In Need of Relief

In Need of Relief

Our pastors have invested in us, our families, and the communities we serve. Whether they’re teaching us through their sermons, leading us in worship, pouring into our families, or enabling ...
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September 10, 2019


We are at a very interesting time in the economy. There are indicators appearing that haven’t been seen in many years—some on the positive end, but a lot on the…
August 27, 2019

No Offense, But…

It takes a thick skin to live in the world these days. To be fair, people have been the same sinful, fallen creatures since the Garden of Eden, so it’s…
August 20, 2019

The Fish Eye Lens

Too many families are not saving enough. There are several reasons why this is true, but a significant reason is that they spend too much in one or more areas…
August 7, 2019

Anything For Our Kids

I was talking to a friend the other day. It had been a while since we caught up on each other’s families. She is a single mom who has done…
July 30, 2019

Practice Makes Better

I had a professor in college who believed in something he called “the cult of the amateur.” Being prone to overstate things, he didn’t really mean “cult”. Essentially, he thought…
July 16, 2019

The Hurdles We Place

I was watching the International Track and Field Event this past weekend from Oslo, Norway. In my view, there is no more raw and honest sporting event than head to…
July 10, 2019

Puppy Training

Lacey is now a 10-week-old Goldendoodle. She is very intelligent and has the sweetest temperament, but like all puppies, she is a lot of work. She wants nothing more than…
June 25, 2019

Giving Trends recently put out a 2019 Church Statistics Report that had some interesting facts in it. According to what they found, the trends for Church giving are down, something most…
June 18, 2019


With the economy in its tenth year since the last recession, there has been more and more talk suggesting that we have reached the late part of the expansion and…
June 4, 2019

In the Heights of Heaven

Trudging into work one day, I felt as run-down as the grey grimy streets I walked on. It was barely sunrise and my body could have greatly used more sleep,…
May 28, 2019

Seeding a Church Plant

Here at Church Investors Fund we have been blessed to partner with churches to purchase land, construct new buildings, renovate, refinance existing debt, or even to provide a line of…
May 14, 2019

The Family Circle

If you want to go fast, go alone. If you want to go far, go together. -- African proverb The notion of family often brings up a lot of emotion…
May 7, 2019

Wedding Speech

I gave my first wedding speech at my sister’s wedding, but that was many years ago. I couldn’t tell you what I said or what it was even about. I…
April 23, 2019

There’s a Hole in My Pocket

Saving my hard-earned money when I was a teenager was not my strong suit. In fact, if I didn’t know better, I would swear there were holes in my pockets.…
April 16, 2019

Sin & Sunday

’tis the season…to ponder human mortality. Throughout the Church, many Christians take the weeks before Easter to seriously consider the weight of their sin and their great need for a…
April 2, 2019

Dealing With Injustice

We see it around us every day—people making decisions that are not based on biblical truth. We understand as Christians we are not to judge others; but how often do…
March 26, 2019

Carrying Others’ Burdens

My wife and I woke up early that morning. In fact, way too early in my opinion. It was 3:00 am when the alarm went off. Unfortunately, I had been…
March 12, 2019

Who is Really Paying?

It is a point of frustration for many Americans, when they fill out their taxes during this time of year, to find out how much they actually paid. Many then…
March 5, 2019

Necessities, Luxuries, and Fish & Chips

Lately I’ve been doing research on how the British government instituted its rationing policy during the Second World War. Although I am utilizing the information for a particular project, thinking…
February 26, 2019

Stewarding Our Time

The last I checked, there are still only 24 hours in a day. God set this up when He created the heavens and the earth, and it is our job…
The-Best-Laid-Plans Articles
February 12, 2019

The Best Laid Plans

I have written several articles on the problems that come with not planning. I am by nature a planner myself and so I have often tried to help those who…
Advancements-in-Retirement-Planning Articles
January 30, 2019

Advancements in Retirement Planning

Over the last 15-20 years there have been amazing advancements in technology, and the amount of industries that have been changed through these advancements is countless. One of the most…
A-Warning-Sign Articles
January 16, 2019

A Warning Sign

We have all read stories about the Boomer generation being less prepared for retirement than the generation before them; this is not new. What is new are the various ways…
January 2, 2019

Confidence in Tomorrow

It’s a new year. The house has suddenly become eerily quiet as the conversations and laughter of family and friends has left what was a full house. The Christmas decorations…
December 19, 2018

Retirement Age

In a recent poll done by it was interesting to hear how the average American (and Canadians wouldn’t be very different) is viewing their retirement years and how things…
December 5, 2018

A New Year

It’s hard to believe that in a few short weeks the New Year’s Eve ball will drop, marking the end of another year and the beginning of new hopes and…
November 28, 2018

