About

Apache is functioning normally

Buying or renting a home is a challenge that can take up a lot of your time and energy. Much of that time and energy go into your due diligence process, of doing the proper research and learning more about the area you’re looking to buy a house in.

This is why people tend to turn to realtors or other professionals, to tap into their past experience and vast knowledge of the local real estate market.

However, if you are determined to handle the purchase or rental of your new Texas home by yourself, here’s a detailed Texas housing market overview, meant to help you save time and make the entire process easier when buying a house in the area.

What are the latest stats when it comes to housing in Texas in 2019?

To offer you a complete image of the housing situation in the Lonesome Star State, we will be tackling the three essential criteria: Supply, Demand, and Prices:

Supply

According to the construction activity reported by the Texas Residential Construction Cycle (Coincident) Index, the overall home construction and development activity slowed down its pace after a strong 2018.

Construction wages and employment in this sector have dropped. However, the Texas Residential Construction Leading Index remains optimistic when it comes to future projections. The main reason behind this are the lower interest rates and extended economic expansion in Texas.

December brought a surprising downslide in terms of single-family housing construction permits. When looking at the major metropolises, the Texas housing insight identified San Antonio as the leading example when it comes to growth in monthly permits (796). Other cities in Texas were managed to stay in the race, in comparison to the stats from early 2018:

  • Houston led the state with 2,846 issued permits (despite a 14.6 percent decline)
  • Dallas-Fort Worth was the close runner-up, with 2,698 issued permits
  • Austin doesn’t offer nearly as much, but still did good, with 1,400 issued construction permits
Lou Neff Point, Austin. Photo by Tomek Baginski 

Inventory

Texas’ months of inventory (MOI) showed potential but never passed four months, just two short from a balanced housing market. Everything home lower than $300,000 maintained an MOI between 2.9 and 3.4 months.

A drop in new listings and boost in sales could limit any further MOI expansions.

The state of demand for Texas housing

With lower mortgage rates reducing the price pressure, the total housing sales in Texas marked a 5.2 percent increase since July 2018. Resale transactions were the reason behind the progress, with a record level of homes sold in the price range of $200,000-$300,000.

On the other hand, homes that went for under $200,000 also experienced an increase in quantity. Put these two ranges together and you have a piece of the Texas housing pie that covers more than 70 percent.

However, it should also be noted that even luxury homes achieved an 11.9 percent increase, making up for the losses experienced back in the 4th quarter of 2018.

River Walk, San Antonio, TX. Photo by: Tatiana Rodriguez

According to current Texas housing insights, all major metropolitan areas in the state are experiencing growth. So, it should be no surprise that people are moving to Texas from another state.

The trend began in Central Texas, with Austin and San Antonio, and continued to spread throughout the state. Fort Worth marked the biggest growth, raking in at 12.4 percent, with Dallas and Houston trailing behind at 6.0 and 6.5 percent.

More market reports & studies

Here’s How Many People Became Millionaires by Selling their Homes in the Hottest Real Estate Markets
Features that Sell: Here are the Listing Keywords Likely to Get Your Home Sold for More
Million Dollar Homes in NYC Aren’t Selling Like They Used To

Source: fancypantshomes.com

Apache is functioning normally

On Friday, I stopped by the office of my friend, Mr. Accountant. Another friend, Mr. Lawyer, was there, and the three of us fell into conversation. “How’s the web site going,” asked Mr. Accountant.

“Good,” I said. “But I’m stuck on something. Maybe you can help. On Monday, I’m supposed to share my best piece of tax advice. I don’t have a best piece of tax advice. I don’t know much about taxes at all. Do either of you have a best piece of tax advice?”

“One thing I see a lot,” said Mr. Lawyer, “is people who don’t understand how taxes work. They don’t know how they’re figured, so they have way too much or way too little withheld from their paychecks. They don’t understand the process. My best piece of advice is to take a little time to determine your tax situation at the beginning of the year so that you can get your withholding right. Then there won’t be any surprises at the end of the year.”

“Yeah, that’s good,” said Mr. Accountant. “People get upset when their tax liability is greater than they were expecting. They feel like the government has done something sneaky and is tricking them out of their money.”

“But that’s not the case,” said Mr. Lawyer.

“Not at all,” said Mr. Accountant. “Most of the information is there at the beginning of the year, and you can find all sorts of on-line calculators to explore your situation. The IRS has a great web site.”

“Yeah,” I said. “It seems that whenever I go looking for some piece of tax information, I always end up at the source — the IRS.”

