Compass
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March 16, 2013 MoneyWise Weekend
Star Wars Money Lessons– Howard Dayton and Steve Moore reveal what the Star Wars movies can teach you about Biblical money management.Then they answer questions at(800) 525-7000and MoneyWise@Compass1.org: Would it be wrong to use debt to invest in rental properties? What is the best way to invest $10,000 over a 3-year period before we head into mission field? I am $15,000 in debt, and I am wondering if there is a way to consolidate the debt? Be sure to check out theCompass websitefor a...
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March 15, 2013 MoneyWise
Financial Honesty– Howard Dayton and Rich Roszel (sitting in for Steve Moore) discuss the importance of honesty in all financial dealings, large and small.Then they answer listener questions at(800) 525-7000andMoneyWise@Compass1.org: "I'm a seminary student. Should I pay each semester as I go or take out a student loan?" "Should we consider a contract for deed in selling our home?" "Years after a foreclosure, how can rebuild our credit to buy another home?" Be sure to check out theCompass...
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March 14, 2013 MoneyWise
Who Really Owns Your Stuff?– Rich Roszel (sitting in for Steve Moore) and Howard Dayton discuss the critical ownership principle found in God's Word.Then they answer listener questions at(800) 525-7000andMoneyWise@Compass1.org: "I can't seem to raise my credit score? What can I do?" "I have a double-wide mobile home and can't find a lender to refinance. What are my options?" "What should I do to get started on long-term investing?" Be sure to check out theCompass websitefor a complete...
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March 13, 2013 MoneyWise
What Christians Should Do To Prepare for a Financial Crisis– Howard Dayton and Rich Roszel offer insights for how Christians should prepare for - and respond to - a crisis.Then they answer listener questions at(800) 525-7000andMoneyWise@Compass1.org: "Would it be wise to sell off motor home in order to pay off a Home Equity Line of Credit?" "How do we deal with really old debts that are no longer on our credit report?" "How much of our household finances should we share with our teenagers?"...
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March 12, 2013 MoneyWise
Can't Serve Two Masters– Howard Dayton and Rich Roszel explore the human tendency to serve material things instead of God - and take a look at the consequences.Then they answer listener questions at(800) 525-7000andMoneyWise@Compass1.org: "How can we re-finance with a bankruptcy on our record?" "How do I select the best credit card?" "I'm a single mom with almost no actual income - I want to tithe, but on my meager income, is 10% enough?" "Is there a guideline for how much to put in a...
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March 11, 2013 MoneyWise
A Primer on the Bible and Money– Howard Dayton and Rich Roszel investigate the Bible's perspective on a number of financial topics.Then they answer listener questions at(800) 525-7000andMoneyWise@Compass1.org: "Should I pay off my undergraduate student loans before borrowing more to get my masters?" "What's the best way to pay for therapy for my husband who recently had a brain hemorrhage?" (Howard mentionedStroke.org) "How do I collect a large business debt from someone who's not a believer...
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March 9, 2013 MoneyWise Weekend
Are You Counting on Your Pension?– Howard Dayton and Steve Moore discuss whether or not you can truly rely upon your pension being there when you retire.Next, they answer questions at (800) 525-7000 and MoneWise@Compass1.org about the following: "How long must we wait after a foreclosure before trying to buy another home?" "I'm concerned about my tax dollars paying for abortion. What do you think about that?" "Should I buy life insurance at this point in my life?" Be sure to check out...
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March 8, 2013 Money Wise
Howard's Top-3 Biblical Principles– Howard Dayton reveals what he believes to be the three most important financial principles found in the Bible.Next, they answer questions at (800) 525-7000 and MoneWise@Compass1.org about the following: Should we use retirement funds to pay off our house? Is there any way to make my student loan payment more manageable? Should you stop tithing for a time in order to pay down debt? Is there someplace I can put emergency savings to earn greater interest? Be...
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March 7, 2013 MoneyWise
Talking taxes with Fred Bumpas– Howard Dayton and Steve Moore welcome CPA Fred Bumpas to help prepare you for tax day.Next, they answer questions at (800) 525-7000 and MoneWise@Compass1.org about the following: Can you clarify the IRA charitable rollover provision? I just got married last year. Should we file jointly or separately? How will new legislation impact the average American on tax day? What are the regulations regarding writing off charitable donations of objects (Goodwill, etc)?...
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March 6, 2013 MoneyWise
Beware of Spiritual Identity Theft– Howard Dayton and Steve Moore remind us that, for the Christian, our identity is in Christ, not in our 'stuff'.Then they answer listener questions at(800) 525-7000andMoneyWise@Compass1.org: "We're in our 70's and debt-free - where's the best place to put an $80,000 CD that's about to mature?" "I need to move my retirement funds from a former employer - can you give me some guidance?" (Howard mentionedSoundMindInvesting.com) "What can I do about a harassing...
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March 5, 2013 MoneyWise
Trust and Obey– Learning to trust God is essential to a growing relationship with Christ. Howard Dayton and Steve Moore discuss how to foster that kind of vibrant relationship.Then they answer listener questions at(800) 525-7000andMoneyWise@Compass1.org: "I'm managing finances for an elderly aunt and would like your input on how to best invest these funds." "I currently have no job, but Iamreceiving child support - how do I determine my tithe?" "Can you help us find ways to chip away at our...
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March 4, 2013 MoneyWise
Common Credit Misconceptions– Howard Dayton and Steve Moore cover a number of common misconceptions that can hurt your credit score.Then they answer listener questions at(800) 525-7000andMoneyWise@Compass1.org: "I'm on Social Security - what are my options for paying off - or re-financing - a large Home Equity Line of Credit?" "Is the stock market still the best place for long-term investing?" "Can you give me some insight on paying back an overwhelming amount of school loans?" (Howard...
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March 2, 2013 MoneyWise Weekend
Don't Ignore Financial Problems – Howard Dayton and Steve Moore reveal the importance of proactively addressing financial problems. Then they turn to questions from listeners(800-525-7000ormoneywise@compass1.org): "My mother wants to refinance her condominium, but has been unable to do so. What are her options?" "I have an annuity with a payment of $50,000 due in a few years. Should I sell my annuity now?" "Should I invest in my 401k or buy life insurance first?" "I want to use savings to...
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March 1, 2013 MoneyWise
How to Help Adult Children?– Howard Dayton and Steve Moore discuss finding the right balance when it comes to helping your adult children financially. Next, they answer questions at(800) 525-7000and MoneyWise@Compass1.org about the following: Is now the right time for us to buy a house and if so, how do we go about that? Is there a way for me to avoid bankruptcy? Do you recommend using online services to create a will? Does the BIble say anything about the age at which we should retire? Be...
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Feb 28, 2013 MoneyWise
Investing and the News– Howard Dayton and Steve Moore welcome investment expert Dave Szafranski to discuss how recent events affect investing strategy. Next, they answer questions at(800) 525-7000and MoneyWise@Compass1.org about the following: How should our ministry invest to our earnings? What is the next step for me to take? Where should I invest? Should I take money from an investment account and roll it into an IRA? What are your thoughts about investing in energy companies right now?...
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Children Paying for College
Children Paying for College
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Feb 27, 2013 MoneyWise
Listener e-mails– Howard Dayton and Steve Moore answer listener questions at(800) 525-7000andMoneyWise@Compass1.org: "What do you think of downsizing to pay for our son's college tuition?" "How do I prepare financially to relocate to another state?" "My daughter's purse was stolen - what does she need to do to protect her credit and identity?" "How can I get my husband involved in creating a family budget?" "I'm 53 and about to pay off my home; what should I do with the increased cash flow...
