Q:  We have $30,000 in credit card debt and it seems it will take forever to get it paid off.  Should I use money from my 401(k) to pay off that debt?  I am 35 years old. A:  I realize when you see that money sitting in your 401(k), that there is a temptation to tap into it so you can make that credit card debt disappear.  I also realize that it seems to take forever to make progress on your credit cards, especially if all you are paying is the minimum payment.  But using your 401k money to pay...

When Karen and Scott got married, Karen had nearly $50,000 of non-mortgage debt. Scott, who was a Chicago firefighter at the time, jokingly referred to it as "a reverse dowry." Several years before meeting Scott, Karen had been through the breakup of a relationship she thought was headed toward marriage. "I decided that if I'm not getting married, at least I'm going to have a nice apartment. I can remember standing at the counter of a furniture store unrepentantly handing over my credit card. I...

The Bible is full of advice on how to handle money. Every business owner can (and should) build their business on these essential principles straight from the Word of God. As you read through these Bible verses and associated principles, ask yourself where you see room for improvement in your own business dealings. 1. CONDUCT YOUR BUSINESS WITH HUMILITY. Be realistic about your human nature. Everyone makes mistakes, and I’d venture to guess you’ve made a few. Humility causes us to listen to our...

It’s said some cooks are born, not made, and Anne Grimes agrees.  “I think I was born with a pan and a spoon in my hand, ” laughs Anne. “By the time I was nine, I was baking cakes for neighbors and had a business going.”   Anne’s love of cooking continued after she married. She and her husband started a local bakery. But after a few years, jobs in her town were scarce, and the people there moved out. “All of a sudden, the town just dried up. And so, there was very little business there. So, we...

The coronavirus pandemic is causing the world to realize just how fragile life can be.  More than ever, people need to hear that God is good and offers us salvation through Jesus.  As Christians, we have a unique opportunity to glorify God as we serve our neighbors. Through the ages, amazing things have occurred during difficult times. The story of C.S. Lewis writing the classic book Mere Christianity is one of those.  In the book, C. S. Lewis at War - The Dramatic Story Behind Mere...

Linda Beavert never thought she’d be able to enjoy retirement. “I've just sailed through it. I know because God's held my hand, you know.  He answers, and he leads me and there's just no better peace, no better confidence.” For most of their thirty-seven-year marriage, Linda and her husband struggled financially, even though they both worked full-time. “I was never comfortable about our money situation. We didn't know about budgeting; we never budgeted, and we lived from hand to mouth, just...

Dear Dave, I have $11,000 in a mutual fund account that is not a retirement account. My wife has a retirement account through her job as a teacher, but I do not have one at all. We’re in Baby Step 2, so should we cash out the $11,000 in the investment account to help pay off debt? Chris Dear Chris, If this money is designated as non-retirement funds, I’d say go ahead and cash it out. Use the money to pay down debt, and continue to stay focused working the Baby Steps. Get that debt paid off,...

Millions of people are caring for someone with severe memory loss, trying to find ways to connect. One of the best ways anyone has found is music. We examine the unexpected power of song to supercharge the human mind.

Original Air Date: August 17, 2019

Guests:

Shannon Henry Kleiber — Oliver Sacks — Francine Toder — Anne Basting

Interviews In This Hour:

The Power Of Music And Memory: 'Music Was Waking Up Something Within Each Of Them' — The Deep Connections Our Brains Make To Music — It's Never Too Late To Learn To Play — MacArthur Fellow Anne Basting On Asking People With Dementia 'Beautiful Questions'

We owe our past and future existence on Earth to fungi. Some can heal you, some can kill you, and some can change you forever. And the people who love them are convinced that mushrooms explain the world.