“Here’s my best piece of tax advice,” said Mr. Accountant. “You have to pay. The government is going to get what the government is due. Don’t ever try to cheat on your taxes. It’s not worth the risk. People get upset about taxes, but getting upset doesn’t do any good. The best thing to do is get over it. Pay your taxes and move on. ‘Render unto Caesar’ and all that…”

“That’s not to say that you shouldn’t maximize what the government is going to give you,” said Mr. Lawyer.

“Right,” said Mr. Accountant. “You should claim everything that you’re entitled to. But people complain too much. Taxes aren’t bad. They mean you’ve had a good year.”

“I’ve never thought of it like that,” I said. “But I guess it makes sense.”

“Yeah,” said Mr. Accountant. “When I meet with clients, it’s not the rich who complain. They’re grateful to have made money during the year. It’s usually the middle-class who complain. The person who was expecting a $2,000 refund but only gets $500 is the most upset. He’s livid. And he’s getting $500 back! But the guy who was expecting to owe $75,000 and only has to pay $50,000 is ecstatic. And he’s paying $50,000 to the government.”

Mr. Lawyer laughed. “I can see that. That’s a problem I’d like to have. When you owe that much in taxes, it means you’ve earned a lot of money.”

“Exactly,” said Mr. Accountant. “Like you said, it’s important to have a basic understanding of the tax laws, and to prepare based on your situation.”

So the top tax advice from my two most important personal finance advisors is: don’t cheat, and plan now for your tax situation next year. I’d add that you should watch out for common red-flags that lead to IRS audits:

  • Incomplete or sloppy returns
  • Suspicious income (too high, too low, drastic changes)
  • Using round numbers
  • Too many itemized deductions
  • Participating in tax scams

What about you? Do you have a piece of tax advice you can share with Get Rich Slowly readers?

This post is part of the MBN group writing project for March.

Source: getrichslowly.org

Apache is functioning normally

It’s the time of year to start talking about taxes. I used to do my own taxes, but it was always a frustrating experience. Eventually I learned that by paying somebody else to do them, I was actually saving money. Because my accountant actually knows what he’s doing, he gets all the deductions I’m entitled to.

This year, I’ve heard a lot of talk about the Alternative Minimum Tax (or AMT). Every time I begin reading about the AMT, my head swims. Fortunately, a couple of other people do understand the AMT and have written about it lately. First, Nickel sat down and answered the basic question: What is the Alternative Minimum Tax? He writes:

The AMT is a parallel tax system with rates ranging from 26%-28%. If your liability is higher under the AMT than under “standard” income taxes, then you have to pay the AMT. Given that standard tax rates top out at 35%, this doesn’t sound too bad. Unfortunately, the AMT also disallows many routine deductions, resulting in a potentially large tax liability.

Basically, if you have too many of certain deductions or exemptions, you may be subject to the AMT. The details are arcane, however. According to Fairmark’s list of the top ten things that cause AMT liability, even routine deductions can trigger the Alternative Minimum Tax. Yahoo! Finance has a guide to understanding the Alternative Minimum Tax, which explains you’re more likely to be subject to the AMT if any of the following are true:

  • Your gross income is greater than $100,000.
  • You have many personal exemptions.
  • You have “significant” itemized deductions, such as state taxes, and (sometimes) home-equity loan interest.
  • You had a large capital gain.
  • You own a business.

If you’d like more information about this topic — which I admit is dry, but could be very important to some people — BxCapricorn at The Fine Art of Money has an excellent detailed article called Alternative Minimum Tax — Why Care?. You can also read more about the AMT here:

To be honest, after reading all this information, I still have no idea whether I’m subject to the AMT. What are “significant” itemized deductions? How does owning a business trigger the AMT? I’ve decided not to worry about it. This is yet another reason I’m happy to pay an accountant to sort out my taxes.

Source: getrichslowly.org

Apache is functioning normally

If you’re planning a move to a brand new city, you’re probably feeling some mixture of both heady excitement and serious fear. After all, you’re leaving your friends, job and potentially family behind for an entirely new place– who wouldn’t be a little afraid? But in your first few months, as you begin to get to know your new city better, that fear will fade.