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Encouraging Church To Give More
Encouraging Church To Give More
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Feb 26, 2013 MoneyWise
Managing Money for Eternity– Howard Dayton and Steve Moore discuss the eternal ramifications of knowing Christ and managing our finances in a way that's pleasing to Him. Then they answer listener questions at(800) 525-7000andMoneyWise@Compass1.org: "How do we deal with a foreclosure in a way that honors God?" "I've been accepted into an excellent music school with very high tuition - how do I decide whether or not to attend?" "Should student loans keep us from buying a home?" Mentioned also...
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Financial Planning In Marriage
Financial Planning In Marriage
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The Solution To Trouble In Communication
The Solution To Trouble In Communication
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Work – In Ministry Or Marketplace
Work – In Ministry Or Marketplace
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Getting A Good Deal On A Used Car
Getting A Good Deal On A Used Car
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Budgeting In Marriage
Budgeting In Marriage
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Filing Bankruptcy to Clear Up Student Debt
Filing Bankruptcy to Clear Up Student Debt
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Paying Off Debt Or Investing With Inheritance
Paying Off Debt Or Investing With Inheritance
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Employment Matching for Retirement
Employment Matching for Retirement
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Weekly Money Date
Weekly Money Date
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How A Christian Business Plan Is Different
How A Christian Business Plan Is Different
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Auto Repair Budget
Auto Repair Budget
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Planning Ahead for Christmas in February
Planning Ahead for Christmas in February
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Feb 9, 2013 MoneyWise Weekend
Our Struggling Military–Howard Dayton and Steve Moore address the common financial challenges facing military families today. Next, they answer questions at (800) 525-7000 and MoneWise@Compass1.org about the following: "I am upside down on a couple of properties. Is there any way for me to refinance my loan?" "How do you budget on an irregular income?" "I purchased a term life policy 20 years ago and converted it to a universal life policy. I can no longer afford it, but we need life...
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Prepaid College Funds
Prepaid College Funds
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Feb 8, 2013 MoneyWise
Helping the Poor--Balcony People– Who are "balcony people" and what does God's Word say about them? Howard Dayton and Steve Moore explain. Next, they answer questions at (800) 525-7000and MoneyWise@Compass1.org about the following: Is there a way to get my student loan paid off faster? Should we purchase a house now or stay where we are and continue to save? How do I remain patient and trust in God while waiting to find employment? Be sure to check out theCompass websitefor a complete...
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What To Consider When Buying A Foreclosed House
What To Consider When Buying A Foreclosed House
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Feb 7, 2013 MoneyWise
Time for a Career Assessment– Howard Dayton and Steve Moore discuss the importance of matching your career with your God-given gifts. Next, they answer questions at (800) 525-7000and MoneyWise@Compass1.org about the following: Are there any Biblical guidelines regarding working away from your family in order to support them? My home is mostly paid off, but the balance that remains is at a high interest rate. Should I try to refinance now? I have $5,000 to apply to debt. What should I apply...
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Is It Okay To Give My Teen A Credit Card?
Is It Okay To Give My Teen A Credit Card?
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Feb 6, 2013 MoneyWise
Economic Review (with Ken Frenke)– Howard Dayton and Steve Moore welcome financial planner, Ken Frenke (frenke.com), to the program to help us navigate the uncertain days ahead. Together, they take an honest look at our debt-driven economy and encourage us to take a biblical approach to our personal finances.Then, Steve and Howard answer this question from a listener (800-525-7000and MoneyWise@Compass1.org): "What do you think about putting money into a life insurance policy to avoid...
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Feb 5, 2013 MoneyWise
Time for Pre-Marital Counseling– Howard Dayton and Steve Moore cover a 'laundry list' of financial preparations to get your marriage off to a good start.Then they answer listener questions at(800) 525-7000and MoneyWise@Compass1.org: "We're debt free and looking to purchase a summer cottage - would it be wiser to borrow the money at low interest OR liquidate some securities we're about to inherit?" "Can you recommend any home-based businesses?" "We're considering moving abroad in 2-3 years -...
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Getting A Lower Interest Rate On Credit Cards
Getting A Lower Interest Rate On Credit Cards
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Feb 4, 2013 MoneyWise
The Next Fiscal Cliff– Howard Dayton and Steve Moore give a sober reminder that the U.S. economy is still not on a good track, and that God's people need to stay focused on saving, getting out of debt, being generous - and encouraging others to do the same.Then they answer listener questions at(800) 525-7000and MoneyWise@Compass1.org: "I'm concerned that my long -term investments are not growing - should I make a change?" (Howard recommended the caller check outSoundMindInvesting.com))...
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Investing In A 401K Or Life Insurance
Investing In A 401K Or Life Insurance
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Feb 2, 2013 MoneyWise Weekend
Don't Ignore Financial Problems – Howard Dayton and Steve Moore reveal the importance of proactively addressing financial problems. Then they turn to questions from listeners(800-525-7000ormoneywise@compass1.org): "My mother wants to refinance her condominium, but has been unable to do so. What are her options?" "I have an annuity with a payment of $50,000 due in a few years. Should I sell my annuity now?" "Should I invest in my 401k or buy life insurance first?" "I want to use savings to...
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How Debt Affects A Call To Missions
How Debt Affects A Call To Missions
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Feb 1, 2013 MoneyWise
Star Wars Money Lessons– Howard Dayton and Steve Moore reveal what the Star Wars movies can teach you about Biblical money management.Then they answer questions at(800) 525-7000and MoneyWise@Compass1.org: Would it be wrong to use debt to invest in rental properties? What is the best way to invest $10,000 over a 3-year period before we head into mission field? I am $15,000 in debt, and I am wondering if there is a way to consolidate the debt? Be sure to check out theCompass websitefor a...
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Jan 31, 2013 MoneyWise
Having a Surplus– Howard Dayton and Steve Moore discuss how to handle your money Biblically when the Lord blesses you with a surplus.Then they answer questions at(800) 525-7000and MoneyWise@Compass1.org: Are we obligated to tithe on per diem funds? We are in debt and I'm wondering if I should sell my house. Should we co-sign for our daughter's student loan? Mentioned on today's program was theCompass Map. Be sure to check out theCompass websitefor a complete listing of helpfulresourcesand...
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Setting Up a Father-Son Business
Setting Up a Father-Son Business
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Jan 30, 2013 MoneyWise
Heartbreaking Phone Calls?– God's word gives clear direction in many financial areas. Howard Dayton and Steve Moore remind us that notheedingthat counsel can lead to real heartbreak.Then they answer questions at(800) 525-7000and MoneyWise@Compass1.org: "I'm putting everything I can into paying down a Home Equity Line of Credit - do you think this is wise?" (Howard recommended the caller check out BankRate.com) "We're newlyweds and think we may end up on the mission field - where would saving...
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Newlywed Debt
Newlywed Debt
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Is Borrowing from Family a Bad Idea?
Is Borrowing from Family a Bad Idea?
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Jan 29, 2013 MoneyWise
Slow and Steady Wins the Race (with Mark Biller ofSound Mind Investing)– Howard Dayton and Steve Moore welcome mutual fund investing expert, Mark Biller, to discuss the benefits of consistent, long-term investing.Together, they answer questions from listeners at(800) 525-7000and MoneyWise@Compass1.org: "As a recent college grad, how do I get started in long-term investing?" "What do you think about using life insurance as an investment tool?" (Mark Biller recommended checking...
