ramsey, all debt is DUMB and cash is king! That sounds a little harsh, but is mostly true.  Sometimes debt is unavoidable and is your only option in a tight situation.  Debt can also seem like a good deal if the … Read More

Our Special Joy

MaryGrace HolcombLife

I recently had the privilege to attend a Beth Moore conference.   It was a fantastic day of prayer, music and diving into the Word. One point that was made that remains a constant reminder to me is, “no mystery fascinates the unbeliever more than the believer’s joy.”  When we come to Christ and the Holy Spirit enters us, the unbelievers … Read More

Avoid Wealth Management Scams

Nicole FloroRetirement Planning, Tips

With shows like American Greed and the occasional story of a Ponzi scheme discovered there is no wonder the American public is worried that they are involved in some sort of scam when it comes to investing.  Although there are regulations in place there still seems to be a way for fraudsters to make their way into your household. A … Read More

Read the Manual

MaryGrace HolcombLife

When it comes to my career, over the past several years the Lord has lead me to many start up positions.  I would go in and tackle what needs to be done, start procedures for each task and eventually write the procedures manual that goes along with it.  This way when the Lord called me to another profession, my replacement … Read More

Creating a Budget for Retirement

Nicole FloroRetirement Planning

It only makes sense – but for some reason many retirees live without one. The importance of keeping a budget: You won’t be able to withdraw an unlimited amount of money in retirement.  Some retirees go without a written budget only to regret it later. What comes to mind when you think of the word BUDGET.  Does it remind you … Read More

No Words

MaryGrace HolcombLife

We were at our church’s women’s retreat in our small group diving into scripture when simultaneously we all noticed one of the ladies with her head down and tears streaming down her face.  The circle became silent as the group leader asked her what was wrong.  The passage reminded our friend of her late sister. “I had accepted Christ 10 … Read More