If you bought a house in the last couple of years you ve probably been wondering When can I refinance The Federal Reserve has already made one interest rate cut and more are expected before the end of the year So when will it make sense to refinance your mortgage If you re considering refinancing your mortgage it s crucial to weigh various factors before making a decision Movement Mortgage provides a helpful article Refinancing Calculate Your Break-Even Point First which explains when refinancing makes sense and how to determine if it's right for you While lower interest rates are [... more]

Go at the speed of joy The phrase dropped into my mind as I prayerfully considered the year ahead one morning and it seemed apt I had a propensity to overwork which often sapped my joy So following this guidance I committed to working at an enjoyable pace in the coming year making space for friends and joyful activities This plan worked nbsp nbsp until March Then I partnered with a university to oversee the trial of a course I rsquo d been developing With students to enroll and teaching to deliver I was soon working long hours to keep [... more]

Recently on his popular show a well-known financial expert dismissed the common advice to withdraw only of your retirement savings annually as moronic advocating instead for an withdrawal rate In this video Peter Richon with Richon Planning and Erin Kennedy talk through whether and when an withdrawal rate makes sense Here's the answer yes it might make sense But it all depends on the individual person Finding the correct withdrawal rate will vary from person to person To find that number you need to account for life expectancy spending habits and market conditions Finding that number will ensure your savings [... more]

Did you know that anxiety disorders are the most common mental illnesses in the U S today You might assume that we have a major anxiety problem just by the number of commercials you see for new medicines to treat these disorders but is anxiety really a new thing The Reality Of AnxietyModern medicine recognizes anxiety in many forms generalized anxiety disorder panic disorder social anxiety and various phobias Data shows nearly a third of all U S adults will experience some form of anxiety in their lifetime The cost of treating anxiety disorders in the U S runs into [... more]

Taxes are set to increase in And even though it may not feel like it we are living in a historically low tax rate In this video Peter with Richon Planning and Erin Kennedy talk through the pros and cons of a Roth Conversion for someone in their 's First the pros if you convert your IRA to a Roth IRA you and your beneficiaries will have tax-free withdrawals all future growth will happen tax-free and you'll have no Required Minimum Distributions which means you have better control your tax liability But before you convert you should also consider the [... more]

Are you confident you'll be able to retire comfortably someday Are you taking steps to make that happen Inadequate savings faulty assumptions and high inflation could create barriers to a comfortable retirement Can we learn anything from today's retirees Matt Bell thinks we can and joins us today to discuss this Matt Bell is the Managing Editor at Sound Mind Investing an underwriter of Faith Finance What does the latest Employee Benefit Research Institute data show about how people feel about their retirement prospects In the latest report nearly of people in the workforce and somewhat higher numbers of those [... more]

She looks well to the ways of her household and does not eat the bread of idleness Her children rise up and call her blessed her husband also and he praises her - Proverbs The True Value of MotherhoodAs we approach Mother's Day it's a great time to reflect on mothers' immense value to our lives beyond their immeasurable emotional and spiritual support While it's clear that a mother's contributions are priceless have you ever wondered what the monetary value of a mother's work might be Recent data from Salary com helps put this into perspective revealing that if motherhood [... more]

Okay before we get into the specific money wasters there's a general principle you should be aware of if you're buying things that provide only a temporary sense of satisfaction you're probably wasting money It doesn't matter what it is if it's unnecessary and you grow bored with it it was a waste of money Check your closets for examples I'm not saying you should take a vow of poverty The Lord wants us to enjoy the resources He's given us but that must be tempered by the principle that we're merely stewards and must use His resources wisely Of [... more]

Rich and the guys are live from the NFL Draft in Detroit where Rich weighs in on the Atlanta Falcons' head scratcher of a decision to draft Michael Penix Jr th overall after signing Kirk Cousins this offseason NFL Insider Ian Rapoport tells Rich why the Atlanta Falcons drafting Michael Penix Jr actually makes sense if the ers are close to trading Brandon Aiyuk or Deebo Samuel after drafting Florida's Ricky Pearsall why the Buffalo Bills traded out of the first round and more ESPN NFL analyst Dan Orlovsky tells Rich why he was completely perplexed by the Falcons drafting [... more]