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Accepting Settlement from Credit Card Company
Accepting Settlement from Credit Card Company
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Jan 28, 2013 MoneyWise
Our #1 Fear– Howard Dayton and Steve Moore examine how God's word can help us face our financial fears.Then they answer questions at(800) 525-7000and MoneyWise@Compass1.org: "How do I prepare myself financially for an impending divorce?" "What do you think of pre-nuptial agreements?" "Our marriage of 13 years needs to see significant financial change - where do we begin?" "Can (and should) I pull money out of my IRA to pay off a large business loan?" "What do you think of taking out a small...
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Jan 26, 2013 MoneyWise Weekend
Money Fights– God wants money issues in your marriage to be 'glue', not a 'wedge'. Howard Dayton and Steve Moore tell you how to make that a reality, today on MoneyWise. Then they turn to questions from listeners(800-525-7000ormoneywise@compass1.org): "My income and my home value have both dropped - can I still re-finance?" (Howard recommended checking out the HARP 2 program atMakingHomeAffordable.gov, as well asBankRate.com) "I'm a teacher - what's the best way for me to pay for a master's...
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Jan 25, 2013 MoneyWise
Are You Counting on Your Pension?– Howard Dayton and Steve Moore discuss whether or not you can truly rely upon your pension being there when you retire.Next, they answer questions at (800) 525-7000 and MoneWise@Compass1.org about the following: "How long must we wait after a foreclosure before trying to buy another home?" "I'm concerned about my tax dollars paying for abortion. What do you think about that?" "Should I buy life insurance at this point in my life?" Be sure to check out...
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Charging Interest on a Loan to a Believer
Charging Interest on a Loan to a Believer
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Jan 24, 2013 MoneyWise
Are You Too Busy?– Howard Dayton and Steve Moore explain why effective money management often depends upon effective time management.Next, they answer questions at (800) 525-7000 and MoneWise@Compass1.org about the following: "What questions should be asked a family financial planning session?" "We are upside down on a vehicle. Should we allow it to be repossessed?" "Should I try to turn my annuity into a Roth IRA?" Be sure to check out theCompass websitefor a complete listing of...
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What Is Showrooming?
What Is Showrooming?
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Jan 23, 2013 MoneyWise
Listener e-mails– Howard Dayton and Steve Moore start today's edition of MoneyWise by diving into the e-mail bag (MoneyWise@Compass1.org).Then they turn to the phone lines(800-525-7000) for more questions from listeners: "I can either tithe or pay my rent - how do I switch to handling money God's way when I have so many 'worldly' commitments?" "We're cashing in some annuities - would it be better to invest the proceeds or pay off our home?" "What do you think about rolling money from my...
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Is a College Degree Necessary to Find Work?
Is a College Degree Necessary to Find Work?
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Is Long-Term Care Insurance a Good Idea?
Is Long-Term Care Insurance a Good Idea?
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Jan 22, 2013 MoneyWise
Your Business Is Your Pulpit– Howard Dayton and Steve Moore discuss the unique opportunity given to Christians in business to be a witness for Christ.Then they answer questions at(800) 525-7000and MoneyWise@Compass1.org: "Would it be okay to put our giving on hold for a while in order to get out of debt?" "Would we be better off putting retirement money into an existing Roth IRA or into a work-sponsored 401(k)?" "Should we sell some investment property in order to become completely debt...
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Should I Pay My Largest Insurance Rate First?
Should I Pay My Largest Insurance Rate First?
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Jan 21, 2013 MoneyWise
Whom Are You Trusting?– Where do you go for wise, trustworthy counsel? Howard Dayton and Steve Moore point you in the right direction today on MoneyWise.Then they answer questions at(800) 525-7000and MoneyWise@Compass1.org: "How do we keep our growing family's food budget under control?" "Am I living too close to the edge by carrying an extra mortgage to help my son?" "What's our best housing move in order to be closer to my parents?" Mentioned on today's program were Howard'sbooks for...
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Jan 19, 2013 MoneyWise Weekend
Giving with Delight-Howard Dayton and Steve Moore reveal the joyful act of worship that giving is designed by God to be and explain the freedom you can experience by developing a Biblical attitude toward giving.Next, they take questions at(800) 525-7000and MoneyWise@Compass1.org about the following: To what extent should I get involved in my parents' finances? We desperately need a larger home. Should we try to purchase a home soon? How much money should we have in our emergency fund? My...
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Cutting Costs to Stay Afloat
Cutting Costs to Stay Afloat
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Jan 18, 2013 MoneyWise
Is "Permissible" Debt Biblical?– Howard Dayton and Steve Moore explore what the Bible says about debt and what, if any, debt is permissible.Next, they answer questions at (800) 525-7000 and MoneWise@Compass1.org about the following: "I am planning to stay home with our baby, which means loss of income. How can I make this transition easier?" "My husband is in jail and I can't make ends meet right now. What can I do?" "I want to invest in property, but my husband isn't comfortable with it....
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The Power of Compounding
The Power of Compounding
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Jan 17, 2013 MoneyWise
So What's The Difference– Howard Dayton and Steve Moore explain the main difference between secular financial advice and Bible-based financial advice.Next, they answer questions at (800) 525-7000 and MoneWise@Compass1.org about the following: "I recently went through a home foreclosure. How can I begin to rebuild my credit?" "Should we take money out of investments to pay off our house?" "Do you have any tips for a good job interview?" "My teenage son is making good part-time money. What...
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Jan 16, 2013 MoneyWise
Life - No Child's Game– Howard Dayton and Steve Moore relate how knowing Christ brings order to our lives and our finances.Next, they answer questions at (800) 525-7000 and MoneWise@Compass1.org about the following: "How do we expand our small family trucking business without jeopardizing its stability?" "How do I break bad money habits developed in my childhood?" (Howard recommended aCompass Coach) "How do I deal with a family member who's not faithful to pay rent on a home I own?"...
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Debt To Income Ratio
Debt To Income Ratio
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Jan 15, 2013 MoneyWise
'Investing Basics' for the New Year (with Mark Biller)– Howard Dayton and Steve Moore welcome investment advisor, Mark Biller (Sound Mind Investing), to discuss basic investing topics (motivation, when to start, short-term vs long-term, when to seek professional advice).Next, they answer questions at (800) 525-7000 and MoneyWise@Compass1.org about the following: "How do life insurance and investing relate to one another in my long-term plan?" "What's a good rate of return for a growth...
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Getting Money Counsel from an Uninterested Wife?
Getting Money Counsel from an Uninterested Wife?
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Jan 14, 2013 MoneyWise
The Virtue of Patience– Howard Dayton and Steve Moore discuss the financial and spiritual benefits of patience. Next, they answer questions at (800) 525-7000 and MoneWise@Compass1.org about the following: "What's the best use of some money we're about to receive from the sale of property?" "We have a growing family and need your help with some car decisions." (Howard recommended checking outEdmunds.com) "Will marking out the Social Security number on my Medicare card (for security reasons)...
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Dissolving Ties With a Dishonest Business Partner
Dissolving Ties With a Dishonest Business Partner
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Jan 12, 2013 MoneyWise Weekend
What Makes a Business Christian?- Howard Dayton and Steve Moore look at businesses operated by those who know Christ as their savior and operate by biblical principles. Plus, they answer calls and emails (800-525-7000 or moneywise@compass1.org) about the following: Settling financial issues for elderly relatives including possible embezzlement by a family member What to do with a real estate lot that the caller can't sell and doesn't have the money to develop Whether it's wise to invest more...
