Stump the Pastor

What I wanted to tell you on Sunday morning, but you were sleeping.



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Monday, January 28, 2008

Corner Gas


DVR is a wonderful thing. Ever since the advent of DVR, Andrea and I have had an evening tradition of spending an hour or so watching our favorite TV shows once the kids are asleep. It's a great way to wind down at the end of the day.

Our current favorite is a Canadian sitcom called, "Corner Gas." If you have a quirky sense of humor and you like the early 90's show "Northern Exposure," you will probably enjoy this sitcom based on life in a small town (Dog River) in the province of Saskatchewan.

WGN shows corner gas late each evening. Record it if you can.

Tuesday, January 22, 2008

Closing on Fairway


Today was the day I put my money where my mouth is. I have been encouraging others to consider buying investment property while prices are low. This afternoon, I closed on our new investment on Fairway Lane in Thornhurst.

I have been telling my children for weeks that there is a secret passageway underneath the house and I would let them search for it once the house was ours. The secret passageway is just the crawl space that gives access to the foundation and the water pipes.

I let the kids search for a while and I believe it was Hannah who noticed where the crawl space was accessed. I crawled in first and then let the kids come down to see it. They had a lot of fun and both Andrea and I found it entertaining to see them so amused.

Friday, January 18, 2008

Movie?

This is kind of neat.

The other day, I heard that they were going to be shooting a movie in Scranton called, "Matter of Honor." It stars Harvey Keitel (from National Treasure) and Doris Roberts (from Everybody Loves Raymond). I learned that they needed some extras so I contacted their casting department. They asked me to send pictures and a resume so I did. I just heard back from them and they're planning on using me in the movie. I'm not kidding.

It pays nothing. I probably won't say a word. I'll probably just be a blurry person walking a dog across the street in some distant shot, but still, I thought this was really cool.

Don't worry. I won't let my new found fame as "Blurry guy walking dog," go to my head.

Thursday, January 17, 2008

Coffee conundrum

Krispy Kreme makes the best donuts.

Dunkin Donuts makes the best coffee.

Starbucks has the best atmosphere.

I want the best of all worlds, so where am I supposed to go?

Wednesday, January 16, 2008

Big fat update 13


Date I started trying to lose weight: 7/8/07
Starting weight: 205-209 lbs.
Goal weight: 150-155 lbs. (revised lower)
Current weight: 164 lbs.
Total pounds lost so far: 41 lbs.

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You may have noticed that it has been just over a month since I last posted a "Big Fat Update." Believe me, I wanted to post one sooner. Over Christmas and New Year's I allowed myself to eat a little extra at special events (not too much, just a little). I still maintained my exercise regimen. In the process, my weight increased back to 167 lbs.

I eventually lost the extra two pounds, but the scale didn't budge from 165 lbs. for quite some time. Even though I was watching what I ate and exercising, I had officially plateaued.

Most experts teach that if you "plateau," you need to add more variety to your routine so your body will become "confused" and begin shedding excess weight again. I have altered my eating habits and exercise routine, just slightly. I'm also making a conscious effort to drink more water.

The end result: I have finally started to chart new territory once again.

Invest


Since late October, I have been educating myself on sound investment strategies. It has been quite an eye-opener to realize just how unaware I have been. From everything I read, I have come to the realization that most often, real estate is one of the best investments around.

That may seem like a strange statement to you, especially if you've noticed the recent downturn in the real estate market. Still, overall, real estate tends to be the best performing asset with the least out of pocket expense.

For example. If you wanted to buy $100,000 in stocks, how much would it cost you? The answer is $100,000. On the other hand, if you want to buy $100,000 of real estate, how much will your out of pocket expense be? The answer is probably around $10,000 or maybe even less (if you're creative).

If you buy property and rent it out, your loan is being paid for by someone else. Add to that the fact that real estate values typically double every ten years AND the many tax deductions you can take if you own property. All in all, these factors and more combine to make a pretty decent investment option.

This year, house prices are expected to decline. This is bad news if you're looking to sell, but great news if you're looking to buy. Basically, in shopping terms, this means that houses are going to be "on sale" this year.

I plan to take advantage of this by purchasing three income producing properties before the end of 2008. That is my current investment goal. I would strongly encourage you to consider doing the same while prices are low. Before you know it, prices will be back on the rise.

It will be interesting to see, when 2008 concludes, if I followed through on this goal.

Monday, January 07, 2008

Pizza day


My family was having a discussion a few hours ago during dinner. Our discussion centered around the subject of pizza.

What day of the week do you believe is universally recognized as "Pizza Day"? I'll share my answer sometime soon.

UPDATE 1/16/08: The correct answer is Friday. Now you know.

Thursday, January 03, 2008

A look back at 2007


A fun thing that most of us like to do when a new year begins is to look back at the course of events that took place during the previous year. I'd like to take a minute to record my thoughts on 2007.