It’s the Little Things

Some of my fondest memories of growing up were the times spent with my mom. Her name was Dorothy Jane, but everyone called her “Dot” for short. She stood just…
November 14, 2018

Retirement Pitfalls

Congratulations, you finally made it to retirement! You can now relax and enjoy the nest egg you worked so hard to build. At least that’s the plan. The truth is…
November 7, 2018

The Platinum Rule

If you grew up in the church I am sure you have heard of the ‘golden rule’; it is long established as the gold standard for how we should treat…
October 31, 2018

Prepare for Rain

When thinking of March 11, 2000 and September 15, 2008 what comes to mind? Some might remember that those 2 days marked the beginning of the Dot-com Crash, and the…
October 17, 2018

Act Justly, Love Mercy

From its beginning the Church has always struggled with balance. It doesn’t come naturally to individuals, so I guess it is bound to also be the nature of those gathered…
October 3, 2018


I still remember the first time I received Legos for Christmas. It was a huge plastic bucket filled with endless possibilities. The question wasn’t what was I going to make,…
September 26, 2018

Not So Common Sense

I was watching a documentary about Jews in Iran the other day which I found most intriguing. It talked about the fact that the Jews have been in Iran (or…
September 19, 2018

Who is My Neighbor?

Well, I always think of my neighbor as the person living close to me, which consists of my family, and the people who live in my neighborhood. Now, it is…
September 5, 2018

You Will Have R-E-S-P-E-C-T

When I write R-E-S-P-E-C-T, you probably instantly think of Aretha Franklin’s popular song called Respect. What an amazing artist. Over her singing career she had two Number 1 hits and…
August 29, 2018


I recently came across a quote from Winston Churchill that has got me thinking. In the quote he said, “courage is the first of human qualities, because it is the…
August 22, 2018

Time Flies

Have you ever noticed that the older we get, the more quickly time seems to pass by? I’m sure you have. We all have! Of course time doesn’t actually pass…
August 15, 2018

Live Life Together

So often as Christians, I think we undervalue our own need to be around other believers. Yes, it is important to reach out to those who have different beliefs and…
August 1, 2018

It’s About Relationships

Have you ever toured a college campus during the summer and thought “it does nothing for me”? Maybe you find that “it seems so cold”; only to go later when…
July 25, 2018

Finding Comfort in Technology

Not many things have changed society as much as steam engines, electricity, the printing press, and digital technology. These 4 inventions have been so life changing that they have their…
July 11, 2018


We can’t live a life of expectation, and not accompany it with deliberate discipline and planning. Unfortunately, a lack of discipline and planning has placed many baby boomers into an…
July 4, 2018

Those Rich People

Think about the richest person you know. What makes you think of them as rich, assuming they haven’t come right out and told you? Usually we assume a lot about…
June 13, 2018


Over the past couple of generations some significant trends have changed regarding giving as a percentage of income; going down from a high of around 10% of income during the…
June 6, 2018

Listen, Trust, Follow

Listen, trust and follow God’s direction. That sounds simple enough, but why then is it so difficult. It seems we can do one or maybe even two, but often not…
May 23, 2018

Sleepless Rest

A new baby. What a blessing to be able to hold, and as a mother, nurture a new baby. The smell and the feel of a newborn in your arms…
May 9, 2018

Giving Trends

With the new tax changes that have taken effect this year in the US, it has been estimated that 80-90% of households in the US could see a drop in…
May 2, 2018

Open Letter to My Son

I was recently asked by my son’s teacher to write a short word of encouragement to my son as he prepares to graduate high school and head off to college…
April 25, 2018

Millennial Views

I recently wrote a paper for a class I was taking, where the teacher randomly assigned the topic each student should write about. The topic I received was how Financial…
April 11, 2018

Is There a Hell?

Today we are interested in an easier Faith, one that does not involve too much dedication or sacrifice. Many Christians are interested in “new” interpretations of old truths. One example…
April 4, 2018

Duck on the Pond

Have you ever had the feeling that everything (okay, that’s an exaggeration) you do seems to be accompanied with a challenge? Nothing ever seems to come easy. Maybe you have…
March 28, 2018

Purging for the Win

When 2018 began I decided that my word for the year – that thing I wanted to focus on all year – would be PURGE. Much has been written on…
March 21, 2018


I spent a decade of my life in Chicago and during that time met many of its people as individuals, and if I was to sum up the majority traits…
A Missed Opportunity Articles
March 7, 2018

A Missed Opportunity

Canadians have always had a unique relationship with the United States in part because of the huge percentage of trade that flows between the two countries. Due to Canada being…
God in Your DNA Articles
February 21, 2018