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The Rise of College Costs
The Rise of College Costs
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Jan 11, 2013 MoneyWise
Our Struggling Military–Howard Dayton and Steve Moore address the common financial challenges facing military families today. Next, they answer questions at (800) 525-7000 and MoneWise@Compass1.org about the following: "I am upside down on a couple of properties. Is there any way for me to refinance my loan?" "How do you budget on an irregular income?" "I purchased a term life policy 20 years ago and converted it to a universal life policy. I can no longer afford it, but we need life...
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Jan 10, 2013 Money Wise
Don't Ignore Financial Problems – Howard Dayton and Steve Moore reveal the importance of proactively addressing financial problems. Then they turn to questions from listeners(800-525-7000ormoneywise@compass1.org): "My mother wants to refinance her condominium, but has been unable to do so. What are her options?" "I have an annuity with a payment of $50,000 due in a few years. Should I sell my annuity now?" "Should I invest in my 401k or buy life insurance first?" "I want to use savings to...
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Money Management for College Students
Money Management for College Students
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What is a Mutual Fund?
What is a Mutual Fund?
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Jan 9, 2013 MoneyWise
What To Do after a Job Loss– Howard Dayton and Steve Moore offer encouragement and practical advice for putting your life back together after a job loss. Then they turn to questions from listeners(800-525-7000ormoneywise@compass1.org): "How can I teach my children God's principles of handling money while also respecting my husband's different perspective?" "My paycheck disappears the day after I'm paid - what do I do?" "We've relocated to a more expensive area and feel uncomfortable with...
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Jan 8, 2013 MoneyWise
Top Financial Moves for 2013 (with Mark Biller) – Howard Dayton and Steve Moore welcome investment specialist, Mark Biller to MoneyWise. Together, they help you identify your top financial moves for 2013. Then they turn to questions from listeners(800-525-7000ormoneywise@compass1.org): "I'm out of debt and ready to start investing - where do I begin?" "How do I know it's time to pull out of an individual stock?" "Why do some stocks offer dividends?" "What do you think about investing in a...
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Jan 7, 2013 MoneyWise
Money Fights– God wants money issues in your marriage to be 'glue', not a 'wedge'. Howard Dayton and Steve Moore tell you how to make that a reality, today on MoneyWise. Then they turn to questions from listeners(800-525-7000ormoneywise@compass1.org): "My income and my home value have both dropped - can I still re-finance?" (Howard recommended checking out the HARP 2 program atMakingHomeAffordable.gov, as well asBankRate.com) "I'm a teacher - what's the best way for me to pay for a master's...
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Jan 5, 2013 MoneyWise Weekend
Death and Taxes - Howard and Steve talk about preparing for a couple of life's certainties. Howard reminds us that God's the owner of everything, including the stuff he has put in our care. That's one of the reasons why it's important for each of us to prepare a will or trust. Howard discusses the differences between these two instruments, both of which are tools of communication so that your loved ones can know what your wishes are with regard to you assets. Next, Steve asks about where...
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Jan 4, 2013 MoneyWise
Giving with Delight -Howard Dayton and Steve Moore reveal the joyful act of worship that giving is designed by God to be and explain the freedom you can experience by developing a Biblical attitude toward giving.Next, they take questions at(800) 525-7000and MoneyWise@Compass1.org about the following: To what extent should I get involved in my parents' finances? We desperately need a larger home. Should we try to purchase a home soon? How much money should we have in our emergency fund? My...
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Jan 3, 2013 MoneyWise
The Value of Meditating on God's Word -Howard Dayton and Steve Moore explain why perhaps the single greatest key to true financial freedom is meditating on the truth found in God's Word. Next, they take questions at(800) 525-7000and MoneyWise@Compass1.org about the following: I have a 401k through my employer, but my husband does not yet contribute. How should we got about starting with his retirement saving? Is it okay for a Christian to file bankruptcy? A debt counselor advised me to stop...
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Jan 2, 2013 MoneyWise
Facing Financial Temptation– Howard Dayton and Steve Moore remind us that God's word - and a close relationship with Christ - are our key defenses against the lure of financial temptation. Then they turn to questions from listeners(800-525-7000ormoneywise@compass1.org): "Should I borrow money from my Thrift Savings Plan to pay off credit card debt?" "Is it okay to cut back on my giving in order to focus on my personal financial health?" "Should my teen have her own checking account and debit...
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Jan 1, 2013 MoneyWise
New Year's Day 2013– Howard Dayton and Steve Moore discuss what you can dothis weekto improve your financial situation in the coming year. Then they turn to questions from listeners(800-525-7000ormoneywise@compass1.org): "I tithe, but my husband does not - is that preventing God from blessing my life and marriage?" "A financial advisor is counseling us not to pay off our home - what does the Bible say?" "Retirement is approaching, but we don't have a lot set aside - would it be better to...
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Dec 31, 2012 MoneyWise
New Year's Eve 2012– Howard Dayton and Steve Moore reflect on some of the challenges and blessings of the past year. Then they turn to questions from listeners(800-525-7000ormoneywise@compass1.org): "My daughter has blemishes on her credit report due to some medical expenses not paid on time by our insurance company - how can she resolve this?" "Upon my parent's death, I'll inherit either 1) income property or 2) cash from thesaleof that property - is one option better than another'?"...
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Dec 29, 2012 MoneyWise Weekend
Kids Working – Howard Dayton and Steve Moore suggest age-appropriate opportunities for instilling good work habits in children and adolescents. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "I'm 70 years old, on Social Security and thinking of either selling my home or taking on a renter - do you have any advice?" "Where's the trade-off between a car with good gas mileage and a car that fits my budget?" (check out Edmunds.com, Kelley Blue Book / kbb.com...
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Dec 28, 2012 MoneyWise
Financial Twilight Zone - Howard Dayton and Steve Moore discuss the strange new financial realities and how you can adjust to a rapidly changing economic landscape.Next they answer questions at(800) 525-7000and MoneyWise@Compass1.org about the following: It has been suggested that we combine our car loan with a property loan. Is this a good idea? How can we get out of date at an older age and build savings for our retirement? Mentioned in this program:Credability Nonprofit Debt Counseling &...
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Dec 27, 2012 MoneyWise
Christians and Prosperity - Some suggest the Bible tells all Christians to live in poverty, while others claim every Christian is entitled to material wealth. Today Howard Dayton and Steve Moore reveal what the Bible really has to say about Christians and prosperity. Next they answer questions at(800) 525-7000and MoneyWise@Compass1.org about the following: Should I take out student loans to further my education? We can't find any lender willing to refinance our mortgage. What are our...
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Dec 26, 2012 MoneyWise
Investing or Hoarding? (withDave Szafranski)– Howard Dayton and Steve Moore welcome investment advisor, Dave Szafranski, to discuss saving, investing, generosity and fulfilling God's purposes for our life. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "Is our economic system really as stable as we are led to believe, and should we pull our investment money out of the banks and stock market?" "I'm 24 years old and working for a company with no retirement...
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Dec 25, 2012 MoneyWise
Christmas Day 2012 – Howard Dayton and Steve Moore reflect on the gift of God's Son for our salvation - for eternity, but also in our everyday lives. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "How do I best use - or invest - money my deceased husband left for me?" (Howard recommended SoundMindInvesting.com and the Sound Mind Investing Handbook) "How do my siblings and I settle a difference of opinion on the value of some property we inherited? And...
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Dec 24, 2012 MoneyWise
Christmas Eve – Howard Dayton and Steve Moore reflect on how the celebration of Christmas should impact our lives and our finances. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "I'm a 71-yr-old widow and need some insight on future housing options." (Howard recommended checking out affordable housing options for seniors at HUD.gov) "I'm a 58-yr-old widow - what can you tell me about a 'reverse mortgage'?" (Howard again recommended HUD.gov) "How do we...