Handling a big move is all about becoming familiar with your new surroundings as quickly as possible, and one of the best ways to do that is by acting like a tourist. Think about it: Tourists have a very limited amount of time to see an entire city. However, they make the most of that short timeframe in a variety of ways. Here’s how to get to know your new city like a tourist:

Try a Short-Term Lease

Tourists don’t commit to a long-term residence, so you may want to consider a shorter-term option yourself. If that sounds a little unconventional, think about how difficult it is to really know what neighborhood you want to live in or find the perfect apartment from states away. You won’t know exactly what areas are an easy commute to your workplace, for instance, until you spend some time in the city.

If you don’t have much experience with a city, a short-term lease (say, six months) will allow you to start getting familiar with it without committing too much to a specific neighborhood or apartment right away. Plus, you’ll likely have the option to renew the lease if you decide you love the area after all.

Start Small

When you’re on vacation, you probably spend a little time after checking into the hotel exploring the area around it. Do the same thing when you move into your new apartment.

After you’re mostly settled in, put on some comfortable shoes, and just start walking. Take in some of the amenities nearby, like a grocery store or an independent coffee shop that look promising. Become familiar with your neighborhood, then start widening your scope.

Utilize Maps, Guidebooks and Brochures

We all love our smartphone navigation systems, but they really aren’t the best way to become accustomed to a new area. You can still use it to figure out how to meet up with some friends at a specific bar or restaurant, but try not to rely on it too heavily.

Instead, make use of old-school paper maps, along with guidebooks and brochures. Finding your way on a paper map will help you understand the lay of the land a little more, and guidebooks and brochures will generally give you just the information you need to get around.

If you plan on taking public transit, you’ll want to study a map of the transit system for awhile. Figure out the best ways to get to some of your main destinations, like work or a friend’s place, and become familiar with those routes. Then start branching out from there.

Take Tours

There’s nothing better than a tour to get you familiar with an area without becoming lost. Look up walking, Segway, and boat tours in your city, and see what options are out there.

It’s likely you’ll find a mix of food tours (like chocolate or pizza) along with informational ones (about architecture or history, perhaps). Choose one that sounds interesting to you, invite a friend, and be a literal tourist for the day.

Visit Attractions

Places like tourist attractions and museums may be full of slow-moving hordes of people, but they’re a very good way to get to know your new city. In fact, I’m from Chicago, and it’s pretty much required to visit places like the Field Museum and Wrigley Field before you can call yourself a local.

Check out what the top tourist attractions in your city are, and even enlist someone from the area to be your guide. You’ll start learning some cool stuff about your city, and will likely be able to visit several different neighborhoods in the process.

Be Safe

Every tourist knows how important safety is, so don’t get too comfortable in a new spot just because you live there.

Stay smart by avoiding walking alone at night in areas you’re unfamiliar with, keeping your headphones out of your ears while exploring, and making sure your purse or backpack is always zipped up and close by.

Pin this post: 

Apache is functioning normally

Back in December, I decided to eat more fruits and vegetables. No matter what, I was going to eat more of them. And that’s saying something, especially since I’ve created a few excuses to avoid eating healthy food.

Even though my main excuse wasn’t the expense, it’s still an obstacle to healthy eating. At least, that’s a common excuse I hear when eating better food comes up in conversation. And I wanted to know if it was possible to eat more fruits and vegetables without spending more at the supermarket.

Determined this would not be a New Year’s resolution, given my dismal failure rate, I loaded up my grocery cart with produce a couple of days after Christmas. “You’re buying just produce?” said the friendly checkout clerk.

“Yes,” I said, explaining my goal to eat more fruits and veggies.

“Let me know how that works out for you,” she said. And she laughed.

I laughed, too… until she rang up my total. Whoa! Maybe I couldn’t afford to eat like this. But I paid the bill, and I’ve been eating more (and paying for) lots of fruits and vegetables ever since.

What do you really care about?

My goal was simple: Eat more fruits and vegetables as cheaply as possible. That’s it. I didn’t want to worry about eating organically, or locally, or in season. If my vegetables were organic, great. If they weren’t, well, increased fruit and vegetable consumption was the goal. I wavered in my focus when I went to a workshop on local eating, but then I had to tell myself that I could only concentrate on one goal at a time. Becoming a locavore could be a goal for another time.

Eliminating food waste

Before I worried about how much I spent on produce, I needed to get my food waste under control. It’s ridiculous when I think about it: Why try to save money on groceries if I’m wasting so much food? And most of my food waste is produce. Ridiculous.

As ridiculous as I am, I’m not alone. In 2010, U.S. kitchens produced 34 million tons of food waste.

