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  Thinking about  retirement  feels like standing at the edge of a new adventure, especially for baby boomers. It’s about figuring out how to enjoy those golden years without stressing over finances. Now, how much do you really need? Well, it all boils down to understanding your lifestyle expectations and matching those with your savings. Let’s start with average retirement savings for boomers. Many find that assessing their current savings gives them a snapshot of what they must work with. This includes looking at all retirement accounts like 401(k)s and IRAs. It’s also about understanding what lifestyle you plan on leading and how it relates to your savings. Dreaming of world cruises or more modest plans? Be real about matching your goals with your budget. Healthcare, inflation, and the cost of living are three big players in how much you’ll need. Healthcare costs keep rising, and it’s wise to keep inflation and living expenses in your crosshairs too. Knowing this, sett...

April First ~ God's Daily Minute “Come unto Me and I will give you rest.” – Matt. 11:28 ~    O GOD, our Father, and the Father of our Lord Jesus Christ, it is written in Thy Word that Thy Holy Spirit helpeth our infirmity that we may know what we should pray for as we ought; and that He maketh intercession for the saints according to the will of God. We yield ourselves to Thee, our God and Father, that Thy Sprit may exercise this grace toward us, and work this gift in us just now; that He may cleanse our hearts from all iniquity, and lift them up in the worship and love of Thy Holy Name; that He may comfort us in our trials to-day; that He may strengthen us in every moment of temptation; that He may guide us in all our ways to do Thy will; that He may help us in our toil and enlighten us in our perplexity. O Heavenly Father, shed abroad Thy love in our hearts and keep us loving, hopeful, patient, kind and true, thus blessing all with whom we come in contact...

April Twenty-Eighth ~ God's Daily Minute   “Rejoice evermore. Pray without ceasing. In everything give thanks, for this is the will of God in Christ Jesus concerning you. Quench not the Spirit. Despise not prophesyings. Prove all things; hold fast that which is good. Abstain from all appearance of evil. And the very God of peace sanctify you wholly; and I pray God your whole spirit and soul and body be preserved blameless unto the coming of our Lord Jesus Christ.” – 1 Thess. 5:16-23 ~ Create in us a clean heart, O God; and renew a right spirit within us. Cast us not away from Thy presence, and take not Thy Holy Spirit form us. We commend to Thy loving protection all those for whom we long to pray (especially those whom we now name in our hearts before thee ***). Give to them all their heart’s desire, we pray Thee, in as far as Thou seest it best, for Jesus sake. Bring each of us, O Father, to the close of this day in peace and honor. For all those who love us so m...

March Thirtieth ~ God's Daily Minute   “He forgetteth not the cry of the humble.” – Ps. 9:12 ~ OUR Heavenly Father, we thank Thee for the watch care that was over us while we slept, and that Thou hast brought us in health and strength to see the light of this new day. But we need Thee more in the daylight than we do at midnight. Open our eyes to the opportunities and privileges of this day. As a servant would come to this master in the early morning to receive directions for the day, so we come to Thee, seeking divine guidance. Strengthen our bodies, clear our heads and warm our hearts, that we may live this day in accordance with Thy Holy Will, and that we may do nothing displeasing in Thy sight. Bless us in our home life, that by precept and example we may lead our children in the good and right way, and help us to make the atmosphere of our households so much like Heaven that it will be the natural thing for them to grow up in the “nurture and admonition of t...

“If you truly want to be respected by people you love, you must prove to them that you can survive without them.”  ―  Michael Bassey Johnson

March Seventeen ~ God's Daily Minute   “Hear, O Lord, when I cry with my voice.” – Ps. 27:7 O Lord, our Lord, how excellent is Thy Name in all the earth. Thou art our God, and the God and Father of our Lord and Saviour Jesus Christ, through Whom we, Thy children of faith, have the forgiveness of our sins Thou art our father’s God; and Whom they in the flesh confidently worshipped, we, their children, would also reverently worship and adore. Humbly, yet devoutly, would we give thanks to Thee, O God, for Thy great love revealed to us in Christ; and for Thy rich and unfailing providences to us, and to all men. For Jesus’ sake, receive our thanks. Continue Thy loving favors to us, and grant us pardon for sin, and life eternal. Give us, we beseech Thee, the Holy Spirit as our Guide this day, into truth. May He ever comfort us and all Thine in times of sorrow or of trial. May He strengthen us when we are weak. May He raise us up again, if we fall. May He int...

Hexagram  44 B y: James Byrd I.The Oracle   A. Hexagram forty-four is Gou , or Coupling. Variations are Coming to Meet and Meeting. Its lower trigram is Xun : ground or wind, and its upper trigram is Qian : force or heaven.          B. The Judgment    1. Coming to Meet. The maiden is powerful.    2. One should not marry such a maiden. C. The Image   1. Under heaven, wind:       a) The image of Coming to Meet.       b) Thus the prince act when disseminating his commands,            And proclaiming them to the four quarters of heaven.  II. My interpretation   A. " Liaison " So close to valentine to be stuck with the idea of not trusting the fidelity of another person's love life. To touch such a person would prove wrong. A strong and non-subornation person in any...