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Dec 21, 2012 MoneyWise
Destination 3 on the Compass Money Map - Howard Dayton and Steve Moore explain destination 3 on the Compass Money Map (pay off student loans and auto debt.) Next, they answer calls and questions at (800) 525-7000 and MoneyWise@Compass1.org about the following: I inherited 3 homes, but they need to be renovated to sell or rent. Should I borrow the money to do this? Should I buy long-term care insurance? We are renting out a home to someone and I would like to refinance that home. Is there a...
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Dec 20, 2012 MoneyWise
Learn to Celebrate - Howard Dayton and Steve Moore discuss the importance of celebrating your progress each step of the way on the road to true financial freedom. Next, they answer calls and questions at (800) 525-7000 and MoneyWise@Compass1.org about the following: I know the Bible discourages borrowing. But is it okay to borrow from myself (from my 401k)? Should I sell a rental property or take out another mortgage to clear up some other debts? My children will be receiving SS survivors...
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Dec 19, 2012 MoneyWise
Life Insurance, with Mike Cave (ImpartialInsuranceAdvisor.com) – Howard Dayton and Steve Moore welcome life insurance specialist, Mike Cave, to discuss the biblical and practical aspects of life insurance. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "We have a whole life policy that we've borrowed against - how do we determine if we should keep it in force?" "A friend passed away recently, but his life insurance policy can't be found - how do we...
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Dec 18, 2012 MoneyWise
Right and Wrong Thinking about Taxes – Howard Dayton and Steve Moore discuss the Bible's perspective on paying taxes - including my attitude. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "My husband and I have very different perspectives on retirement planning - how do we get on the same page and reduce some of the tension?" "We're gotten way behind on our VA home loan and the lender is making it difficult to get caught up - any suggestions?" "What...
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Dec 17, 2012 MoneyWise
Helping the Poor – According to the Bible, taking care of the poor and needy is a big deal to God. Today on MoneyWise, Howard Dayton and Steve Moore share some life-changing benefits of ministering to the less fortunate. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "We're recent college graduates, but underemployed and struggling to pay off student loans - should we focus on paying those off before considering a home purchase?" "I'm a 56-yr-old single...
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December 14, 2012 MoneyWise
The 8th Wonder of the World - Howard Dayton and Steve Moore reveal what has been called the "8th wonder of the world".Next, they answer calls and quetsions at (800) 525-7000 and MoneyWise@Compass1.org about the following: Should I cash out some stock investments to put the money into ministry? I do not have a church home right now, so where should I give my tithes? Being newly self-employed, are their any considerations I need to keep in mind or common pitfalls I need to avoid? We are...
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December 13, 2012 MoneyWise
Setting Prices in a Christian Business - Howard Dayton and Steve Moore discuss Biblically sound principles for setting prices fairly and profitably within your business. Next, they answer calls and quetsions at (800) 525-7000 and MoneyWise@Compass1.org about the following: What can we do to improve our credit? I have an opportunity to buy a business, but it will require borrowing heavily. What should I do? I've heard you not to contribute to a 401k beyond the employer match. Why? And if not...
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Dec 12, 2012 Money Wise
Kids Working – Howard Dayton and Steve Moore suggest age-appropriate opportunities for instilling good work habits in children and adolescents. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "I'm 70 years old, on Social Security and thinking of either selling my home or taking on a renter - do you have any advice?" "Where's the trade-off between a car with good gas mileage and a car that fits my budget?" (check out Edmunds.com, Kelley Blue Book / kbb.com...
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Dec 11, 2012 Money Wise
An Update on the Economy, with Ken Frenke – Howard Dayton and Steve Moore welcome investment advisor, Ken Frenke, to the program for a post-election view of the economy. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "Can we split an IRA into two accounts under different names?" "I make $32,000 a year and can put some money toward debt reduction - how do I prioritize debt payoff?" (Howard recommendedBankRate.com) Be sure to check out theCompass...
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Dec 10, 2012 Money Wise
Being Entrusted with More – Are you ready for God to entrust more finances into your care? Howard Dayton and Steve Moore discuss the role of fiduciary faithfulness today on MoneyWise. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "I see myself going into some kind of missions work - how can I best prepare financially for long-term retirement?" (Howard mentioned SoundMindInvesting.com and 'The Sound Mind Investing Handbook') "We're going to be relocating...
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Dec 8, 2012 Money Wise Weekend
How To Determine What To Buy and How Much To Spend – How do our everyday purchases reveal our value system? Today on MoneyWise Weekend, Howard Dayton and Steve Moore offer guidelines for making wise spending decisions. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "Is it more important to pay off my low-interest student loan or get my retirement fund started?" "We've lost our home - what's our next step? Should we consider bankruptcy?" "As a young...
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December 7, 2012 MoneyWise
Looking Back on Your 2012 - Howard Dayton and Steve Moore discuss the importance of looking back on all the ways the Lord has blessed you throughout the year.Next, they answer calls and questions at (800) 525-7000 and MoneyWise@Compass1.org about the following: Should we take money from our 401k to pay off our house? How much should I focus on repaying student loans vs investing for the future? In my previous marriage, money was used to control me. I now hate dealing with money. How do I...
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December 6, 2012 MoneyWise
The Source of All Truth - You must be careful where you get your advice. Howard Dayton and Steve Moore urge listeners to make sure any and all advice, financial or otherwise, lines up with the truth of God's Word. Next,they answer calls and questions at (800) 525-7000 and MoneyWise@Compass1.org about the following: I'm renting a house that is in foreclosure. Should I rent another home or look into buying a home? Do you advise investing in gold and silver? And if so, how much should we buy?...
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Dec 5, 2012 Money Wise
Tips To Keep Your Christmas Merry – Howard Dayton and Steve Moore offer tips for increasing Christmas joy and decreasing Christmas stress. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "Do I understand correctly that a 'short sale' will hurt me less in 2012 than it will in 2013?" (Howard mentioned HARP 2 and BankRate.com) "My daughter is about to lose a home I gave her. Is there anything I can do about it?" (Howard recommended CredAbility.org) "How do...
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Dec 4, 2012 Money Wise
Misplaced Optimism of Youth – Howard Dayton and Steve Moore give parents guidelines for directing their children toward responsible financial adulthood. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "What financial preparation does the Bible say I need before getting married?" "What are the advantages of a Roth IRA vs a traditional IRA?" "My 79-yr-old mom has an annuity that just came due. Should we put that money into savings, into another annuity or...
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Dec 3, 2012 Money Wise
More Precious Than Silver – Money and 'things' can be very helpful tools, but serving them is a dead-end street. Howard Dayton and Steve Moore help you keep your eyes on things of eternal value today on MoneyWise. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "As a small businessman, what's a reasonable mark-up for the raw materials I purchase?" "At 65, would I be better off putting some discretionary funds toward my mortgage or toward purchasing...
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November 30, 2012 Money Wise
Christmas Shopping Tips - Howard Dayton and Steve Moore offer advice to help stretch your dollars during the holiday season, while avoiding additional debt. Next, they answer calls and questions at (800) 525-7000 and MoneyWise@Compass1.org about the following: Should you carry life insurance on young children? Would it be wise to continue renting out our second home, or should we sell it? Is it Biblically okay to accept unemployment benefits? How can our grandson get adequate transportation...
