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Nowadays it is normal for the average person to have some sort of debt, whether it be school loans, a mortgage, or credit cards. After all, this is the day in age in which people are living beyond their means (according to financial experts). But is all debt bad? How much is too much? And how do you know if you are borrowing responsibly?

All these questions can be overwhelming and finding

Nov 16, 2010: On a quiet evening, a couple of years ago, we returned from work to find our apartment complex in flames. In front of our eyes we saw one apartment after another being consumed by monstrous flames. While we helplessly looked on, our city's brave fire fighters fought the flames. By God's grace they put out the fire when it was a couple of apartments away from ours. Though our

Nov 09, 2010: October is the tenth month in the Gregorian and eight in the Roman calendar. In Latin, "octo" means eight. When January and February were added to the Gregorian calendar this month retained its name as October (from the Roman calendar). It is a month of seasonal contrasts. In the northern hemisphere we celebrate autumn while in the southern hemisphere people rejoice the arrival of

Nov 04, 2011: For those of us who want to retire comfortably and do so while we still have the energy to enjoy our free time, personal vices must be kept to a minimum. Eliminate or at least put off indulging in bad habits that will cost you money in both the short and long term, and you will reach your goal of a relaxing retirement that much sooner.

Some of these weaknesses, such as