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Should Home Equity Loans be Used to Pay Off Credit Card Debt?

Should Home Equity Loans be Used to Pay Off Credit Card Debt?

Credit card debt could be compromising the financial security and well-being of millions of individuals. According to the Federal Reserve Bank of New York, Americans’ total credit card balance in the second quarter of 2023 was more than $1 trillion, and Lending-Tree reports that the average credit card balances among U.S. cardholders in December 2022 was $7,279. Average balances are lower but still a concern in Canada, where data from TransUnion indicates the average cardholder had an outstanding balance of $3,909 as of the first quarter of 2023.

The Shortest Day, The Longest Night

The Winter Solstice, also called the hibernal solstice, occurs when either of Earth’s poles reaches its maximum tilt away from the Sun. This happens twice yearly, once in each hemisphere. This event has been celebrated throughout history with festivals, feasting, singing, dancing, bonfires, and spending time with loved ones. Astronomically, it marks the beginning of lengthening days and shortening nights. This annual moment when the daylight hours dwindle downward gives us permission to slow down and reflect on the past year, to pivot ourselves towards the light that comes with the approach of Spring three months later, and to restore our minds in preparation for the push of Spring activities.

Raindrops On Roses
Raindrops On Roses

Raindrops On Roses

We were around 11 years old in 1978. Her name was Tammy. Out in the rural noman’s- land between Seagoville and Combine, she was the only other kid on the street. We weren’t neighbors, mind you. There was a good 1.5 miles between our houses. In a time before boogeymen stole children and pre-video game invention, we were left to our own devices most days. On the other hand, I can’t recall a single time Tammy rode her bike to my house. Maybe I liked her mom’s name brand snacks better than the boxes of scratch and dent things my father magically procured from the unclaimed freight house in downtown Dallas. I digress. With our tiny fingers, we were the original origami artisans, intricately folding wide rule notebook paper into complicated triangles of lotus flower petals. The game was called MASH, I believe. M was for mansion. A was for apartment. S was for shack. H was for just a plain old house. But, before we could determine who we would marry, how many children we would have, and where we would live, a series of questions would ensue. “What’s your favorite number?” I would answer – 8. She would insert her fingertips into the tiny triangles, pulling them apart and pushing them back together 8 times, revealing a world of details written inside every fold and crevice. Tammy counted under her breath in a whisper, lips barely moving. “1, 2, 3, 4, 5, 6, 7, 8. Ok. You’re going to marry Robby Benson.” We shrieked with laughter. “What’s your favorite food?” We would continue asking questions about favorite this and favorite that, counting letters and moving fingers, little papyrus fortune-tellers that we were. I’ve been thinking about the MASH game lately, especially at Christmas. I’ve gone to a few parties this season where “bring a gift that represents one of your favorite things” was the direction. I thought maybe we could tell each other about some favorite things. I’ll go first, ok?

Mistletoe: Is the Christmas Plant Friend or Foe?

Clusters of mistletoe can grow as large as several feet across if left unchecked. (Texas A&M AgriLife photo by Michael Miller)

Mistletoe: Is the Christmas Plant Friend or Foe?

Light green mistletoe growing on a bare tree branch. Mistletoe is a semi-parastic plant that can be harmful to its host plant. (Texas A&M AgriLife photo by Michael Miller)

Mistletoe: Is the Christmas Plant Friend or Foe?

Mistletoe may be a welcome holiday sight when hung over a doorway if a loved one is near, but, it can be an unwelcome intruder when found in your trees, said a Texas A&M AgriLife Extension Service horticulturist.

The origins of “The 12 Days of Christmas”

Christmas carols can be heard far and wide from Thanksgiving weekend through Christmas Day. “The 12 Days of Christmas” is one of the most recognizable carols, and for good reason, as the popular song can trace its history back several centuries. Researchers have traced the earliest printed version of the poem on which the song is based all the way back to 1780. That’s three years before the signing of the Treaty of Paris, which officially ended the American Revolutionary War. The song has long been suspected to have been a way for Catholics in Britain to teach their children the catechism, as the 1700s was a controversial period for Catholicism in the country. However, no documentary evidence exists in support of that theory, and many historians feel it is inaccurate. Others indicate that, while 1780 is likely the first time the poem was printed, the poem is likely much older than that, with origins potentially in France or Scotland. What is known is that the version many people recognize today, namely in song form, can be traced to the early twentieth century, when English singer and composer Frederic Austin first popularized the melody for the song. Austin performed that version of the song beginning in 1905, and it was first published in 1909.

Away In a Manger

Away In a Manger

'Away In a Manger' is a popular Christmas carol that has endured for well over a century. One of the first known appearances of the song was in the journal The Christian Cynosure in 1882, which indicates it is now more than 140 years old. That publication titled the hymn 'Luther's Cradle Song,' and a brief description of the song preceding the lyrics indicates it was written by the German religious reformer Martin Luther. However, the University Libraries at The Ohio State University note that historians have since dispelled that notion, with some suggesting the song was written to commemorate the 400th anniversary of Luther's birth (the reformer was born in 1483). Regardless of its authorship, the song remains a popular and moving hymn that can be heard far and wide during the holiday season.

5 Tips to Overcome Grief and Loneliness Over the Holidays

5 Tips to Overcome Grief and Loneliness Over the Holidays

In My Grief Is Not Like Yours: Learning to Live After Unimaginable Loss, A Daughter’s Journey (Forefront Books; May 2023; ISBN: 978-1637631560; Hardcover; Click Here for Book Trailer), Theo Boyd writes with honesty and raw emotion about the day that started the contagion of devastating events that would leave her “without hope, without purpose, without direction.” After the terrible shock and pain of losing her Momma, losing her father and losing her marriage, Boyd began writing.

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