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Writing Off Tithes on Taxes
Writing Off Tithes on Taxes
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November 29, 2012 Money Wise
Once and for All Decisions - Howard Dayton and Steve Moore talk about makingBible-based commitments that govern your financial decisions throughout your life.Next, they answer calls and questions at (800) 525-7000 and MoneyWise@compass1.org about the following: How do I invest in advance of heading into the mission field? I am disabled and deeply in debt. How do I handle this debt and address my creditors? I have just enough income to meet my monthly expenses. Should I continue to tithe?...
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Getting Important Documents In Order
Getting Important Documents In Order
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Working With Grandparents in Training Children
Working With Grandparents in Training Children
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Nov 28, 2012 Money Wise
The Problem of Identity Theft (with Dr Axton Betz)– Howard Dayton and Steve Moore welcome Dr Axton Betz. As a victim of identity theft herself (at age 11), Dr Betz offers advice for protecting yourself and your children from identity theft, as well as direction if your identity has already been stolen. Several helpful resources are mentioned on the program: AnnualCreditReport.com,the Identity Theft Resource Centerandthe Federal Trade Commission (ftc.gov),. Dr Betz also recommends checking...
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Refinancing To Help Children Through College
Refinancing To Help Children Through College
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Nov 27, 2012 Money Wise
Beware of Greed – Howard Dayton and Steve Moore help you avoid becoming a victim of greed. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "Should I cash out a life insurance policy to stabilize my finances in the wake of a divorce?" (Howard mentioned the 'Money and Marriage God's Way' study; also available as a book and audio CD) "Is it okay to accept loan forgiveness for school debt?" "I'm a widow in need of a new roof, but I have no money. What kind of...
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Lowering Your Interest Rate on Your Credit Cards
Lowering Your Interest Rate on Your Credit Cards
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Nov 26, 2012 Money Wise
Is the Economy Straining Your Marriage? – Howard Dayton and Steve Moore offer encouragement and guidance for using financial stress to actually strengthen your marriage. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "What's a reverse mortgage?" "As newlyweds, should our focus be on paying down debt or putting money away for retirement?" "With low mortgage rates, would it be better to buy a bigger house OR buy the same size house but pay it off faster ?"...
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November 24, 2012 Money Wise Weekend
Raising Adult Children – Howard Dayton and Steve Moore offer guidelines for raising financially responsible children and then setting healthy boundaries as they enter adulthood. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "How can I best prepare for a looming layoff at work?" "How do we safely close out multiple credit cards?" (Howard recommended AnnualCreditReport.com) "Are there legal grounds for not paying income tax?" "How do I correct a mistake...
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November 23, 2012 Money Wise
Evaluating Your Investments for 2013 - Howard Dayton and Steve Moore are joined by investment adivsor Mark Biller to discuss Bible-based investing. Next, they answer calls and questions at (800) 525-7000 and MoneyWise@compass1.org about the following: We have a surplus of around $2,000 per month. How should we invest that? I am 70 years old and retired. I have a 401k and I am at the age where I will begin taking that out. What should I do with those funds? I'm thinking about retiring...
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Pickpocket Companies
Pickpocket Companies
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November 22, 2012 Money Wise
MoneyWise Thanksgiving Special - Howard Dayton and Steve Moore reveal what God's Word says about giving thanks as it pertains to finances and every area of our lives. Next, they answer calls and questions at (800) 525-7000 and MoneyWise@compass1.org about the following: I'm upside down on my mortgage and would like to refinance, but do not qualify for the HARP program. What can I do? We're thinking about building a house, but I have an irregular income. How do I determine what kind of house...
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Value Investing
Value Investing
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Nov 21, 2012 Money Wise
The Benefits of Being Thankful – The Bible tells us that a joyful heart is good medicine. Howard Dayton and Steve Moore elaborate today on MoneyWise. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "How do we decide between a 15-year and a 20-year re-fi?" (Check out MakingHomeAffordable.gov) "Medical bills, job loss and the death of my husband have wiped out my finances - what's my next step?" "What's a good investment strategy for a young married...
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Giving Notice in a Job Even When It May Cost You
Giving Notice in a Job Even When It May Cost You
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Becoming Debt Free For Retirement
Becoming Debt Free For Retirement
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Nov 20, 2012 Money Wise
The Principle of Trust – Do you trust God, or just SAY that you trust God? Howard Dayton and Steve Moore discuss the difference today on MoneyWise. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "Where do I tithe since I have no church home at the moment?" "With a mortgage balamce of only $27,000, is it worth it to re-finance?" (see the Compass mortgage calculator) "Do you have any recommendations for getting an auto deficiency paid off faster?" Be sure...
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Nov 19, 2012 Money Wise
Keeping Good Records – Keeping good records is essential to good financial health, and Howard Dayton and Steve Moore break the process down into easy, bite-sized pieces today on MoneyWise. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "How do I acquire a piece of abandoned property when the owners won't respond?" "How can a husband and wife - with very different approaches to money - learn to work together?" "How do I deal with tax-filing errors made by...
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Why is Black Friday Called Black Friday?
Why is Black Friday Called Black Friday?
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November 16, 2012 Money Wise
Christ Centered Capitalism - Howard Dayton and Steve Moore discuss the importance of keeping Jesus at the center of all business practices.Next, they answer calls and questions at (800) 525-7000 and MoneyWise@compass1.org about the following: My mother has a great deal of money in savings bonds, but the tax burden when I cash them in is outrageous. What can I do? I'm concerned about a possible looming economic crisis. How can I prepare? I'm taking a new job. I'm concerned if I provide 2...
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Paying Off Mortgage Vs. Paying for Retirement
Paying Off Mortgage Vs. Paying for Retirement
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November 15, 2012 Money Wise
God's Vocational Calling On Your Life - Howard Dayton and Steve Moore discuss the importance of asking the Lord what his purpose is for your life.Next, they answer calls and questions at (800) 525-7000 and MoneyWise@compass1.org about the following: Could the Lord use the lottery to bless me financially? How can I better manage my retirement investments? I can't find a bank that will refinance my mortgage, given my balance is now below $50,000. Any suggestions? Are there any scriptures that...
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How to Repair Damage After Identity Theft
How to Repair Damage After Identity Theft
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Investing In Iraqi Dinars
Investing In Iraqi Dinars
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Nov 14, 2012 Money Wise
Getting Good Counsel – Howard Dayton and Steve Moore discuss the value - and danger - of seeking the counsel of other, as well as where to find good counsel. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "As a single mom, where can I invest an inheritance to multiply it for me and my children?" (Howard recommended SoundMindInvesting.com and KingdomAdvisors.org) "What's the difference between term and whole life insurance, and which is better for a...
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Nov 13, 2012 Money Wise
How To Determine What To Buy and How Much To Spend – How do our everyday purchases reveal our value system? Today on MoneyWise, Howard Dayton and Steve Moore offer guidelines for making wise spending decisions. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "Is it more important to pay off my low-interest student loan or get my retirement fund started?" "We've lost our home - what's our next step? Should we consider bankruptcy?" "As a young husband and...
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Setting Up A Father Son Business
Setting Up A Father Son Business
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Nov 12, 2012 Money Wise
Pre-Marital Discussions about Money – Today on MoneyWise, Howard Dayton and Steve Moore identify issues that need to be discussed before you say, 'I do'. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "The lack of home 'comps' in my area are making it difficult to convert my construction loan into a conventional loan" (Howard recommended checking out the 'Harp 2' program /MakingHomeAffordable.gov) "What are our options for dealing with a second home?...
