Young Women Camp Fundraising Ideas

As the summer Young Women Camp season approaches, I am thrown back into my days as the ward/stake/universe camp director. (Better than scouting. But not by much.) While I served in Young Women the church policy changed to allow only one fundraiser per year for the...

Alternative Housing: Land Contracts

In 1991, we moved thousands of miles away to Boca Raton, Florida. We had two little kids and—after years of college—were flat broke. Our first home was a three-bedroom townhouse in a development called Cypress Lakes. It was a huge step up from college apartment digs....

The Math of Foreclosure Bailouts

Foreclosure rates have been skyrocketing and are expected to continue to rise through the end of the year. This is a tragedy. While I have never lost a home myself, some close relatives have. Just a few weeks ago the folks who lived across the street from our lot were...

Tax Refunds are Stupid

This is the time of year when people all over the country are excited about getting their tax tax refunds. It makes me crazy. In almost all circumstances, getting a tax refund just means that you loaned the government your money—for a number of months—interest free....

Rent to Own Homes?

After Sam finished his PhD, we moved to Florida where he was set to be a professor of ocean engineering. After years of school we were excited…and flat broke. Our first place was a 3-bedroom townhouse. Not luxurious, but clearly a step-up from our college apartment...