By Joseph B. Smith
Individuals who never thought of buying foreclosure houses have always considered their decision to do so a smart and practical one. After all, these repossessed houses are the only real estate properties which can provide you with benefits which include savings as well as instant equity.

By David O. Awe (CPA, MBA)

Churches and religious organization are automatically exempted from tax payment on the net income from their exempt activities. Unlike almost all other non-profit organizations, churches enjoy these tax exemptions even if they have not obtained the exempt status determination letter under section 501 (c) 3 from the Internal Revenue Codes. This does not mean that the church cannot engage in profitable ventures.

There is no record of a society that operated for any period of time without borrowing and lending. Our society is a very rare instance where the laws favor the borrowers over the lenders.

So, lending is not a new principle. It is historically as old as man's written record.

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The beginning of the year is a popular time for individuals to reflect and evaluate their past year and make plans for the next. How has your year gone? Have you accomplished those things you have set out to complete? If not, that is o.k. It just gives you some good starting points in writing your goals for the upcoming year!