Which Ticket Do You Have?

     I was sitting on the couch at my grandmother-in-law’s house watching TV while she and my wife spoke. She was telling my wife about how she has on a small scale been buying lottery tickets for the last few years (or maybe decades......). With her being 75 years of age and having the notion of “making it big” one day made me wonder. Why does the lottery drive people more than goals?         ...

Read More

This is really a problem….

In 2013 the United States personal savings rate was 4.20%.  That means that a little over 4% of a household’s income is saved over a period of time.  4% The median household income is about $51,017 1  with an average household size of 4.16 people 2……………… That means that about $2,000 is saved a year (yeah right) and that is to be used for retirement, emergencies, hospital bills, and child expenses………… With the new policies...

Read More