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Passing On An Inheritance
Passing On An Inheritance
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November 10, 2012 Money Wise Weekend
Teaching Teens the Value of Hard Work – Howard Dayton and Steve Moore stress the importance of modeling and providing work opportunities in teaching your children and teens to work productively. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "How do we prioritize debt pay-off with our long-term goal to build a home?" "Is a traditional IRA or a Roth IRA better for someone who's getting a late start on retirement saving'"' "I'm 70 and thinking of moving...
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Raising Debt for Vacation
Raising Debt for Vacation
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November 9, 2012 Money Wise
Don't Get Taken for a Ride on Auto Repairs - Howard Dayton and Steve Moore offer tips for saving money on auto maintenance while avoiding repair ripoffs. Next, they answer calls and questions at (800) 525-7000 and MoneyWise@compass1.org about the following: Our son has left his wife and children, and now his wife is asking us for financial help. Should we get involved? I've heard that the higher your credit score is, the lower the down-payment needed for a home. Can you explain how this...
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Money Arguments in Marriage
Money Arguments in Marriage
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November 8, 2012 Money Wise
Planning for the Uncertain - Howard Dayton and Steve Moore offer Biblical guidance on preparing financially in uncertain times. Next, they answer calls and questions at (800) 525-7000 and MoneyWise@compass1.org about the following: We are looking at buying a home, but our tax returns don't show enough income to qualify for a loan. What do you suggest? Should I look at doing a reverse mortgage in the near future or simply refinance my home? I have an opportunity to receive a pension benefit...
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Nov 7, 2012 Money Wise
Talking Mortgages with Dale Vermillion – Howard Dayton and Steve Moore welcome mortgage expert Dale Vermillion (DaleVermillion.com) to discuss 'Reverse Mortgage' scams and the pros and cons of the 'Harp 2' program. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "How do I re-finance a piece of rental property?" "How do I finder a lender who'll re-finance a modular home?" (Dale recommended BankRate.com) "Serious health issues have caused a lender to turn...
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Is It Wise to Cosign For My Church?
Is It Wise to Cosign For My Church?
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The Bible on Budgeting
The Bible on Budgeting
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Nov 6, 2012 Money Wise
Giving from Love – Today on MoneyWise, Howard Dayton and Steve Moore look at the importance of giving with the right motivation. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "Would it be wise to take my pension early to pay down debt?" "Cash flow problems are hurting our business and personal finances - can you offer some insight?" "Does it make sense to cash in savings bonds early?" "How do I tell if a 'work from home' offer is legitimate?" Mentioned...
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Being Honest In the Workplace
Being Honest In the Workplace
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Nov 5, 2012 Money Wise
What the Bible Says About Lending Money – Lending money to someone can be a real blessing to them. It can also bring serious harm. Howard Dayton and Steve Moore offer biblical insight to help you discern when to lend. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "How do I prioritize pressing medical bills vs. building up my savings?" "Beyond a 401(k) and a Roth IRA, where should we invest for retirement?" (Howard recommending checking out...
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November 3, 2012 Money Wise Weekend
Understanding HELOC's – Howard Dayton and Steve Moore discuss the pro's and con's of Home Equity Lines of Credit and offer some serious warnings. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "We have some retirement funds in low-yielding CD's - is there a better place to invest?" "I need some insight on re-financing - combining a first and second mortgage'"' "Are there tax consequences to giving a home to my daughter?" Be sure to check out theCompass...
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The Importance Of Paying Bills On Time
The Importance Of Paying Bills On Time
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November 2, 2012 Money Wise
The Word on Lawsuits - Howard Daytonand Steve Moore reveal what the Bible has to say about litigation and settling disputes. Next, they answer calls and questions at (800) 525-7000 and MoneyWise@compass1.org about the following: Should I take out a loan to pay for house repairs? My mother is in financial trouble. Should she file bankruptcy? Should we keep paying on our mortgage for tax benefits or pay it off ASAP? Be sure to check out theCompass websitefor a complete listing of...
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Encouraging Church To Give More
Encouraging Church To Give More
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November 1, 2012 Money Wise
Defining Wealth - Howard Dayton and Steve Moore offer insight into the Bible's definition of wealth and God's plan for your money. Next, they answer calls and questions at (800) 525-7000 and MoneyWise@compass1.org about the following: Would it be wise to continue renting or should I try to purchase a home? Should I retire now or wait four more years? Should I be worried about the value and stability of my savings bonds? Why should I save for the future, as opposed to trusting God to provide?...
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Does God Return Material Blessings When We Give?
Does God Return Material Blessings When We Give?
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Oct 31, 2012 Money Wise
So You're Thinking of Retiring – Today on MoneyWise, Howard Dayton and Steve Moore offer counsel on using your retirement years most effectively. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "Should I put my stocks in a safer place until after the elections?" "How do I re-finance a home with an upside-down mortgage?"(check outHarp 2andBankRate.com) "Do overdue medical bills affect my credit score?" "What does the Bible say about dealing with financial...
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Oct 30, 2012 Money Wise
Money and the Work Sphere of Our Lives – Today on MoneyWise, Howard Dayton and Steve Moore offer counsel for keeping our work lives in proper balance. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "How should a recent college graduate view long-term investing?" "What are the pro's and con's of 'Harp 2' government backed mortgages?"(check outHarp 2andBankRate.com) "Where should I keep my emergency fund?" "What do you think of the credit repair services I...
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Leaving Money to an Irresponsible Grandchild
Leaving Money to an Irresponsible Grandchild
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Spending Allowances to Avoid Friction in Marriage
Spending Allowances to Avoid Friction in Marriage
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Oct 29, 2012 Money Wise
Bank Shopping – Today on MoneyWise, Howard Dayton and Steve Moore discuss the important qualifications and services to look for when shopping for a new bank. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "The company I work for recently lost their contract. I was in their 401K program but now I'm not sure what to do. Could you give me some advice?" "My husband and I have significant debt. Should we still tithe to our church?" "I would like to get a...
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Oct 26, 2012 Money Wise
National Mincemeat Day – Today on MoneyWise, Howard Dayton and Steve Moore discuss the importance of following God's principles so we don't make mincemeat of our personal finances. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "I'm trying to decide if I should go back to school to get my Bachelor's degree. I don't want to get caught up in a ton of student loan debt. Can you give me some advice?" "I'm retiring soon and I have about 70K in my TSP account....
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How Much Should I Contribute to Retirement Plans?
How Much Should I Contribute to Retirement Plans?
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Paying off Student Loan Before Getting Mortgage
Paying off Student Loan Before Getting Mortgage
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Teaching Children How to Budget
Teaching Children How to Budget
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Oct 24, 2012 Money Wise
Why Are We So Easily Fooled? – Today on MoneyWise, Howard Dayton and Steve Moore examine the human heart for clues as to why we so easily fall prey to scam artists. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "How can I best use the cash value in an unneeded life insurance policy?" "Can you help a couple who doesn't see eye to eye on how to get out of debt?" "How do I refinance rental property?" Mentioned on today's program was the Compass small group...
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Oct 23, 2012 Money Wise
Investing Mistakes (with Mark Biller) – Howard Dayton and Steve Moore welcome Mark Biller to MoneyWise. Together, they help us avoid some common investing mistakes and then turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "Are you familiar with an '801(k) Dividend Reinvestment Plan'?" "What are our options for re-investing a lump-sum pension benefit?" "At what point do we no longer need life insurance?" Mentioned on today's program was the Compass small-group study,...
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What are Payday Loans?
What are Payday Loans?