What is the main problem with any investment that guarantees returns such as annuities They're always a tradeoff Guarantees come with a cost Typically the lower the risk the lower the return What does the Bible say about this You won't find the word annuities'' in the Bible but there is a biblical principle to guide us on this topic The Parable of the Talents found in Matthew reveals that one of the servants buried his talent in the ground The master asked why he did that and the servant said he was afraid and the master was displeased All [... more]

Roth IRAs are one of the best ways to minimize taxes However many people earn too much to qualify for a Roth IRA single filers who make more than K and married couples who make more than k In this video Peter with Richon Planning and Erin Kennedy talk through an alternative for those high earners known as the Rich Person's Roth However it's not a retirement account it's a cash value life insurance policy which also offers tax free growth and tax free withdrawals Cash value life insurance can be a great strategy for certain investors However it's certainly [... more]

The third quarter of saw record growth in annuity sales billion That's an jump over the same quarter last year Here's one reason why recent interest rate hikes When interest rates rise that often means better returns on annuities especially for fixed and fixed index annuities Peter with Richon Planning explains the correlation to Erin Kennedy while outlining why annuities could make sense as part of your larger financial plan Annuities function as a private pension They can provide guaranteed income for the rest of your life Creating a private pension has become increasingly important because the percentage of workers [... more]

Investors who are concerned about a recession are putting their money in safe havens As Peter Richon with Richon Planning explains to Erin Kennedy gold is usually seen as a safe haven when markets and economies are facing headwinds And during periods of high inflation gold is often seen as a hedge Investing in gold makes sense if you're looking to diversify your portfolio or if you're interested in insuring against the devaluation or collapse of the dollar However if you're looking to maximize the growth of your investments investing in gold is probably not the best vehicle In this [... more]

What is the function of a priest What does it mean that Jesus Christ is our high priest These are questions Pastor Rich answers from today's text in Hebrews - Jesus guarantees that those who are in him are acceptable to God This is vital to us because our ultimate objective is to draw near to God So it makes sense that Jesus would be the one to say no one comes to the Father but by me [... more]

Fueled by COVID lockdowns and the rise of commission free brokerages like Robinhood online trading or day trading has seen a huge rise in popularity in the last few years However according to several recent financial studies almost all day traders lose lots of money particularly after accounting for fees and taxes If you're considering self-directed investing peter with richonplanning and erinkennedy break down the pros and the cons and Peter offers these considerations before you create an online trading account Consider Your Approach and Expectations if your expenses are covered by income and you are making contributions downturns can [... more]

Josh Graham WSJS on why he hates this decision to add Cal Stanford and SMU to the ACC Why does Adam and Josh completely disagree about this aspect of the new additions Josh doesn rsquo t criticize Jim Phillips for THAT but he does for THIS Adam gives his ldquo pros rdquo and cons of all this What isn rsquo t being talked about enough in Josh rsquo s opinion It makes sense to Josh WHY this was done but Adam completely disagrees Where do you stand nbsp [... more]

Without counsel plans fail but with many advisers they succeed Proverbs Well as you know we always recommend you look for a financial advisor with the Certified Kingdom Advisor Designation and you can do that by going to FaithFi com and clicking on Find a CKA When you do you'll also find a long list of questions you can ask potential advisors We're going to give you some of them today though because folks have been asking The first thing you should understand is that the type of advisor you're interviewing will determine what you ask And that only makes [... more]

Before you exchange your annuity there are several questions you should consider first As Peter with Richon Planning explains to Erin Kennedy there are many situations where an exchange or transfer makes sense and there are many instances when exchanging your annuity is not a good idea So before you do anything watch out for these red flags -You're still within surrender charge period -You are offered a bonus or premium payment -You think you might need money from the annuity soon -You're not offered added benefits or a guaranteed lifetime rider -You pay higher charges for new features or [... more]

My new book hits bookstores Each chapter offers -minute insights to help the family caregiver in THAT moment Drawing upon a lifetime of caregiving I speak to my fellow caregivers in a way that makes sense and settles their hearts down I point them to safety Order the book today at Faithful Text special discount Amazon Wal-Mart Barnes Noble Or wherever books are sold [... more]

