Articles written by T.J. Wolfe

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About me - T.J. Wolfe

I live in the Pacific Northwest and spend my extra time reading and riding horses. I have an eclectic background with a bachelor's in accounting and a master's in business. I have a degree in Naturopathy and am completing licensing for Acupunture. I do all

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Creative Writing > Short Stories Short Stories: Loss: 1 of 31
"Only the truly blessed are able to see another and understand." T.J. WolfeThe morning sun shone warmly into the barn. Summer was wandering in from the south chasing away winter. For Matt, wrapped in his fourteen year old frame, the nudges of summer where beyond him.He barely heard his cowboy boots hit the barn's concrete flo... More..
Religion & Spirituality > Churches & Organizations In this day and age why go to church: 2 of 49
I can't answer this question for anyone else. I can only answer this question for me. In this day and age, why do I go to church?I didn't come up in a religious family. We went to church faithfully once a year on Christmas Eve. We had one bible in the house that was packed away in boxes at the far corner of the basement. I kn... More..
Personal Finance > Financial Planning Living paycheck to paycheck? How to stretch your income: 2 of 32
Living paycheck to paycheck? How to stretch your incomeMany of us can't even afford to live paycheck to paycheck. A few years ago, the mantra may have been paycheck to paycheck. Yet, today many of us have slipped into financial turmoil and are frantically trying to find a way out. When the dot.com bubble burst in 2000, both m... More..
Personal Finance > Stock Market Portfolio diversification: Positive or negative?: 1 of 6
Any investing theory was created in some type of market and pertains to the market that created it. An investment concept is rarely applicable to different markets. Diversification was a concept created during an extended period of rising markets. Diversification capitalized on the strengths of long term growth and stable mar... More..
Personal Finance > Financial Planning How long you should rent before you buy a house?: 4 of 21
When to buy real estate can be as tricky as when to invest in a stock. How do you time your purchase? Today, the markets are precarious. There are a few things you can use to determine when you've rented long enough. These things can help you time your buying decision and determine a price.When buying a home is also a financi... More..
Politics, News & Issues > Soldiers & Veterans How to apply for a veteran's disability: 1 of 5
Many veterans leave active military service with service related injuries. The process to apply for VA disability compensation may seem confusing. The following information is to help the veteran start in the right direction.The first thing to understand is the VA has more than one type of disability compensation program. Dis... More..
Health & Fitness > Nutrition Tips How to naturally lower your cholesterol: 4 of 15
Lowering our cholesterol levels usually means the overall cholesterol count is above 200 mg/dl and the LDL levels are over 130 mg/dl. The numbers can seem a bit obscure. It is helpful to make sure we are talking about the same thing and than talk about how to naturally lower cholesterol.We need some level of cholesterol in th... More..
Pets & Animals > Horse Training & Riding Bombproofing for the spooky horse: 2 of 7
Riding a horse has different meanings to each of us. For some of us, it's a wonder and joy. Others may find riding boring and too predictable. For others, riding is stressful and fearful.These same emotions go through a horse. A spooky horse may just be showing his joy at the ride. A bored horse may find spooking an interesti... More..
Personal Finance > Smart Spending Spend wisely to save money: 14 of 26
I have to say this. If you're trying to figure out how to spend wisely to save money, you can't. You can change your spending habits to try and maintain a lifestyle. You can't spend wisely to save money. The only way you save money is when you stop spending.There are only a few things that we really need in life. Food is one ... More..
Pets & Animals > Horse Breeds Miniature horses: Pets or livestock?: 2 of 3
I don't own miniature horses and never have owned one. When I first saw miniatures and watched them, I thought they were definitely a pet. I couldn't have been more wrong.I grew up riding quarter horses on Minnesota's open prairies. Afterwards, I moved over to Arabs, than Thoroughbreds, and then onto Warmbloods. Recently, one... More..