Original Air Date: June 08, 2019

Guests:

Lawrence Millman — Paul Stamets — Eugenia Bone — Michael Pollan — Dennis McKenna — Robin Carhart-Harris

Interviews In This Hour:

Humanity? It All Started With The Raven and Fungus Man — The Soil-Cleaning, Insect-Warding, Smallpox-Curing Power of Mushrooms — From Candy Caps To Morels: Notes From A Mushroom Hunter's Cookbook — John Cage, Vaclav Halek and the Marvels of Mushroom Music — Did Magic Mushrooms Shape Human Consciousness? — 'Fantastic Fungi' And How To Film Them

A new generation of Black farmers are working to reclaim land, hoping to grow justice along with vegetables and plants.

Original Air Date: August 22, 2020

Guests:

Leah Penniman — Savi Horne — Venice Williams — Marcia Chatelain

Interviews In This Hour:

How Black Farmers Lost 14 Million Acres of Farmland — And How They're Taking It Back — 'When You Hold Land You Have to Keep It' — My Garden Is An Outdoor Parish — Cooking Greens: A Delicious Family History Lesson — The First Job, The Polling Place, The Community Space: How McDonald's Became 'The Closest Thing To Home' For Black Communities

Why don’t we all just take moment to acknowledge that we are collectively exhausted? The pandemic, the protests, the President’s Twitter feed — everything is exhausting. But maybe it doesn’t have to be?

Original Air Date: October 24, 2020

Guests:

Katrina Onstad — Emma Seppala — Richard Polt — Filip Bromberg — Lars Svendsen — Anne Helen Petersen

Interviews In This Hour:

Can We Not? How The Pandemic Has Made Burnout Worse Than Ever — Sunday Night Blues, Monday Morning (Short) Fuse — Setting Too High A Bar For Success Is Running Us Ragged — To Waste Time Is To Deepen Life — Why Swedes Are Trading Jobs For Meaning — Have You Considered Doing Nothing?

MASTERCHEF  “My dear friend Maryann sent me a flyer one morning telling me to apply to be on Fox’s TV competition MasterChef,” Lexy explains. “I loved to cook, and loved the show, but I never ever thought my two minutes of spontaneous boldness would lead to all of this. My time on that show was challenging. I was six weeks pregnant with my third child upon arriving in Los Angeles and morning sickness took full effect as soon as I stepped into that amazing kitchen. I was stressed every day,...

The only source of water for Idealis was a river in their remote village in Indonesia.  But the path there can be dangerous.  Idealis explained, “When we went to the river to collect water, we often found snakes along the way. It took an hour to get water.”  Idealis lives with his mom, who is a widow.   His mother said, “The river water is contaminated because people put poison in it to kill fish. It makes the water smell bad and makes us sick when we drink it.”    Idealis explained, “When I...

How many times have we heard that confession is good for the soul? One of the first scriptures that we are taught as new Christians is the Apostle John's admonition to confess our sin.

Before Christ transformed my life, I walked a sad, lonely road. According to the world, I had it all. However, from an eternal perspective, I was a dead woman walking. Like the Apostle Paul—and all those who call Jesus Lord and Savior—I experienced the life transformative power of Christ and was never the same.  But even before I was born, God chose me and called me by his marvelous grace. Then it pleased him to reveal his Son to me so that I would proclaim the Good News about Jesus to the...

“Fear not, for I have redeemed you; I have called you by name, you are mine.” (Isaiah 43:1 ESV) As I knelt at the altar, I cried harder than I had in a long time. After years of struggling with God for power and control, I had finally realized that my way wasn’t working and surrendered everything to Christ. But guilt tore at me. I had strayed and disobeyed God. I had doubted His love and even shouted at Him in anger. I cringed as I remembered the Bible teaching from my childhood. I had wasted...

I came back with more lessons than souvenirs during my trip to the Emerald Isle this past summer. One of them I learned from a local Irish family who welcomed me and other members of my tour group into their home.  Seated around a beautifully laden dining table, we all joined in a riveting discussion on the intricacies of Irish culture over homemade shepherd’s pie. At one point during the evening, our hosts—a wonderfully hospitable married couple—asked their 17-year-old daughter to play the...