2007 got off to a rough start for me. I had recently announced to my church that I would be stepping down as pastor at the end of my contract. This decision didn't sit well with many people. Most people have a difficult time adjusting to change. This seems to be especially true in the context of the church. There are many jobs in this world that only require a 2-week notice before stepping down and most people tend to give you the benefit of the doubt that you know what you're doing when you make that decision. That is not the case when you are a pastor. I gave a 9-month notice which resulted in creating a very difficult and awkward stretch of time in my life. Most of my family, friends and church members did not agree with my decision and many people either tried to talk me out of it or began resenting my decision. I knew the process was going to be difficult, but I firmly believed that I was following the Lord's leading.

My family began the process of moving to our new home at PMBC. Moving is always stressful. Once we moved, we placed our home in Plymouth on the market and waited and prayed for it to sell.

For the past few years, I have lived an extremely busy life. I have taken very little time to focus exclusively on my family or myself. In the midst of being constantly busy, I gained a lot of weight and was also becoming a little depressed. I have rarely struggled with feelings of anxiety in my life, but early in 2007, those feelings were truly beginning to surface. I decided that it was time to do something for the benefit of my family... something that I hadn't bothered to do up to that point. I arranged a nice Florida vacation for us. In late January, we drove to sunny Florida and had a WONDERFUL time together. That vacation was just the right thing at just the right time. I was so thankful for it. It was the perfect therapy for a stressed and exhausted family. In addition to spending time in the nice weather and a fun day at Magic Kingdom, I especially loved the fact that every day was spent with my wife and kids - without interruption. I decided part-way through the trip that this would be a tradition that we would try to uphold every year.

February through May continued to be a very stressful time at church. The process of finding a new pastor seems to alter even the most pleasant personalities. The church found a pastor two weeks before I left and I think we all breathed a sigh of relief. God is in control and I knew that He would work things out for the best of the church. It's just a little difficult to remain patient and wait on Him for His answers.

Almost immediately after I finished at the church, the Summer program began at PMBC. The Summer is a wonderful period of time in a camping ministry, but it is thoroughly draining. For several months in a row, we operate almost 24/7 with no substantial break. I'm thankful that I have scheduled a small break during the middle of our camping season, but it isn't truly enough to recuperate. I still love that time of year. Even though I look and act like a zombie by the end of August, I'm so thankful for the privilege of being a part of a ministry that produces so much lasting change in the lives of so many young people.

During this past Summer, I made a few realizations about myself. I decided to correct some issues that I had let slip for too many years. The first issue I tackled was my weight. I was approximately 55 lbs. overweight and I decided on July 8th, after praying for motivation, that I would begin eating healthier and getting more exercise. By the end of 2007, I had lost 40 lbs. As I write this, I'm getting very close to my goal weight. I expect that within a few more months, I should be there.

I also made plans to spend more time with my family once the camping season was over. I arranged with my mother to have her watch my kids one night a week so I could take Andrea out on a date. This was such a good decision. I feel like Andrea and I have a much better relationship now that we get to spend some time alone. Every week, we look forward to catching a movie or getting dinner and coffee. I know my mother enjoys getting to spend time with my kids as well. And the kids enjoy getting to see her.

In September, I kept the pledge I had made to myself during our Florida vacation and booked another trip for this Winter. Now that the weather is cold, I find myself looking forward to that trip nearly every day.

In addition to my decisions to lose weight and begin devoting more time to my family, I gave my finances a serious look as well. My decision to step down from the church meant that I was effectively cutting my yearly salary in half. I knew that God wanted me to do this, but I also knew I would have to make some changes.

Like most middle-class families, I found myself living from paycheck to paycheck. All of my money was being spent on one thing or another without anything left over. I had some savings and by October, I was dipping into those savings every month just to pay our bills. You can only do that so long before the money runs out so I began praying that God would show me better financial strategies so I didn't continue this negative process. God answered that prayer by leading me to read the book Rich Dad / Poor Dad by Robert Kiyosaki. After reading that book (and further books in the series), I had learned a much healthier way to manage my money. I immediately went to work on improving my financial picture (read through my November and December 2007 posts for more details). I reduced my monthly expenses and began preparing to use the added funds to invest in financial assets that would produce passive income (namely, real estate).

In late December, I placed an offer on a nice home that I plan to rent out as a vacation rental property. I believe the Lord directed me to this home and this strategy. The bank told me that they would lend me the money if my home in Plymouth had a buyer. I placed my offer on the new home in faith, believing that God was going to take care of the details that were outside of my control. Literally, within a few days (after the home was on the market for 8 months), I received a full price offer on the home I needed to sell. I have learned that God rewards our steps of faith.

I have been more content and have felt more purposeful over the past few months than I have felt in years. 2007 got off to a rough start, but the second half of the year has been one of the best seasons in my life.

In 2007, God has taught me:
1. Walk by faith and follow His leading (even when no one else understands).
2. Invest in your health. You'll feel better and you'll look better.
3. Invest in your family. Nothing in this world is more important than your wife and kids.
4. Make good financial decisions. Don't set yourself up for financial failure by buying into the most common misconceptions about money. Most people in your life and my life have no idea how to make money work for them.
5. Look forward to the future. God has good things in store for those who trust Him.