Obviously, we need help. I may redeem myself slightly because I compost what gets moldy before we eat it. So my food doesn’t go to the landfill. But if I buy food only to throw it on the compost pile, I have very expensive compost. So what can I do?

1. Don’t buy food we won’t eat. I love salads, especially salads of baby greens (the most expensive!). But we frequently don’t eat more than one salad with one meal and we’re done. The rest is wasted. Romaine lettuce lasts longer. Spinach is more versatile. I have soup recipes that call for spinach or I can saute it or eat a spinach salad. Grapes also top my food waste list. I like grapes, but we don’t eat them quickly enough. Either I need to find a way to eat these foods or quit buying them.

2. Buy the largest package we will consume. I’m convinced that supermarkets package food for families, not two-person households. I am finally starting to buy smaller packages of food which I should have done a long time ago, but better late than never.

3. Share what we can’t consume. But if you can’t buy a smaller package, share with someone in your community. For instance, I love cilantro, but can never use up all of it before it gets yellowed. I could and should share my cilantro with others.

4. Use all parts of the food. A few weeks ago, I came across an article about a chef who uses all the parts of food that I composted without thinking about it. Of course, I can’t find the article now, but I remember some basic points. She made vegetable broth out of things that would normally be tossed. Papery onion skins, celery tops, and peelings still have nutrients in them and can make great vegetable broth.

Vegetable broth can be made with broccoli stalks, but the stalks can also be eaten along with the florets. My mom always discarded the stalks, and so did I, until I realized they were edible, too. I’ve heard that peeling the stalks makes them more tender. If you like the taste, you can add them to salads.

5. Use up your food. Uncharacteristically, my husband bought me an early Valentine’s Day present this year — and he spent more than $130 on it. It was a blender. Believe me, nothing says “I love you” more than a blender that cuts down on food waste and helps me eat more fruits and vegetables. (I’m being very serious. I smile every time I look at it. Of course, an expensive blender doesn’t offset food waste costs, but I’m going to use if I have it.)

Anyway, you don’t have to look far to find green smoothie recipes. I’ve been using spinach and fruit in my smoothies for a few years, but this new high-powered smoothie helps me kick it up a notch. Those grapes that we don’t always eat? Throw them in the blender. Have a couple of broccoli florets? Blender. Leftover cooked sweet potato? You know where it belongs. It’s made a huge difference in decreasing our produce food waste.

And your blender doesn’t have to be expensive to make this work. If you haven’t tried green smoothies yet, start out with some fruit (frozen berries and a banana are great), a liquid (orange juice, water, yogurt), ice (if you don’t use frozen fruit) and a handful of fresh spinach. When you get brave, add in broccoli, yellow peppers, and carrots along with your fruit.

Disguising vegetables and fruits this way made we think of other ways to use up food. Soups? Spaghetti sauce? Often pureed food can be used in quick breads or muffins. As Kristin mentioned in a recent article, she uses juicer pulp to make scones.

Food waste wastes resources, but it also makes me feel guilty. I have enough food and I waste it. Others don’t even have enough food.

How do you prevent or deal with food waste? Do you think it makes a difference for your grocery budget?

Source: getrichslowly.org

Apache is functioning normally

By Peter Anderson Leave a Comment – The content of this website often contains affiliate links and I may be compensated if you buy through those links (at no cost to you!). Learn more about how we make money. Last edited April 28, 2009.


No matter how much you want, laziness won’t help a bit, but hard work will reward you with more than enough. Proverbs 13:4

I know there are days where I just want to lay on the couch, play a video game and not do a thing. This verse tells us, however, that laziness won’t help us a bit in anything we do. Hard work will reward us, and we will be given more than enough.

Related Posts

Source: biblemoneymatters.com

Apache is functioning normally

If you’ve ever shopped for life insurance, then you know that there can be some key variables to consider to determine whether you have the proper type and amount of coverage.

For example, knowing how much your policy’s proceeds should be can be beneficial, as you don’t want to underinsure and leave your loved ones with a financial burden, or over-insure and end up paying more than you need.

When shopping for the right life insurance policy, it is also imperative that you review the company that you are considering purchasing through, as you will want to know that it is stable and safe financially and that it has a good reputation for paying out its policyholder claims. One life insurer that has a long standing reputation – and is well-known in the insurance marketplace – is Bankers Life Insurance Company.

