Victory Over Your Finances
Looking For A Job?
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“And when it rains, look up rather than down.
Without the rain, there would be no rainbow.”
Finding Your Next Job Fast
Kevin Brennfleck and Kay Marie Brennfleck National Certified Career Counselors and Life Calling Coaches SM
Need to find a new job quickly? In this economy, many people need to find work fast, yet they unwittingly prolong their unemployment. One study found that 95 percent of job seekers make mistakes in their job search that hinder them from securing their next job. The tips in this article will help make sure you are not one of them!
Most job-hunting mistakes fall into two categories: (1) unproductive methods of finding job openings, and (2) ineffective interviewing skills. In today’s insecure job market, it makes sense to learn how to use the very best job search strategies. Knowing how to reduce the time it takes to find a new job is one way you can have “employment security” in an unstable economy. CLICK HERE TO READ THE REST OF THE ARTICLE.
Most job-hunting mistakes fall into two categories: (1) unproductive methods of finding job openings, and (2) ineffective interviewing skills. In today’s insecure job market, it makes sense to learn how to use the very best job search strategies. Knowing how to reduce the time it takes to find a new job is one way you can have “employment security” in an unstable economy. CLICK HERE TO READ THE REST OF THE ARTICLE.
Ace Your Interview
Stephen Jennings Author of Promoting Yourself, Tips & Tools for Acing the Interview
Companies like to ask a lot of questions when interviewing. It starts out with “Tell me about a time when you… lost a sale, won a sale, worked on a team and it went well or did not go well, when you were the leader of a project, how you handle rejection," etc... These seem like easy questions to answer but for the majority of people it can be difficult to effectively communicate your experience and skills in ways that really grab people's attention and make them want to know more about you. This is especially true in today’s market where there are more and more people going for fewer and fewer jobs. The companies can afford to be picky. What this means to you is that you must be on top of your game.
CLICK HERE TO READ THE REST OF THE ARTICLE
CLICK HERE TO READ THE REST OF THE ARTICLE
Bouncing Back from Job Loss
Dan Miller from 48days.com
No matter how it happens, a job loss is painful. Maybe you were caught up in a corporate downsizing, and it’s nothing personal. Maybe it was personal; your boss was an insensitive jerk who didn’t recognize your talent. Either way, it’s easy to start questioning your self-worth at such a time. You may wonder if you’ll end up homeless, never to contribute in a meaningful way to civilization again. In 30 days, your savings will be depleted. Are your old office workers laughing behind your back? Are your neighbors looking at “the loser” when they see you at home on a weekday?
Well, don’t get caught up in the negatives. This will only sabotage your immediate future. Here are some tips for moving forward: CLICK HERE TO READ THE REST OF THE ARTICLE.
Well, don’t get caught up in the negatives. This will only sabotage your immediate future. Here are some tips for moving forward: CLICK HERE TO READ THE REST OF THE ARTICLE.
The 14 Ways to Look for a Job
By Richard Bolles
Not many people realize it, but the job-hunt is one of the most studied phenomena of our time. It is amazing what we know about it.
Acquainting yourself with this research can pay rich dividends to any job-hunter, and especially if your job-hunt is running into trouble. Let me illustrate what I mean.
Most job-hunters think there are basically only three ways to go about their job-hunt: resumes, ads, and agencies. Actually, there are fourteen: CLICK HERE TO VIEW THEM
Acquainting yourself with this research can pay rich dividends to any job-hunter, and especially if your job-hunt is running into trouble. Let me illustrate what I mean.
Most job-hunters think there are basically only three ways to go about their job-hunt: resumes, ads, and agencies. Actually, there are fourteen: CLICK HERE TO VIEW THEM
Being Prepared in an Uncertain Economy
By Kevin Brennfleck and Kay Marie Brennfleck
National Certified Career Counselors and Life Calling CoachesSM
"The door of opportunity is wide open if you are prepared." Anonymous
What would you do if you were laid off today? That's not the kind of question you probably want to contemplate, is it? The reality, however, is that in today's job market you need to prepare for the unexpected. The good news is that developing a game plan for making a career transition will very likely help you in your current job, as well. In addition, knowing that you are ready for whatever comes your way will give you a sense of confidence and peace of mind, which are invaluable assets in turbulent times.