There are unique reasons Charitable Remainder Trusts are good options for your Estate Plan In this video Peter Richon with Richon Planning and Erin Kennedy explain how a crt works it is an irrevocable trust that allows you or a designated beneficiary to receive an income stream for life After you die the remainder of the assets in the trust are donated to your charity or charities of choice Peter also walks through those benefits including You Can Save on Taxes You Can Increase Your Income You Can Support Worthy Causes You Can Protect Your Money from Creditors Naming the [... more]

This player really impresses Adam so what does Luke think about him so far Is there as much potential with him as it appears Rod got his th win as head coach for the Carolina Hurricanes last night How much of an impact has Rod had on this franchise Freddie Anderson made his appearance back on the ice after two months out with injury how did Luke think he performed and does it look promising for the future Is Luke worried Jim Phillips might be taking a new job soon What he thinks and how he feels are actually opposing [... more]

The Bible tells us to give thanks in everything Does this mean we must be thankful for illness or loss In this message we learn why the Bible's command to be thankful makes sense even when we don't understand our circumstances We can be content with what we have every day of the year This month's special offer is available for a donation of any amount Get yours at rtwoffer com or call us at - - - [... more]

JR explains why Ime Udoka makes sense for the Nets as their next Head Coach JR also has some very special guests to end the show [... more]

Open calls questions and discussion with Matt Slick LIVE in the studio Topics include--- - Matt reads hate mail -- - A caller wanted to challenge Matt's claims related to the falsifiability of the New Age movement -- - A caller wanted to discuss the beginning of the universe and how Christianity is the only cause that makes sense -- - Have you heard of the Complete Jewish Bible--- - Matt reads more hate mail [... more]

Chris had his blood retested four years after his lifesaving bone marrow transplant The donor rsquo s marrow had provided what was needed to cure him but had left a surprise the DNA in Chris rsquo blood was that of his donor not his own It makes sense really the goal of the procedure was to replace the weakened blood with a donor rsquo s healthy blood Yet even swabs of Chris rsquo cheeks lips and tongue showed the donor rsquo s DNA In some ways he rsquo d become someone else mdash though he retained his own memories outward [... more]

Welcome fellow Joy Riders to the Masculine Journey Joyride Podcast On this podcast you will hear funny stories exchanges and thought provoking moments that will amuse you make you smile and draw you closer to Jesus Christ in your journey of life This week the guys were discussing names given to them by God Muhammad Ali's name and hearing Trust me it will all makes sense once you hear the episode The song clip is from Edvard Grieg Peer Gynt Suite No Op - I Morning Mood [... more]

Rejoicing is easy and makes sense when times are good and our lives are on track But why would we rejoice when circumstances are heartbreaking Where can we find hope Find out as we study Hannah's prayer together on Truth For Life with Alistair Begg Listen [... more]

ldquo Perfectionism is one of the scariest words I know rdquo Kathleen Norris writes thoughtfully contrasting modern-day perfectionism with the ldquo perfection rdquo described in Matthew Modern-day perfectionism she describes as a ldquo a serious psychological affliction that makes people too timid to take necessary risks rdquo But the word translated ldquo perfect rdquo in Matthew actually means mature complete or whole Norris concludes ldquo To be perfect is to make room for growth and become mature enough to give ourselves to others rdquo Understanding perfection this way helps makes sense of the profound story told in Matthew where a [... more]

Christmas is all about Jesus So it only makes sense that the very first Christmas songs recorded in Luke's Gospel are all about Christ Join us as we kick off the Advent season by looking at these songs for our Savior on Truth For Life with Alistair Begg Listen [... more]

Is it difficult nbsp to nbsp be content with what you have this Thanksgiving or any other day of the year nbsp The Bible tells us nbsp to give thanks in everything nbsp Does this mean nbsp you must be nbsp thankful for illness or loss Or nbsp you must be nbsp grateful for nbsp not having a nbsp job In this message we learn why the Bible rsquo s command to be thankful makes sense even when we don rsquo t understand our circumstances nbsp nbsp nbsp Click here to listen Duration [... more]