As this week unfolds, half of America will be furious, or crushed in spirit to say the least. Hundreds of millions of others will be elated, full of joy. Of course, a disinterested smaller segment of the population will yawn their way through the news of the day. Truly a nation divided, far from Jesus’ prayer for unity found in John 17. As news junkies and concerned citizens monitor election results and their given candidate’s victory or defeat, our gaze unfortunately shifts from loving God...

Product Focus on Glazing

Product Focus on Insulation

With over 1,000 years of collective industry experience among them, Ram Board, Surface Shields, Trimaco and Antinox are united under one parent brand: Icon Protection.

Join us at our upcoming webinar “Using Spray Textures on Walls and Ceilings for Stunning Results” on Sept. 6 at 2 p.m. ET.

Product Focus on Insulation

The storm that ended the EIFS housing boom.

At one time, 30 percent of the EIFS business was in the residential market.

The Coronavirus has caused many material shipments to be delayed or cancelled. As a result, the cost of ordering and supplying materials for many items has increased. 

With ransomware attacks on high profile businesses like Colonial Pipeline and JBS Foods in the headlines, construction managers at organizations of all sizes are increasingly asking, “Are we vulnerable too?” or even “Are we next?”

For many business owners, it is estimated that as much as 80 to 90 percent of their net worth is tied up in the value of their company.

Are credit cards the right path for subcontractors to buy materials for a project? Here’s a breakdown.

An Insulation Contractors Roundtable

InfernoShield is a new non-combustible insulated glazing panel designed to provide superior protection from fire when installed in window, glazing and curtainwall systems. InfernoShield panels create a highly decorative and durable surface with exceptional fire performance properties.

The International Fire Code requires annual visual inspection of all fire-resistance-rated assemblies and the protection features – firestopping included. Fire doors can be the entry to building owners to help them satisfy the annual visual inspection requirement in NFPA 80 and the International Fire Code.

October product focus on Firestopping/Fireproofing.

3A Composites USA announced that its ALUCOBOND FaceFastened system successfully passed third-party NFPA 285 testing on a wood-framed assembly, which is commonly used in low-rise, multifamily and mixed-use market segments.

RectorSeal continues to press forward on the acquisition trail. On Feb. 6, RectorSeal announced the acquisition of Dust Free indoor air quality products.

Fireproofing works through a system of tests and instructions.

Before you hurt yourself jumping out of your Barcalounger so you can dial up the editor to launch complaints about this piece, a thread on the Walls and Ceilings bulletin board regarding "Box Marts" struck a nerve in yours truly and was the motivation behind this month's diatribe.

The year was 1977 and yours' truly was trying desperately to hold the end of a 12-foot sheet up while trying to finger a nail into the edge of the board and hit the nail instead of my fingers with a roofing hatchet. If memory serves, back then we were using blue ring shank nails. The heads were barely larger than the circumference of the rings, so it was virtually impossible to drive one without ripping the face paper under ideal conditions, and these were not ideal conditions.

Over the past three decades I have met all sorts of Drywall Dogs.

An important part of responsible power tool ownership is to appropriately dispose of rechargeable batteries at the end of their service life. Yes, lithium-ion batteries have revolutionized power tools and other devices by providing long-lasting, reliable power. However, no battery lasts forever.

Your wealth is at risk if you do not understand these myths.

You don’t know what you don’t know.

Knowing the best times to buy or sell can be critical during the exiting of your business.

How to decrease taxes and increase savings to grow and protect the value of your business.

Most owners cannot see the importance of planning and creating a strategy to exit their business.

Early November saw the end of one of the most contentious political presidential elections in quite some time.

Part one of a two part series that outlines some occupational hazards before selling the business.

The new tax law could mean a boom for certain industries.

Most owners continue to be stuck in their business until they can clearly see the path to replace their income and maintain their lifestyles in retirement.

SOPREMA celebrated the grand opening of its new state-of-the-art headquarters in Wadsworth, Ohio, in September. The event brought together key stakeholders to mark a significant milestone in the company’s commitment to sustainability, innovation and growth in the United States.