San Francisco Bay from Bank Mill Road above Saratoga, California. For more info, see below-right.

Free downloadable resources

Thanks for visiting this site. 

  • It is my home on the web, launched it in 2010 to resource Christian pastors, teachers, leaders, and individuals regarding in matters of faith. I broadened it in 2013 to add a Personal Finance section, designed to help people living in the U.S. manage their money. Also in 2013 I started the IMHO (In My Humble Opinion) section as a place to post wide ranging items, primarily social and political content. To keep up with additions to this site, just subscribe to my email or RSS feed.
  • I also have a second site: Math Coaching. It describes our project of helping limited-resource middle and high school students who live in west San Jose (CA).
  • And I have some social media outposts where I interact with people and selectively repost pages from my websites. My favorite is Google+, but I also use FaceBook. Occasionally I post on the No Labels Google+ or (less frequently) their Facebook page. No Labels is a political organization that encourages our elected officials to stop fighting and start cooperating.

To get a quick overview of this site, browse the Navigation bar (left panel). You can collapse, or expand (at least to 2 sub-levels). In some cases there are more levels, which are linked to pages in those first two levels.

The most frequently visited and most current links are duplicated in the horizontal navigation bar across the top of each page.

Another way to find things on this site is to type keyword(s) into the Search box in the upper right corner of any page. This also searches attached and linked Google Docs.

You can freely use any materials on this site (including attachments). Copy them for yourself or for your organization. Please do not sell them. When you distribute them unchanged, please leave my name attached. When you change a resource to fit your needs it becomes your own, so please remove my name. If you think my contribution is significant to your finished product, you can give me an annotation of some sort - but this is not required. When you use my preaching or teaching material you do not need to credit me. Finally, if you have your own site, feel free to point to pages on my sites.

This site,, also offers a portal to some of my time. I'm available to serve Christian churches and non-profits through preaching, teaching and consulting. I also make time for individual spiritual inquiries.

For more on this, follow the link to What Tim Offers.

A snippet about Tim

In May 2010 I retired from 18 years as senior pastor of New Life Nazarene Church, Cupertino, CA. It is a church full of wonderful people. When I retired there were 3 different language congregations - English, Mandarin, and Cantonese. A Spanish language congregation joined in January 2013. Robin and I continue as members and regular attenders at New Life. If you are in the area and drop by, please look me up.

Prior to that I spent 22 years in engineering and business management, while actively involved in local churches wherever we lived: Ohio, New York, and (mostly) California. My secular career was in integrated circuit development at (mostly) National Semiconductor, and as Vice President of Operations through the startup years of Cadence Design Systems, an electronic design automation company.

As amazing as it seems, the same woman who married me in 1967 remains as my partner.  Along the way we raised 2 kids and now enjoy 3 grandkids.  

For more, go to Tim's Bio.


Tim Isbell

Thanks for visitng my site

Recent posts of IsbellOnline News

  • To subscribe to my email or RSS feed, please go to IsbellOnline News.

  • The Huge Cost of Active Money Management I just read a Money magazine article dramatically illustrating the huge cost of active money management. If you put $100,000 into a fund with a 1.5% expense ratio ...
    Posted Mar 10, 2015, 9:58 AM by Tim Isbell
  • Stained Glass Windows Robin (my wife) grew up attending this limestone church in East Toledo, Ohio. Much of what she learned about God came from the architecture of this church.God used the ...
    Posted Mar 6, 2015, 10:52 AM by Tim Isbell
  • Financial Tip for Retirees I've known about this concept for years but never got around to implementing it, until now. So I'm passing the tip along to readers. It is a tax ...
    Posted Feb 25, 2015, 8:27 AM by Tim Isbell
  • Reducing Ministers' Student Debt Student loan debt is a major concern in the U.S., affecting many university graduates for years after they leave school. It is a particularly difficult problem for pastors and ...
    Posted Feb 10, 2015, 4:48 AM by Tim Isbell
  • Firearm Keys & Liability I posted a webpage about "Firearms Insurance" back in April of 2013. Not much has happened since then, other than more people getting needlessly killed by guns. So I'm ...
    Posted Jan 25, 2015, 1:21 PM by Tim Isbell
  • Tim's Quote File Here's the link to my personal quotation file. It's not full of things I've written or said; it's full of quotes I've gathered from personal ...
    Posted Jan 13, 2015, 5:20 PM by Tim Isbell
  • Identity in Christ Disappointments, insecurities, and shame stifle our joy and fruitfulness. Such feelings can stem from personal failure, or our lack of skills, or our appearance, or guilt for a behavior or ...
    Posted Jan 7, 2015, 8:12 AM by Tim Isbell
  • New Advent Readings posted! Sharon Rauenzahn, the author of 2 previous years' Advent Readings already on my site, is writing a new set for this year! So if you're looking for extremely fresh ...
    Posted Nov 27, 2014, 9:29 PM by Tim Isbell
  • Sainsbury's Christmas Video An acquaintance sent me a link to Sainsbury's 2014 Christmas advertisement. Sainsbury is the third largest supermarket chain in the U.K. and they built this ad around a ...
    Posted Nov 15, 2014, 8:57 AM by Tim Isbell
  • Most Visited Pages I noticed it last year, and it's happening again this year: A significant uptick in the number of visitors to my site looking for Advent Readings. Looks like Christmas ...
    Posted Nov 12, 2014, 7:13 AM by Tim Isbell
  • Assessing my Investment Expectations If you wonder..."What return can I reasonably expect from my investments?""Should I take more risk on my portfolio, or is it already too risky?"... then this webpage is ...
    Posted Nov 4, 2014, 7:48 AM by Tim Isbell
  • Tax-efficient Donations It's the time of the year for tax planning. For many of us this includes implementing charitable donations that we want to include as deductions on our federal and ...
    Posted Oct 10, 2014, 10:36 AM by Tim Isbell
Showing posts 1 - 12 of 140. View more »


The photo at the top of this Home page

I try to brighten up the pages with some pictures. Every few weeks I change the one at the top of this Home Page. When I see something of local interest that looks like I can crop to fit this odd aspect ratio I take out my smartphone and shoot the picture. 

In November 2015 I drove up the mountain with my 12 year old grandson just to observe the ridiculously steep driveways of some homes above Saratoga Village. In the process we came upon this beautiful vista of the San Jose California - or as it's often called: Silicon Valley.