All too many caregivers feel isolated and invisible Even when seen it's difficult to know what to say to caregiver This is why I do this broadcast the podcast write books and all the other things I do for caregivers I understand the importance for caregivers to be seen and engaged - in a way that makes sense to caregivers i speak fluent caregiver and am grateful for the opportunity to speak to you through this podcast I see you Peter Rosenberger www hopeforthecaregiver com [... more]

When you're in a war like pornography it makes sense to have a strategy for the battles On FamilyLife Today hosts Dave and Ann Wilson talk with Dr Joe Rigney about how to overcome the enemy and walk in victory Show Notes and Resources Download FamilyLife's new app https www familylife com app Find resources from this podcast at https shop familylife com Products aspx categoryid Check out all that's available on the FamilyLife Podcast Network https www familylife com familylife-podcast-network [... more]

What happens when a believer dies What will heaven be like What about infants and children who die When do our bodies get resurrected What will they be like These questions and more occupy our thoughts from time to time In this series nbsp From the Edge of Eternity we will follow a believer from death into the different stages of eternity the Intermediate State the resurrection of the body the Kingdom Age and the Eternal State Since forever is a long time it only makes sense that we both understand and prepare for this quot ultimate journey quot This [... more]

What happens when a believer dies What will heaven be like What about infants and children who die When do our bodies get resurrected What will they be like These questions and more occupy our thoughts from time to time In this series nbsp From the Edge of Eternity we will follow a believer from death into the different stages of eternity the Intermediate State the resurrection of the body the Kingdom Age and the Eternal State Since forever is a long time it only makes sense that we both understand and prepare for this quot ultimate journey quot This [... more]

The Bible clearly instructs us to provide for the members of our household nbsp And based on that wise counsel from scripture it makes sense for us to have life insurance to care for our family rsquo s needs when we rsquo re gone But is it a real necessity for everyone nbsp On the next MoneyWise Live hosts Rob West and Steve Moore answer the question mdash who needs life insurance That rsquo s on the next MoneyWise Live at pm Eastern pm Central on Moody Radio [... more]

As we continue our In Step series through the book of Luke Pastor J D teaches what it means to live ready for Jesus' return Are we awake to the task Jesus left for his church or are we asleep at the wheel Are we confident Jesus will return soon or do we live without urgency As followers of Jesus we should live in such a way that only makes sense if we believe Jesus could be back at any moment [... more]

Episode Adriel Sanchez and Bill Maier answer caller questions Show Notes CoreChristianity com How do we reconcile the Lord's Prayer where it says Lead us not into temptation with James where it says no one should say 'God is tempting me' Recently I refused to give money to a panhandler and I feel guilty about it Should I feel this way or was I justified in refusing him Did Peter teach Jesus delivers to us the Spirit forgiveness and salvation in Acts and Peter Didn't the earliest Christians in church history hold to baptismal regeneration has felt like a really [... more]

I recently discovered the wonder of anamorphic art Appearing at first as an assortment of random parts an anamorphic sculpture only makes sense when viewed from the correct angle In one piece a series of vertical poles align to reveal a famous leader rsquo s face In another a mass of cable becomes the outline of an elephant Another artwork made of hundreds of black dots suspended by wire becomes a woman rsquo s eye when seen correctly The key to anamorphic art is viewing it from different angles until its meaning is revealed With thousands of verses of history [... more]

Since God created us in his image it makes sense that we have the capacity to be creative too But Dr Tony Evans says there is a hidden threat in the shiny new things we build Dont miss a look at a seldom-discussed danger inherent in modern technology in this lesson [... more]

The Daily Encouraging Word with Dr Don Wilton [... more]

If the family is the bedrock of society it makes sense that stable marriages are the bedrock of the family That rsquo s why divorce is so damaging In divorce there are no winners Marriage must be viewed as a lifetime proposition nbsp Click here to listen Duration [... more]

Short Take from The Christian Worldview program on American Gospel Progressive Christianity Part of [... more]