The History of Bankers Life Insurance Company

Bankers Life Insurance Company – also commonly referred to as simply BLIC – was initially founded in 1976 – and, while it may not be one of the older insurance carriers in the U.S., it has proven itself to be a viable player in the life insurance and annuity arena. Bankers Life is headquartered in St. Petersburg, Florida. The company does business in all 50 of the U.S. states, although it does business as Western Bankers Life Insurance Company in the state of Texas. It is a subsidiary of Global Bankers Insurance Group Company.

With $1.2 billion of assets under management, Global Bankers continues to deliver on its unique investment strategy, too, with sustainable and profitable growth. Global Bankers is itself a subsidiary of another company, Eli Global, LLC. Founded in 1991, Eli Global is a privately held consortium of more than 50 independent businesses that serve the needs of its clients in industries such as insurance, financial services, health care services, revenue cycle management, information technology, marketing and sales, publishing, distribution, market research, and business information.

Bankers Life Insurance Company Review

Bankers Life Insurance Company’s strategic use of reinsurance to reduce liability and add capital and surplus, as well as its commitment to disciplined management of company expenses, has positioned this insurance carrier to continue growing its business for years to come.

As of year-end 2016, Bankers Life has more than $447 million in assets and $27.3 million in statutory surplus. Both figures represent a considerable increase over those of just one year prior.

Insurer Ratings and Better Business Bureau (BBB) Grade

The Bankers Life Insurance Company investment policy is predicated upon ultimate protection and providing stable, predictable income to the company’s policyholders. Based on its overall financial stability and reputation for paying out its policyholders’ claims, Bankers Life Insurance Company has a grade of B (Stable) from A.M. Best Company.

Life Insurance Coverage Offered Through Bankers Life Insurance Company

Bankers Life Insurance Company does not provide any of the traditional life insurance products such as term, whole life, universal life, or variable life insurance coverage. Rather, it focuses more on the retirement income market through annuities.

Other Products and Services Offered

With the number one concern on the minds of retirees today is running out of income, the focus of many life insurance carriers today – as well as other financial companies – has been offering retirement annuities. One reason for this is because annuities can provide the ability to obtain a guaranteed lifetime income stream – regardless of how long a person lives. (Some annuities will also pay out income to a second individual, such as a spouse or partner, for as long as that person lives, too).

Bankers Life Insurance Company offers several annuity options. These include the following:

SPDA-5

The SPDA-5 is a five-year tax deferred guaranteed return annuity. With this annuity, the interest rate is guaranteed for five years. And, by choosing the interest rate lock, the annuitant will qualify for an interest rate lock for 45 days on incoming transfers from other financial institutions.

The interest on this annuity will begin 30 days after the policy issue – or if requested, after the policy issue date the payments will be made monthly starting one month after the monthly interest option effective date. The interest is credited daily, and it is compounded annually to yield the guaranteed rate.

This annuity also offers a nursing home care waiver whereby if a covered condition occurs to the annuitant, the policyholder may withdraw up to 50 percent of the accumulated contract value without incurring a withdrawal charge. (Otherwise, there can be a withdrawal fee for any money taken out more than 10 percent, during the first six years).

In this case, a covered condition is defined as confinement in a residential care facility or a skilled nursing home facility for at least 90 consecutive days. The annuity contract must also be in force for at least 90 days for this to be covered.

The SPDA-5 annuity is available to applicants who are between the ages of 0 to 85 years, and it has a minimum premium requirement of at least $10,000 – regardless of whether the account is qualified or non-qualified.

SPDA-7

With the Bankers Life Insurance Company’s SPDA-7 annuity, the interest rate is guaranteed for seven years. This annuity also requires a minimum premium of $10,000, and it is open to those who are between age 0 and 85 years. This annuity will also qualify for an interest rate lock of 45 days on incoming transfers from other financial institutions.

If the policy owner is required to take a Required Minimum Distribution (RMD) on a tax-qualified annuity, the withdrawal charges will be waived on any RMD amount that exceeds the 10 percent free withdrawal provision. Any withdrawal that is requested more than that allowed under one of the penalty-free withdrawal options is subject to the following withdrawal charges (which may vary by state):

Contract Year 1 2 3 4 5 6 7 8

Withdrawal Charge 9% 8% 7% 6% 5% 4% 3% 0%

As with the SPDA-5 annuity, the SPDA-7 also has a nursing home waiver option, whereby if a covered condition is to occur to the annuitant, the policy owner may withdraw up to 50 percent of the accumulated contract value without incurring a withdrawal charge. A covered condition, in this case, is defined as confinement in a residential care facility or skilled nursing facility for at least 90 days. The annuity contract must be in force for at least 90 days to become covered.