  "As for me, far be it from me that I should sin against the Lord by failing to pray for you . And I will teach you the way that is good and right." 1 Samuel 12:23 emphasizes the responsibility of leadership, the power of intercession, and guiding others toward the right path. Applying this to major business trends and positive movements today, we can see its relevance in the following areas: 1. Ethical Leadership & Corporate Responsibility Just as Samuel committed to praying and guiding the people, modern business leaders are expected to act with integrity, mentor their teams, and contribute to society. The rise of conscious capitalism and ESG (Environmental, Social, and Governance) investing reflects this shift. Companies that prioritize ethical leadership—such as Patagonia , Tesla (in sustainability), and Microsoft (in AI ethics)—are setting the example of doing business " the good and right way. " Advertisement. From< WA > 2. AI and Responsible Inno...

February Ninth ~ God's Daily Minute “And it shall come to pass, that before they call, I will answer.” – Isa. 65:24 ~ Our Heavenly Father, we thank Thee for our home and our work and our friends. The morning calls us to the joy and toil and trial of a new day, and we want to begin in right, in the sense of Thy nearness and care. Give us strength to meet the common duties of the day, and to live with our kindred and friends happily and helpfully. In our school life, in our home-making, and in our business, may we be guided by the purposes of Jesus. If it be Thy good will, keep us from great temptation to do wrong; and furnish us with strength for the trials which Thou willest us to endure. May Thy healing and comfort abide with those we live, who are in sorrow and sickness; make them brave and hopeful. We pray Thee to prosper us in our work, in order that we may use all our gains for the good of others.   May our home and family be the abiding...

Hexagram  19 B y: James Byrd I.The Oracle   A. Hexagram 19 is called Lin, or Nearing. Other variations are Approach and The Forest. The lower trigram is Dui : open, swamp or forest. The upper trigram is Kun : field or earth.        B. The Judgment    1. Approach has supreme success.        Perseverance furthers.    2. When the eighth month comes,        There will be misfortune.   C. The Image   1. The earth above the lake:       The image of Approach.   2. Thus the superior man is inexhaustible       In his will to teach,       And without limits       In his tolerance and protection of the people.    II. Another interpretation   A. "Approach" For now, the idea of this hexagram tends to move towards a leader who for now should not use force to meet...

Credit: “God's Minute: A Book of 365 Daily Prayers Sixty Seconds Long for Home Worship” “Cry. Forgive. Learn. Move on. Let your tears water the seeds of your future happiness.”  ―  Steve Maraboli

January Twenty-Eighth ~ God's Daily Minute “I was glad when they said unto me, Let us go into the house of the Lord. Our feet shall stand within Thy gates, O Jerusalem. Pray for the peace of Jerusalem. They prosper that love Thee. Because of the house of the Lord our God I will seek Thy good.” – Ps. 122: 1-2; 6; 9 ~ For Sunday Morning O LORD, Jesus Christ, Who on this day didst arise from the grave, send forth Thy quickening Spirit, we beseech Thee, upon Thy people, that they may rise to newness of life. Drive away worldly cares, lift up our minds to high and noble thoughts, and to spiritual desires. Hear the prayers of all that are offered in public and in private, for themselves and for their brethren. Grant that all who can may attend the public worship of Thy church, and approach Thee with reverence and confidence. Bless the ministrations of Thy Word and Sacraments. Inspire those who speak and act in Thy name, with the spirit of truth, and love, and p...

"The greatest orator, save one, of antiquity, has left it on record that he always studied his adversary's case with as great, if not still greater, intensity than even his own. What Cicero practiced as the means of forensic success requires to be imitated by all who study any subject in order to arrive at the truth. He who knows only his own side of the case knows little of that. His reasons may be good, and no one may have been able to refute them. But if he is equally unable to refute the reasons on the opposite side, if he does not so much as know what they are, he has no ground for preferring either opinion. The rational position for him would be a suspension of judgment." ~ John Stuart

Hexagram  52 B y: James Byrd I.The Oracle   A. Hexagram 52 is Gen , or Bound. Further interpretations are Keeping Still, Mountain and Stilling. Its lower and upper trigrams are the same,  gen : bound or  mountain.         B. The Judgment    1. Keeping Still. Keeping his back still        So that he no longer feels his body.     2. He goes into his courtyard        And does not see his people.        No blame. C. The Image   1. Mountains standing close together:       The image of Keeping Still.   2. Thus the superior man       Does not permit his thoughts       To go beyond his situation.  II. My interpretation   A. "Keeping Still" After reviewing this hexagram, the only precept I can get from it is meditation . It ...