God in Your DNA

When growing up, I never quite understood who I was, from an ethnic standpoint. I always knew I was a Heinz 57. Our last name “Glim” is Dutch, but I…
We Already Won the Lottery Articles
February 7, 2018

We Already Won the Lottery

Have you ever noticed that we often only turn to God for help when things get bad enough? When things are going well, we might feel we don’t need God…
Refining Us Into Gold Articles
January 31, 2018

Refining Us Into Gold

My good friend of 20 years and I were headed out of town one warm August morning. Pati wanted to grab a cup of coffee, so before beginning our journey,…
Change Articles
January 30, 2018


What enters your mind when you think of the word “change”? What images or feelings are created as you contemplate that transformational verb? Have you ever reflected on how you…
Gray Divorce Articles
January 17, 2018

Gray Divorce

In a recent Pew Research Center poll, the rate of gray divorces, which is divorces among people over 50 years old, has doubled since 1990, from five per thousand per year, to now being…
Starting the New Year on the Right Foot Articles
January 3, 2018

Starting the New Year on the Right Foot

2018 has arrived! I pray your Christmas was richly blessed and that you rang in the New Year with great anticipation as you look forward to how God will use…
The Simple Life Articles
December 20, 2017

The Simple Life

We all have heard the nursery rhyme of “what good little girls are made of”. Many of us can think of a kind little girl who would fit that description…
Soap On A Rope Articles
December 6, 2017


Soap-on-a-rope and man size Kleenex. These are the most memorable Christmas gifts I received when I was 17 years old. In fact, the memory of them still elicits a strong…
More Than Saving Articles
November 22, 2017

More Than Saving

I was reading an article recently that talked of the importance of saving for retirement. It recommended saving ten percent, or more, of your current pay check. I don’t disagree…
It's Not All A Bed of Roses Articles
November 8, 2017

It’s Not All a Bed of Roses

Some time ago I was driving to my office when something unexpected happened. A man and a woman - apparently a couple - were in the middle of the road…
Calm Passion Articles
October 25, 2017

Calm Passion

I never had the opportunity to meet him in person, but I have felt his spirit with me these past months; firstly, after doing some research on his life, and…
Virtual Assistant Articles
October 11, 2017

Virtual Assistant

“Siri, what is the name of the song that is playing?” “Alexa, remind me to pick up the dry cleaning at 5:00 pm today.” “Hey Google, what was the score…
Malaise Articles
September 13, 2017


Back in 1979, President Jimmy Carter delivered his “Crisis of Confidence” speech that has since been often known as the “malaise speech”. In the speech, he challenged Americans to face…
The Future of Social Security Articles
August 30, 2017

The Future of Social Security

What is social security and where did it originate? The Social Security Act was signed by FDR on August 14, 1935, taxes were collected for the first time in January…
A Millennial Challenge Articles
August 16, 2017

A Millennial Challenge

Did you know that millennials are now the largest living generation in the United States? In 2015, they took over that distinction from the baby boomer generation. Baby boomers have…
The Poor Rich Articles
August 2, 2017

The Poor Rich

When watching the typical news story which involves wealth, you often get the strong impression that the wealthy have always been in control; and that it is getting harder and…
More Than Preaching Articles
July 26, 2017

More Than Preaching

I recently had lunch with a young pastor who has been leading a church plant for a couple years now. The church is doing well, but it has had its…
Unconfessed Sin Articles
July 19, 2017

Unconfessed Sin

Boethius was a Roman senator at the time of Rome’s fall, and through treachery, was condemned to die by the new-king-about-town, Theodoric. It was during the year that he was…
A New Life Phase-Retirement Articles
July 12, 2017

Retirement – A New Life Phase

With the 76 year bench mark now behind me I am thinking it may be time to retire from full time ministry. I have served for over 15 years as…
Freedom Articles
June 28, 2017


Mike Merrill was short of cash in 2008, so he decided to incorporate himself - but not in the way that most people start a shareholder company. He decided to…
Contentment Articles
June 21, 2017


Sing this hymn with me. They will know we are Christians by our stuff, by our stuff. Wait….that’s not right! Isn’t it they will know we are Christians by our…
Sovereign God Articles
June 14, 2017

Sovereign God

I was visiting a church while on vacation a few months back and they played a song that I had not heard before. One of the main stanzas which struck…
Pastors_Parsonage or Own Home Articles
June 7, 2017

Pastors – Parsonage or Own Home

It was a beautiful spring, Sunday morning. Pastor Steve and his family were settling into the church parsonage, and Steve was excited with anticipation as he prepared to preach his…
Lost Ring Articles
May 31, 2017