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Oct 22, 2012 Money Wise
The Trap of Sudden Wealth – Today on MoneyWise, Howard Dayton and Steve Moore offer counsel on how to handle an unexpected windfall. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "How can I re-finance with no equity in my home?" (check out Harp 2 and BankRate.com) "How would you advise a single young man just starting a career and looking for a home'"' "Should I use my 401(k) to pay off student loans?" "What's that special gift-tax exemption that...
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Getting Credit Reports Annually and Free
Getting Credit Reports Annually and Free
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October 20, 2012 Money Wise Weekend
The Atomic Clock- Howard Dayton and Steve Moore tell us what time pieces can teach us about achieving true financial freedom.Next, they answer calls and emails (800-525-7000 or MoneyWise@Compass1.org) about the following: I may be moving into full-time ministry. What should I do about health insurance? I share properties with my mother. She wants to take out a loan on one of the properties. Should I agree to this? We are going to be receiving an inheritance soon. Should we use it to pay off...
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October 19, 2012 Money Wise
Investing in People - Howard Dayton and Steve Moore reveal the most important investment you can make as a Christian. Next, they answer calls and questions at (800) 525-7000 and MoneyWise@compass1.org about the following: My daughter will be heading to college soon. Should I go back to work full-time to help cover college costs? Should we take cash from emergency savings to pay off a car loan? I have $10,000 in cash and I'm not sure what to do with it. Should I save it or invest it? Be sure...
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The Importance of Honesty and Trusting God
The Importance of Honesty and Trusting God
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Why do the Wicked Prosper?
Why do the Wicked Prosper?
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October 18, 2012 Money Wise
Renting a Handbag - Howard Dayton and Steve Moore use an usual example to illustrate Biblical contentment as it relates to money and possessions. Next, they answer calls and emails at (800) 525-7000 and MoneyWise@compass1.org about the following: Is it worthwhile to refinance a house we may be selling within a couple of years? Should I take out a car loan to upgrade to a reliable vehicle and build my credit? How should I invest cash currently in a savings account and is a 401k the right...
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Helping Married Child Buy Starter Home
Helping Married Child Buy Starter Home
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Oct 17, 2012 Money Wise
Raising Adult Children – Howard Dayton and Steve Moore offer guidelines for raising financially responsible children and then setting healthy boundaries as they enter adulthood. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "How can I best prepare for a looming layoff at work?" "How do we safely close out multiple credit cards?" (Howard recommended AnnualCreditReport.com) "Are there legal grounds for not paying income tax?" "How do I correct a mistake...
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Oct 16, 2012 Money Wise
Investing in an Uncertain Economy (with Dave Szafranski) – Howard Dayton and Steve Moore welcome Dave Szafranski to the program for a look at the coming elections and how they might impact our financial future. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "What do you think about invest retirement funds in a Thrift Savings plan and A-rated insurance companies?" "What can you tell me about investing in individual bonds?"' "What's the best way to save...
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Giving in to Advertising
Giving in to Advertising
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Oct 15, 2012 Money Wise
Who Needs a Budget? – A budget is a plan for how you're going to spend your money. Today on MoneyWise, Howard Dayton and Steve Moore tell you how use a budget to set healthy boundaries in your financial life and create healthy communication in your marriage. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "We're in great financial shape and thinking of investing in rental property as a long-term investment - any advice?" "I'd like to get my mom's name of...
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Allowance vs. Working for Pay
Allowance vs. Working for Pay
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October 13, 2012 Money Wise Weekend
Surviving on the Trail to Financial Freedom – Howard Dayton and Steve Moore help you protect yourself against unscrupulous 'credit repair' companies, predatory lenders and the like (Howard recommended CredAbility.org).Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "How do i help my children secure a credit card?" (Howard recommended BankRate.com) "We're about to sell my 76-year-old mom's home - where do we invest the proceeds?" "What is a gold...
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Why is Money So Important to God?
Why is Money So Important to God?
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October 12, 2012 Money Wise
Instant Gratification - In today's culture, we're urged to the live for the moment and buy impulsively. But as Howard Dayton and Steve Moore reveal, the Bible offers very different advice.Next, they answer calls and emails (800-525-7000 or MoneyWise@Compass1.org) about the following: Where do you draw the line when it comes to giving to family? Should I use money from an insurance pay out to pay off my home? What is an ARM and do you recommend that kind of mortgage? Could you please share a...
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Tips on Opening a Restaurant or Other Business
Tips on Opening a Restaurant or Other Business
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October 11, 2012 Money Wise
Housing and Real Estate - Howard Dayton and Steve Moore are joined by author and mortgage expert Dale Vermillion to the ever changing housing market.Next, they answer calls and emails (800-525-7000 or MoneyWise@Compass1.org) about the following: Should I help my son pay off his home? Can refinancing your home help you pay off your mortgage sooner? My current lender says there cannot refinance my loan. What are my options? Lear more about Dale Vermillion at DaleVermillion.com. Be sure to...
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October 10, 2012 Money Wise
Entertainment/Recreation and Your Budget – There's a God-ordained purpose for rest and recreation, but, without a plan, it can wreak havoc on your budget. Today on MoneyWise, Howard Dayton and Steve Moore help you restorebalance to your recreational spending. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "As a young, growing family, what do we need to think through before buying a home?" "I'm over my head in debt - what are my options?" "What do you...
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Help With Investing
Help With Investing
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Oct 9, 2012 Money Wise
Financial Advice from Divorcees – Howard Dayton and Steve Moore pass along financial insights that just might help you avoid a marriage-ending mistake. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "Where can I invest an unexpected $500 gift?" (Howard mentioned Austin Pryor's book, 'The Sound Mind Investing Handbook'; you can also check out the SMI website here) "How much money should we put into a home we plan to sell?"' "Can I get a tax benefit for...
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How to Tithe on Business Proceeds
How to Tithe on Business Proceeds
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Oct 8, 2012 Money Wise
Teaching Teens the Value of Hard Work – Howard Dayton and Steve Moore stress the importance of modeling and providing work opportunities in teaching your children and teens to work productively. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): "How do we prioritize debt pay-off with our long-term goal to build a home?" "Is a traditional IRA or a Roth IRA better for someone who's getting a late start on retirement saving'"' "I'm 70 and thinking of moving...
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What to do When You’ve Lost Your Job
What to do When You’ve Lost Your Job
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October 6, 2012 Money Wise Weekend
Who Gets the Credit? – Howard Dayton and Steve Moore explore the question "Who deserves the credit for your success?" Next, they answer calls and emails (800-525-7000 or MoneyWise@Compass1.org) about the following: Should we sell a rental property in order to pay off the mortgage on our farm? We have started applying extra cash each month toward our mortgage. How much faster will this allow us to pay it off? How can we help our young niece and her new husband to learn how to handle money...
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October 5, 2012 Money Wise
Coping with the loss of a loved one - When you lose some close to you, the last thing you want to think about is money. Yet, that's one of the first things you're forced to deal with. Howard Dayton and Steve Moore offer Biblical advice for handling financial concerns after the death of a family member.Next, they answer calls and emails (800-525-7000 or MoneyWise@Compass1.org) about the following: I have a 4 and a 9 year old. What is the best way to save for their college? Should we pay cash...
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Buying Through a Short Sale
Buying Through a Short Sale
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October 4, 2012 Money Wise
Financial Literacy - Howard Dayton and Steve Moore reveal the results of a recent survey of Americans regarding budgeting and money management.Howard Dayton and Steve Moore offer insight on this vital topic.Next, they answer calls and emails (800-525-7000 or MoneyWise@Compass1.org) about the following: Should we work toward buying a home or more aggressively attack debt while renting? Would it be wise to take money out of my 403-b to pay for a debt? I am pastor of a small church and receive...
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