SPIA

The SPIA annuity is also available through Bankers Life Insurance Company. An SPIA – or a single premium immediate annuity – create instant income during retirement through taking a lump sum of money and converting it into regular payments that continue for a specified period, or for the lifetime of the insured.

An SPIA annuity could be a viable option for someone seeking an excellent return on their money that he or she will not outlive and does not want to worry about how to invest the money. The benefits of the SPIA annuity will also include the tax deferral that is derived from receiving income in payments instead of in one large lump sum.

The SPIA annuity option from Bankers Life allows the policy owner to elect to receive either monthly, quarterly, semi-annual, or annual payments over the course of five to twenty years – which will enable the annuitant to customize the size and the frequency of the income payments.

These income payments are fully guaranteed for the period that is elected – even if it is for the annuitant’s full lifetime. The payments will not fluctuate, so the annuitant can have the peace of mind in knowing that his or her retirement income will be stable.

If the annuitant dies while he or she is still receiving income payments from the SPIA annuity, and provided that these payments are a non-life only option, a named beneficiary (or beneficiaries) will have a few options. They may receive the remaining payments that left on the annuity’s income payment schedule, or, they may elect to receive the remaining account value as a commuted lump sum.

This annuity option is available to those who are up to age 90 (as of his or her last birthday) as the annuitant, and policy owners who are at least age 18 or over. The annuity has a minimum premium amount of $10,000 and a maximum premium amount of $500,000 (unless the annuity holder obtains home office approval from Bankers Life Insurance Company).

The various income payout options and parameters for the SPIA include the following:

  • Lifetime Income – ages 75 and below
  • Life Income with Period Certain – 5, 7, 10, 15, or 20 years
  • Income for a Fixed Period – 5 to 20 years
  • Joint Life Income – 100 percent or 66 2/3 percent to the survivor

Interest Plus

The Interest Plus annuity from Bankers Life Insurance Company is designed for the individual who desires a higher than average rate of return, but with the ability to access funds for any reason or amount – without incurring an excessive surrender charge. By paying an upfront fee, the annuity owner will receive a large amount of flexibility.

The issue ages on this annuity are 0 to 90 years for non-qualified contracts, and 0 to 65 on qualified contracts. The minimum premium amount is $10,000, and the maximum is $500,000 without getting home office approval.

Annuity holders who have the Interest Plus annuity are permitted to access unlimited withdrawals – with the minimum being $1,000 – of their accumulated accounts for any reason after the annuity has been issued. Each of these withdrawals, however, will be subject to a 1 percent redemption fee schedule. The withdrawal fee schedule on the Interest Plus annuity is as follows:

Contract Year  1 2 3 4 5 30-Day Window 6-10 11

Withdrawal Charge % 1 1 1 1 1 0 1 0

It is important to note that not all of the annuities offered by Bankers Life Insurance Company are available in all 50 states.

How to Find the Best Life Insurance Premium Quotes

If you are looking for the best quotes on life insurance coverage, it is recommended that you work in conjunction with an independent insurance broker or agency that has access to multiple insurance carriers. This will allow you to compare the options that are available to you in an unbiased manner, and from there you can better determine which one will work for you, as well as for your budget.

We understand that the purchase of any insurance product can be a bit daunting. There are many different variables that you can choose from – and you want to be sure that you are going with the plan that will be the best for you and your specific needs. Going through this process can be much easier, though, with an ally on your side. So, contact us today – we’re here to help.

Source: goodfinancialcents.com

Apache is functioning normally

By Peter Anderson Leave a Comment – The content of this website often contains affiliate links and I may be compensated if you buy through those links (at no cost to you!). Learn more about how we make money. Last edited April 28, 2009.


Do not lay up for yourselves treasures upon earth, where moth and rust destroy, and where thieves break in and steal. But lay up for yourselves treasures in heaven, where neither moth nor rust destroys, and where thieves do not break in or steal; for where your treasure is, there will your heart be also. Matthew 6:19-21

This verse is a reminder that while we may strive to gain all sorts of wealth, possessions and other worldly things while we’re on this earth, those things are temporary and will only be destroyed by rust, stolen or taken away when we die. It is best for us to remember where our true treasure lies, the treasure that can’t be destroyed. We can then go about building up our treasure in heaven, which means our hearts will also be there as well.

Related Posts

Source: biblemoneymatters.com