Here are five steps for being prepared in case of job loss: CLICK HERE TO VIEW THEM
National Certified Career Counselors and Life Calling CoachesSM
"The door of opportunity is wide open if you are prepared." Anonymous
What would you do if you were laid off today? That's not the kind of question you probably want to contemplate, is it? The reality, however, is that in today's job market you need to prepare for the unexpected. The good news is that developing a game plan for making a career transition will very likely help you in your current job, as well. In addition, knowing that you are ready for whatever comes your way will give you a sense of confidence and peace of mind, which are invaluable assets in turbulent times.
Here are five steps for being prepared in case of job loss: CLICK HERE TO VIEW THEM
How can I use the Internet to find a job in ministry?—use our rather comprehensive list of job listings and services for ministry-minded followers of Christ
The Internet is a great place to look when you are seeking a new opportunity to serve God in ministry.- Click Here
Learn How To Write A Resume
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Check Your Financial Fitness Quiz
For Married Couples & Singles
Take The Quiz - Click Here
This Quiz also test the compatibility of couples to see how well they are financially compatible and in one area of the test, it lists the laws by state, this mentions unmarried couples and same sex marriage.
In no way as Christians do we condone either, please ignore the statement, otherwise, I think you will find this very helpful.
Take The Quiz - Click Here
This Quiz also test the compatibility of couples to see how well they are financially compatible and in one area of the test, it lists the laws by state, this mentions unmarried couples and same sex marriage.
In no way as Christians do we condone either, please ignore the statement, otherwise, I think you will find this very helpful.
Quicken Online
Free, easy money management
- Brings your accounts together all in one place
- Tracks your spending easily and automatically
- Shows you where your money’s going so you know where you can save
100% free, 100% of the time Yes, you read that correctly. Free. We believe everyone deserves to have a little more money in their wallet. So we don’t charge you to use Quicken Online. Our easy-to-use budgeting tool also shows you other ways to keep more green in your pocket. CLICK HERE TO GET STARTED
Quicken Online Overview Video (2:27) CLICK HERE TO VIEW
Quicken Online Overview Video (2:27) CLICK HERE TO VIEW
Finance Calculators
I love CBN.com, I think they have about everything a Christian is interested in on their site, it is awesome! Here are some links to thier Finance Calculators.
Mortgage Calculators
Bi-weekly Payments for an Existing Mortgage
This calculator shows you the possible savings by starting to pay your current mortgage with bi-weekly payments, instead of monthly payments.
ARM vs. Fixed Rate Mortgage
Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Mortgage comparison: 15 years vs. 30 years
Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
Interest Only Mortgage Calculator
Use this calculator to generate an amortization schedule for an interest only mortgage.
Mortgage Loan Calculator (PITI)
Use this calculator to determine your monthly mortgage principal, interest, taxes and insurance payment (PITI) and amortization schedule.
Maximum Mortgage
Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.
Refinance Breakeven
Should you refinance your mortgage? Use this calculator to determine when you will breakeven!
Rent vs. Buy
Are you better off buying your home, or should you continue to rent?
Loan Calculators
Equity Line of Credit Payments
What will my monthly payments be for an interest only equity line of credit? Credit Cards and Debt Management
How much do you owe?
Use this calculator as a starting point for your debt management plan.
Personal Debt Consolidation
Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.
Roll-Down Your Credit Card Debt!
The Credit Card Roll-Down Calculator applies two simple principles to paying off your credit card debt.
Credit Card Pay Off
Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals.
Auto Calculators
Home Equity vs. Auto loan
Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.
Auto Loans
Find out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price!
Dealer Financing vs. Credit Union Financing
Use this calculator to help you determine whether you should take advantage of low interest dealer financing or credit union financing combined with a manufacturer rebate.
Lease vs. Buy
Should you lease your next automobile or finance it? Find out with this calculator!
Retirement Savings and Planning
401(k) Savings Calculator
A 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you can not afford to pass up.
Retirement Income
Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
Retirement Planner
Quickly determine if your retirement plan is on track - and learn how to keep it there.
Roth vs. Traditional IRA
Use this calculator to determine which IRA may be right for you.
Savings Calculators
Certificate of Deposit Calculator
Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
College Savings
Use this calculator to help develop or fine tune your education savings plan.
Cool Million
Find out when your savings plan may make you a millionaire!
Personal Finance
Should my spouse work?
This calculator is designed to help you see the financial impact of having either one or two
Bi-weekly Payments for an Existing Mortgage
This calculator shows you the possible savings by starting to pay your current mortgage with bi-weekly payments, instead of monthly payments.
