The down escalator is faster than the up escalator. That’s the saying of a friend of mine. The first time I heard him say it, I was caught off guard. “What was that? The down escalator?” He was referring to the ability we have to accumulate debt versus our ability to accumulate savings. Compare your…
Author: fredh20s
Husband, father, grandfather, Christ-follower, Salvation Army officer working in retirement.
Promise not regret
Regret…I’ve been thinking about this lately. Not that I have many regrets, but I have some that’s for sure. In fact, I suspect most of us do. If I was to make it list I suppose it might look like this: I regret not pursuing further education when I was younger, I regret not having…
Coffee thoughts
For me, this is the best way of starting the morning. Well, after shaving and showering of course, but then a hot tasty cup of good coffee. I use to be a Tim Horton’s drinker. I hope you’ll forgive me. What I did figure out was that they use 18% cream and yes I like…
Hybrid Thoughts 