Lost Ring

I grew up in Scotland, where I attended university, and began my career as an accountant. I loved my Scottish heritage, but, soon felt God calling me to new adventures.…
Eternity Articles
May 24, 2017


I am intrigued by mankind’s thoughts on eternity. Some have had real thought put into them, others - not so much. Some try and make the vastness of it more…
Emergency Manual Articles
May 17, 2017

Emergency Manual

In my younger days, which was a very long time ago, I had this yearning to see the world. I had dreamed of leaving my job behind as a student…
Rich Beyond Measure Articles
May 10, 2017

Rich Beyond Measure

When I was much younger, I loved to go for walks through wealthy neighborhoods and think, “someday”. The houses were amazing, and the yards were equally impressive. I don’t know…
Back in Love With Debt Articles
May 3, 2017

Back in Love with Debt

After the debt scare many experienced in 2008-9 we should have mended our ways. However, the truth is that our total debt levels are back at those same levels again.…
Lukewarm Articles
April 26, 2017


In Revelation 3 Christ talks of the 7 churches. Like a good manager would do, Christ points out the things they are doing right, and then points out the things…
Looking Forward Looking Back Articles
April 19, 2017

Looking Forward – Looking Back

At Church last Sunday, the preacher asked our congregation if they prefer to hear “Good News first or Bad News first?” Very interesting question. Research tells us that over 70%…
Nudged Articles
April 12, 2017


I read an interesting article earlier this week that talked about how retired people often get stuck in their spending habits. They are so aware that they are on a…
Take a Load Off Articles
April 5, 2017

Take a Load Off

I met this girl once (let’s call her Jan) that found herself in financial peril. Jan was one of the most vibrant girls I ever met. She loved life and…
How Much Do We Need to Save Articles
March 29, 2017

How Much Do We Need to Save?

If you have been to a financial planner, you may have come away discouraged by the amount of money that you have been told it will take for you to…
Tiptoeing into Retirement Articles
March 22, 2017

Tiptoeing into Retirement

In those carefree summer days as a boy, my brother and I loved to spend time in and around a pool. That required either riding our bikes to the park…
Route Recalculation Articles
March 15, 2017

Route Recalculation

“Route re-calculation.” I hear it nearly every time I use my GPS. More often than not it’s because I accidently missed a turn, but sometimes it’s because I think I…
Building a Foundation Articles
March 8, 2017

Building a Foundation

In 1995 our family immigrated to America. At the time, it was just my dad, mom, older sister, and me, two suitcases, and $2,000. I was just a kid, and…
Fastest Growing Crime Articles
March 1, 2017

The Fastest Growing Crime

A couple of weeks ago an observant Uber driver in my town rescued a 16 year old girl from being a victim of sex trafficking. During one of his shifts,…
The Rich Are A Puzzling Lot Articles
February 22, 2017

The Rich are a Puzzling Lot

The wealthy can be a puzzling lot. After all that is written as a warning in scripture, many of them still think that their wealth in some way makes them…
Hope in Mom-isms Articles
February 15, 2017

Hope In Mom-isms

Over the years Mom-isms have reigned in almost every household. These little bits of wisdom have shaped us into who we are today. I was thinking about some of these…
Honoring Your Parents Articles
February 8, 2017

Honoring Your Parents

I was intrigued by a story I recently read which spoke to what it meant to honor your parents. We all have heard the verses, but it was surprising to…
Failing For God's Plan Articles
February 1, 2017

Failing for God’s Plan

I found myself giving my son advice the other day on how to deal with a challenge he was having with his soccer coach. I started telling him that he…
Working Together Articles
January 25, 2017

Working Together

The Great Recession has forced many families to work together to save their homes, and in some cases those who did lose their homes had to move in with either…
Economic Mobility Articles
January 18, 2017

Economic Mobility

Trending on Facebook is the story of Milton Hershey. It’s one of those stories that has a picture and a caption set to music, kind of like a silent movie,…
Preparing for Change Articles
January 11, 2017

Preparing for Change

It was over 22 years ago now that my wife, Nora, and I decided to have our first child. We had been married about 5 years already, but yet we…
How Majestic Articles
January 4, 2017

How Majestic

This summer my family and I went on an adventure to explore Yosemite National Park in California’s Sierra Nevada Mountains. We had never visited before and heard it was one…
Pay Scale Data Articles
December 21, 2016

Pay Scale Data

Lately, there has been some interesting data coming out of the records from, the wages website. According to their stats there has been some long term changes happening in…
Christmas Traditions Articles
December 7, 2016

Christmas Traditions

Christmas has always been a magical time of year for me. When I was a child, we had quite a few traditions, and when I married Nora, we came together…