ARM vs. Fixed Rate Mortgage
Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Mortgage comparison: 15 years vs. 30 years
Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
Interest Only Mortgage Calculator
Use this calculator to generate an amortization schedule for an interest only mortgage.
Mortgage Loan Calculator (PITI)
Use this calculator to determine your monthly mortgage principal, interest, taxes and insurance payment (PITI) and amortization schedule.
Maximum Mortgage
Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.
Refinance Breakeven
Should you refinance your mortgage? Use this calculator to determine when you will breakeven!
Rent vs. Buy
Are you better off buying your home, or should you continue to rent?
Loan Calculators
Equity Line of Credit Payments
What will my monthly payments be for an interest only equity line of credit? Credit Cards and Debt Management
How much do you owe?
Use this calculator as a starting point for your debt management plan.
Personal Debt Consolidation
Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.
Roll-Down Your Credit Card Debt!
The Credit Card Roll-Down Calculator applies two simple principles to paying off your credit card debt.
Credit Card Pay Off
Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals.
Auto Calculators
Home Equity vs. Auto loan
Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.
Auto Loans
Find out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price!
Dealer Financing vs. Credit Union Financing
Use this calculator to help you determine whether you should take advantage of low interest dealer financing or credit union financing combined with a manufacturer rebate.
Lease vs. Buy
Should you lease your next automobile or finance it? Find out with this calculator!
Retirement Savings and Planning
401(k) Savings Calculator
A 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you can not afford to pass up.
Retirement Income
Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
Retirement Planner
Quickly determine if your retirement plan is on track - and learn how to keep it there.
Roth vs. Traditional IRA
Use this calculator to determine which IRA may be right for you.
Savings Calculators
Certificate of Deposit Calculator
Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
College Savings
Use this calculator to help develop or fine tune your education savings plan.
Cool Million
Find out when your savings plan may make you a millionaire!
Personal Finance
Should my spouse work?
This calculator is designed to help you see the financial impact of having either one or two
The Palmers: 'First Comes Love, Then Comes Money'
Scott and Bethany Palmer help couples work through financial infidelity and discuss their Financial Relationship Index. They are authors of “First Comes Love, Then Comes Money”.
Where The Palmers Work
Ministries / Employers
At Envoy Financial, our ministry is to serve your ministry. We are a non-profit ministry that has been exclusively serving Christian ministries and their employees in the areas of retirement and group benefit plans since 1989. The various ministries we work with include churches, rescue missions, para-church ministries, schools, mission-sending organizations, and christian camps and conference centers.
This section of the website is for the ministry leadership of ministries that currently work with Envoy and for ministries investigating working with Envoy Financial.
Some of the services we provide are listed to the left at this link: CLICK HERE
For more information on how we can serve your ministry, contact Jeff Gater at (888) 879-1376, ext. 209 or by email.
At Envoy Financial, our ministry is to serve your ministry. We are a non-profit ministry that has been exclusively serving Christian ministries and their employees in the areas of retirement and group benefit plans since 1989. The various ministries we work with include churches, rescue missions, para-church ministries, schools, mission-sending organizations, and christian camps and conference centers.
This section of the website is for the ministry leadership of ministries that currently work with Envoy and for ministries investigating working with Envoy Financial.
Some of the services we provide are listed to the left at this link: CLICK HERE
For more information on how we can serve your ministry, contact Jeff Gater at (888) 879-1376, ext. 209 or by email.
Thinking Debt Settlement? Read the Fine Print
As the economy struggles and debt accumulates, consumers are looking towards ways of get out of the hole.
Single parent suffers from depression and debt
Jacob Bell strayed away from God as a teen. He had a son out of wedlock, got married and divorced after only a year. He went into depression and $20,0000 in debt after the divorce.
Kathy Sieg: The Secret to Security
Nurse Katherine Seig donated money for a water well in India. She went to India for the well dedication.
Life-Changing Solution
Mounting debt was bankrupting Phil’s business – as well as his marriage to Shannon. Find out what this couple began to do that solved their problems.
Mary Gilbert: Making Your Income Grow
Mary runs a successful daycare that grew and grew after a difficult divorce. She moved up through the levels of The 700 Club and as she did so, her daycare grew. She is now a Chairman's Circle member.
Is God Greater than the Economy?
Steve’s business dried up as the economy floundered.
Then he was confronted with a test of faith. Would he keep his word?
Then he was confronted with a test of faith. Would he keep his word?