A judge has asked the parties in the long-running Leandro school funding lawsuit to develop a joint plan It would implement consultant's recommendations for major changes in the state's public education system including billion of new spending in the next eight years Terry Stoops John Locke Foundation vice president for research and director of education studies assesses the latest developments in the Leandro court proceedings You've likely heard of Brexit Great Britain's well-publicized exit from the European Union Now North Carolina is dealing with BLEXIT a project of black Americans distancing themselves from the Democratic Party Danielle Robinson BLEXIT state [... more]

In the first two chapters of his letter to Christians in Rome the apostle Paul establishes that all people are sinners and separated from God spanning the spectrum from non-believing Gentiles to religious Jews Paul describes what leads the former group non-believing Gentiles into downward spiraling degrees of sexual immorality and other sins is suppressing the truth and not acknowledging God v That makes sense reject the authority of God and man is the authority and goes a long way to explain why American society today is depraved full of strife arrogant inventors of evil and gives hearty approval to [... more]

Assaulting a referee can carry a more serious criminal penalty than assaulting your neighbor That's just one of the curiosities associated with North Carolina's criminal code Mike Schietzelt John Locke Foundation criminal justice fellow discusses a process designed to identify and compile all of North Carolina's laws Once compiled policymakers could decide whether it makes sense for those two different types of assault to be treated so differently If you agree that state government should play a larger role in school construction you likely would support an option that provides more money more quickly and at a lower overall cost [... more]

HFTC October Welcome to HOPE FOR THE CAREGIVER on American Family Radio This is Peter Rosenberger We are LIVE and are thrilled to have you with us This is the nation's number one show for the family caregiver For those who are putting themselves between a vulnerable loved one and even worse disaster Maybe it's somebody who's aging maybe it's a special needs child maybe somebody who has an addiction issue whatever the impairment there's a caregiver How are you holding up How are you doing That's what this show is all about And we are glad to have you [... more]

One of the sticking points in this year's state budget debate involves the State Capital and Infrastructure Fund or SCIF Legislators propose using SCIF instead of a statewide bond to fund school construction projects Gov Roy Cooper objects Joseph Coletti John Locke Foundation senior fellow analyzes the SCIF He explains how it can work better faster and cheaper than a bond package Some state lawmakers want to take another look at what they call an opportunity gap in N C public schools You'll learn details of their proposed study and hear reaction from Terry Stoops John Locke Foundation vice president [... more]

State Sen Dan Bishop won a crowded Republican primary in North Carolina's special th Congressional District election That victory sets up a Sept showdown with Democrat Dan McCready who came close to winning the disputed th District race in Rick Henderson Carolina Journal editor-in-chief discusses Bishop's win and looks ahead to the general election The feminist movement has had an undeniable impact on the lives of women Mona Charen senior fellow at the Ethics and Public Policy Center says feminism has had a much-less-publicized effect on men Charen explored the consequences of feminism during a recent presentation in North Carolina [... more]

Headlines in recent months have focused on accusations of Russian collusion At least one aspect of the collusion debate deserves more scrutiny In a recent column for TheHill com John Locke Foundation Senior Fellow Donald van der Vaart recommended that the Trump administration look into possible collusion between the Russian government and American environmental activist groups Van der Vaart explains why an investigation makes sense Small business leaders today often point to government regulation as one of the largest obstacles blocking their growth and success But that attitude about government is a relatively new development in the history of American [... more]

A -acre waterfront property in Southport set aside for a state-run megaport remains vacant and the N C State Ports Authority has no plans to develop or sell it The property's most recent tax appraisal also shows the land is worth half its original purchase price Rick Henderson Carolina Journal editor-in-chief details the latest news surrounding this government project that has gone nowhere since the Ports Authority purchase the property in News media outlets have enjoyed longstanding exemptions from federal and state campaign finance restrictions It makes sense to extend those exemptions to nonprofit social and civic groups that also [... more]

As N C state government continues to consider policies that benefit the solar energy industry residents of one Beaufort County community are fighting a proposed -acre solar facility planned near a local school Rick Henderson Carolina Journal editor-in-chief explains why people in Terra Ceia are raising concerns about the project North Carolina lawmakers have been debating proposed changes in laws limiting the freedom of craft brewers to distribute their own products It's an issue that has attracted attention from Christopher Koopman senior research fellow at the Mercatus Center at George Mason University Koopman explains why state restrictions on craft breweries [... more]